Cash or cash flow? What’s your choice?
👩🏻💻 跟大家分享一個40歲女性的保險理財規劃，從存入保費的第二年起，就每年存錢同時也取錢出來，最後達到淨保費為零，還有持續終身收入跟高額保障（美金250萬）的目標。
從圖裡可以看到，40歲開始每年存入保費存10年， 41歲開始也取錢出來，累積的存入保費跟累積的取款金額同時增加，到了55歲的時候，這兩條曲線交叉，存進去的錢就全部拿回來了。 保單就這樣結束了嗎？沒。
假設65歲打算退休領退休金（要在不同年齡開始領也可以），從退休那年開始，每年從保單可以提領七萬八千多元美元（USD)，一直領到80歲、100歲，甚或120歲直到身故為止，可以看到圖上的橘色線條，每年以固定斜率在增長，這都是領出來用的錢💰，在這同時，所有的保障都在，包括慢性病重症失能阿茲海默症給付，萬一有需要，不用擔心沒有辦法支付龐大的醫療照護費用，最後人生走到盡頭時還有一筆身故給付留給受益人。取出的錢跟最身故給付，都是不用繳稅的（很重要❗️）。
股票有漲有跌，這個規劃只漲不跌。有沒有看出這個工具如何幫你達到財富最大化的目標呢？💡🤓
如果您也想設計自己的財富最大化方案, 歡迎回覆或加我好友喔!
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👩🏻💻 Let me share a financial plan for a 40-year-old woman. Starting from the second year of premium payment, she both saves and withdraws money annually. Eventually, achieving a net premium of zero, along with continuous lifelong income and a high coverage goal of $2.5 million USD.
From the chart, it's evident that she starts depositing premiums annually at 40 for 10 years. At 41, she begins withdrawing as well. Both the cumulative premiums and withdrawals increase simultaneously until they intersect at age 55, at which point all deposited funds are recovered. Does the policy end there? No.
Assuming retirement at 65 (start withdrawing at different ages if desired), she can withdraw over $78,000 USD annually from the policy until age 80, 100, 120, or until death. The orange line on the chart shows a fixed slope of annual growth, representing the money withdrawn for use. Meanwhile, all coverage remains intact, including payouts for chronic illness, severe disability, Alzheimer's, etc. In case of need, there's no worry about paying substantial medical care costs. Finally, there's a death benefit for beneficiaries. Both withdrawals and death benefits are tax-free (crucial!).
While stocks fluctuate, this plan only grows. Can you see how this tool helps you achieve wealth maximization? 💡🤓
If you want to design your own wealth maximization plan, please feel free to reply me or add me as a friend.
喜歡我的文章的話請幫我按個讚給我一點鼓勵呦 ❤️
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