几种退休保障工具(一)

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RRSP季节来临了。下面介绍几中退休保障工具供大家参考。

今天先介绍第一种:Manulfie RetirementPlus

Manulife RetirementPlus

The first retirement management solution of its kind, Manulife RetirementPlus is an innovative, flexible savings and income product that can support you through the key phases of preparing for retirement – from saving to enjoying income. Manulife RetirementPlus can help you accelerate your savings and catch up financially with your retirement goals.
Manulife RetirementPlus also adapts to changing market conditions and allows you to take advantage of potentially rising interest rates1. Manulife RetirementPlus can also adapt to your unique retirement needs and provide future guaranteed lifetime income when you choose.

How it works
Manulife RetirementPlus is a flexible investment solution comprised of three phases all within one investment. Each phase is important in preparing you for retirement:
Savings Phase

  • A broad selection of industry-leading investment funds, with up to 100 per cent equity, is available to provide growth potential
  • You can benefit from rising interest rates, which can improve the value of Income Credits2
  • Income Credits are accumulated monthly and help provide higher future guaranteed income if you choose to Transition

Benefits of Income Credits:

  • Income Credits can help grow future guaranteed income beyond what’s possible through market participation alone
  • You have the ability to catch up financially towards your retirement goals

Preservation Phase

  • You can choose to Transition all or part of your market value and proportional Accumulated Income Credits into this phase to preserve Transition Income Rates (Income Rates) and guarantee a future income level
  • With each Transition, a set of Income Rates is secured and these do not change for the remainder of the contract
  • If Transitioning, savings can be moved to Preservation all at once or over time
  • Income deferral during Preservation can increase the value of future guaranteed income

Benefits:

  • You have the ability to capture potentially rising Income Rates
  • Not all assets need to be Transitioned into this phase at once, offering the flexibility to continue saving and earning Income Credits in the Savings Phase

Income Phase

  • A predictable, guaranteed lifetime income stream begins when you enter this phase by Electing Income (starting as early as age 50)
  • Income is based on the Income Rates secured in the Preservation Phase with each Transition

Benefits:

  • You have the flexibility to continue saving and earning Income Credits in the Savings Phase, even after starting to take income
  • The above capability aligns with the need for only partial income – assets left in the Savings Phase can be Transitioned into the Income Phase later, when and if more income is needed

Income Credits are not cash deposits, they increase the basis for calculating future guaranteed income. The Income Credit Rate is subject to change. Income Rates used to determine future guaranteed income are subject to change daily. Interest rates are one of a number of factors in determining Income Rates. An interest rate movement may not mean that Income Rates will move at the same time or by the same amount. For the current Income Credit Rate and Income Rates, please visit the Rates tab link. Exceeding the withdrawal thresholds of the Manulife RetirementPlus insurance contract may have a negative impact on future income payments. Age restrictions and other conditions may apply.
1 Interest rates are one of a number of factors in determining Transition Income Rates.
2 Income Credits are not cash deposits, they increase the basis for calculating future guaranteed income.

RetirementPlus是一种Manulife 刚推出几年的一种比较新的退休保障工具,它是一款适合离退休时间较长(大于五年)并且能够承受一定市场波动风险的投资者。RetirementPlus的目标客户群在于:

  • 离退休时间五年以上;
  • 能够承受一定的市场风险来换取更大的投资回报;
  • 投资目标为终身保证的退休金(如RRSP、LIRA、LRSP、RLSP等);
  • 希望保持资金的灵活性,需要时可以随时支取;

RetirementPlus将整个投资过程分成三个阶段: 积蓄阶段 (Saving phase)、保存阶段(Preservation phase)和收入阶段(Income phase)。

  1. 积蓄阶段

在积蓄阶段,投资者可以根据自己的风险承受力及投资目标,将资金投入某个保本基金或是基金组合中,基金的价值随着市场而波动。Manulife提供了40多只保本基金供投资者选择,这些基金涵盖了从保守到激进的各个基金类别,包括债券型基金、平衡基金、股票型基金、环球基金及板块基金等等,其中一些基金在业界长期表现突出,如:Fidelity Monthly Income、 CI Cambridge Canadian Asset Allocation、Dynamic Strategic Yield等,过去五年高的平均回报率每年可达8%以上。
除了基金本身的投资收益(也有可能亏损)之外,Manulife承诺每个月根据基金月末的市值,给投资者账户计入一笔Income credit。这个Income credit 的比率相当于加拿大政府10年期债券的收益率再加上0.5%,即:假如加拿大政府10年期国债收益率为3%,那么Income credit的比率就是3.5%。不过,这个Income credit不能作为现金提取,只能用于增加退休后提取终身退休金的基础。举个简单化的例子,投资者投了$100,000在RetirementPlus基金组合中,当年的回报率是5%,那么投资者的投资市值就是$105,000; 如果当年加拿大政府10年期债券的收益率是3%,那么宏利金融会给投资者3.5%的Income credit。这样投资者账户中退休取款的基础就变成了$108,675。不过,因为Income credit不能作为现金提取,必须等到投资者退休后打算领取终身退休金时才有作用,所以,如果投资者想提前一次性将这笔投资变现提取出来,只能提取基金的市场价值 $105,000。

  1. 保存阶段:

如果投资者已经接近退休年龄了,但是还没有决定具体什么时候开始取钱,而又担心市场会往下走,影响取款基础。这时候,投资者可以把账户转入保存阶段,锁定今后的终身退休金。在保存阶段,Manulife将投资者的所有投资转入指定的保守型基金中,Income credit停付。此时的市值加上所有拿到的Income credit 就等于今后终身收入的计算基础。同时,投资者今后领取终身退休金的比例在此时也确定了。投资者不需要一次将所有的投资都转入保存阶段,可以选择转入部分的市场价值和同样比例的Income credit。当然,有一定投资管理经验的投资者或者有一个有经验的投资顾问帮忙管理,也不一定非要把账户转入保存状态。

  1. 收入阶段:

投资者最早从50岁开始,就可以选择每年提取终身保证的退休金,进入收入阶段。投资者选择开始领取终身退休金的年份越晚,今后每年可以领到的退休金的比例会越高。这个比例不是在投资者购买这个产品时决定的,而是在投资者转入保存阶段的时候根据当时Manulife的规定来决定的。
RetirementPlus可以规避寿命长于预期的风险;当投资人离世时, 没有用完的钱都可以按基金市场价值转给受益人;如果投资在RRSP里,投资者可以按政府规定的RRIF最低取款额来领取退休金。
RetirementPlus的主要优点是:基金的选择面更广,风险偏好程度不同的客户都能在其中找到自己所喜爱的基金或基金组合;而且,Income credit在市场价值的基础上,直接增加今后的取款基础。如果投资成功,今后的退休金会更高。
RetirementPlus的主要缺点是:有亏损的风险。在市场状态不好或投资者所选择的基金与市场状态不吻合的情况下,即使加上了Income credit,回报率还有可能是负值,而且RetirementPlus保本基金的死亡保本只有75%。
当然,世界上没有完美的产品,适合才是硬道理,投资者要根据自己的风险承受能力和自己的投资目标来决定投资方向。
宏利金融官方网站上有关这个产品的小册子:
https://repsourcepublic.manulife.com/wps/wcm/connect/63192680417440a395159f48ff809c90/inv_retireplus_mk2787clientbro.pdf?MOD=AJPERES&CACHEID=63192680417440a395159f48ff809c90
退休费用计算器:
http://events.snwebcastcenter.com/manulife/Investments/MPB/Manulife_ca/RetirementExpenseWorksheet.swf

本文仅作为信息参考,不作为产品推荐或推销之目的。若您有RRSP方面的问题或投资理财方面的困扰,请与本人直接联系面谈,以便我为您提供适合您个人的建议。

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