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Annity (ROI (Repayment (Start from 55yr, 20 years, Repayment transferable…
Annity
ROI
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Repayment
Start from 55yr, 20 years
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Options
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BOC
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Below 45
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Repayment from 60yr, forever
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Goal
Tax Saving: HKD $10200/person ($20400 for 2)
= 17% return for first year + 3% inflation for coming 15 years
Product:
- QDAP政府認可扣稅年金計劃
- 供款期5年，每年約6萬港元, 每年最高退稅$10200。
- 另外年金儲的錢會以復利率大約3.5%-3.8%滾存，可選擇在56/66歲開始每年派年金約3萬多/4萬多，派20年。期滿再有bonus 約6萬多/9萬多。
- 你亦可隨時選擇不取年金把錢積存，也可選擇在不同時段全數/把部分錢取走。
- 身故賠償： 已供款的105% 或 選擇繼續以年金形式把餘下未發放的年金派到指定受益人，以取得本來預期的總回報。
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Conclusion: Not the product I am looking for, reasons:
- ROI is only on Tax saving for the 1st year
- Coming 15 years is only inflation
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