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洋房

積分: 426


發表於 06-2-11 15:46 |顯示全部帖子

請問有冇人買咗hsbc儲存保??

好 , why i can"t get backwhat i ”d paid since 5 yrs?? i”d paid total $70000, but now if i want to get backjust only less than $30000, anyone can tell me why??? thks!!!!


複式洋房

積分: 355


發表於 06-2-11 18:20 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

你個計劃個名應該叫"摰全保",供款期應該係25年(不知是否正確),如果是的話,你現在只供了5年,那當然未打和啦(break even),約10-12年倒才可以打和的,因為尼個係保險儲蓄,(有2部份,a是人壽,b是儲蓄),你每個月的保費,要先扣除a part 的費用,余下才拿去做saving,而且回報比較保守,所以你要預左約20年後平均的回報率是4-5哩.

較早前明報亦找了4間保險公司的儲蓄計畫去比較(其中一隻便是hkbc的"摰全保",如你有興趣看看內容可留e-mail給我,我醫比你自己睇睇啦.

zutt 寫道:
好 , why i can"t get backwhat i ”d paid since 5 yrs?? i”d paid total $70000, but now if i want to get backjust only less than $30000, anyone can tell me why??? thks!!!!
定期人壽保險大比併 危疾保險大比併 [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?mode=viewtopic&topic_id=393822&forum=39&start=90&viewmode=flat&order=1保險公司及銀行教育儲蓄大比併[/url] [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?topic_id=385555&forum=39&231?topic_id=267288&post_id=3659144&order=0&viewmode=thread&pid=0&forum=39#365914418家醫療保險大比併[/url]


洋房

積分: 426


發表於 06-2-11 22:06 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

thks agentagent ar!! I want to see, pls email to [email protected]
thks.. by the way, how u know would be nearly equal to what I paid after 20 -25 yrs, how to count ga? and also, it's really called 儲存保!! (saving protection plus), I feel very upset ar... but the staff in hsbc always asked me to see what happen next half year since 1 yrs I contacted him. today, he said the same things, and told me it's not guranteed to me that I could get more or nearly equal to what I paid. but the problem is how come the different b/w what I paid and what I can get are extremely big!!! HK$40000, for me, it's a big no. ar!!! I'm just small potatoe, and it's not easy $, I feel so upset, just like I work for nothing and the bank put my $ for investment which didn't get any profit!!! so stupid!!!


洋房

積分: 426


發表於 06-2-11 22:10 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

agentagent, also, the staff told me they put my $ for投資基金!!so it would be gained but also loss, so what I can do!!! he told me the economy now is going up, so that's why suggested me wait for half more year to see any returned!! ;(


大宅

積分: 2174


發表於 06-2-12 01:34 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

zutt,
你買嗰份係唔係"目標儲存保"呀? 我就係買咗呢份喎. 儲蓄保險係咁架啦, 頭幾年既現金價值一定係低過總供交既保費, 唔係又點可以鎖住我地十幾廿年呢? 如果只係用來投資, 就梗係唔抵啦. 但係勝在風險低, 同埋有份人壽保險囉. 如果可以供哂既話, 唔計紅利, 回報係年利率(複息)0.8%, 計埋紅利, 回報係年利率(複息)3.3%. 如果俾我再揀過, 我就寧願去買基金, 回報肯定高好多, 唔使俾錢落保險嗰part嘛! 但係而家供咗幾年, 就焗住要供落去, 當係風險低, 回報低既投資. 其實, 計埋紅利, 年利率(複息)2-3%都ok啦.


禁止訪問

積分: 3143


發表於 06-2-12 01:42 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

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洋房

積分: 426


發表於 06-2-12 02:00 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

thks all reply ar..!! lulujojo, for me, very difficult to understand, but tomorrow, I will try to count when it will be equal what I paid, but the other problem is the agent told me there is 95% for the investment, and just only 5 % for insurance, so for the investment, it means I would loss all $ or I would earn a bit more if I still paid until 15 or 20 years?? in fact, when I signed and introduced by one of hsbc agent, she didn't tell me I can't get back all my $ aldy paid, and at that moment I was very young for that , just only 19, 20 years old.... and for me, I just want saving, and get more interest, but up to now, end up, what I get which is nothing, and what I earned is 0, I lost $40000, just work for nothing..!!!
;( anyway, thks for your advise!!


洋房

積分: 426


發表於 06-2-12 02:05 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

to zimba, hey, so may I know if u put some part of investment, for me just only 5% for insurance, and other for investment, but infact, the agent told me some professional to investment my $ to other fund, so strange??!! so now, my $40000 disappear... do u think I could get back what I paid later on... how many years u think??? cos he told me it's not guaranteed I could get back what I paid!! so scared ar!!! what I can do at this stage?? and he told me it doesn't have certain amount which I could take back later on on the certain date!!
anyway, thks a lot ar!!!!


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積分: 3143


發表於 06-2-12 02:08 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

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洋房

積分: 426


發表於 06-2-12 02:47 |顯示全部帖子

Re: 請問有冇人買咗hsbc儲存保??

lulujojo. I just double chked the name of this plan, it 's really called saving protecton plus, incl insurance and investment, and I asked the agent today how long I need to paid, he said anytime I could stop, and of course once I stop, I must get less $ back than what I gave!! and yhe sum insured$400,000, u think it 's less or a lot ar?? I have no idea about it!!??
on the other hand, I also had the plan is called target protection plus and this one I could get back a bit more $ when reach 10 years! thks for sharing ar!!


民房

積分: 29


發表於 06-2-12 14:27 |顯示全部帖子

Re: 請問有冇人買

應該叫儲全保,是投資相連式的保險,照理當初買之前,銀行會和你做一份推算表,假設在不同的年回報率下,每年預計的現金價值和何時你已付出的總保費和現金價值打和,應該要十幾年,建議你找出來看看。
另外,銀行每年都會寄年結單給你,你可計一計每年賺或蝕多少,每年有多少錢是用作行政管理費,超出或落後預計的現金價值有多遠。
還有你可不時到http://www.tools.hsbc.com.hk/sppfund/fundperf?lang=zh查看基金表現,適當時候換走表現不佳的基金,買進表現較佳的,一年有四次免費的基金轉換。
始終是真金白銀擺落去,應該積極瞭解和管理啊。


禁止訪問

積分: 3143


發表於 06-2-12 15:43 |顯示全部帖子

Re: 請問有冇人買

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大宅

積分: 2174


發表於 06-2-12 15:59 |顯示全部帖子

Re: 請問有冇人買

zutt,

Target protection plus嗰plan, 如果你供完的話, 應該可以有好既回報, 因為係無投資成份. 純粹係一份儲蓄保險. 至於儲全保, 你可以計下你供咗既錢, 究竟有幾多係用作行政管理費, 有幾多錢係用來投資. 咁你就可以計出你投資既基金表現如何啦. 問下究竟你投資咗邊幾隻基金, 咁你就可以去d基金榜度比較吓.

你可以去以下website比較一下hsbc同埋香港其他同組別既基金表現.
MORNING STAR
仲有得閒去[size=large]證監會睇下, 有好多投資既資訊架.

$40000唔易搵番, 唔好咁快CUT咗d plan呀, 俾d時間去比較下d資料, 如果基金真係lose錢, 睇下其他公司同組別基金表現如何, 係因為經濟循環? 還是hsbc既基金特別差? 如果係因為經濟循環升市跌市, 基金會升幾年跌幾年咁架, 如果睇唔明, 或者搵d專業人士幫你啦.

希望以上資料幫到你啦!


民房

積分: 29


發表於 06-2-12 18:48 |顯示全部帖子

Re: 請問有冇人買

以前儲全保有兩隻:儲全保(Savings Protection Plus)和目標儲全保(Target Protection Plus)。儲全保有14隻匯豐的基金可選擇,舊年尾停賣儲全保,另外推出投資儲全保(LifeInvest Protection PLus)和退休儲全保(RetireInvest Protection Plus),加入了其他基金公司的基金,選擇較多。


洋房

積分: 426


發表於 06-2-12 22:27 |顯示全部帖子

Re: 請問有冇人買

thks a lot ar!!! but for me, I hv really no idea how to start to learn about fund, it's very difficult for me!! my god, I don't know how to do!!!


禁止訪問

積分: 3143


發表於 06-2-13 10:01 |顯示全部帖子

Re: 請問有冇人買

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民房

積分: 29


發表於 06-2-13 10:22 |顯示全部帖子

Re: 請問有冇人買

同銀行買保險邊有人同你跟?遑論幫你留意住市況。
都係的起心肝玩潮州音樂-自己顧自己,先做做檢討-賺蝕幾多先啦,唔係好難計的。



禁止訪問

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發表於 06-2-13 11:09 |顯示全部帖子

Re: 請問有冇人買

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複式洋房

積分: 355


發表於 06-2-13 11:51 |顯示全部帖子

Re: 請問有冇人買

zutt,

我手上亦有份建議書"投資儲存保" 這是一個人壽保險+基金投資的計劃,因為計畫內有人壽成份,所以你要弄清楚你選擇了那一個 a, b or c,當然各有收費結構啦. (b的保單收費是最貴的,羊毛出在羊身上)

a.標準保障
b.遞增保障
c.資本保障

這個計劃亦是一個供至終身的,但可以停供,只要戶口投資金額有足夠的錢去扣除所有費用 (保費費用,保險費用,資產費用,基金管理費用),但如取消便可再加一項提早退保費用.

另外有很多這類計劃第一年的保費都是支付保單和保險費用的,所以在第2年才開始有某部份的錢去投資的.所以其實你這幾年可能不是投資失利,或者是計畫收費結構問題,你要問清楚些少......

至於基金問題,你可以問下你投資了那隻基金,我相信月供形式的投資不會太大的問題,點都係用了成本平均法的.
(我自己見過不少投資單,4年前至現在,最差也有年回報7%,因組合比較保守,(但沒有人壽成份)而我自己個份亦差不多5年了,年回報也有16-18%)

所以我都是讚成保障和投資要分開做 !
定期人壽保險大比併 危疾保險大比併 [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?mode=viewtopic&topic_id=393822&forum=39&start=90&viewmode=flat&order=1保險公司及銀行教育儲蓄大比併[/url] [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?topic_id=385555&forum=39&231?topic_id=267288&post_id=3659144&order=0&viewmode=thread&pid=0&forum=39#365914418家醫療保險大比併[/url]

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