2020Q1 扣稅年金比較

【Hong Kong Tax Saving News for Expats】Last chance to save HK$10,200 for 2019/2020

Starting from April 2019, QDAP (Qualifying Deferred Annuity Policies) could help taxpayers  to tax deductions with the cap HK$60,000 per assessment year.

Counting with the highest tax rate 17%, you can save HK$10,200 every year at most!

 

Generally, annuity plan is a tool of retirement planning which can provide a very stable  guaranteed retirement income over a period of time. 

Yet, there are many options of QDAP over the market, how can we find the most suitable and competitive one by ourselves? 

Tax Saving News for Expats

邊類型年金適合自己?

E+保險比較-年金計劃我識揀,自己慢慢揀到啱!

We, DarkMoney as a HK Insurance Comparison Platform had already made an all-rounded comparison of QDAP for you! 

If you are interested to know more in details, please feel free to contact us through FaceBook and Whatsapp (9165 6012)

Company 安盛 AXA 中國人壽 ChinaLife 富通 FT Life 忠意人壽 Generali 保誠 Prudential 萬通 YFLife
Age / Sex Aged 38 / Female / Non-Smoker
Premium Term 5 Years
Annual Premium HK$59,998 HK$60,013 HK$60,064 HK$59,998 HK$59,301 HK$60,000
Total Premium HK$299,988 HK$300,067 HK$300,321 HK$299,988 HK$296,507 HK$300,000
At most you can save(Assume 17% Tax Rate) HK$10,200 per yearTotal HK$51,000 in 5 years

Breakeven Point
Guarantee Year 17 Year 10 Year 17 Year 8 Year 10 Year 12
Expected Year 10 Year 8 Year 9 Year 8 Year 21 Year 10

Surrender Value
Year 10Guarantee Value HK$240,591(IRR : -2.73%) HK$302,255(IRR : 0.09%) HK$180,640(IRR : -6.20%) HK$340,696(IRR : 1.60%) HK$186,178(IRR : -5.69%) HK$277,500(IRR : -0.97%)
Year 10Expected Value HK$305,986(IRR : 0.25%) HK$347,177(IRR : 1.84%) HK$324,418(IRR : 0.97%) HK$340,696(IRR : 1.60%) HK$304,699(IRR : 0.34%) HK$304,825(IRR : 0.20%)
Age 60Guarantee Value HK$353,987(IRR : 0.83%) HK$329,649(IRR : 0.47%) HK$321,134(IRR : 0.34%) HK$491,868(IRR : 2.50%) HK$315,744(IRR : 0.31%) HK$399,547(IRR : 1.44%)
Age 60Expected Value HK$643,172(IRR : 3.88%) HK$597,676(IRR : 3.50%) HK$583,261(IRR : 3.37%) HK$491,868(IRR : 2.50%) HK$542,365(IRR : 3.06%) HK$509,056(IRR : 2.68%)

Annuity Income
Annunity Period Age 60 - Age 80 Age 60 - Age 108 Age 58 - Age 88 Age 60 - Age 70 Age 63 - Age 83 Age 58 - Age 78
Annual Guarantee Income HK$28,439 HK$22,272 HK$20,966 HK$55,450 HK$27,144 HK$28,152
Annual Expected Income HK$56,878 HK$31,957 HK$41,917 HK$55,450 HK$47,120 HK$52,992
Total Income HK$1,137,536(Til Age 80) HK$1,578,498(Til Age 108) HK$1,257,516(Til Age 88) HK$658,421(Til Age 70) HK$1,038,016(Til Age 83) HK$1,059,840(Til Age 78)

Investment Strategy
Bonds / Fixed Income 80% - 100% 50% - 90% 55% - 80% 100% 70% 80% - 100%
Equity 0% - 20% 10% - 50% 20% - 45% 0% 30% 0% - 20%

想預約專家了解更多?

想預約保險專家 - DarkMoney服務流程
The date of last update:20/02/2020
The above information is for reference only. Please study the product brochure if you want to know in details.
The currency of QDAP is USD. We assume the exchange rate is 1 USD to 7.8 HKD.

免責聲明:

本網站所提供的資料只供參考之用。雖然DarkMoney已盡力確保資料準確無誤,但DarkMoney不會就提供的資料的準確性作出任何明示或隱含的保證 ,讀者不應視以上資料為要約。

本專頁一切言論不代表任何保險公司,並不構成任何要約,招攬,邀請,誘使或任何建議及推薦。讀者請獨立思考及自行作出決定,如因相關言論或文章招致任何損失,概與本網頁「DarkMoney 黑識理財」無關。

其他網站或許與本網站有所連結,又或本網站亦為第三者網站提供連結。DarkMoney對這些網站的內容概不負責。本網站或會載有其他方面提供的資料,DarkMoney並沒有批准或批署這些資料的準確性。

如因與本網站有關的合約、侵權或任何因由而引致任何損失或損害,DarkMoney不會承認任何責任及法律責任。DarkMoney有絕對酌情權隨時刪除、暫時停載或編輯本網站的各項資料而無須給予任何理由。用戶須負責自行評估本網站包含或與之有關的所有資料,在依賴這些資料前應先核實資料的真確性或徵詢獨立意見。

文章標題
【Hong Kong Tax Saving News for Expats】Last chance to save HK$10,200 for 2019/2020
文章標題
【Hong Kong Tax Saving News for Expats】Last chance to save HK$10,200 for 2019/2020
介紹
Starting from April 2019, QDAP (Qualifying Deferred Annuity Policies) could help taxpayers to tax deductions with the cap HK$60,000 per assessment year. Counting with the highest tax rate 17%, you can save HK$10,200 every year at most!
作者
作者
黑識理財
作者logo

用家體驗

簡單成為專家

理財知識其實很簡單,最值得信賴的,不是其他人,而是你自己!
DarkMoney為你搜羅最新理財資訊,整理出簡單又易學的理財攻略!

最新資訊

保險知識

關於黑識理財DarkMoney

 

 

DarkMoney黑識理財 一個為你拆解陷阱嘅保險平台

 

DarkMoney由2016年成立,致力為大眾揭露保險業嘅銷售陷阱

直至今年,我哋更以「揭密真相」為我哋嘅願景,
希望令到平凡人唔會被表面資訊蒙蔽,由自己做最正確嘅決定!


呢家我地更設有「D.M.保單組合」及「E+保險比較」功能,

令大眾能夠自己挑選到適合的理財工具。

真正值得信賴嘅,始終係客觀嘅數據同最熟悉自己嘅你!

×