儲蓄之外要有更大目標#516案

Hi Lum Sir

 

I’m really glad to have come across your blog and have gained many new insights to property and other investments.  I’ve also attended the course last Saturday and do have follow up questions which I was too embarrassed to ask in class.

 

I signed-up to a 25-year investment-linked insurance policy back in early 2006, one of my worst decisions made in life!    I make monthly contribution of HKD5K per month and the accumulated $ I’ve put in to-date is HKD480K.  The return on this investment is appalling as my ‘advisor’ never helped in reviewing the portfolio (never contacted me in the past 6 years!) and I was too upset with this plan so I ignored it throughout these years.  I know this is not the correct approach so I would like to rectify this in the New Year. 

 

I have a few options with this plan and would like to get your thoughts on this. 

 

(1)    Cease to make further contribution to the plan and meanwhile, study the available funds and switch to those that have potential capital growth.

 

(2)    Continue with the monthly 5K contribution but switch the current funds to high-yield bond funds.  Take withdrawals every year to secure the return generated from the high-yield bond.

 

(3)    Reduce the monthly contribution to the minimum (USD300) and consider latter steps in Option 1 or 2.

 

(4)    Reluctantly surrender the plan (will foregone approx. 1 year’s contribution) and get back the remaining $ and put to generate monthly income.

I can only come up with the above options.  If you have better recommendation, I believe other readers can benefit from it. 

 

Many thanks in advance for your comments.

GY

答案

大家好。一大段英文辛苦哂大家(如果你有睇問題部份)。在堂上正解基金部份提及了投資相連保險,為此買基金的做法提出了正反兩面的意見。同讀者一樣都在新一年免提舊事,著緊去處理仲有廿幾年先供完的投連單。

 

首先保險本身沒問題,對社會有益,保障了各人因離世引起的財務損失。又或大家係街比車撞都一定有錢賠,主因是每輛街車都第三者傷亡保障。到近年銀行、保險公司爭出不同種類保障產品,將保險及儲蓄加埋一齊、將保險加投資基金買埋一齊、更有人將保險同買樓拉埋一齊黎講….只好說筆者自己不喜歡用「三合一洗髮水」,放於理財角度就是保險有保險買,儲蓄有儲蓄做較合筆者心水。至於投資相連保險是將基金加上保險一併賣出,有些人將此類產品歸類為101plan,其實是不對的。因101plan只是投連單的一種。

 

買了101 plan及後求助於筆者的人都對提及了計劃的幾個特性,一是有短的強制供款期,由18個月至36個月不等,幸好他們都有留意到正式供款期是十幾廿年的。二是免費無限轉換基金,三是有幾十個百份比的開首現金獎賞。在收息課堂會再解說當中之魔鬼細節,在2006-2008年由於大市非常波動,分別有不同的人賺錢及蝕錢,在此類市況不會見大批人去留意計劃表現。到近兩年市況波幅降低,開始有人發現回報不及預期,當然有人是透過此計劃賺錢的,只是筆者未有能發現。

 

用此類計劃去月供債券基金作收息是不智的。月供一向配高波幅投資物,盡利用平均不問價入市去對抗自己「手癢想捕捉時機買股」之心性。如自問在投資上很有規律,說做便做到到,即話唔買就唔買個隻,你更可以同月供計劃say goodbye。另外由於投連計劃是中途不派息,雖用此類計劃買收息物會將所得利息放在計劃內滾存,惟此舉一違反了筆者建議大家一生人爭取正現金流的主張,二是放在計劃內不免又被人收費,那何不將金額放在沒年期而每月現金派息的投資物呢? 說到底都是有錢落袋最緊要,一筆十幾年之後先能套現的財富有何用呢?

 

讀者如想停止計劃要支付退保費,以25年供款期計算著實不少。即取回計劃內的金額亦要冇梗一截,那只好著量減低計劃供款金額,對於一些開展了幾年的計劃,加減金額應是無費用的。維持供款習慣,適時轉換基金。

 

結語是不要儲錢,大家是要儲現金流。當大家每月現金流有幾萬蚊,你唔返工或比人裁都冇咁驚了。將自己人生目標定在廿幾年後有五百萬,有用麼? 定五至十年都勉強可以,十幾廿年真係唔使諗。至於近年銀行力推之年金產品,又是另一種看法。有樓或資金在手者可趁現時市況未動盪前為自己制造正現金流,為下一波市差時做準備。










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