{"id":2889,"date":"2018-10-04T20:38:57","date_gmt":"2018-10-04T12:38:57","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=2889"},"modified":"2018-12-08T15:20:35","modified_gmt":"2018-12-08T07:20:35","slug":"%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a13-%e6%94%bf%e5%ba%9c%e5%b9%b4%e9%87%91vs%e9%8a%80%e8%a1%8c%e4%bf%9d%e9%9a%aa%e5%85%ac%e5%8f%b8%e5%b9%b4%e9%87%91","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2018\/10\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a13-%e6%94%bf%e5%ba%9c%e5%b9%b4%e9%87%91vs%e9%8a%80%e8%a1%8c%e4%bf%9d%e9%9a%aa%e5%85%ac%e5%8f%b8%e5%b9%b4%e9%87%91\/","title":{"rendered":"\u9000\u4f11\u7406\u8ca1#3 &#8211; \u653f\u5e9c\u5e74\u91d1vs\u9280\u884c\u4fdd\u96aa\u516c\u53f8\u5e74\u91d1"},"content":{"rendered":"<h2><span style=\"color: #04b2f2;\"><strong><span style=\"font-size: 14pt;\">\u9000\u4f11\u7406\u8ca1#3 &#8211; \u653f\u5e9c\u5e74\u91d1vs\u9280\u884c\u4fdd\u96aa\u516c\u53f8\u5e74\u91d1<\/span><\/strong><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.mpfdiy.com\/2018\/09\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a12-%e9%80%80%e4%bc%91%e5%80%bc%e5%b9%be%e9%8c%a2\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-size: 14pt;\">\u63a5\u4e0a\u6587<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5e74\u91d1\u516c\u53f8\u63a8\u51fa\u4e86\u9996\u500b\u653f\u5e9c\u5e74\u91d1\uff0c\u4e4b\u524d\u9810\u671f\u9019\u9805\u9817\u597d\u7684\u9000\u4f11\u8ca1\u52d9\u5b89\u6392\uff0c\u6703\u8d85\u984d\u8a8d\u8cfc\uff08<a href=\"https:\/\/www.mpfdiy.com\/2017\/04\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a11-%e7%b5%82%e8%ba%ab%e5%b9%b4%e9%87%91%e8%a8%88%e5%8a%83\/\" target=\"_blank\" rel=\"noopener\">\u898b\u524d\u6587<\/a>\uff09\uff0c\u800c\u5e74\u91d1\u516c\u53f8\u4ea6\u653e\u98a8\u8aaa\u5982\u679c<a href=\"http:\/\/hd.stheadline.com\/news\/realtime\/hk\/1258554\/\" target=\"_blank\" rel=\"noopener\">\u8d85\u984d\u7684\u8a71\u6703\u52a0\u63a8<\/a>\uff0c\u8ab0\u4e0d\u77e5\u9999\u6e2f\u5e02\u6c11\u5c0d\u653f\u5e9c\u300c\u6709\u597d\u5622\u6703\u76ca\u4eba\u300d\u5fc3\u5b58\u61f7\u7591\uff0c\u52a0\u4e0a\u50b3\u5a92\u53ca\u5c08\u5bb6\u7684\u8ca0\u8a55\uff0c\u8207\u53ca\u5206\u92b7\u9280\u884c\u7684\u51b7\u5c0d\u5f85\uff08<a href=\"https:\/\/www.post852.com\/256756\/%E9%8A%80%E8%A1%8C%E5%8A%A9%E9%8A%B7%E5%94%AE%E5%85%AC%E5%85%B1%E5%B9%B4%E9%87%91%E5%A6%82%E5%81%9A%E7%BE%A9%E5%B7%A5%E3%80%80%E5%AD%B8%E8%80%85%E6%89%B9%E6%94%BF%E5%BA%9C%E7%AD%96%E7%95%A5%E6%9C%89\/\" target=\"_blank\" rel=\"noopener\" class=\"broken_link\">\u5187\u8089\u98df<\/a>\uff09\uff1f\u4ee4<\/span><span style=\"font-size: 14pt;\">\u9996\u500b\u653f\u5e9c\u5e74\u91d1\u53ea\u9304\u5f9750%\u8a8d\u8cfc\uff0c\u53ef\u7b97\u662f\u597d\u7522\u54c1\u3001\u58de\u92b7\u552e\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u9019\u4ea6\u53cd\u6620\u73fe\u6642\u9999\u6e2f\u96f6\u552e\u7684\u91d1\u878d\u8ca1\u52d9\u4fdd\u96aa\u7b49\u7522\u54c1\uff0c\u4ecd\u7136\u9700\u8981\u92b7\u552e\u4eba\u54e1\u63a8\u92b7\uff1b\u5426\u5247\u9999\u6e2f\u5e02\u6c11\u5927\u90e8\u4efd\u662f\u4e0d\u61c2<a href=\"http:\/\/liberalstudies.hk\/pdf\/20180712182311_180712_table_info_Annuity.pdf\" target=\"_blank\" rel=\"noopener\">\u81ea\u884c\u5c0b\u627e<\/a>\u3001\u81ea\u884c\u5206\u6790\u9019\u985e\u7522\u54c1\u3002\u5c0d\u6bd4\u96fb\u8166\u96fb\u8a71\u7f8e\u5bb9\u65c5\u904a\u98f2\u98df\u7b49\u7522\u54c1\uff0c\u91d1\u878d\u8ca1\u52d9\u4fdd\u96aa\u7522\u54c1\u597d\u50cf\u53ea\u662f\u884c\u9a19\u6216\u88ab\u9a19\u7684\u95dc\u4fc2\u3002\u9019\u7a2e<span style=\"color: #04b2f2;\">\u7f3a\u4e4f\u8ca1\u52d9\u81ea\u7406<\/span>\u7684\u72c0\u614b\uff0c\u5982\u679c\u518d\u52a0\u4e0a\u8caa\u5fc3\u53ca\u6e34\u60f3\u9322\u6435\u9322\u3001<a href=\"https:\/\/www.mpfdiy.com\/2017\/01\/%e8%b2%a1%e5%8b%99%e8%87%aa%e7%94%b1%e7%9a%84%e8%bf%b7%e6%80%9d\/\" target=\"_blank\" rel=\"noopener\">\u8ca1\u52d9\u81ea\u7531<\/a>\u7684\u8a71\uff0c\u4fbf\u662f\u502b\u6566\u91d1\u3001\u528f\u5ee0\u53ca\u6398\u7926\u7684\u6e90\u982d\uff0c\u4e0b\u5834\u4e00\u822c\u90fd\u662f\u6028\u5929\u5c24\u4eba\uff0c\u4e0d\u9762\u5c0d\u59cb\u4f5c\u4fd1\u8005\u7684\u81ea\u5df1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><span style=\"color: #04b2f2;\">\u5e74\u91d1\u4e0d\u662f\u4ee5\u9ad8\u6ce2\u5e45\u640f\u9ad8\u56de\u5831\u7684\u6295\u6a5f\uff0c\u800c\u662f\u4ee5\u4ed8\u51fa\u4fdd\u8cbb(\u653e\u68c4\u56de\u5831) \u800c\u63db\u53d6\u96f6\uff08\u4f4e\uff09\u6ce2\u5e45\u7684\u56de\u5831<\/span>\uff0c\u67d0\u7a0b\u5ea6\u4e0a\u6709\u9ede\u50cf\u5f37\u7a4d\u91d1\u7684\u4fdd\u8b49\u57fa\u91d1\uff0c\u653e\u68c4\u9ad8\u6ce2\u5e45\u9ad8\u56de\u5831\u4ee5\u63db\u53d6\u96f6\uff08\u4f4e\uff09\u6ce2\u5e45\u7684\u56de\u5831\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.mpfdiy.com\/2017\/04\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a11-%e7%b5%82%e8%ba%ab%e5%b9%b4%e9%87%91%e8%a8%88%e5%8a%83\/\" target=\"_blank\" rel=\"noopener\">\u4e0a\u6587<\/a>\u8a08\u7b97\u4e86\u653f\u5e9c\u5e74\u91d1\u7684IRR\uff0c\u672c\u6587\u9032\u4e00\u6b65\u641c\u96c6\u4e86\u5e02\u9762\u4e0a\u4e00\u4e9b\u9280\u884c\u53ca\u4fdd\u96aa\u516c\u53f8\u5e74\u91d1\u7522\u54c1\uff0c\u4ee5\u5b83\u5011\u5ba3\u50b3\u55ae\u5f35\u6240\u5217\u51fa\u7684\u4f8b\u5b50\uff0c\u8a08\u7b97\u5404\u5e74\u91d1\u7684IRR\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5927\u5bb6\u8981\u7559\u610f\uff0c\u5e74\u91d1\u7684\u597d\u58de\u6bd4\u8f03\uff0c\u9664\u4e86IRR\u4e4b\u5916\uff0c\u9084\u6709\u5f88\u591a\u5176\u4ed6\u8003\u616e\uff0c\u5305\u62ec\u6536\u606f\u671f\u524d\u96e2\u4e16\u5b89\u6392\u3001\u6536\u606f\u671f\u4e2d\u96e2\u4e16\u5b89\u6392\u3001\u9000\u4fdd\u5b89\u6392\u3001\u6536\u606f\u671f\u59cb\u672b\u65e5\u5b50\u53ca\u5e74\u671f\u9577\u77ed\u3001\u6709\u5426\u591a\u4eba\u540c\u884c\u3001\u6709\u5426\u9010\u5e74\u8abf\u6574\u6536\u606f\u3001\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\u6536\u606f\u7b49\u7b49\uff0c\u6bcf\u9593\u516c\u53f8\u7684\u5e74\u91d1\u5167\u5bb9\u53c8\u53ef\u500b\u4eba\u559c\u597d\u800c\u81ea\u884c\u8abf\u6574\uff0c\u5206\u6790\u6bd4\u8f03\u6642\u5b9c\u7528\u4e00\u5169\u500b\u81ea\u8eab\u72c0\u6cc1\u8a2d\u5b9a\uff08\u4f8b\u5982\u9810\u671f85\u6b72\u58fd\u547d\u3001\u6536\u606f\u5230\u7d42\u8001\uff09\uff0c\u53bb\u5283\u4e00\u6bd4\u8f03\u8003\u616e\uff1b\u4e0d\u8981\u5c31\u7740\u67d0\u4e00\u5e74\u91d1\u8a08\u5283\u7684\u7279\u5225offer\u800c\u6539\u8b8a\u81ea\u8eab\u72c0\u6cc1\u8a2d\u5b9a\uff0c<strong><span style=\"color: #04b2f2;\">\u5e74\u91d1\u662f\u5e6b\u65e5\u5f8c\u7684\u81ea\u5df1\u8cb7\uff0c\u4e0d\u662f\u5e6b\u773c\u524d\u7684agent\u8cb7\u3002<\/span><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5404\u5e74\u91d1\u4f8b\u5b50\u6bd4\u8f03\uff1a<\/span><\/p>\n<table border=\"1\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\" width=\"142\"><strong><span style=\"font-size: 14pt;\">\u5e74\u91d1\u8a08\u5283<\/span><\/strong><\/td>\n<td style=\"text-align: center;\" width=\"105\"><strong><span style=\"font-size: 14pt;\">\u4ed8\u51fa\u4fdd\u8cbb\u671f<\/span><\/strong><\/td>\n<td style=\"text-align: center;\" width=\"96\"><strong><span style=\"font-size: 14pt;\">\u6536\u5165\u671f<\/span><\/strong><\/td>\n<td style=\"text-align: center;\" width=\"225\"><strong><span style=\"font-size: 14pt;\">IRR(\u6309\u5ba3\u50b3\u55ae\u5f35\u4f8b\u5b50\u8a08\u7b97)<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"142\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.hkmca.hk\/files\/hkmcap_small_banner\/1\/HKMC_Annuity_Plan_Product_Brochure_Chi_Final.pdf\">\u5e74\u91d1\u516c\u53f8<\/a><\/span><\/td>\n<td style=\"text-align: center;\" width=\"105\"><span style=\"font-size: 14pt;\">65\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"96\"><span style=\"font-size: 14pt;\">66\u81f385\u6b72<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uff08\u7d42\u8eab\uff09<\/span><\/td>\n<td width=\"225\"><span style=\"font-size: 14pt;\"><span style=\"color: #04b2f2;\">3.4%<\/span>\uff08\u4fdd\u8b49\uff09<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"142\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/corp.massmutualasia.com\/tc\/Retire\/Annuities\/Hong-Kong\/~\/media\/Images\/Insure\/2018Q3\/MIA\/MassMutualBrochureMIAFINAL3with%20pw.ashx\" class=\"broken_link\">\u842c\u901a\u5373\u4eab\u5e74\u91d1<\/a><\/span><\/td>\n<td style=\"text-align: center;\" width=\"105\"><span style=\"font-size: 14pt;\">65\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"96\"><span style=\"font-size: 14pt;\">66\u81f385\u6b72<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uff08\u7d42\u8eab\uff09<\/span><\/td>\n<td width=\"225\"><span style=\"font-size: 14pt;\">1.8%\uff08\u4fdd\u8b49\uff09<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"142\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/cdn.sunlife.com\/static\/hk\/Insurance\/Savings%20&amp;%20Life\/FlexiRetire%20Annuity%20Plan\/FlexiRetire_Annuity_Plan_Brochure_TC.pdf\" class=\"broken_link\">\u6c38\u660e\u5b89\u9038\u81ea\u4e3b\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<td style=\"text-align: center;\" width=\"105\"><span style=\"font-size: 14pt;\">40\u81f349\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"96\"><span style=\"font-size: 14pt;\">65\u81f384\u6b72<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uff08\u81f3100\u6b72\uff09<\/span><\/td>\n<td width=\"225\"><span style=\"font-size: 14pt;\">1.1%\uff08\u4fdd\u8b49\uff09<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">2.6%\uff08\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\uff09<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"142\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/cdn.sunlife.com\/static\/hk\/Insurance\/Savings%20&amp;%20Life\/FlexiRetire%20Annuity%20Plan\/FlexiRetire_Annuity_Plan_Brochure_TC.pdf\" class=\"broken_link\">\u6c38\u660e\u5b89\u9038\u81ea\u4e3b\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<td style=\"text-align: center;\" width=\"105\"><span style=\"font-size: 14pt;\">38\u81f342\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"96\"><span style=\"font-size: 14pt;\">55\u81f374\u6b72<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uff0820\u5e74\uff09<\/span><\/td>\n<td width=\"225\"><span style=\"font-size: 14pt;\">2.0%\uff08\u4fdd\u8b49\uff09<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">3.3%\uff08\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\uff09<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"142\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.hsbc.com.hk\/pws\/Components\/personal\/assets\/pdf\/insurance\/ut_eiap_cn.pdf\">\u6ed9\u8c50\u76c8\u9054\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<td style=\"text-align: center;\" width=\"105\"><span style=\"font-size: 14pt;\">62\u81f364\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"96\"><span style=\"font-size: 14pt;\">65\u81f384\u6b72<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uff0820\u5e74\uff09<\/span><\/td>\n<td width=\"225\"><span style=\"font-size: 14pt;\">1.1%\uff08\u57fa\u672c+\u984d\u5916\uff09<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">2.3%\uff08\u57fa\u672c+\u984d\u5916\u53ca\u975e\u4fdd\u8b49\uff09<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"142\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.fwd.com.hk\/partnerc\/~resources\/files\/product\/case\/05-Journey-Annuity-Plan.pdf\" class=\"broken_link\">\u5bcc\u885b\u5e74\u6708\u9038\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<td style=\"text-align: center;\" width=\"105\"><span style=\"font-size: 14pt;\">65\u81f366\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"96\"><span style=\"font-size: 14pt;\">71\u81f386\u6b72<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uff0816\u5e74\uff09<\/span><\/td>\n<td width=\"225\"><span style=\"font-size: 14pt;\">0.7%\uff08\u4fdd\u8b49\uff09<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">2.9%\uff08\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\uff09<\/span><\/td>\n<\/tr>\n<tr>\n<td width=\"142\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.manulife.com.hk\/wps\/wcm\/connect\/pws\/7b10ddc1-e466-4975-8424-ab4ad8f35f9d\/manujoy-leaflet.pdf?MOD=AJPERES\" class=\"broken_link\">\u5b8f\u5229\u5b8f\u6085\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<td style=\"text-align: center;\" width=\"105\"><span style=\"font-size: 14pt;\">45\u81f346\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"96\"><span style=\"font-size: 14pt;\">46\u81f384\u6b72<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uff08\u4fdd\u55ae\u5468\u5e74\u81f385\u6b72\uff09<\/span><\/td>\n<td width=\"225\"><span style=\"font-size: 14pt;\">1.3%\uff08\u4fdd\u8b49\uff09<\/span><\/p>\n<p>&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"142\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.prudential.com.hk\/scws\/pages\/tc\/products\/individual-life-insurance\/retirement-insurance\/PRUretirement-early-income-plan\/index.html\" target=\"_blank\" rel=\"noopener\">\u4fdd\u8aa0\u300c\u5beb\u610f\u4eba\u751f\u300d\u5165\u606f\u8a08\u5283<\/a><\/span><\/td>\n<td style=\"text-align: center;\" width=\"105\"><span style=\"font-size: 14pt;\">60\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"96\"><span style=\"font-size: 14pt;\">65\u81f384\u6b72\uff0820\u5e74\uff09<\/span><\/td>\n<td width=\"225\"><span style=\"font-size: 14pt;\">0.6%\uff08\u4fdd\u8b49\uff09<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">2.8%\uff08\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\uff09<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u6309\u4e0a\u8868\uff0c\u53ef\u898b\u8981\u8207\u5e74\u91d1\u516c\u53f8\u7af6\u722dIRR\uff0c\u672a\u6709\u4e00\u9593\u9280\u884c\u6216\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u91d1\u8a08\u5283\u53ef\u4ee5\u505a\u5230\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5e74\u91d1\u516c\u53f8\u7d66\u4e8865\u6b72\u6295\u4fdd\u7537\u58eb\u7684IRR\u898b\u4e0b\uff1a<\/span><\/p>\n<p>&nbsp;<\/p>\n<table border=\"1\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\" width=\"107\"><span style=\"font-size: 14pt;\">\u7ec8\u5e74<\/span><\/td>\n<td style=\"text-align: center;\" width=\"115\"><span style=\"font-size: 14pt;\">85\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"115\"><span style=\"font-size: 14pt;\">90\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"115\"><span style=\"font-size: 14pt;\">95\u6b72<\/span><\/td>\n<td style=\"text-align: center;\" width=\"115\"><span style=\"font-size: 14pt;\">100\u6b72<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\" width=\"107\"><span style=\"font-size: 14pt;\">IRR<\/span><\/td>\n<td style=\"text-align: center;\" width=\"115\"><span style=\"font-size: 14pt;\">3.4%<\/span><\/td>\n<td style=\"text-align: center;\" width=\"115\"><span style=\"font-size: 14pt;\">4.8%<\/span><\/td>\n<td style=\"text-align: center;\" width=\"115\"><span style=\"font-size: 14pt;\">5.6%<\/span><\/td>\n<td style=\"text-align: center;\" width=\"115\"><span style=\"font-size: 14pt;\">6.1%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u6309\u4e0a\u8868\uff0c\u67d0\u4e9b\u5f37\u7a4d\u91d1<a href=\"https:\/\/www.mpfdiy.com\/2018\/02\/%e7%a9%8d%e9%87%91%e6%96%b0%e8%81%9e25-%e4%b8%ad%e4%ba%ba%e5%a3%bd%e5%bc%b7%e7%a9%8d%e9%87%91%e4%b8%8b%e8%aa%bf%e4%bf%9d%e8%ad%89%e5%9b%9e%e5%a0%b1%e7%8e%87\/\" target=\"_blank\" rel=\"noopener\">\u4fdd\u8b49\u57fa\u91d1<\/a>\u90fd\u597d\u904e\u5927\u90e8\u4efd\u9280\u884c\u6216\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u91d1\u8a08\u5283\u5167\u7684\u4fdd\u8b49\u56de\u5831\uff0c\u751a\u81f3\u4e4e\u5982\u679c\u5728\u58fd\u547d85\u6b72\u4ee5\u4e0b\uff0c\u53ef\u80fd\u5f37\u7a4d\u91d1<a href=\"https:\/\/www.mpfdiy.com\/2018\/02\/%e7%a9%8d%e9%87%91%e6%96%b0%e8%81%9e25-%e4%b8%ad%e4%ba%ba%e5%a3%bd%e5%bc%b7%e7%a9%8d%e9%87%91%e4%b8%8b%e8%aa%bf%e4%bf%9d%e8%ad%89%e5%9b%9e%e5%a0%b1%e7%8e%87\/\" target=\"_blank\" rel=\"noopener\">\u4fdd\u8b49\u57fa\u91d1<\/a>\u90fd\u6bd4\u5f97\u4e0a\u5e74\u91d1\u516c\u53f8\u7684\u4fdd\u8b49\u56de\u5831\u3002\u6240\u4ee5\uff0c\u9000\u4f11\u7406\u8ca1\u662f\u53ef\u4ee5\u6df7\u5408\u5e74\u91d1\u53ca\u5f37\u7a4d\u91d1\u4e00\u8d77\u4f7f\u7528\uff0c\u9577\u77ed\u4e92\u88dc\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u53c3\u8003\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c118\u9801\uff0c\u9000\u4f11\u5f8c\u8cc7\u7522\u7684\u6ce2\u5e45\u70ba2%\uff0c\u56de\u5831\u70ba4%\uff1b\u653f\u5e9c\u5e74\u91d1\u76840%\u6ce2\u5e45\u53ca3.4%\u56de\u5831\uff0c\u80af\u5b9a\u662f\u9000\u4f11\u5f8c\u8cc7\u7522\u7684\u4e00\u5927\u652f\u67f1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u6709\uff08\u5e74\u3001\u5f37\u7a4d\uff09\u91d1\u90fd\u5514\u8b58\u57f7\uff0c\u602a\u4e0d\u5f97\u8fd1\u5341\u5e74\u9999\u6e2f\u4eba\u88ab\u9031\u906d\u8996\u70ba\u6e2f\u71e6\u3002<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.mpfdiy.com\/2018\/10\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a14-%e9%80%86%e6%8c%89%e6%8f%ad%e7%9a%84%e6%9c%80%e4%bd%b3%e7%94%a8%e6%b3%95\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-size: 14pt;\">\u4e0b\u6587\u7e8c<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\u5ef6\u4f38\u8996\u983b\uff1a<\/span><\/p>\n<p>&nbsp;<\/p>\n<div class=\"jetpack-video-wrapper\"><iframe loading=\"lazy\" title=\"\u3010iM\u6559\u5ba4\u3011\u8cc7\u6df1\u4fdd\u96aa\u4eba\u6559\u8def \u614e\u9078\u5e74\u91d1\u6709\u8fa6\u6cd5\" width=\"720\" height=\"405\" src=\"https:\/\/www.youtube.com\/embed\/9KYO5O6uVeA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<table style=\"width: 366px;\">\n<tbody>\n<tr>\n<td style=\"text-align: center; width: 356px;\">\n<p style=\"text-align: left;\"><strong><span style=\"font-size: 14pt;\">\u5e74\u91d1\u8a08\u5283<\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 356px;\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.hkmca.hk\/files\/hkmcap_small_banner\/1\/HKMC_Annuity_Plan_Product_Brochure_Chi_Final.pdf\">\u5e74\u91d1\u516c\u53f8<\/a><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 356px;\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/corp.massmutualasia.com\/tc\/Retire\/Annuities\/Hong-Kong\/~\/media\/Images\/Insure\/2018Q3\/MIA\/MassMutualBrochureMIAFINAL3with%20pw.ashx\" class=\"broken_link\">\u842c\u901a\u5373\u4eab\u5e74\u91d1<\/a><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 356px;\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/cdn.sunlife.com\/static\/hk\/Insurance\/Savings%20&amp;%20Life\/FlexiRetire%20Annuity%20Plan\/FlexiRetire_Annuity_Plan_Brochure_TC.pdf\" class=\"broken_link\">\u6c38\u660e\u5b89\u9038\u81ea\u4e3b\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 356px;\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.prudential.com.hk\/scws\/pages\/download\/download-center\/tc\/3-Product-Brochures-Individual-Life-Insurance\/3-03-Retirement-Insurance\/PRUretirement-early-income-plan\/PRI_PB_TC_Aug18.pdf\">\u4fdd\u8aa0\u300c\u5beb\u610f\u4eba\u751f\u300d\u5165\u606f\u8a08\u5283<\/a><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 356px;\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.hsbc.com.hk\/pws\/Components\/personal\/assets\/pdf\/insurance\/ut_eiap_cn.pdf\">\u6ed9\u8c50\u76c8\u9054\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 356px;\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.fwd.com.hk\/partnerc\/~resources\/files\/product\/case\/05-Journey-Annuity-Plan.pdf\" class=\"broken_link\">\u5bcc\u885b\u5e74\u6708\u9038\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 356px;\"><span style=\"font-size: 14pt;\"><a href=\"https:\/\/www.manulife.com.hk\/wps\/wcm\/connect\/pws\/7b10ddc1-e466-4975-8424-ab4ad8f35f9d\/manujoy-leaflet.pdf?MOD=AJPERES\" class=\"broken_link\">\u5b8f\u5229\u5b8f\u6085\u5e74\u91d1\u8a08\u5283<\/a><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 8pt;\"><em>Image from MyInsuranceClub<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u9000\u4f11\u7406\u8ca1#3 &#8211; \u653f\u5e9c\u5e74\u91d1vs\u9280\u884c\u4fdd\u96aa\u516c\u53f8\u5e74\u91d1 &nbsp; \u63a5\u4e0a\u6587 &nbsp; \u5e74\u91d1\u516c\u53f8\u63a8\u51fa\u4e86&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2890,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[69],"tags":[22,7,23,50],"class_list":["post-2889","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-69","tag-22","tag-7","tag-23","tag-50"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.mpfdiy.com\/wp-content\/uploads\/2018\/09\/annuity.png?fit=769%2C432&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7Tc20-KB","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/2889","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/comments?post=2889"}],"version-history":[{"count":5,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/2889\/revisions"}],"predecessor-version":[{"id":3321,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/posts\/2889\/revisions\/3321"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media\/2890"}],"wp:attachment":[{"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/media?parent=2889"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/categories?post=2889"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpfdiy.com\/wp-json\/wp\/v2\/tags?post=2889"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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