Hong Kong's savings plan is leading a new investment boom
Under the influence of multiple factors such as the slowdown in Chinese mainland's economic growth, wealth market volatility, and bank policy adjustments, high-net-worth individuals are facing unprecedented investment risks and challenges. They urgently need to find new investment channels to ensure the steady growth of their wealth.
At this time, the Hong Kong savings plan has attracted the attention of many investors with its unique advantages. In particular, its attractive return of "paying 200,000 yuan on a regular basis, paying it for 5 consecutive years, paying a total of 1 million, and turning it into 100 million in 40 years" is even more exciting.
The reason why high-net-worth individuals are keen to allocate US dollar assets is mainly based on their deep insight into the global economic situation. They recognize that the dollar, as the world's most important reserve currency, will be difficult to shake in the short term. Therefore, allocating some assets/assets to US dollar assets not only helps to diversify investment risks, but also protects against losses caused by exchange rate fluctuations to a certain extent.
According to the 2021 China Private Wealth Report jointly released by China Merchants Bank and Bain & Company, more and more high-net-worth clients are beginning to pay attention to overseas asset allocation. Compared to 2019, they increased their foreign asset allocation from 15% to 30%. This change fully illustrates the importance of overseas asset allocation among high-net-worth individuals.
Among the many overseas investment channels, Hong Kong insurance has become a popular choice for high-net-worth individuals due to its diversified, stable and global characteristics. By purchasing Hong Kong insurance, they can not only maintain and increase their wealth, but also enjoy diversified needs such as global products and services, and children's education at home and abroad.
A classic case of a small goal
Mr. Zhang from Beijing understands this very well and has a good grasp of current affairs. The interest rate gap between China and the United States is expanding, and it is the opposite, that is, the interest rate in the United States is rising, and China's interest rate is decreasing, forming a strong arbitrage space, in the past, the RMB was mostly in the hands of the Chinese people, but as the RMB is in the hands of more countries, the exchange of low interest rate for high interest rate for US dollars is no fundamental benefit, so the higher the internationalization, the more the depreciation of the RMB is magnified under the influence of the interest rate differential.
So Mr. Cheung applied for the Hong Kong Multi-Currency Plan in early June this year, and deposited US$200,000 a year for 5 years, a total of US$1 million!
There are 5 main reasons why Mr. Cheung chose a large insurance policy:
1
It has more advantages than mainland products
The compound interest rate of Hong Kong insurance in the same period is two to three times that of the mainland, and the long-term compound interest rate of the mainland is only about 3.5%. In addition, the latest new regulations issued by the mainland regulators will remove all incremental whole life products with an interest rate of 3.5% from the shelves in the future, and stop selling all traditional life insurance with a predetermined interest rate higher than 3.0%, as well as participating insurance with a predetermined interest rate higher than 2.5%, and universal insurance with a minimum guaranteed interest rate higher than 2.0%, and the predetermined interest rate of 3.5% for mainland products will become a thing of the past.
Hong Kong insurance adopts the method of compound interest and dividends. The long-term compound interest is 7%, and this part of the income is generated continuously and steadily, and the funds will show exponential growth in the later stage; The return with long-term customers of annuity insurance in mainland China is around 3%, and after a few decades, the absolute amount gap is very large.
Let's take a look at how many times worse than the 7% compound interest yield in the mainland in 100 years compared with the 7% in Hong Kong policies
As shown in the image above:
By the 30th year, the income of Hong Kong insurance has increased by 7.1 times, while the insurance in mainland China has only increased by 3.1 times, a difference of 2 times!
By the 50th year, the income of Hong Kong insurance has increased by 57 times, while the insurance in mainland China has increased by 6.8 times, a difference of 8 times!
By the 100th year, the income of Hong Kong insurance has increased by 811 times, while the income of mainland insurance has only increased by 48.5 times, a difference of 16 times!
2
Allocate overseas assets reasonably and legally
Savings insurance in Hong Kong is flatly denominated in US dollars. The U.S. dollar is the world's currency and the reserve currency of many countries. Hong Kong insurance is an offshore asset, and at the same time, it is not included in the scope of taxation, and it is debt and tax avoidance. Insurance companies in Hong Kong pay more attention to personal privacy, respect and protect personal property; All major insurance companies are registered in the Bermuda area, and their funds are more secure and confidential.
3
Visible value growth
Let's take a look at the benefits that Mr. Zhang's large-sum policy can bring:
As you can see from the image above:
By 20 years, the account was worth $2.3 million;
By 30 years, the account was worth $4.7 million;
By the time it was 40 years old, the account was worth $9.33 million;
By 50 years, the account was worth $19.34 million;
By 60 years, the account was worth $40.68 million;
By 70 years, the account was worth $86.21 million;
By 80 years, the account was worth $183 million;
By '90, the account was worth $389 million.
The policy account value doubles in the 19th year and every 10 years thereafter! By 80 years, the policy amount had reached $183 million, 183 times the principal amount.
4
Powerful isolation capabilities
If there is a problem with Mr. Zhang's business operation, the policy account will not be enforced.
5
A great way to pass it on
There is no inheritance tax when wealth is passed on to the next generation, and Hong Kong insurance policies have one of the best features of inheritance: you can designate beneficiaries and distribution ratios. This kind of inheritance arrangement, unlike the will, which needs to be notarized at a notary office, or other arrangements that require the consent of all legal heirs, protects the privacy and security of the property very well, and can also be distributed according to the person's wishes in the most convenient way.
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Generally speaking, Hong Kong's insurance policies are mainly denominated in the US dollar, and the insurers behind them have demonstrated solid profitability and risk control capabilities with their global operating strategies. Hong Kong's globalised financial investment environment can effectively avoid risks in a single country or region and achieve stable investment returns.
Among them, savings insurance, as a long-term investment plan, has attracted much attention for its security and long-term return on principal commitment. During the 20-year holding period, Hong Kong dividend savings insurance can provide an annualized compound interest rate of about 5%, and some hot-selling products can even reach an annualized compound interest rate of about 7%, which has a significant advantage over domestic wealth management products.
In the face of uncertain currency trends, the long-term stable and high returns provided by Hong Kong insurance and its comprehensive protection functions have become more important factors for investors. This kind of insurance product, which can not only maintain and increase value, but also provide comprehensive protection, undoubtedly provides investors with a more secure and efficient investment choice. #头条创作挑战赛#