保诚退休计划

balia17

您好！
可不可以寄给我一份呢？
谢谢！

balia17@hotmail.com

heamq

已经寄给你了，
看了要自己明白，那么以后就会自己活用了。

apekqws

谢谢以上的分享，大家都知道以上的通货膨胀率一年比一年高，在此想问大家，在未来的储蓄利息或定期储蓄，哪一个银行或投资公司给于给于您“肯定” 7% 回酬率的计划。一年7%就像等于一个月“0.58%” 。给于利息15年“肯定”利息。

其它保险公司多无法给于“肯定”的7%利息回酬。

此退休计划概念是给于，想要计划退休储蓄以及没有投资风险，此计划是没有投资风险，还给于保险保障，保障保单人的储蓄资本。假如紧急的话，保单人可以随时提出现金或“取消”此保单。（全部过程只需14天工作时间）。假如罹患死亡或终生残废，此保单立刻赔偿125%根据“储蓄”资本，以及所有的现金利息。

除此之外，此计划都有投资在“联结投资基金”，给于保单人一个更平稳的投资机会。此基金是 ：

• PRUlink GOLDEN EQUITY FUND
• PRUlink GOLDEN MANAGED FUND
• PRUlink GOLDEN BOND FUND

以上的基金投资回酬或亏损不会影响到此计划的“肯定利息”，此投资将会是而外计算，给于更高的现金回酬以及更多机会和计划的灵活性。

如想预知更多详情，您可以直接联络我

apekqws

以RM 100,000的资本开始此计划，此保单人的现金回酬将会如下：

年	岁	利息	现金总额	死亡利益
1	31		100,167	125,000
2	32		105,742	125,000
3	33		111,643	125,000
4	34		117,897	125,000
5	35		124,515	125,000
6	36	7,000	124,235	124,135
7	37	7,000	123,952	123,887
8	38	7,000	123,665	123,625
9	39	7,000	123,368	123,348
10	40	7,000	122,061	123,056
11	41	7,000	122,747	122,747
12	42	7,000	122,421	122,421
13	43	7,000	121,077	121,077
14	44	7,000	121,713	121,713
15	45	7,000	120,329	120,329
16	46	7,000	120,924	120,924
17	47	7,000	120,496	120,496
18	48	7,000	120,044	120,044
19	49	7,000	119,566	119,566
20	50	7,000	119,062	119,062

此计划的现金肯定利息是7%，那么其余的现金投资回酬是根据（国家银行投资回酬规定9%投资回酬率）。以上的现金总额是扣除所有的费用例如：（管理费，杂费，及保险费）。

如想知道更多详情，您可以直接联络我

我是柯-保诚保险及投资

honeytan68

请寄给我一份，谢谢。。。
honeytan68@hotmail.com

leesoofang

请你也寄一份给我，谢谢
soo.fang@gmail.com

cheeyong83

谢谢

heamq

已经寄给你了，
看了要自己明白，那么以后就会自己活用了。

apekqws

PRUlink income is a single premium investment-linked life insurance. It accumulates the single premium for a fixed time period and provides a stream of guaranteed regular income for a fixed duration.

• 95% of the single premium will be used to create units in the PRUlink golden funds at next pricing date following the receipt of premium.

Benefits

• On death, or total & permanent disability before age 60, PRUlinkincome pays the higher of 125% of current single premium^ less totalcurrent monthly guaranteed income^ or the value of units payable subject to aminimum of RM5,000. The guaranteed income will cease at the same

• On surrender, PRUlink income pays the value of units and a refund of the insurance charge. The refund of the insurance charge is only applicable for the first 10 years of the policy.
• The plan provides a series of guaranteed income benefit during the payout period which is paid on a monthly basis only.
• When the plan goes into the payout period, the fund continues to be invested. As the income is guaranteed for the entire payout period the monthly income will continue to be paid out even if the fund goes into deficit.

• At expiry, the policyholder will receive any remaining fund value.

^ Current single premium is defined as:

• The initial single premium if no flexible withdrawals have been made, or

• The revised single premium if a flexible withdrawal has been made

^ Current monthly guaranteed income is defined as:

• The guaranteed income pegged to the initial single premium if no flexible withdrawals have been made, or

• The revised guaranteed income pegged to the revised single premium if a flexible withdrawal has been made.

Flexible Partial Withdrawals

• PRUlink income offers a flexible partial withdrawal feature in its design. This feature is available during the accumulation period and payout period.

• When a flexible partial withdrawal is made, subsequent payout income that is guaranteed to the customer will be reduced by the same proportion that was withdrawn from the fund (including the processing fee charge for each partial withdrawal request).
• Flexible Partial Withdrawals can be made in terms of fixed monetary amount through cancellation of units. Minimum amount that can be withdrawn is RM100.

Policy Options

• Policyholder may revise the accumulation and/or payout term only ONCEduring the accumulation period. Request to revise ONLY the payout termis not allowed.
• No revisions can be done during the payout period.
• The policy must have a fund balance of at least RM10,000 to request for such a revision.
• The increase/decrease in the accumulation and/or payout period term is limited to 5 years.
• Once the accumulation and/or payout term is changed, the monthlyguaranteed income will be revised in accordance to the newly selectedaccumulation and payout terms.
• If the policyholder chooses to reduce the accumulation period, therevised remaining accumulation term cannot be less than 24 months. Ifthe policyholder chooses to increase the accumulation period, he/shemust inform the Company at least 6 months before the payment of thefirst monthly guaranteed income.

Charges

• Service charge of RM100 and insurance charges for initial single premium are debited once at inception date and units are cancelled to pay these charges.
• A guaranteed charge of 0.1% of the value of units will be charged annually.
• A one time insurance charge based on the age next birthday at entry will also be deducted from the fund upon inception.
• A processing fee of RM25 will be charged for any changes in the accumulation term and also for any flexible partial withdrawal request.
• A flat administration charge of RM2 per month will be levied at the start of the payout term.
• Fees and charges above (except for insurance charge which is guaranteed) may be varied by the Company from time to time by giving the policyholder 3 months writen notice.

Death
If it is a suicide within the first year, all premiums paid will be returned without interest.

Total and Permanent Disability
In the event of total and permanent disability before age 60, one lump sum payable under all policies with the Company on any one life is up to RM1 million plus bonuses (if any). Any excess is paid in 9 equal annual instalments subject to proof of continued disability. Upon earlier death, the balance of any unpaid instalments is paid immediately. The maximum payable under all policies on any one life is RM2 million plus bonuses (if any).

Total and permanent disability means the complete inability to engage in any occupation and to perform any work for remuneration or profit before age 60. This also includes
(a) total and irrecoverable loss of sight of both eyes
(b) loss by severance of 2 limbs at or above wrist or ankle
(c) loss of sight of one eye and one limb

No benefit is paid if the disability is directly or indirectly caused by

• attempted suicide or self-inflicted injuries while sane or insane
• engaging in aerial flights including parachuting and sky-diving other than as a crew member of or as a fare-paying passenger on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route.

Note:

• PRUlink income is not a Shariah-compliant product.

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apekqws

PRUlink investments : PRUlink Golden Funds
PRUlink golden equity fund aims to maximise returns over medium to long term by investing in high quality shares listed on the Bursa Malaysia.

• The fund management charge is 1.5% p.a.

• PRUlink golden bond fund aims to provide medium to long term accumulation of capital, by investing in selected fixed interest securities, corporate bonds and fixed deposits.
• The fund management charge is 1.0% p.a.
• PRUlink golden managed fund is an actively managed fund that seeks to maximise returns over medium to long term, taking into account the liquidity needs of the fund to meet withdrawals. This is achieved by investing in shares and fixed interest securities through PRUlink golden equity fund and PRUlink golden bond fund and in any other PRUlink golden group of funds that may become available in the future as well as directly in selected fixed interest securities, corporate bonds and fixed deposits.
• The fund management charge is 1.1% p.a.

Unit Pricing

• Unit pricing is done daily.
• Unit price is calculated based on the market value of the underlying assets of the fund, divided by the number of units issued.
• A PRUlink golden fund does not pay any dividend. All investment incomes and capital gains are automatically rolled up in its unit price.
• Unit price is the single price at which units are created and cancelled.

Forward Pricing

• Units are created and cancelled at the next pricing date following receipt of premium or notification of claim respectively.

Fund Manager

• The PRUlink golden funds are internal funds managed by the investment team of Prudential Fund Management Berhad.

dannydanny

原帖由 heamq 于 19-4-2008 08:50 AM 发表
已经寄给你了，
请在这里说说你的看法。

我也要那excel可以吗？

dannydanny

我想问，如果这个人今天给了100k，以后不用再给保费了？也就是说要等15年过后才能拿钱到20年期限？

@SLS@

原帖由 apekqws 于 24-4-2008 11:24 AM 发表
谢谢大家的分享以及意见，此计划的概念其实是帮助大家怎样计划推休后的生活以及退休后的经济状况，此退休计划您们可以说是不完整，但是现在市场上是没有一份计划是可以“保证”给于“保证”定律利息回酬，银行都不能 ...

我听过MAA的有一种是储蓄保单（传统保单）

给足20年然后第21年开始给6%return（guranteed)直到10年，接着就给8%(guranteed)直到88岁

由于是guranteed return，所以保费也蛮贵的

apekqws

此保诚退休计划,你所给的不是不是"保费" 而是"投资现金", 只是给一次而已根据您的投资或储蓄限额. 这份计划不是"传统储蓄保单",而是"投资连接保险储蓄保单".

现金利息就如我以上所说的, 第六年就开始付给, 给于15年利息. 并此还有投资回酬.利息是每年付给的, 此外保单人都可以随时提出此计划的本金,但必须5年"LOCKING PERIOD“过后。那么，肯定利息就根据剩下的本金来计算利息。

李汉伟

原帖由 heamq 于 18-4-2008 09:16 PM 发表
根据你的例子，我用EXCEL算出，

如果在支付期末收到RM11,972的话，
这个游戏的回酬率是1.626%，

如果在支付期末收到RM282,917的话，
这个游戏的回酬率是4.757%。

值不值得买呢？大家心里有数！

我绝对同意。我用financial calculator算出来的也是这样的回筹。
1。6%而已。

李汉伟

原帖由 apekqws 于 20-5-2008 05:49 PM 发表
谢谢以上的分享，大家都知道以上的通货膨胀率一年比一年高，在此想问大家，在未来的储蓄利息或定期储蓄，哪一个银行或投资公司给于给于您“肯定” 7% 回酬率的计划。一年7%就像等于一个月“0.58%” 。给于利息15年“ ...

”肯定"没有7%
你自己好好的算一算，不要再误导别人了。

BMPower

原帖由 heamq 于 21-4-2008 07:54 PM 发表
已经寄给你了，
看了要自己明白，那么以后就会自己活用了。

heamq, 我也要. 可以寄给我吗?
谢了。

zac_low@yahoo.com

apekqws

既然以你们所说, 那么我不需要跟你们一般见识, 我阻止不到你们. 谢谢分享.

heamq

请你不要生气，
我只是就事论事，

以你在第44楼所说，
31岁时交付100000，
36岁到50岁15年每年领回7000，
还有假设50岁时也领回119062的话，
回酬率是5.481%。

再说，50岁时领的119062不是担保的吧！

如有得罪，在此说声对不起！

apekqws

肯定利息是给于15年，其余的是投资现金回酬，投资现金回酬当然是不“担保肯定”的。这大家都懂。以上我想跟大家知道的是此计划给于“肯定”储蓄利息，以及给于“投资回酬”。所以是不能拿来一起并谈并论，因为“肯定”利息与“投资回酬”是两回事。

你所说的那个是“投资现金总数”，而不是“肯定利息”。请看回以上。假如你想更多的，我可以电邮您。

我也明白您的分享与利息以及未来的通货膨胀，那么“储蓄利息”就以您所说的，我赞同。

我也不需要误导大家，因为大家都是对数目敏感。所以是知道怎样变通。

如有的罪，请多多原谅。