Disclaimer

This service is solely for personal and non-commercial use and general information and reference only. This information is strictly prohibited for distributing or made available to any person. The information in this website relating to funds is provided by Morningstar Asia Limited (“Information Provider”) to Chief Securities Limited (the "Company") unless otherwise specified. For technical reasons, certain information provided by Information Provider may be different from that supplied by the respective fund houses. Neither the Information Provider nor the Company guarantee or endorse the accuracy, reliability and completeness of the information provided by the Information Provider or that it is up-to-date, and that such information has not been independently verified by the Company. The Company disclaims liability for any errors, omissions, or inaccuracies in the information provided in this website. The Company also disclaims liability for any loss or damages resulting from the use of the information contained herein, or the inability to use such information or in connection with any error, interruption, delay in operation or incomplete transmission, line or system failure.

For information which is "Powered By" the Information Provider and other fund houses, it is being re-transmitted by the Company in the ordinary course of business to you for general information and reference purposes only.

This service should not be regarded as an offer, solicitation, or recommendation to buy or sell investment products in any jurisdiction to any person to whom it is unlawful to make such an invitation, offer, solicitation or recommendation in such jurisdictions.

The relevant pages for funds have not been reviewed by the Securities and Futures Commission in Hong Kong ("SFC"). The information contained herein is for general information and reference purposes only and is not intended to provide professional investment or other advice. It is not intended to form the basis of any investment decision. Persons accessing this website should not make any investment decision based solely on the information and services provided herein. Before making any investment decision, persons accessing this website should take into account his/her own circumstances including but not limited to his/her financial situation, investment experience, and investment objectives, and should understand the nature, terms and risks of the relevant funds. Persons accessing these pages should obtain appropriate professional advice where necessary.

Investors should note that all investments involve risks (including the possibility of a loss of the capital invested), prices of funds may go up as well as down and past performance information presented is not necessarily a guide to the future performance. Investors should read the relevant fund’s offering documents (including the stated full text of the risk factors) and seek independent financial advice before making any investment decision. Smaller or emerging markets for funds can be more volatile than developed markets and can carry more risk. Independent financial advice should be taken before entering into any financial transaction. The information, contents and/ or features of the webpages are subject to change without notice.

Disclaimer
Important message to readers and internet privacy policy statement
Copyright © 2024 Chief Group Limited. All rights reserved.

Provide Chinese Only.

最新文章

致富:保監引入PLP投資 保障更安心

2022年02月07日

上期簡單提及過投資相連壽險計劃(簡稱「投連壽險」或‘ILAS’),今日跟大家介紹由保監局在投連壽險中引入新類別 - 「保障型投資相連壽險 (Protection Linked Plans,簡稱’PLP’),令計劃參與者投資更加安心、更有保障。預期PLP將今年第二季推出,屆時投連壽險會有更多選擇。

今天是大年初四,祝大家戶戶發財,家家致富。上期簡單提及過投資相連壽險計劃(簡稱「投連壽險」或‘ILAS’)(上期文章: [連結],今日跟大家介紹由保監局在投連壽險中引入新類別 - 「保障型投資相連壽險 (Protection Linked Plans,簡稱’PLP’),令計劃參與者投資更加安心、更有保障。預期PLP將今年第二季推出,屆時投連壽險會有更多選擇。

致富財富管理部總經理張德明表示,現時客戶在籌劃理財時,不單只著重投資回報,亦同時重視保障需要。香港市民大多工作繁忙、生活緊張,因此往往希望能夠透過一些綜合計劃,同時間可以達到長期投資增值及資產承傳的目的,而ILAS可能是其中的一種選擇,但有部份投資者卻忽略了計劃內投資及人壽保障額的比例分配。

保監局引入的PLP,是期望通過引入較高人壽保障成分的投連壽險,讓有需要的投保者可以在長期投資理財及家庭保障上得到更大的平衡。PLP較適合年輕一代投保,正如保監局執行董事(長期業務)許美瑩說:「PLP旨在引入較高的人壽保障成分,配合簡單和透明的收費結構,以及規範的基金選擇,以收窄保障缺口和促進普惠金融。隨著PLP的推出,我們希望鼓勵過往較被市場忽略的年輕一代提早規劃退休,同時增加市場上的產品選擇,以滿足個人在不同人生階段的退休規劃需要。」

PLP會否取替其他投連壽險計劃呢?張氏認為,PLP只是投連壽險的其中一個類別,所謂「百貨應百客」,不同客戶有不同的理財需要。舉例:對於手頭上資金較充裕的朋來説,含較低人壽保障的ILAS類別型之計劃可能較為適合,有助爭取較大潛在回報;年輕一族的,因為保險成本(Cost of Insurance) 一般不高,投資比例不會受到太大影響,故可考慮PLP;而對於一些對投資市場及保險產品熟悉的客戶來說,希望同時兼顧較高投資回報及較大人壽保障額,則可以聯絡相熟的理財顧問,看看會否獨立投資個別之基金及保險計劃,讓投資理財更具彈性及更多選擇。

張氏補充,投資者不論選擇投資基金或投保保險前,可與理財顧問了解自己的實際投資目標、保險需要及投資風險承受能力等,有助籌劃理財,優化回報。

開戶尊享 HK$300 獎賞優惠

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:

[連結]



免責聲明
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。

< 返回致富研究
App Download
Instant trading of stocks after taking an in-depth look at every move of the market
Website Push Notifications
Provide the latest financial news and promotions