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保險業監管局 - Qualifying Deferred Annuity Policy. 合資格延期年金保單. 背景. 面對人口老化，政府建議向購買延期年金的納稅人，提供稅務扣除的優惠，以鼓勵市民為退休生活作自願性儲蓄。 保險業監管局（保監局）受委託發出指引，訂明列為「合資格延期年金保單」（Qualifying Deferred Annuity Policy，簡稱「QDAP」）的條件。 規劃退休有計仔之三：QDAP點樣揀？ Watch on. 利用「延期年金」規劃退休. 年金是一種用作規劃退休的工具，幫助投保人把累積的儲蓄轉化為在一段時間內的穩定收入，讓其有紀律地使用退休積蓄以應對長壽所帶來的財務風險。 年金有多種類型，延期年金屬其中一種。 延期年金包括累積期和年金領取期兩個階段。
The Insurance Authority (IA) has been tasked by the Government to issue guidelines to set out the criteria for deferred annuity products to become a Qualifying Deferred Annuity Policy (QDAP). Enjoying a Tax Deduction for Retirement Planning via a QDAP.
From the year of assessment 2019/20 onwards, you may claim a deduction for qualifying annuity premiums paid by you or your spouse (not living apart) as a policy holder of a QDAP policy for an annuity payment receivable by an annuitant. To be deductible, the policy holder must be: yourself; your spouse; or. yourself and your spouse.
Qualifying Deferred Annuity Policy. For relevant premiums to qualify for tax deductions, a deferred annuity product must comply with the guideline issued by the Insurance Authority, including: Minimum total premiums of $180,000 and minimum payment period of 5 years. Minimum annuity period of 10 years.
Qualifying Deferred Annuity Policy (QDAP) 1 What is your current age? 2 Which currency you wish to pay for the premiums? 3 How long (the period of time) would you choose to pay the premiums? 4 What age do you want to start receiving the annuity (income) payment? 5 Would you like to receive the annuity income in a “fixed period” or “whole life”?
I am writing to draw your attention to the Guideline on Qualifying Deferred Annuity Policy (“GL19”) recently issued by the Insurance Authority (“IA”), which sets out, among others, requirements in respect of the promotion, advising and arranging of qualifying deferred annuity policies (“QDAPs”).
2019年3月20日 · Starting from April 2019, retirement savings by way of qualifying deferred annuity policies (“QDAP”) or tax deductible MPF voluntary contributions ("TVC") could entitle you to tax deductions. The deduction cap is $60,000 per year, which is an aggregate limit for both qualifying deferred annuity premiums and TVC.
