消委會:年金產品非保證回報率受多項因素影響 宜留意外匯風險
消委會公布,今年首八個月關於保險服務(年金計劃)的投訴涉及兩宗。總幹事黃鳳嫺在記者會上表示,投訴主要是關於透過銀行購買時,由於對方講解得不清晰或有誤導,而誤會購買的是定期產品;以及購買後發現不合適,或回報率不如預期高等。
她指出,年金產品中的非保證回報率的表現會受很多因素影響。另外,以不同貨幣計價會造成匯兌風險,會影響產品的回報表現,呼籲消費者要多加注意。
目前合資格延期年金規定列明年金收入的保證金額及非保證金額,至於其他一般年金日後是否需要作披露,她則指對於消費者權益而言,往往都是愈多資料披露愈好。
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