财务龟化(保险，基金，遗嘱)－asset bloat of funds(基金资产膨胀）#1121

kteng7739

当 遇到 调整时，







当遇到调整时，起码你可以用bond fund 那里的资金可以用来top up.

Notes:
个人意见只供参考。

汉王

你要给我看的就在18楼？

kteng7739

关于 又要投资，又要有保障的，还有一个选择， 有些保险公司有出售产品，就是类似ilp 但缺没有ilp 的management fees 这么 高。
例子如果一个人投资在10k 在这类信托，可以换取到 死亡利益的保险12.5k。 如果后期再投资10k, 就可以得到 60k 的死亡利益保险
total invest=20k(service charge)
死亡利益＝72.5k.

eg： maa 的 master saving plan.

AK-

今天在南洋看到的这两个fund,



大众银行系列的澳洲基金 09年6月推出（balance fund)



大众信托 ...
kteng7739 发表于 18-11-2010 11:23 AM

刚刚发现到一件事，同样是澳洲基金，为什么这2个的benchmark 指标不一样的？

kteng7739

回复 444# AK-


    两个投资的领域有些不同。。。

kteng7739

除bond fund, money market fund, 这个好像也是不错的避风港口，（投资在money market)

kteng7739

titan vs china select fund





长远来看中国大鸟会比中国‘惊险’ 比较理想，因为它 share average cost 会比较底，惊险是在高pe 时推出


（个人看法，只供产考）

kteng7739

应该不是市场最好的能源资源基金 ：（
慢推出市场， 还有投资的好像没什么在矿物上（可参考它的annual report)


(个人看法，只供参考）

很久没看基金资料了，要会offfice 拿些annual report.

kteng7739

早期分红保单的新闻，到底满期了要不要再供下去？（迟点再scan 上来）

kteng7739

请问你清楚保单里面的内容吗？

kteng7739

这是发生在sg 的， 如果针对agent 还是保险公司，其实可以善用你的消费人权利，去到bank negara 投诉，好过白白损失

kteng7739

critical year 的意思 part 1

kteng7739

critical year 的意思 part 2

kteng7739

关于accumulated bonus 的定义？ 有没有保证。保险公司的答案

kteng7739

典型的分红保单，叫你供了再供，‘因为你自己要求供16年’

kteng7739

关于这些新闻，请去了解关于分红保单。。。

kteng7739

谈谈 insurance act 还有agent 的责任

Duty of disclosure.  150.   (1)   Before a contract of insurance is entered into, a proposer shall disclose to the licensed insurer a matter that—   
(a) he knows to be relevant to the decision of the licensed insurer on whether to accept the risk or not and the rates and terms to be applied; or   
(b) a reasonable person in the circumstances could be expected to know to be relevant.   
   (2)   The duty of disclosure does not require the disclosure of a matter that—   
(a) diminishes the risk to the licensed insurer;   
(b) is of common knowledge;   
(c) the licensed insurer knows or in the ordinary course of his business ought to know; or   
(d) in respect of which the licensed insurer has waived any requirement for disclosure.   
   (3)   Where a proposer fails to answer or gives an incomplete or irrelevant answer to a question contained in the proposal form or asked by the licensed insurer and the matter was not pursued further by the licensed insurer, compliance with the duty of disclosure in respect of the matter shall be deemed to have been waived by the licensed insurer.   
   (4)   No licensed insurer, insurance agent, licensed financial adviser or financial adviser’s representative, in order to induce a person to enter into or offer to enter into a contract of insurance with it or through him—  Act A1247.  
(a) shall make a statement which is misleading, false or deceptive, whether fraudulently or otherwise;   
(b) shall fraudulently conceal a material fact; or   
(c) in the case of an insurance agent, a licensed financial adviser or a financial adviser’s representative, use sales brochure or sales illustration not authorised by the licensed insurer.   
      Penalty : One million ringgit.


Offence in relation to entries in documents.  205.   No person, with intent to deceive—   
(a) in respect of a document relating to a licensee—   
(i) shall make or cause to be made a false entry;   
(ii) shall omit to make, or cause to be omitted, any entry; or   
(iii) shall alter, abstract, conceal or destroy, or cause to be altered, abstracted, concealed or destroyed, any entry;   
(b) in respect of a group policy, shall receive a proposal for insurance, or collect premium, on the group policy if it has expired or has been cancelled by the licensed insurer;   
(c) shall forge a document, or make use of or hold in his possession a false document, purporting to be a policy of a licensed insurer;   
(d) shall alter an entry made in a policy of a licensed insurer; or   
(e) shall issue or use a policy which is false or incorrect, wholly or partly, or misleading.   
      Penalty : Imprisonment for ten years or ten million ringgit or both. Default penalty.

http://www.bnm.gov.my/index.php? ... p;ac=545&full=1

觉得我们这理的消费者不会善用自己的权利， 当 如果agent 给了一些错误的资料引导你买保险。其实可以控告agent,如果agent 用自己的方式做了报告还是presentation而不是采用自己保险公司给的illustation, 他就要负上法律上的责任。自己要承担后果。。

AK-

精彩～ 很劲爆的“新闻”，依稀记得以前看过此报章报道。呵呵～

正好给现在的年轻保险代理员知道～

kteng7739

回复 458# AK-

以前的分红保单，如果你签错一张form 就完了。。。。：（，关于accumulated bonus， 我写信去**A 公司拿资料，他公司给的是没法保证，还给了我一official letter,。。。但是这里很多agent 都可以给我 3.， 5% 回酬，我觉得怪怪的。。。。我要相信agent, 还是company official letter?

kteng7739

之前我讲过的，又投资又有保障的investment+protection,例子是 maa 的master saving plan, 投保额是随着investment amount 提高

如果和saving plan 比较

1） 灵活，可以随时买卖
2）保险投保额高
3）因为以信托方式投资，当然风险高
4）service charge 比较高， 6-6.5%
5）投资的小部分会拿去当insurance fees

例子是income fund(blue chip fund) 来比较，







upload 一些它的term and condition 还有insurance charge