tag:blogger.com,1999:blog-3886431187196458619.post313468042249554056..comments2024-03-12T10:25:00.985+08:00Comments on 取之有道: 供年金供保險,供到一半點算好?止凡http://www.blogger.com/profile/13815373715261739551noreply@blogger.comBlogger20125tag:blogger.com,1999:blog-3886431187196458619.post-20210895589691494412022-02-11T22:45:35.338+08:002022-02-11T22:45:35.338+08:00有呢個考慮有呢個考慮止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-65985022986613235752022-02-11T20:03:10.605+08:002022-02-11T20:03:10.605+08:00Seems like its a tax deductible annuity. Return al...Seems like its a tax deductible annuity. Return also depends on how much tax payment the owner could have saved. GChttps://www.blogger.com/profile/13049914033939030097noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-7851074448957860512021-12-28T21:25:26.827+08:002021-12-28T21:25:26.827+08:00用最高個利率寫,都幾衰用最高個利率寫,都幾衰止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-37159225982879804742021-12-28T18:51:58.953+08:002021-12-28T18:51:58.953+08:0010 多年前有做過這行一陣子, 要生存除非你人面好廣, 不然你叫你朋友轉保其實都幾搵笨, 所以沒有做...10 多年前有做過這行一陣子, 要生存除非你人面好廣, 不然你叫你朋友轉保其實都幾搵笨, 所以沒有做下去, 當時利率有規定上下限, 當年好像最高11%, 最低6%, 後來全球利率減, 好像下調了上下限, 總之proposal會用最高個利率寫, 基本上任何一間保險公司都不會達到, 長久以後根本沒可能短時間回本.Anonymoushttps://www.blogger.com/profile/16732617768689079317noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-56079997365413691162021-12-24T08:02:32.029+08:002021-12-24T08:02:32.029+08:00明白,有意思明白,有意思止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-54419443603765055712021-12-24T03:19:38.488+08:002021-12-24T03:19:38.488+08:00Price, Product, Issuing company, timing, configura...Price, Product, Issuing company, timing, configuration. <br />You don't buy any "car" that is shown to you, nor any "computer" at any price, you analyze and research and buy what suits you. same as insurance and annuity. takhttps://www.blogger.com/profile/04808371425046020531noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-10219753770080084732021-12-23T23:51:31.667+08:002021-12-23T23:51:31.667+08:00幾好,行內人多啲分享,大家學下野幾好,行內人多啲分享,大家學下野止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-8288274929027759012021-12-23T23:50:59.178+08:002021-12-23T23:50:59.178+08:00我以為你指被化骨綿掌打一下,好多年之後先化骨我以為你指被化骨綿掌打一下,好多年之後先化骨止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-39762952114592573842021-12-23T13:09:39.777+08:002021-12-23T13:09:39.777+08:00D絕世武功都要練一百幾十年,你google下應搵到:)D絕世武功都要練一百幾十年,你google下應搵到:)賽烈士https://www.blogger.com/profile/07096248250367072738noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-56956857815060446842021-12-23T10:39:11.122+08:002021-12-23T10:39:11.122+08:00是呀,不過是個後勤新仔,近幾年保監的監管轉變得很快,我都怕講錯是呀,不過是個後勤新仔,近幾年保監的監管轉變得很快,我都怕講錯Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-80226826384673148232021-12-23T08:00:15.459+08:002021-12-23T08:00:15.459+08:00意思係...最後價格決定好與壞?意思係...最後價格決定好與壞?止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-2363145145752339692021-12-23T07:59:34.199+08:002021-12-23T07:59:34.199+08:00點解?點解?止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-1081955579749608002021-12-23T07:26:04.427+08:002021-12-23T07:26:04.427+08:00其實一講到年期長,我就會諗起周星馳學化⻣綿掌:)其實一講到年期長,我就會諗起周星馳學化⻣綿掌:)賽烈士https://www.blogger.com/profile/07096248250367072738noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-91898010423170541812021-12-23T02:03:22.468+08:002021-12-23T02:03:22.468+08:00the policy is badly designed. You can break even i...the policy is badly designed. You can break even in year 5, not 15. <br />I am not in the industry, but I am a buyer. <br />the same insurance can be designed differently, just like you can buy the same stock at ATH or ATL. you can't say a stock is bad because someone buys at ATH. takhttps://www.blogger.com/profile/04808371425046020531noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-14672760582395926772021-12-22T20:13:12.372+08:002021-12-22T20:13:12.372+08:00其實網友這個計劃只供五期,相對不算難捱,有好多保險計劃動不動要供二十年,很多時中途也想quit其實網友這個計劃只供五期,相對不算難捱,有好多保險計劃動不動要供二十年,很多時中途也想quit止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-38480871105097600242021-12-22T12:05:08.838+08:002021-12-22T12:05:08.838+08:00其實年金的初衷我認為是好的,但很多人買的時候同養寵物一樣,都是一時沖動,結果到後面供款就開始食後悔藥...其實年金的初衷我認為是好的,但很多人買的時候同養寵物一樣,都是一時沖動,結果到後面供款就開始食後悔藥;當然,也有因經紀想賺盡佣金,令客戶過量供款;或因收入有變化,計劃趕不上變化,焗住斷供。<br /><br />其實如真的第二、三年發覺供款力所不逮,也盡早止損,如將保險計劃也當作投資處理,其實算是長遠回報穩定,比通漲略高的回報,但因通常年期長,所以較易做到複利效果。賽烈士https://www.blogger.com/profile/07096248250367072738noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-35814666938687297012021-12-22T07:50:24.117+08:002021-12-22T07:50:24.117+08:00明白,你係行內人?明白,你係行內人?止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-75045253630985609082021-12-22T07:32:20.127+08:002021-12-22T07:32:20.127+08:00以前,由保險代理「督」個回報率俾個客,可以吹到好高,不一定要做到
現在,保監局要求要白字黑字寫清楚,...以前,由保險代理「督」個回報率俾個客,可以吹到好高,不一定要做到<br />現在,保監局要求要白字黑字寫清楚,保證回報只能當保險作用,非保證回報是保險公司選擇派的回報(好似派息),要計實現比率,如果實現比率長期太低,可能產品會被保監要求下架。<br />當然,保險公司分紅會有波動,有時會高於,有時會低於,要在甚麼保險公司買買甚麼產品應該看自己需要。<br />通常,大舖會比較穩定Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-17682527426730712302021-12-21T23:13:14.638+08:002021-12-21T23:13:14.638+08:00分享多啲啦分享多啲啦止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-13700773009925857302021-12-21T22:23:07.264+08:002021-12-21T22:23:07.264+08:00不計及「非保證回報」?
最好睇下每間保險公司的fulfilment ratio。不計及「非保證回報」?<br />最好睇下每間保險公司的fulfilment ratio。Anonymousnoreply@blogger.com