《我的买定投余策略》11/1转贴：【保险迷思】储蓄险真的能储蓄？（912#）

AK-

回复  AK-


    我LG的哥哥也是这样中肾病,现在也是CLAIM 不到保险,还要供屋子,PA不是没有工作能力就可 ...
eve_yen03 发表于 25-10-2010 02:18 PM

  这就是为什么我坚持买定投余策略了，就是因为知道买保险也不一定有赔偿的。

如果普通收入的我们都把大部分钱拿钱买保险、储蓄保单的话，就会面对这样的问题。

如果一个人把钱都拿去买储蓄保单的话，像你那位哥哥中肾病，保单是不会做出赔偿，
而且还要继续供保单，不然就等断保，亏死！

反观买定投余策略，能够将自己投资的基金赎回，即使行情不好，也不会像储蓄保单那样亏死人哦～

kteng7739

回复 505# AK-

肾病有的赔，但要两个一起坏，才可以有的赔。。。。
pa? 是意外保险来的，和肾病没关系。。。

可以去socso 问问看可以拿到些钱，来维持生活吗？（如果有交socso 》 10年）

AK-

那本《周显发达指南》有点极端～

呵呵～ 他的投资策略，很难接受～ 呵呵～

或许我不是那个领域的人的关系吧～

竟然说红酒chateau Lafite Rothschild是最终极资产。。。。。 ZZz...

还有他那种说for无产阶级、中产阶级的投资策略法，实在.....汗～

竟然说for无产阶级的人，投资方的第一规条：千万不要买保险。

还说富人的命贵，穷人的命贱，所以穷人不需要、也买不起保险～

Zzzz.... 很极端一下～

AK-

刚刚才听到以下内容，我想查证，有哪位大大可以提供资料？
由于听了太多一时间消化不来，只隐约记得这一小部分，希望大大们可以帮帮忙～

每个基金与public mutual公司是属于法人（entity）。
也就是说public saving fund 、public regular fund等等及public mutual都是个体。
而基金之间因是属于“个体”，那么它们之间并没有交互的利益关系。

  好多名词我都听不懂，我只记得这个entity。

---

~~~~~~~~ 备 用 ~~~~~~~~
法人单位 impersonal  entity
必须具备四个条件：第一，依法成立；第二，有必要的财产或经费；第三，有自己的名称，组织机构和场所；第四，能够独立承担民事责任。依法成立表现为已经注册登记；有必要的财产或经费表现为注册资金；有自己的名称，组织机构和场所表现为自主经营；能够独立承担民事责任表现为独立核算。不具备四个条件中的任何一个则是非法人单位。


维基百科：
Collective investment scheme  集体投资计划
http://en.wikipedia.org/wiki/Collective_investment_scheme

中文翻译  
http://translate.google.com.my/translate?hl=en&langpair=en%7Czh-CN&u=http://en.wikipedia.org/wiki/Collective_investment_scheme

AK-

38）26-10-2010 究竟买保险，算不算一种投资？（黄凯顺）

在他的第2本书《你在用钱还是钱在用你》，有这文章内容。

这个资讯，我个人觉得相当不错一下～
资料来源：
http://www.chinapress.com.my/topic/focus/default.asp?sec=newbreak&art=0104newbreak.txt
或
http://hi.baidu.com/cnddong/blog/item/8186ccc2b9e478100ff4777c.html

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【投资理财，常见误区】
究竟买保险，算不算一种投资？

有种保险计划，坊间广称为“投资型保单”，它是 1997年开始在我国面市的“投资联结型保险”，
即把保险计划、保险公司本身的单位信托，两者结合一起。

购买这种保单，代理员会跟你说：它可用来投资、储蓄和保障，有时，
它还可以附加顽疾险、住院卡、意外保险等。

我们想知道的是，结合多功能的保险，可以顺利发挥功效吗？

“保险不能作投资，只能作保障，如果你把保险当投资，你一定会很失望！”理财培训人黄凯顺这么说。

他主张，保险的功能就是单纯的保障，如果要投资，就应该选择其他的投资工具，
所以应该把保险跟投资分开。原因是，投保者所缴的保费，若与真正用来投资的数额作比较，简直是相差太远。

“你所缴的保费扣除了佣金、行政成本、管理费用之后，才把剩下的拿去投资购买单位基金，
若要真正投资，为何不直接拿去投资，而要经过这些？”

黄凯顺指出，他的许多学员得知类似“三合一”保险配套的真相后，发现自己赚少很多钱，
人人都要“暗槌”（后悔而心痛），最严重的问题，莫过于付出超高的保费，却得不到足够的保障！

令他记忆深刻的是，一位学员误以为买保险就是投资，进而给家里买了47份保单，每月保费占家庭收入的60%！当他发现真相，想要重组保单，却又陷入两难的局面：中断会亏了之前的保费，继续又嫌负担太重。这时，投保人始懊悔自己因无知付出沉重的代价──白白替别人赚钱！

---

以前流行投资连结保单，现在市面上就流行储蓄保单～ 以后不懂又会流行什么保单种类了～
呵呵～

kteng7739

那个中国报的link 开不到

AK-

那个中国报的link 开不到
kteng7739 发表于 26-10-2010 09:36 PM

    不知道为什么，之前中国报的link不能衔接，所以上网找到了另一个link。

http://www.chinapress.com.my/topic/focus/default.asp?sec=newbreak&art=0104newbreak.txt


http://hi.baidu.com/cnddong/blog/item/8186ccc2b9e478100ff4777c.html

雁风

安拉～ 别担心 ～

其实我是很清楚买term唯一的缺点就是期限问题，
我目前找到的市面上最高保 ...
AK- 发表于 24-10-2010 12:02 PM

我看到AXA蛮喜欢出那些term insurance到99岁的。
不知道大马有没有。
可以去看看。

GeMan

回复  AK-


    我LG的哥哥也是这样中肾病,现在也是CLAIM 不到保险,还要供屋子,PA不是没有工作能力就可 ...
eve_yen03 发表于 25-10-2010 02:18 PM

PA = personal accident 个人意外保险

中肾病 是生病，不是意外，所以 PA 不能claim。

再说，银行的房屋贷款保险一般只是保障 死亡 或 终身残废，不包括３６疾病。而要以 肾病（两个腰子都坏了） 来 claim 终身残废，不是不可以，只是比较困难一些。

eve_yen03

PA = personal accident 个人意外保险

中肾病 是生病，不是意外，所以 PA 不能claim。

再说，银行 ...
GeMan 发表于 27-10-2010 01:41 AM

    对,他就是二个都不能用了...连医生都讲他不能做工,SOCSO是有赔,不过不多一个月才RM500而已,他老婆也没有做工,儿子才出生不久 ,可怜我们还要帮他供屋子....累

kteng7739

回复 514# eve_yen03


    他的那份保险， 在这样的情况下帮不到他

AK-

对,他就是二个都不能用了...连医生都讲他不能做工,SOCSO是有赔,不过不多一个月才RM500而已,他老婆 ...
eve_yen03 发表于 27-10-2010 11:05 AM

结论：

买保险未必有得赔偿！保险条例太多！

还是要靠自己比较好～
奉劝各位网友们，仔细研究我支持的买定投余策略，
如果我们不去买那有cash value的保险，那么我们不是有更多的余钱可以投资么。

kteng7739

回复 516# AK-


    不可以这样讲， 因为他买的是意外保险，投保的范围不包括肾。。

AK-

回复  AK-


    不可以这样讲， 因为他买的是意外保险，投保的范围不包括肾。。
kteng7739 发表于 27-10-2010 11:27 AM

他只是买意外保险PA而已咩？？

kteng7739

回复 518# AK-


    他的贴中写到是pa

AK-

回复  AK-


    他的贴中写到是pa
kteng7739 发表于 27-10-2010 11:36 AM

    oh my god~ 看漏～～ Zz...

不过，即使他有买36种疾病，也是没得赔偿，除非。。。2粒一起坏～

再不然，有医药卡也只能付点医药费～

kent05

26-10-2010 究竟买保险，算不算一种投资？（黄凯顺）

在他的第2本书《你在用钱还是钱在用你》，有这文章 ...
AK- 发表于 26-10-2010 09:19 PM

         你觉得这本书如何?

AK-

你觉得这本书如何?
kent05 发表于 27-10-2010 02:07 PM

http://cforum.cari.com.my/viewthread.php?tid=2003478

目录中，第36项主题，我有分享这本书。

AK-

39）02-11-2010 网上资讯：投资连结保单 或是 信托基金？

看到以下的资料，供各位参考。
很可惜只有英文版。
当中作者提到买保险的主要目的是为了什么？
买保险就是为了保障，也就是是转嫁风险。
相当同意她这点，那么买ILP似乎又变成把风险转给自己了～ 呵呵～

其实真的需要了解ILP的操作，不过若是能配合年龄与操作的话，
不得不承认，ILP也是可以作为选择之一。
这几日的研究，有点明白，为什么他们老是说年轻人适合较适合买ILP。

不过，文章中作者有提到她的丈夫，买了ILP 12年就发生需要top up（insufficent fund）的事情。
她这篇blog 是在 May 2008年写的，也就是说他丈夫大概是在1996年买ILP。
竟然如此为什么12年间ILP的基金表现却这么差呢？

反而，我个人研究的大众基金表现大多都有达到预定的回酬率。百思不解～

不过，也就如此，这证明了买ILP所潜在的风险性了。
买了保险还要担心 ～ 呵呵～

当然我也同意作者所讲的，对于年轻人来说，ILP是个保费较便宜却能得到较大的保障。
但往后就不知道何时会发生insufficent fund而已～

作者最后一句，相当不错哦～呵呵～
Don’t let the attractiveness of having it all (investment + life protection + low premium) blind you!

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http://www.jeanchai.com/?p=20
Investment Linked Insurance or Unit Trust ??
May 3, 2008 6 Comments

A close friend of mine asked me to write about the option between unit trust
and investment linked insurance. It seems to be a common question to many.
My personal view on this would be whatever choices we made, be it unit trust
investment, or insurance product, we need to have a good understanding of
the underlying nature of the product, so that we can select products that best
meet our needs.

First of all, before we get excited over the variety of products offered in the
market, we need to always go back to the basics. As a basic guideline, we need
to first remember why are we buying insurance in the first place?
Primary objective of insurance is for protection. If you have dependents, it is
vital that you are protected with adequate insurance policies like life/critical
illness/medical insurance, before you think of other investment option like
Unit Trust. Investments take longer to accumulate to the level that may be
required by your dependents, whereas insurance benefits can immediately
meet those needs if required.

I suppose that’s what has made investment linked insurance products grow
very rapidly- trying to kill two birds with one stone, ie. having insurance
protection and at the same time not missing an opportunity to participate
in investment. However, it is vital to be aware that insurance and
investment are two different things. People buying such investment linked
products should have a clear understanding how the product works.

There are benefits of buying an investment linked insurance such as a much
lower premium layout and a chance to invest with the help of professional
investment experts whilst enjoy life insurance protection etc. Here, other
than the commonly shared benefits, I will try to list out a few main points
which I think are important to be aware of:-

1. What is an investment linked product (ILP)
ILP is a life insurance plan that combines investment and protection.
The premiums you pay provide you not only with life insurance cover but part
of the premium will also be invested in specific investment funds of your choice.

2. How does it work?
A portion of premium payment is used to purchase units in the investment
linked funds managed by the insurance company. The protection coverage
is provided by paying the insurance charges, fees and other related expenses
via the deduction of the premium or sale of units from the investment funds.

3. What are the risk of purchasing ILPs?
ILPs offer the potential for higher returns compared to traditional life
insurance if you opt to invest in equity related funds. However, unfortunately,
higher return always come with higher risks.

Just like unit trust investments, the investment returns are not guaranteed,
the price of the units can rise or fall. Needless to say, the investment risk
will be 100% borne by the policy-holder. It has no guaranteed minimum
surrender value like endowment or term life insurance.  If a fund does not
perform well, the cash and maturity values will be adversely affected.

One of the benefit of ILP is for the same protection given, the premium
required tends to be much lower compared to a traditional term life policy
and is meant to remain the same every year . However whilst premium is
expected to remain the same, the insurance charges is subject to change!
The insurance charges start off low when you are young and increase as you get older.

For most regular premium ILPs, insurance coverage charges are paid through
the sale of units. For eg, if the insurance charges is RM 100, and the bid
price of the fund is RM0.95. The number of units sold to pay for the insurance
charges would be:-

                        RM 100/ RM 0.95 = 105 units

As you get older, your insurance charges get higher but the premium that
you paid is expected to remain the same based on certain assumptions
about the performance of the fund. However, if the fund performs poorly,
the value of the units may not be adequate to meet the insurance coverage
charges. For eg, now your insurance charge has increased to RM 500, and the
fund price has dropped to RM 0.50, total units that you have to sell to pay
for the premium would be 1000 units. What if, unfortunately, your total
available fund units were less than 1000 units?

     So, what would happen then?.

You have two choices –
1. reduce your protection coverage, just when you needed it the most when
    age is catching up; or
2. to top up your premium to cover high insurance coverage charges.

Just a personal experience to share, my husband bought an investment linked
insurance more than 10 years ago, and was under the impression from his
insurance agent that he can stop paying his premium after 12 years of his
policy. Unfortunately, to his surprise, after years of paying the premiums, he
was asked to top up the premium instead due to poor performance of the fund!
Such “surprises” can completely disturb your financial plans.

4. How much of the premium is used to purchase units?
Unlike unit trust investments, the full amount paid may not always be
allocated to purchase units. Before buying the ILP, it is important to find out
what percentage of your premium would be used to purchase units. Usually,
from the beginning years a bigger portion of the premium paid is used to pay
for the insurer’s expenses such as agents fees and administration costs.
Hence smaller portion would be used to purchase investment units. These
expenses decrease over time, the premium allocation increases to purchase
units increases until it reaches 100% in later years. From what I gather, for
most insurance companies, the 100% premium allocation takes place after
the 6th to 7th years.

5. Will the level of protection affect cash values of the policy?
Yes, it would. It is needful to understand that for the premium you wish to
pay, there will be a trade off between the amount of insurance coverage
provided and the amount available for investment. The higher the level of
coverage selected, the more units will be absorbed to pay for the insurance
charges and the fewer units will remain to accumulate cash values under
your policy.

6. Can you sell your units at any time like unit trust?
Yes, you may, perhaps with certain charges. However, if you sell some of
your units, you may not adequate to sustain the level of cover that you need.

Conclusion
So, is investment linked insurance product a good choice?
  It can be especially to the younger person whom has limited budget to
buy a traditional term life insurance, which might cost significantly more p
remium than for the same protection.

  However, if you can afford, and insurance protection is a significant objective,
I will strongly recommend you to consider other insurance options in view of
the potential risk of compromising the protection coverage due to poor
fund performance. If your primary objective is for investment, then go for a
100% investment focus channel, like Unit Trust.

Don’t let the attractiveness of having it all (investment + life protection + low premium) blind you!


p/s: Just a disclaimer, here   I am merely share with you my personal point of view based on my knowledge of the topic. I am not a qualified insurance agent. Hence, do consult the professional for any of your decision made.

AK-

http://www.meshio.com/2006/06/investment-linked-insurance-policy-insurance-charges-final-part/