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1^#

發表於 06-2-6 08:54 |只看該作者

買左2份儲蓄保險, 現在 very 後悔

買左2份宏利儲蓄保險 for retire
一年要俾約42,000左右, and pay until age 55 (27 years).

But I found that the profit are very very little. I will get less than one million when age 55.

If I use those money to buy a flat, I only pay for 20 years and the flat value should not less than one million.
If I invest those money in stock or fund market. I can gain more (a lot) than it.

現在 very 後悔!!!!!!! :-( :-( :-(

REALLY DON'T KNOW HOW 儲蓄保險 CAN PROTECT OUR RETIREMENT LIFE.

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worry

侯爵府

積分: 21554

2^#

發表於 06-2-6 09:05 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

你供左耐嗎? 如果短, 就長痛不如短痛

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積分: 86

3^#

發表於 06-2-6 09:09 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

4 years

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worry

侯爵府

積分: 21554

4^#

發表於 06-2-6 09:33 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

如果後悔, 我會放棄, 因4年真係好短, 仲有排供

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遙遙爸爸

伯爵府

積分: 15082

5^#

發表於 06-2-6 09:33 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

cutiewife, 你是否買左卓越「寫意生活55」計劃? 你兩份計劃內是否有其他保障如住院危疾意外等附加保障(無儲蓄成份)? 如果全部係儲蓄人壽, 每年 $42000, 27年總供款係 $1134000, 到55歲時無可能少於一百萬.

我用27歲非吸煙女仕做例子, 卓越「寫意生活55」計劃, 年供 $42000, 到55歲時保證可得 $1844400, 加埋紅利同利息預期有 $3002838.

我建議你再同 agent 傾一傾, 等佢再解釋一次比你聽.

私人傳訊

積分: 86

6^#

發表於 06-2-6 09:51 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

I have 2 saving plan (without medicial insurance).
One plan as you said, I need to pay $17000 every year.

The other is "

ay 6 years and get money at year 10). I need to pay $25000 every year. At the end (include 紅利), the total profit is about 4% 利息/per year. If I invest those money in HSBC stock, I should earn more than that after 10 years.

Remember that 紅利 and 利息 are not 保證 and they become less every year.

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戇居SBB

侯爵府

積分: 20995

7^#

發表於 06-2-6 10:00 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

yes, 到55歲時無可能少於一百萬!

if so, 你個plan好有問題啦!

遙遙爸爸寫道:
cutiewife, 你是否買左卓越「寫意生活55」計劃? 你兩份計劃內是否有其他保障如住院危疾意外等附加保障(無儲蓄成份)? 如果全部係儲蓄人壽, 每年 $42000, 27年總供款係 $1134000, 到55歲時無可能少於一百萬.

我用27歲非吸煙女仕做例子, 卓越「寫意生活55」計劃, 年供 $42000, 到55歲時保證可得 $1844400, 加埋紅利同利息預期有 $3002838.

我建議你再同 agent 傾一傾, 等佢再解釋一次比你聽.

謙謙在2004年10月29日出世了！

私人傳訊

積分: 3143

8^#

發表於 06-2-6 10:06 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

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私人傳訊

積分: 450

9^#

發表於 06-2-6 10:37 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

cutiewife

我買左好多份保險, 有d係十二年前買, 其中一份供完, 睇番個回報, 真係好低, 連4%年回報都做唔到

所以今年我選擇將d錢買份基金保單而唔買純儲蓄保險, 今年既回報好, 我check番, 三個月, d基金回報已經有20%

十二年前, 自己無咩錢, 買份saving可以有個基本保障, 但若果係有多餘錢, 或者做retirement, 我就唔會做

你而家既情況, 供左四年, 真係進退兩難. 我試下幫你諗下:

同個保險講, 可唔可以行保費假期(有d保單得), 趁呢幾年個市好, 將d錢買h股基金, 我估計起碼呢五年既平均回報都一定超過9%

咁過左年後, 先再供番, 咁唔會蝕左個16萬8

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積分: 86

10^#

發表於 06-2-6 10:38 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

Thanks for the explanations.

I should continue to pay these two plans.

Actually, I read the article in "Next Magazine". It quoted some saving insurance cases complained about very low profit in most of insurance companies. So, I feel upset ..... :cry:

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積分: 3143

11^#

發表於 06-2-6 11:05 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

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私人傳訊

積分: 3143

12^#

發表於 06-2-6 11:11 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

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積分: 86

13^#

發表於 06-2-6 11:12 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

blueblueclub,

Thanks for your suggestion.

Your case is exactly what I worry about. I can 100% understand your feeling. I also invest some money in fund market. It increases 25% in 10 months. Because I plan to quit my job and to be housewife this year. I am using the same method as you that try to earn more in stock and fund market to pay the insurance every year. Hope that it can success.

4 years ago, fund were not popular. We only knew fixed saving, stock and insurance to save money. If now, I should not buy a saving insurance plan.

私人傳訊

積分: 450

14^#

發表於 06-2-6 11:35 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

[quote]
LuLuJoJo 寫道:
保費假期? 佢果份應該唔係基金單喎~! ?-(
如果行premium loan, 要倒返轉頭計利息的, 張單得 4 年我諗都行唔到十幾萬premium loan, 唔交保費攪到lapse鬼埋渣都無~!! 而且傳統人壽最終(身故/surrender)點都會扣返果16萬8欠交保費~!!

[quote]

我就想叫cutiewife問下佢份saving可唔可以保費假期, 然後將呢幾年既premium羅去買基金呀

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積分: 450

15^#

發表於 06-2-6 11:38 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

cutiewife 寫道:
blueblueclub,

Thanks for your suggestion.

Your case is exactly what I worry about. I can 100% understand your feeling. I also invest some money in fund market. It increases 25% in 10 months. Because I plan to quit my job and to be housewife this year. I am using the same method as you that try to earn more in stock and fund market to pay the insurance every year. Hope that it can success.

4 years ago, fund were not popular. We only knew fixed saving, stock and insurance to save money. If now, I should not buy a saving insurance plan.

唔...你要唔做野呀...咁個risk又唔同計法喎, 無收入可以承受既風險會相對低好多. 選fund/shares個陣要小心d囉

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積分: 3143

16^#

發表於 06-2-6 11:43 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

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私人傳訊

積分: 3143

17^#

發表於 06-2-6 11:48 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

提示: 作者被禁止或刪除內容自動屏蔽

私人傳訊

積分: 450

18^#

發表於 06-2-6 11:48 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

LuLuJoJo 寫道:
我明, 我意思係指傳統人壽應沒有保費假期呢支歌仔, 想唔交保費最多可以行premium loan, 但咁做要計息, 同埋要保單價值足夠先得~

我don't know佢份保單有沒有保費假期, but 我perception係多數基金單先有保費假期, 所以我咁問你, 現時可能有些非基金單都有保費假期, but if 有保費假期, 都要計下行左會唔會影響保單回報~ thx~

我都唔知佢份單得唔得, 所以一問無妨~cut就實蝕

loan出黎就無可能架啦, 佢份單得四年, 現金價值一定好少, 有幾多錢可以loan出黎? 而家個rate都起碼8%, 無咩so

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積分: 3143

19^#

發表於 06-2-6 11:51 |只看該作者

Re: 買左2份儲蓄保險, 現在 very 後悔

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