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Showing posts from September, 2013

Secret of Insurance

Someone submitted a post titled as Insurance Manager - Untalkable Secret 保險經理之 - 不能說的秘密. The post showed some negative sides about Insurance. Although the content has some discrepancy from my understanding, I just show it here for your fun.
保險經理之 - 不能說的秘密本人好耐都無玩forum, 今次上黎見到原來大部份人對保險呢個行業都不甚了解
(意思是agent的生涯,以及agent與客戶 / 保險公司的恩怨情仇)
故希望可以在此做一個少少既分享, 好讓有意入行既朋友在入行前可以三思
(因為係你入行前, 保險公司及recruit你的經理均不會對你講真話, 坊間關於保險行業既書籍多是報喜不報憂)

本人係大學畢業生, 於保險界打滾了兩年的日子, 但呢兩年令我經歷了很多事情, 我入行頭一年已經差唔多月入兩萬 (一個manager一年既quote數係45萬, 我半年已達標) 都叫做算請到下人, 曾經有兩、三個downline跟我
現在我希望可以糾正大家一d錯誤既觀念.....

錯誤觀念一
做保險好風光, 個個都身光頸靚?

答: 呢個要從佣金講起, 有朋友可能以為做保險好好搵, 講兩句就簽單, 張張單都成萬蚊落袋, 如果係咁保險公司既存活率就唔會入十個死九個啦! 以下就等小第大約講解下d佣金點計啦......

一般黎講唔同既單有唔同既佣金比率, 以下我就講一d比較流行d既單啦

人壽基金 - 57% (第一年), 10% (第二年), 2% (第三年及以後)
101月供基金 - 多數係30% (第一年), 5% (第二年), (第三年唔記得)

因為101單都有分前期定後期收費, 多數人瀨野既AA單(Asset Accumulator, 中文意思係我遲d殺你d資產) 係後期收費單, 呢d單既佣係按年期黎計佣金比率

e.g. 一張30年期既AA單 (我感覺上同MPF差唔多長時間) 佣金係54%
      但如果係一張5年期既AA單, 佣金係6%, 假設個客係魚腩咩都唔識,你係agent你會賣邊張? 5年期定30年期? 自己諗啦

lump sum既基金單 - 2-3%

Negative View on High Tech

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Someone asked me to consider high tech stocks such as Apple Inc (AAPL). or QQ (HKG:0700). Sorry, I say NO to such high tech stocks. Although their price up could be very fantastic, they are unpredictable and I always doubt their continuousness. Have you remembered Motorola and Nokia? Nokia has just sold its mobile business to Microsoft, where the mobile business was No. 1 in the world five years ago.
Let us have fun about High Tech:

President Buy In

It is reported that the president of China Oil and Gas (HKG: 0603) increased his stock from 22.4% to 22.93% by around HK$ 26M on 30 Aug. 中油燃氣(00603)主席許鐵良斥2675萬元增持 The buy-in action is definitely a good signal as the history shows: Date Stackholder Stock Change % Monthly Price Change% 2011-12-01 New Stamina Investments Limited +3.53% +14.04% 2011-06-02 關懿君 +0.36% -5%