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致富:如何在政府年金和私人年金之間作出合適選擇?

2021年12月03日

今年施政報告中,政府鼓勵市民將強積金一筆過資產轉化成退休後定期可領取的年金,可是由香港政府所推動的香港年金計劃,自2018年7月推出至今年上半年為止僅批出1.19萬份保單。致富財富管理部總經理張德明認為,這與香港130萬常居的65歲以上人口相比,該類保單數目僅佔0.9%,不算是一個高數字。

今年施政報告中,政府鼓勵市民將強積金一筆過資產轉化成退休後定期可領取的年金,可是由香港政府所推動的香港年金計劃,自2018年7月推出至今年上半年為止僅批出1.19萬份保單。致富財富管理部總經理張德明認為,這與香港130萬常居的65歲以上人口相比,該類保單數目僅佔0.9%,不算是一個高數字。

不過,張氏認為,香港年金亦有其優點,首先是有類似政府資助的性質:按目前的條款,成功投保後,投保人領取年金到第15年才算「打個和」,之後便是淨賺。換言之,投保人壽命愈長,賺得愈多。去年該計劃亦將投保年齡由65歲降至60歲,即60歲投保的話,75歲起便可「攞政府着數」,直至百年歸老為止。

其次,投資香港年金,風險極低,適合相對保守的年長人士,對投資沒甚喜好,只追求穩定收入,就算市場波動極大也不會受到影響,絕對是退休規劃的其中一個考慮。

可是張德明表示,相較市場上由其他保險公司提供的年金產品,一般都會在保證回報之上,加上預期現金流,相比之下,香港年金回報相對較低,且沒有潛在的升幅。

另外,張氏亦指香港年金投保額限制在5萬至300萬元,最早亦只能在60歲開始投保。市售的年金計劃則沒有上述限制,為計劃退休的投保人提供很大的彈性。此外,「合資格延期年金保單」(QDAP),保費可作扣稅之用,每年上限6萬元,直接令納稅人得益。延期年金,可在成年後任何年齡投保,然後在投保人與保險公司約定的年歲領取年金。

最後,張德明提醒,無論香港年金或其他年金計劃,其性質是提供穩定現金流,若投保人恒常地提取年金款項,保單內之現金價值將會按期減少,資產傳承的功能不大,故投保人亦宜在投保金額以外,額外預留資金作其他用途。現時市場上有多個即期或合資格延期年金計劃供市民選擇,由不同保險公司提供,供款期和入息期選擇眾多,靈活度高。致富作為保險經紀的角色,能為客戶提供更多選擇和資訊作參考,提供切合個人需要的財富管理方案。

由即日起,親臨致富理財中心或於網上開戶並輸入推廣碼 US099,只需符合相關條件,可享HK$300 Donki禮券!推薦親朋好友開戶,可以獲取高達HK$6,000禮券*!了解更多

投資基金「零」負擔

透過「致富通」應用程式或致富網頁,投資基金「零」負擔,單次認購或月供計劃一律免佣,基金購金額更低至5,000港元或700美元,另購買精選保險享有高達50%折扣優惠。

致富有提供債券、基金一站式投資策略,比供客戶選擇。想知道和了解更多,請即刻聯絡我哋們投資策略專員解答疑難!

WhatsApp : 投資策略專員

更多基金資訊、種類 和 比較:

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上述報告由致富證券有限公司(「本公司」)所提供,所載之內容或意見乃根據本公司認為可靠之資料來源來編製,惟本公司並不就此等內容之準確性、完整性及正確性作出明示或默示之保證。上述報告內之所有意見均可在不作另行通知之下作出更改。上述報告的作用純粹為提供資訊,並不應視為對上述報告內提及的任何產品買賣或交易之專業推介、建議、邀請或要約。本公司及其附屬公司、僱員及其家屬及有關人士可於任何時間持有、買賣或以市場認可之方式,包括以代理人或當事人對本報告內提及的任何產品進行投資或買賣。投資附帶風險,投資者需注意投資項目之價值可升亦可跌,而過往之表現亦不一定反映未來之表現。投資者進行投資前請尋求獨立之投資意見。本公司在法律上均不負責任何人因使用本報告內資料而蒙受的任何直接或間接損失。本公司擁有此報告內容之版權,在未獲本公司許可前,不得翻印、分發或發行本報告以作任何用途。

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