积累财富,确保你的生活方式不会过时

2020-10-14 09:21

Accumulate wealth and future-proof your lifestyle fX1世界播

积累财富,确保你的生活方式不会过时fX1世界播


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The benefits of embarking on an insurance cum investment plan at an early stage include lower insurance premiums, since younger people typically face fewer risks in terms of their health. PHOTO: GETTY IMAGES fX1世界播

在早期阶段开始保险暨投资计划的好处包括较低的保险费,因为年轻人通常面临较少的健康风险。图片来源:盖蒂图片公司fX1世界播


One of the first steps in financial planning, for someone entering the working world, is to buy an insurance policy that will also enable him or her to save and invest for the future. fX1世界播

对于进入职场的人来说,财务规划的第一步之一是购买一份保险单,这份保险单也能让他或她为未来储蓄和投资。fX1世界播


With limited savings in the bank, insurance provides the financial security of a payout should anything unfortunate happen. Meanwhile, the investment portion of the policy can be deployed in ILP sub-funds (“fund”) that aim for capital appreciation over the long term. fX1世界播

在银行存款有限的情况下,保险为万一发生任何不幸的事情提供了支付的财务保障。同时,该政策的投资部分可以部署在以长期资本增值为目标的ILP子基金(“基金”)中。fX1世界播


As children come into the picture, a second insurance policy with an investment component can be purchased to attain coverage along with a potential stream of income when the kids begin university. Insurance companies such as Manulife Singapore offer a selection of policies that can insure and invest for children from zero years old, helping parents give their children a head start towards achieving financial independence. fX1世界播

当孩子们进入到画面中时,可以购买第二份带有投资成分的保险单,以便在孩子开始上大学时获得保险以及潜在的收入来源。宏利新加坡等保险公司提供多种可供选择的保单,可以为0岁起的儿童投保和投资,帮助父母让孩子在实现经济独立的道路上抢先一步。fX1世界播


The benefits of embarking on an insurance cum investment plan at an early stage of your life include lower insurance premiums, since younger people typically face fewer risks in terms of their health. Policyholders can better benefit from dollar-cost averaging and ride out the impact of volatility in the financial market — buying more fund units during an economic downturn with the same premium amount, and increasing the potential returns over time. fX1世界播

在你生命的早期阶段开始一项保险兼投资计划的好处包括较低的保险费,因为年轻人在健康方面通常面临较少的风险。投保人可以更好地受益于美元成本平均,并安然度过金融市场波动的影响-在经济低迷期间以相同的保费金额购买更多基金单位,并随着时间的推移增加潜在回报。fX1世界播


But while most people understand the benefits of an investment-linked insurance policy, many would be concerned about committing to a regular premium investment plan at a time when much of the world is in the grip of a recession. In Singapore, for example, statistics show that retrenchments more than doubled to 8,130 in the second quarter of 20201. fX1世界播

但是,尽管大多数人理解投资挂钩保险单的好处,但在世界大部分地区陷入衰退之际,许多人会担心承诺定期保费投资计划。例如,在新加坡,统计数据显示,20201第二季度裁员人数增加了一倍多,达到8,130人。fX1世界播


To address such concerns, Manulife Singapore has a policy called ManuInvest Duo which is designed to provide policyholders with the best of both worlds in terms of wealth accumulation and future-proofing their lifestyle. fX1世界播

为了解决这些担忧,宏利新加坡有一项名为ManuInvest Duo的政策,旨在为投保人提供财富积累和面向未来的生活方式方面的两全其美。fX1世界播


The plan incorporates many features to support policyholders from their early working years to the time when they decide to slow down and eventually retire. Premiums start at $1,800 per annum for a ManuInvest Duo plan with a Minimum Investment Period (MIP) of 20 years, and policyholders can keep this policy in force and stay invested, even if they opt to stop paying premiums after the MIP. fX1世界播

该计划包含许多功能,以支持投保人从他们的早期工作年份到他们决定放慢脚步并最终退休的时间。ManuInvest Duo计划的保费起价为每年1800美元,最低投资期(MIP)为20年,投保人可以保持这一政策有效,并继续投资,即使他们选择在MIP之后停止支付保费。fX1世界播


Key features include: fX1世界播

主要功能包括:fX1世界播


In addition, policyholders can choose from a comprehensive suite of optional critical care riders to help them cope with illness. fX1世界播

此外,投保人可以从一整套可选的危重护理骑手中进行选择,以帮助他们应对疾病。fX1世界播


On the investment front, ManuInvest Duo offers higher welcome bonus units to those who opt for higher coverage and a longer MIP, and loyalty bonus units awarded every year from policy year seven. These bonus units represent additional investments in the underlying fund, and will contribute towards the value of the policy when it matures. fX1世界播

在投资方面,ManuInvest Duo为那些选择更高覆盖范围和更长MIP的人提供更高的欢迎奖金单位,并从保单第七年开始每年奖励忠诚度奖金单位。这些奖金单位代表了对标的基金的额外投资,并将在保单到期时为保单的价值做出贡献。fX1世界播


To illustrate how ManuInvest Duo works, here is a scenario featuring David, who buys a ManuInvest Duo plan with an MIP of 20 years at the age of 36. David decides he will contribute $12,000 per year and chooses a protection amount that is 20 times his annual premium, or $240,000. fX1世界播

为了说明ManuInvest Duo的工作原理,这里有一个以David为主角的场景,他在36岁时购买了一份MIP为20年的ManuInvest Duo计划。大卫决定每年贡献12000美元,并选择一个是他每年保费的20倍的保护金额,即24万美元。fX1世界播


As David’s account value increases with each premium contribution, and as the money he had put in previously generates potential returns, the premium amount allocated to insurance decreases and more money is set aside for investments. fX1世界播

由于大卫的账户价值随着每一笔保费缴费而增加,而且他之前投入的资金产生了潜在的回报,分配给保险的保费金额减少,更多的资金被留出用于投资。fX1世界播


Based on an illustrated annualised return of eight per cent per annum, a sum insured of $240,000 and the bonus units he will receive, David’s account value will increase to $459,864.183 at the end of 20 years — after taking policy charges and fund management charges into consideration. fX1世界播

根据图示的年化回报率为8%,投保金额为24万美元,以及他将获得的奖金单位,大卫的账户价值在20年末将增加到45.9864.183美元-考虑到保单费用和基金管理费用。fX1世界播


If David opts to stop paying premiums after the MIP, he will continue to be protected for death, terminal illness and total and permanent disability at the sum insured of $240,000 or his account value, whichever is higher. fX1世界播

如果David在MIP后选择停止支付保费,他将继续获得死亡、绝症以及完全和永久残疾的保障,保险金额为24万美元或他的账户价值,以较高者为准。fX1世界播


As for the investments in his account, David can switch to an income fund that pays regular dividends as he nears retirement. ManuInvest Duo policyholders can switch funds without incurring charges to match their evolving needs over the life of the policy. fX1世界播

至于他账户中的投资,大卫可以在临近退休时转到一个定期支付股息的收入基金。ManuInvest Duo投保人可以在不收取费用的情况下转换资金,以满足他们在保单有效期内不断变化的需求。fX1世界播


Policyholders can select a fund or a mix of funds based on their risk appetite, which will be reviewed periodically or when there is a major life event. fX1世界播

投保人可以根据他们的风险偏好选择一只基金或一种基金组合,这些基金将定期进行审查,或者在发生重大人生事件时进行审查。fX1世界播


People need insurance because it is hard to anticipate what could happen tomorrow, let alone in the next 10 or 20 years. At the same time, a long term investment is what would cushion you from the ups and downs of the market, helping you to emerge closer to your financial goals. fX1世界播

人们需要保险,因为很难预测明天会发生什么,更不用说未来10年或20年了。同时,长期投资可以在市场的起伏中为你提供缓冲,帮助你更接近你的财务目标。fX1世界播


The best time to buy an insurance cum investment plan is therefore today. To find out more about ManuInvest Duo, talk to a Manulife financial consultant who can advise you on the various options, or clickhere. fX1世界播

因此,购买保险和投资计划的最佳时机是今天。要了解有关ManuInvest Duo的更多信息,请与宏利金融顾问交谈,他们可以为您提供各种选择的建议,或单击此处。fX1世界播


Terms and conditions apply. ManuInvest Duo is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy’s surrender value (if any) may be zero or less than the total premiums paid. We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors, or visit any DBS/POSB Branch, before making a commitment to purchase. Protected up to specified limits by SDIC. fX1世界播

附加有条款和条件。ManuInvest Duo由宏利(新加坡)私人有限公司承销。有限公司。(Reg.。198002116D号)。此广告未经新加坡金融管理局审核。购买人寿保险单是一项长期的承诺。如果您提前终止保单,可能会涉及很高的费用,并且您的保单退保额(如果有的话)可能为零或低于支付的总保费。我们建议阁下在作出购买承诺前,征询宏利金融顾问或其指定分销商的意见,或造访任何星展/POSB分行。由SDIC提供高达指定限制的保护。fX1世界播


1The Straits Times, 14 Sept 2020. https://www.straitstimes.com/singapore/manpower/retrenchments-in-singapo... fX1世界播

1-《海峡时报》2020年9月14日。Https://www.straitstimes.com/singapore/manpower/retrenchments-in-singapo...。fX1世界播


2A policy year refers to the 12-month period that begins when a policy takes effect. If a person buys ManuInvest Duo on 1 Nov 2020, policy year 6 will be the 12-month period beginning 1 Nov 2025 fX1世界播

2.政策年是指政策生效后开始的12个月期间。如果某人在2020年11月1日购买ManuInvest Duo,保单年份6将是从2025年11月1日开始的12个月期间。fX1世界播


3The values in the above illustration are rounded off to the nearest dollar and based on illustrated investment rate of return of 8 per cent p.a., 4 per cent dividend payment, and 1.25 per cent fund management charge. Based on an illustrated investment rate of return of 4 per cent p.a. and 2 per cent dividend payment, and 1.25 per cent fund management charge, the account value at the end of policy year 20 is $294,418. All values in the above illustration are non-guaranteed and are subjected to the distributions and performance of the chosen ILP sub-funds fX1世界播

3.上图中的值四舍五入为最接近的美元,并以图示的投资回报率每年8%、股息支付4%和基金管理费1.25%为基础。根据图解说明的每年4%的投资回报率计算。加上2%的股息和1.25%的基金管理费,保单第20年末的账面价值为294,418美元。上图中的所有值都是无担保的,并受所选ILP子基金的分配和业绩的影响fX1世界播

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