港险避坑指南

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很多内地的中产富人总以为换了美元和港币

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就实现了资产全球化配置

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但实际情况是

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他们刚出门就在香港被另一拨内地人割麻了

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毫不夸张地讲

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这几年来

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由于另一批内地人在香港的信息误导与焦虑

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煽动

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香港已经肉眼可见的变成了内地中产的收割机

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今天的主题就从几个方面拆解

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这些信息污染与收割套路

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目的是尽可能降低我自己读者上当的概率

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一朋友圈的洗脑

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事情要从最近我的朋友圈说起

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承蒙互联网红利

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我曾经的影响力还算大

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所以很多房产财经类自媒体的号主

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早在67年都加过我的微信

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作为陌生人

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大家几乎没有过什么联系

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但在朋友圈能看到一些动态

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我非常明显的发现

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最近这几年

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大多数人的带货方向都在往同一个地方走

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那就是香港保险

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比如以前都是看房团

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线下课程或沙龙活动等等

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但现在直接都是往香港引导

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原因很简单

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楼市基本是没戏了

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带货也带不动了

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A股又让人没有安全感

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而香港保险恰恰可以挂上美元资产

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资产全球化配置的高大上标签

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利用很多内地中产这几年对于经济状况

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或自身所处行业的担忧或不满

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顺利将他们变成自己的客户

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最近我在朋友圈看到至少两个不同的活动海报

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大体内容都差不多

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就是标榜自己是专家导师

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投资大咖

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然后带队去香港开户学习投资美元资产

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我并不是针对谁

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为了不拉仇恨就不上截图了

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我只说这类内容的共同套路和割韭菜流程二

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割韭菜的流程一

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在这样的活动中

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每个报名者都要交一笔开户费或团费

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但很明显

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这是非常典型的智商税

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我们一步一步来科普

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先说银行和券商开户

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其实无论汇丰还是中行

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以及无论是哪一家

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目前还支持内地身份开户的美港股

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券商开户全都是免费的

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想要港卡

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你连分行都不需要去

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提前在手机上下载一个目标银行的官方app

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然后人到香港境内连上当地WIFI

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进入app就可以开户了

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全程15分钟搞定

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当场出账户

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一周后

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你的银行卡就会寄到内地的地址

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整个过程一分钱都不用花

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想要券商

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甚至连香港都不用去

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人在内地就可以开了

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但在他们这里

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每个人开户或带队的费用在1000到2000人民币

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你以为这样就完了

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收费带团开户还仅仅是一个开始

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后续他们会把报名者集中在一个教室进行讲课

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我都能猜到他们会说什么

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无非就是拿一些个案来渲染内地各种不好

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鼓吹香港这好

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那好像是避税教育

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各种免签

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一边煽动你作为内地人的焦虑

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一边塑造一个没有任何缺点的香港

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你都这么焦虑了

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那怎样才能解决呢

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当然是配置美元资产

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他们口中的美元资产特指香港保险

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理论上说美元资产包括的东西很多

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无论是美元

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黄金美股

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美债以及美国不动产

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但在简中互联网上

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但凡你看到一个自媒体开始反复强调

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美元资产这个词

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下一步几乎可以肯定就要给你引出香港保险

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不信你就在微信搜一下美元资产这四个字

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看看出来的视频号内容有多少

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是引导你去香港买保险的

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在美元资产之后

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他们可能还会推荐你一个渠道办高才优才专才

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获取你的信任后

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甚至可能把你发展成下线

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我都算不清

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这是一鱼几吃了

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我去年谈过对于香港储蓄险的观点

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我们后文还会详细说

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结论是港险并不适合绝大多数人投资

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只有消费型功能型保险才是有意义的

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保险储蓄型保险回报率流动性极不合算

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同时这类保险的经纪人佣金极高

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在一些中短期缴纳方案中

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第一年的大多数保费都会被直接赚走

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其他投资无论是买房买股票

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佣金比例都远远没有高到这种程度

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所以保险这一项就是这类活动或课程

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最大的利润来源

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比什么银行或券商开户以及团费赚的要多得多

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如果你不相信上面的观点

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完全可以去体验一下

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然后就会更明白他们的套路

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总之千万不要把自己的财富和未来

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交给一帮背景

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学识人品都戴着面具的人手中

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三为什么不要投资港险

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这种组队卖保险的属于吃相难看的

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还有很多藏的更深的

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比如以买家秀形式误导读者

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关于香港储蓄险

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我去年发过一则主题

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我为什么不投资港险

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而现在我更加旗帜鲜明

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且观点详细地来重谈一下这个话题

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换一个角度

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你可以更透彻地理解投资储蓄险的行为

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这相当于你给另一个人或公司放贷

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保底利息很低

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这笔钱具体做什么去了

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你不知道借款的过程

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还有中间商收巨大差价

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然后如果5年甚至10年内

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你急用钱

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想要回这笔借款

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甚至只是一部分钱

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你都要被对方拿掉一部分本金

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问问自己

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你愿意做这样的事吗

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但很多从业者熟练掌握各种套路与话术

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让你偏离理性的财务计算

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我这里有一套

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经纪人会给客户的一些非常有代表性

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且非常善于误导人的话术规总

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顺便教你一一破解

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一保险经纪人会告诉你

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CRS上线了

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现在是配置美元资产规避CRS的窗口

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每股会被征税

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保险最安全错

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除了非CRS签署地外

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任何金融资产没有例外

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香港与内地已实施c rs金融账户信息交换

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内地税务机关可获取香港保单账户信息

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包括投保人金额收益

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另外就算每股缴纳20%

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资本利得税和分红税

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长期来看

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无论是流动性还是收益都远超保险

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二

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保险经纪人会告诉你

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无论你买指数基金还是房产

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都可能遭遇下跌

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但保险是长期保本的错了

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长期保本的另一面就是短期不保本

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而且这个短期很可能并不短

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10年都不少见

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流动性本身就是资产最重要的属性之一

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否则有机会都不可能抓得住

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你说标普500会下跌

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没错

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就算短期下跌50%

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这是一个世纪见一次的下跌幅度

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我短期要退保

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提现的罚金可能不止50%吧

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这怎么算保本呢

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你说要长期持有才保本

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很多保险10年都回不了本

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大家都严格长期持有的话

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投资回报

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怎么可能比得过标普500和纳指100呢

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如果说要追求任何时间区间内都绝对保本

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应该买美债或定存三

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保险经纪人会告诉你

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指数基金

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比如标普500的长期表现确实很好

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我这里也有挂钩指数

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例如标普500的保险产品

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既可以享受增值

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还能够避开下跌

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错了IUL这类产品长期是远跟不上标普500的

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因为涨幅设了上限

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大概10%iu L的优势是有下跌托底

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可是在过去50年

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标普500有41年是上涨的

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只有9年是下跌的

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这40一个上涨年里

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平均涨幅是加19.8%

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而在九个下跌年里

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平均跌幅是13.8%

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IUL等于是在用41年的收益减半

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去赌9年的不亏钱值得吗

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而且我今天投资标普500

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明天就可以几乎无损提现保险可以吗

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四保险经纪人会告诉你

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保险是长期固定收益的选择

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没有别的固定收益类产品

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能比我们产品收益率更高错

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如果想拿到长期高利率

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你完全可以现在就去买一笔20年期美债

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利率有5%

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长达20年的实打实的5%利率资产

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纯正的美元资产5%

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已经和很多港险的预期IRR差不多了

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比内地的预期IRR更高

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这里还没考虑储蓄险

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并不一定能实现宣传的预期

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IRR更重要的是

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即便是20年期美债

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00:07:05,459 --> 00:07:07,839
也可以在到期日前的任何时候卖出

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00:07:07,839 --> 00:07:09,779
如果你遇到了某个超级黄金坑

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需要大量现金

228
00:07:10,879 --> 00:07:12,279
美债属于流通国债

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也不会因为要提前套现就遭受惩罚

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五保险经纪人会告诉你

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00:07:17,050 --> 00:07:19,370
保险可以通过指定受益人的方式

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绕过复杂的遗产继承程序

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并在某些法律环境下具有一定的债务隔离功能

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错了

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这些年有多少人买储蓄型保险

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00:07:26,899 --> 00:07:29,079
是为了资产隔离和财富传承

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说到资产隔离和传承

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00:07:30,540 --> 00:07:32,939
完全有更高效率和损耗低的方法

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00:07:32,939 --> 00:07:34,100
比如家族信托

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它是目前法律框架下隔离最彻底的工具

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00:07:36,908 --> 00:07:38,588
底层资产你可以放现金

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股票ETF

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房产或公司股权

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另外不要嘴硬

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你给我一个主要传承手段

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不是信托

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而是保险的富豪家族案例

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我来听听六保险经纪人会告诉你

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对于缺乏财务纪律的人

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保险的低流动性反而成了一种保护机制

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防止资金被随手花掉

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00:07:56,329 --> 00:07:58,170
为什么要你帮我强制储蓄呢

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你强制把我的钱锁住

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还要赚我的钱

255
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这是什么道理

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缺乏财务纪律就不可以靠自己学习和改进吗

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七保险经纪人还会告诉你

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保险是资产多样化配置的重要一环

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不可缺少

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这不是多样化的问题

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而是避坑的问题

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你要多样化投资没问题

263
00:08:14,730 --> 00:08:17,009
你的多样化需求会比贝莱德桥

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水伯克希尔这种级别的机构更大吗

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为什么他们的多样化投资都是股债组合

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但偏偏没有储蓄险呢

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根本原因就是他们不会被忽悠

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他们没有对风险的恐惧

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00:08:27,720 --> 00:08:30,730
对数学的迟钝以及对资产流动性的忽视

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00:08:30,730 --> 00:08:31,410
说白了

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00:08:31,410 --> 00:08:32,250
你可以让经纪人

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拿任何一个具体的产品和数据出来

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自己穿透一下产品设计

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00:08:35,669 --> 00:08:38,870
然后利用ChatGPT在一分钟内找到流动性

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收益率和稳定性

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00:08:40,169 --> 00:08:42,409
三方面都好于这个产品的投资组合

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根本都不需要动脑筋

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00:08:43,970 --> 00:08:44,929
对于储蓄险

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我用一段话总结就是

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任何形式的储蓄险都是一个溢价极高的产品

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它利用了普通人对风险的恐惧

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00:08:51,210 --> 00:08:54,159
对数学的迟钝以及对资产流动性的忽视

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00:08:54,159 --> 00:08:56,159
从而建立起一套极其有利于

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00:08:56,159 --> 00:08:58,120
保险公司和经纪人的商业模式

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00:08:58,120 --> 00:09:00,080
代价是投资者的复利时间

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00:09:00,080 --> 00:09:02,590
机会成本与资产支配权

287
00:09:02,590 --> 00:09:05,629
四香港金融业的未来

288
00:09:06,610 --> 00:09:07,649
由小见大

289
00:09:07,649 --> 00:09:09,710
近几年的香港让我感到挺失望的

290
00:09:09,710 --> 00:09:11,470
过去香港金融行业是什么

291
00:09:11,470 --> 00:09:12,289
是投行

292
00:09:12,289 --> 00:09:15,389
IPO业务是跨国企业来华投资的中转站

293
00:09:15,389 --> 00:09:17,029
现在香港金融成了什么

294
00:09:17,029 --> 00:09:18,110
成了一帮内地人

295
00:09:18,110 --> 00:09:19,129
伪装成香港人

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00:09:19,129 --> 00:09:21,669
利用内地其他中产的信息差和焦虑感

297
00:09:21,669 --> 00:09:22,769
割韭菜的平台

298
00:09:22,769 --> 00:09:24,669
我知道这篇文章要得罪很多人

299
00:09:24,669 --> 00:09:26,610
我自己也有朋友在香港做保险

300
00:09:26,610 --> 00:09:29,240
我的读者中也有不少在香港做保险

301
00:09:29,240 --> 00:09:31,039
我深知大家工作的不易

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00:09:31,039 --> 00:09:34,549
但我觉得内地无数中产的血汗钱更来之不易

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00:09:34,549 --> 00:09:36,330
特别是在内卷加剧

304
00:09:36,330 --> 00:09:38,919
增量财富越来越难获得的背景下

305
00:09:38,919 --> 00:09:40,779
本文绝不是为了攻击保险行业

306
00:09:40,779 --> 00:09:43,580
也绝不否认消费型功能型保险的价值

307
00:09:43,580 --> 00:09:46,159
只是感叹一下香港金融行业的堕落

308
00:09:46,159 --> 00:09:48,980
视频最后如果你真的对美元资产感兴趣

309
00:09:48,980 --> 00:09:51,539
建议真正投资那些自己能够掌控的

310
00:09:51,539 --> 00:09:53,679
没有中间商赚差价的优质资产

311
00:09:53,679 --> 00:09:56,279
例如长期定投qq q s spy

312
00:09:56,279 --> 00:09:59,159
此外本次主题的核心内容来自过去一段时间

313
00:09:59,159 --> 00:10:01,259
星球中群友们以及我的一些互动

314
00:10:01,259 --> 00:10:03,399
感谢群友们提供的话题与论据

315
00:10:03,399 --> 00:10:06,200
感兴趣的朋友也欢迎扫描公号文末二维码

316
00:10:06,200 --> 00:10:07,620
加入星球

317
00:10:08,710 --> 00:10:10,269
如果你喜欢本期视频

318
00:10:10,269 --> 00:10:11,669
希望可以点赞关注

319
00:10:11,669 --> 00:10:12,409
支持一波

320
00:10:12,409 --> 00:10:14,720
这将对我有很大的帮助

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