Endowment plan. Anyone knows which plan is good ?

2019-07-18 04:01
I have a bit of savings and would like to do some investment, however I don't want to do stocks and shares as the risk is too high. So considering to buy endowment plans from banks or insurance company.
Anyone has such experience ? Which bank offers best return ? Normally it's 5+5 paying premium for first five years and then collect money at the end of tenth year.
Welcome any advice. Thanks

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2019-07-18 04:01

符航霄

储蓄保险不是投资，只是个强制性储蓄而已
没什么回报率可谈。

建议你看看unit trust，或者纯粹投资基金的保险。

不过还是要根据个人情况，选择合适的规划。

2019-07-18 04:01

索江初

It depends on your priority
Most of the endowment plans invest majorly in bonds.
Less liquidity, longer term will potentially yield higher return
If you need more liquidity, try plans with more coupon and divident which you can withdraw or put back to enjoy guranteed interest rate.
If not, choose plans with higher bonus which can be withdraw only upon claim, maturity or surrender.

2019-07-18 04:01

殷梅毅

Endowment plan.
什么计划比较好依赖与你的风险承受能力.
1.PRESTIGE PORTFOLIO
适合风险承受能力较高的人,直接买卖基金,销售费用0~3%.FREE SWITCH, 因没有锁定期,所以比较自由,通常可以获得高回报(伴随高风险)
2.Endowment plan.
品种较多.汇报率3~5之间,交费期5~25年不等,要根据自己的需要选.可以当作强制储蓄.推荐Endowment5 或Endowment CLASS
3.FAMILLY TREE
交费期10或15, 终生年回报4%,同时还有CASH VALUE,适合做退休辅助计划或孩子的教育储蓄.
详情也可以联系我.

2019-07-18 04:01

封冠

多谢指教
发现好像先要做好医疗事故保险，有闲钱才搞投资对吧？
貌似我比较适合FAMILY TREE， 稳妥一些。 呵呵， 谢谢。

2019-07-18 04:01

殷梅毅

先医疗是正确的
是的，医疗也就是住院保险是首选。然后是其它的。
如对familly3有兴趣，可以约时间详细介绍。HP：98735498

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