- 學位論文
以投資型保險作為退休理財規劃之探討
Making retirement financial plans with Investment-Oriented Insurance
摘要
近年來退休後經濟相關的議題，每每愈發引人注目，而國內的退休金制度，則是屬於軍公教人員最為優渥，因此較無退休準備的壓力，但為數最多的勞工階層，卻普遍面臨退休準備不足的問題；而在『退休理財』方面的規劃，國人卻略顯不足，因此本研究的主要目的，是希望透過目前最為熱門的『投資型保險』來作為研究目標，『投資型保險』兼具保險『保障』與『投資理財』兩大功能，保戶可自行決定投資標的與投資比例；研究結果發現，以月配息的投資方式，透過長期資產的累積，藉由一張投資型保單，就可滿足子女教育、保險保障、退休養老等不同階段的人生需求。以投資型保險作理財規劃，宜掌握及早投資且持之以恆定期定額扣繳的原則；愈早作規劃，藉由時間與複利的累積，愈能提早達成自己的理財目標而在投資型保險方面又分為『變額壽險』與『變額年金』兩種，因此本研究就以某保險公司實際銷售之變額壽險投資型保險為例，以需求分析的方法，探討能否以投資型保單作為退休理財規劃之工具。 本文首先將說明投資型保險的意義與現況，特色與種類，投資連結標的以及投資型保險的風險；進而探討高齡化與少子化的社會結構，扶養比率與退休金三支柱，軍公教人員與勞工退休金制度，並探討未來退休的變數與挑戰。此外，本文並以3個勞工個案，顯示投資型保單確可解決勞工退休金不足的問題。並就此提供情境分析。
關鍵字
none並列摘要
In recent years, retirement issues, often become more compelling, and domestic pension system, it is the most lucrative part of military and government personnel, it is more stress-free retirement plan, but the largest number of the working class, but generally faced with inadequate retirement preparation problems; main purpose of this study is to present the most popular by investment type insurance to variable life investment-oriented insurance an insurance company's actual sales to the method needs analysis, to explore the possibility of investment-type insurance policy as a retirement planning planning tool. This article describes the significance of the risk of investment-oriented insurance and current status, characteristics and types of investments and investment-linked underlying insurance; then discusses aging and declining birthrate social structure, three-pillar pension dependency ratio, military and government personnel and labor pension system, and to explore the variables and challenges of the future retirement. In addition, this paper and three labor cases display policyholder really solve the problem of shortage of labor pensions. And to provide situational analysis. Both investment-oriented insurance and investment banking insurance two functions, policyholders can decide investment targets and investment ratio; study found that monthly dividends of investment, through the accumulation of long-term assets, with an investment-type insurance policy , can meet their children's education, insurance, retirement and other needs at different stages of life. Investment type insurance for financial planning, should grasp the principles early and sustained regular fixed investment withheld; sooner for planning, compounded by time and cumulative, more able to reach their financial goals early