PDF《| 退休 Retire |》

《彭博商业周刊》 金融机构大\2018 年金计划 - 卓越大\ 《iMoney 智富杂志》 优秀保险企业大奖2018 最佳年金产品 | 退休 Retire | 万通终身年金 MY Lifetime Annuity MLA

1 现金 Cash 现金 Cash 优化资产配置 C 随年纪不断增加 「定息投资」 的比例 Optimize asset allocation C Rebalance portfolio with increased proportion of Fixed Income Investment as you age 要实现丰盛的退休生活,除进行策略性的投资外,更必须妥善 管理风险.

万通终身年金助你优化资产配置,更是分散风险 使财富稳定增长的理想工具,让你退休后仍继续月月有粮出, 实现丰盛退休生活. When making investments, proper risk management is key to an enjoyable retirement. MY Lifetime Annuity is the solution for optimizing asset allocation, diversifying risk and accumulating wealth. Best of all, it provides guaranteed annuity income for life. 稳定性 Stability 流动性 Liquidity 增长潜力 Growth Potential 定息投资 Fixed Income Investment 股票投资 Securities Investment 另类投资 Alternative Investments 定息投资 Fixed Income Investment 股票投资 Securities Investment 另类投资 Alternative Investments 理想的年金计划应具4大特点 Four major features of an ideal annuity plan 稳定增长 Stable Growth 终身派发 Lifetime Payouts 额外保障 Additional Protections 传承后代 Estate Planning 是优化资产配置的理想工具 is an ideal tool for portfolio rebalancing 「年金」 Annuity 年轻时 At Younger Age 退休时 Retirement

2 稳定的财富增长 Stable wealth accumulation 每月派息并以复式计算,带来稳定而 丰厚的回报 Interest credited monthly at a compound rate 3%长线利率保证 3% long-term guaranteed interest rate 终身保证,长 「{」 长有 Guaranteed annuity income for life

1 2 11款年金权益选择

11 Annuity Options 可享危疾双倍年金 Critical illness double annuity 可夫妇共享 Joint annuitant for couples 125%现金价值回奉保证 125% guaranteed refund of Cash Value

3 可选择将全部/部分现金价值传承给子女, 子再传孙,代代相传 Pass on all or part of the Cash Value to your descendants 免却高昂信托费 Avoid costly trustee fees 子女亦可享终身年金 Lifetime annuity income for your next generations 传承最爱 Guarantee your Most Loved Ones can Inherit your Wealth

4 灵活套现 Greater liquidity 定期提款权益 Automatic periodic withdrawal option 灵活增加保费 Flexible increase in premium 身故保障提供回本保证 Death Benefit C Guaranteeing Refund of Capital 末期病症保障 Terminal Illness Benefit 免费 「豁免保费意外保障」 Free Accident Waiver of Premium Benefit 最具自主弹性 The Most Flexible 最安心保障 The Most Worry-free Protections 最多选择 The Most Comprehensive Options 最长保终身 The Most Sustainable 最稳定增长 The Most Stable

5 6 万通终身年金 MY Lifetime Annuity 挑选一个合适的年金计划,最重要是…… The most important features for your ideal annuity plan are…

3 优化整个投资组合的配置、平衡投资风险, 以提升组合回报的稳定性 於计划的累积期内,利息以复式计算,藉著 「雪球效应」 ,让账户价值享有递增的力量 计划更提供保证特别回报1 、额外回报及长线 利息保证2 稳定财富增长 Stable Wealth Accumulation

1 Optimize asset allocation and diversify investment risk for stable portfolio returns During the accumulation period, interest is credited at a compound rate, so that you can enjoy the power of the snowball effect to compound your wealth in Account Value over time The plan also offers Guaranteed Special Bonus1 , Extra Bonus and long-term guaranteed interest2 曹星如 Rex Tso 万通终身年金客户 MY Lifetime Annuity Policy Owner 计划为市场上少有的 「真年金」 ,保证终身 派发 受保人可自行决定何时开始收取每月年金收 入3 ,无须预先设定,最是灵活自在 於年金期内,即使受保人100岁或更长寿,仍 可无限期收取年金,一世 「有粮出」 直至百年 归老,有助对冲长寿带来的财务风险 终身保证 长 「{」 长有 Guaranteed Lifetime Annuity Income