美联储降息潮来袭!高净值人群香港保险配置黄金窗口期1️⃣ 降息红利:股债双赢的投资逻辑美联储正式开启降息周期,对香港储蓄险而言,这意味着什么?债券端:降息推高现有高息债券市场价值,保险公司持有的美国国债和优质企业债券将显著增值,直接提升资金池回报率。股票端:利率下降降低企业融资成本,刺激全球股市上涨动能,特别是与美股关联的资产将受益明显。这种股债结合的配置模式,在降息初期通常能推动储蓄险分红实现率提升,让高净值投资者享受超基准年化回报。2️⃣ 投保成本变化:优惠窗口即将关闭降息带来的"利率传导效... more
香港保险收益为何碾压内地?三大核心差异深度解析对于大部分投资者而言,香港保险动辄5%以上的收益率确实极具吸引力,而内地分红险仅有3%出头。这2+个百分点的差距背后,究竟隐藏着怎样的投资逻辑?1. 收益差距的量化对比2025年香港保监局数据显示,储蓄险演示IRR为5%-6.5%,内地分红险约3.5%。但两者风险结构截然不同:香港储蓄险:保证收益仅0.1%-0.5%,90%以上依赖非保证分红 内地分红险:保底收益1.75%,保证部分占比达50%以100万投入计算,20年后收益差额高达93万。即使香港... more
港美股投资者注意:税务局启动境外投资补税行动
� 征税范围
• 股息红利:统一征收20%个人所得税
• 股票买卖收益:年度盈利部分征收20%(亏损不可跨年抵扣)
• 追溯期:2022-2024年
️ 征管动态
自今年3月起,税务部门通过CRS(跨国税务信息交换机制)加强境外投资征管。中国已与119个国家/地区实现金融账户信息自动交换。富途、老虎等券商用户成为重点通知对象。
� 补税要点
股息利息:按20%补税(已扣10%的补缴10%)
买卖收益:当年卖出盈利-当年卖出亏损,正数部分缴20% more
� 案例概要 魏某与王某复婚期间,王某用个人财产为孩子购买香港友邦保单,保额180万美元。第二次离婚时,魏某要求分割保单现金价值被法院驳回。️ 争议焦点保费来源:个人财产 vs 夫妻共同财产保单性质:是否构成对孩子的赠与� 法院认定 • 保费来源于首次离婚分割财产,单独账户管理,未与婚内资产混同,属婚前个人财产 • 双方均认可保单为孩子未来利益设置,分割将损害孩子权益 • 一、二审均判决:保单不予分割� 关键启示财产隔离重要性:婚前个人财产需保持独立,避免与婚内资产混同保单架构优势:以孩子为受保... more
How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.
Apple Podcasts | #161 | |
Apple Podcasts | #224 |










Listeners, social reach, demographics and more for this podcast.
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大然家族办公室 launched 3 months ago and published 8 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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