保險理財 遠離經濟衰退風暴 - 保險
By Leila
at 2011-12-14T19:44
at 2011-12-14T19:44
Table of Contents
最近,只要手頭上擁有投資部位資金的朋友,大概心裡都不踏實;因為不知道歐美的債信
風暴影響層面會多大、多久,到底要不要認賠出場?或該加碼買進?看得到的經濟損失不
說,光是心情隨著股市的震盪起伏就夠難受的,因為「財富在哪裡,心就在那裡」。不安
的情緒甚至影響健康、工作表現、與家人的關係。這樣的戲碼,沒幾年就上演一次,且隨
著資訊的發達與各國之間資金關聯性越來越高,出現頻率似乎越來越高。
一位即將退休的長輩告訴我,這些年來,光是投資虧損就好幾百萬,原本想在退休後有更
多資金可供運用,沒想到卻越變越少,最後認賠收場。他語重心長的說「財富這回事,沒
有一步登天的取巧,只有腳踏實地的累積!」他檢視手上的投資組合,過去被認為報酬率
最差、最不起眼的儲蓄型保單,現在居然帶給他最大的驚喜;因為長期累積的保單現金價
值(俗稱解約金),在他退休後可以忠實地每年提供4~5%穩定獲利,而他購買保單的
當時,存款利率高達6~7%。
以投資報酬率的角度來看,運用保險理財絕不會是報酬率最高或最有效率的投資工具,甚
至有人認為定存也強過儲蓄型保單,因為過去大部分的時間定存利率總高過保單的預定利
率。不過,兩者的基準根本不一,以某一個時間點來看確實是定存利率較高,但若以連續
的時間來看,就不一定如此,因為定存只能保證1~3年的利率,但保單的預定利率卻是
一輩子的保證(以終身的儲蓄型保單來看);所以當市場利率低於當初購買保單的預定利
率時,像上述案例擁有這種保單的人就真的賺到了。不過,「利差損」(保單預定利率與
市場利率的差額)可苦了保險公司,它必須更努力運用資金去賺錢以履行對客戶的承諾。
目前市場利率長期處於低檔,又因為種種因素,使得利率難以回升,所以產生前所未有的
特殊狀況─保單預定利率高於市場利率,以台幣計價的保單預定利率約在2%左右,以美
元計價的保單約為3。75%,但須注意可能的匯兌風險。意即,現在將資金轉入儲蓄型
保單,一開始即保證高過銀行利率,若利率走高,保單的獲利率可能就會低於定存利率了
。不過,市場利率總是高來低去,保單利率雖然不高,但透過長期複利效果仍可滾出一筆
安全又豐厚的財富;尤其這在投資環境不安定的時代更顯可貴。
相較於其它投資工具獲利的不確定性,運用儲蓄型保單來理財相對穩定又安全,這些投入
的保險費,哪個時候有多少的現金價值,很明確的記載在保單中。正因為它的穩定特質,
很適合規劃在一定要用到的資金上,例如子女教育金或是退休金。確定會用到的錢如果放
在不確定的投資工具上,萬一要用錢的當下碰巧遇到嚴重虧損,那情何以堪,即便想要重
來,可能也沒有足夠的時間重新累積。
保險業屬特許行業,保戶所託付的金額相當龐大,而保險公司所承擔的責任往往長達數十
年以上,所以金管會對保險公司採取十分嚴格的監督機制,不僅規定保險公司投資項目的
分配比重,也運用資本適足率評估保險公司資產面與負債面的經營風險,針對不符規定的
保險公司處以罰則,或以增資方式來控管保險公司的安全性,以保障投保大眾的權益。
儲蓄型保單算是一種「大智若愚投資術」,值得加在我們的投資組合當中,它就像是一隻
忠實的好狗,不會背叛、不離不棄,安安靜靜的陪在我們身邊。一個投資工具好不好,真
的需「經得起時間考驗」。
http://money.chinatimes.com/news/news-content.aspx?id=20110930000042&cid=1206
更多影音新聞
--
無法毫不隱瞞說出的事物
是我的軟弱及我的過去
--
風暴影響層面會多大、多久,到底要不要認賠出場?或該加碼買進?看得到的經濟損失不
說,光是心情隨著股市的震盪起伏就夠難受的,因為「財富在哪裡,心就在那裡」。不安
的情緒甚至影響健康、工作表現、與家人的關係。這樣的戲碼,沒幾年就上演一次,且隨
著資訊的發達與各國之間資金關聯性越來越高,出現頻率似乎越來越高。
一位即將退休的長輩告訴我,這些年來,光是投資虧損就好幾百萬,原本想在退休後有更
多資金可供運用,沒想到卻越變越少,最後認賠收場。他語重心長的說「財富這回事,沒
有一步登天的取巧,只有腳踏實地的累積!」他檢視手上的投資組合,過去被認為報酬率
最差、最不起眼的儲蓄型保單,現在居然帶給他最大的驚喜;因為長期累積的保單現金價
值(俗稱解約金),在他退休後可以忠實地每年提供4~5%穩定獲利,而他購買保單的
當時,存款利率高達6~7%。
以投資報酬率的角度來看,運用保險理財絕不會是報酬率最高或最有效率的投資工具,甚
至有人認為定存也強過儲蓄型保單,因為過去大部分的時間定存利率總高過保單的預定利
率。不過,兩者的基準根本不一,以某一個時間點來看確實是定存利率較高,但若以連續
的時間來看,就不一定如此,因為定存只能保證1~3年的利率,但保單的預定利率卻是
一輩子的保證(以終身的儲蓄型保單來看);所以當市場利率低於當初購買保單的預定利
率時,像上述案例擁有這種保單的人就真的賺到了。不過,「利差損」(保單預定利率與
市場利率的差額)可苦了保險公司,它必須更努力運用資金去賺錢以履行對客戶的承諾。
目前市場利率長期處於低檔,又因為種種因素,使得利率難以回升,所以產生前所未有的
特殊狀況─保單預定利率高於市場利率,以台幣計價的保單預定利率約在2%左右,以美
元計價的保單約為3。75%,但須注意可能的匯兌風險。意即,現在將資金轉入儲蓄型
保單,一開始即保證高過銀行利率,若利率走高,保單的獲利率可能就會低於定存利率了
。不過,市場利率總是高來低去,保單利率雖然不高,但透過長期複利效果仍可滾出一筆
安全又豐厚的財富;尤其這在投資環境不安定的時代更顯可貴。
相較於其它投資工具獲利的不確定性,運用儲蓄型保單來理財相對穩定又安全,這些投入
的保險費,哪個時候有多少的現金價值,很明確的記載在保單中。正因為它的穩定特質,
很適合規劃在一定要用到的資金上,例如子女教育金或是退休金。確定會用到的錢如果放
在不確定的投資工具上,萬一要用錢的當下碰巧遇到嚴重虧損,那情何以堪,即便想要重
來,可能也沒有足夠的時間重新累積。
保險業屬特許行業,保戶所託付的金額相當龐大,而保險公司所承擔的責任往往長達數十
年以上,所以金管會對保險公司採取十分嚴格的監督機制,不僅規定保險公司投資項目的
分配比重,也運用資本適足率評估保險公司資產面與負債面的經營風險,針對不符規定的
保險公司處以罰則,或以增資方式來控管保險公司的安全性,以保障投保大眾的權益。
儲蓄型保單算是一種「大智若愚投資術」,值得加在我們的投資組合當中,它就像是一隻
忠實的好狗,不會背叛、不離不棄,安安靜靜的陪在我們身邊。一個投資工具好不好,真
的需「經得起時間考驗」。
http://money.chinatimes.com/news/news-content.aspx?id=20110930000042&cid=1206
更多影音新聞
--
無法毫不隱瞞說出的事物
是我的軟弱及我的過去
--
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