保险金字塔

保险三重功用：保障，保证，保全

第一重：保障的是现有的生活

保全的是责任，这是风险管理

第二重：保证未来的幸福

保证的是未来，这是风险投资规划

第三重：保全已经创造的财富

保全的是成就，这是资产配置

 

当物质生活水平不断走高，人们的幸福感却没增加，反而越来越低。我们必须面对失业问题，养老问题，医疗问题，子女上学问题，还要面临交通意外，生活食品安全的隐患，环境污染和新食物链中致癌物质的侵害，以及社会持续通货膨胀所需的理财规划等等。

 

面对生老病死，无人可以回避，人们之所以表现出前所未有的忧虑，就在于对未来人生不测的担忧和恐慌。这些担忧无法为其他商品代替，可以人寿保险的十大黄金价值所解决:

1。爱有所继；2。亲有所奉；3。病有所医；4。壮有所倚；5。残有所仗；
6。钱有所积；7。幼有所护；8。老有所养；9。产有所保；10。财有所承 

我把以上的资料整理然后再把它编成了解图，以方便大家容易的参考：

 

 

click to enlarge the pic

希望这个解图可以让大家更容易的明白人寿保险的功能和价值

Sincerely, 

Tan Min Chin, CH3

Cost of Delay - Senario 3

Assumption:

1. Both Prospect A and B are age 30, they want to save for their retirement by the age of 55.

2. Prospect A saves 25 years with payment amount of RM6,000 with 8% interest.

3. Prospect B delays his saving 5 years later. He pays continuously until the age of 55 with the same payment amount and interest as Prospect A.

 

Conclusion:

1. Prospect A gets RM473,726.48 by the age of 55 with an amount of RM150,000 invested.

 

2. Prospect B is Postponing 5 years and he would get RM296.537.53 by the age of 55 with an amount of RM120,000 invested.

 

3. Although Propect B pay RM30,000 lesser than Prospect A, but Prospect A earn RM177, 188.95 more than Prospect B.  

 

Click to enlarge the picture

                                                           Click to enlarge the picture

The sooner you start, the MORE you get ;)

Sincerely,

Tan Min Chin, CH3