tag:blogger.com,1999:blog-18520215598631752872024-02-19T06:09:35.627+02:00德博理財投資專欄引領南非華人邁向穩健理財投資之道Unknownnoreply@blogger.comBlogger420125tag:blogger.com,1999:blog-1852021559863175287.post-56885964014866084502015-08-10T17:46:00.000+02:002015-08-10T17:47:39.880+02:00367. 2015年度金融仲介協會獎揭曉 2015.08.13<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">201</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">5</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">年</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">6</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">月</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">4</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">日晚金融仲介協會</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">(Financial Intermediaries Association of Southern
Africa)</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">在約翰內斯堡杉騰會議中心舉行</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">第十七屆</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">年度頒獎儀式</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">,</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">以表彰那些為保險業作出卓越貢獻的保險</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">及投資</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">公司。此獎項如同南非金融保險業的奧斯卡金像獎,為南非各大保險公司所重視,盼望業界肯定的殊榮。以下是今年獲獎公司,讀者可以作為投保理財參考:</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b><br />
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">個人產物險獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">—</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">Santam<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">商業產物險獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">—</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">Hollard<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">大型企業產物險獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">—</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">Hollard<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">產險核保經理獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">—</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">CIA</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">連續榮獲此獎項</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">人壽保險獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> - </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><span style="mso-spacerun: yes;"> </span>Discovery Life</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">連續榮獲此獎項</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">單筆投資產品獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">—</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">Allan Gray</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">連續榮獲此獎項</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">定期定額投資產品獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">–</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">Sanlam<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">員工團保獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">– </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">Sanlam<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">醫療保險產品獎</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">–</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">Bestmed</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">金融仲介協會首席執行官普俊德先生說,「我們誠摯祝賀這些得獎人</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">我們也感謝他們對仲介商業模式的支持。我們不要忘記,仲介所提供良好而有信譽的忠告給保險理財客戶莫大助益。」</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">金融仲介協會會長林阿諾也說到,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">「當我們慶賀業界的頂尖產品供應商時,我們也應盡全力確保自由市場運作,提供客戶產品選擇。我們決不允許過多的法令管制扼殺保險仲介業。」</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></b></div>
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<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">關于金融仲介協會介紹</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">:</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">南非金融仲介協會代表著全國獨立經紀人的骨幹力量。隨著南非金融服務仲介協會</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">(SAFSIA)</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">與保險經紀委員會</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">(IBC)</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">的合併</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">該協會于</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">2008</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">1</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">月</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">1</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">日正式成立。這個新的金融服務仲介代表協會代表產生南非</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">80%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">以上產業保險業務</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">, 60%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">以上人壽保險和共同投資業務</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">以及</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">80%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">的員工福利業務的保險仲介。</span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-1852021559863175287.post-90737700021766943462015-08-06T17:59:00.000+02:002015-08-10T17:59:46.292+02:00366.設立遺囑(四) 2015.08.06
<b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">遺囑</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">執行者</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">被</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">任命</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">後必須做的事</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br style="mso-special-character: line-break;" />
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<!--[endif]--></span></u></b><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">•</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">一旦取得</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">遺囑執行</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">委任狀</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">遺囑</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">執行者應</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">監護或控制</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">所有</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">遺產內</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">的財產,</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">帳本</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">和文件。這些不應該在任何其他人宣稱在任何合同下,意圖或有權保留或佔有它們(法規</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">S26(1)</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">)。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span><br />
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•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">廣告遺產</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">,</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">使任何債權人可以成為意識到需要登記其對</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">死者遺產</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">索賠。廣告必須在政府公報,並在死者去世前的</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">12</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">個月居住所在地報紙刊登。債權人必須自發布廣告之日起</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">30</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">天內提出對遺產的任何索賠。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">查看死者的銀行賬戶或信件,以便找到每月應付款項。遺囑執行人需支付餘額並關閉這些帳戶,如信用卡,汽油卡,電話賬戶,數碼衛星電視,健身會員卡,服裝賬戶等。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">關閉死者的銀行賬戶,一旦已收到超過</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">R100</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">,就要開一個支票</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">/</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">經常帳</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">戶,戶名為</span><span lang="ZH-CN" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"> </span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">“</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">estate late</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">”</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">加上</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">死者的名字,。所有的投資將存入該帳戶,所有債權人和受益人將從此帳戶支付。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
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•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">死者的資產</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">例如房子</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">可以出售,這取決於受益人想要如何處理。出售所得款項將進入</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">“</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">遺產帳戶</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">”</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。這將在以後從</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">“</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">遺產帳戶</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">”</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">支付給受益人。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
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•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">給股票,投資,年金,保單等機構通知,這些死者擁有款項所滋生金錢需存入</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">“</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">遺產帳戶</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">”</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。如果保單有明列受益人,保單的保險金將繞過遺產而直接傳送給指定受益人。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">遺囑執行人需要準備</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">'</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">清算和分配帳戶</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">“</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">(</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">L</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">&</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">D</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">賬戶)。這可能需要</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">6</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">個星期至</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">6</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">個月,甚至更長的時間,取決於遺產處理的難易程度。此</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">L</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">&</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">D</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">賬戶包括在死亡之日遺產內的全部資產和負債。它還包括自死亡之日起發生的遺產收入和支出。最後計算出遺產淨值由受益人繼承。一個人去世會引發資本利得稅事件,這取決於遺產</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">規模</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,這需要專業稅務人員來計算。然後,遺囑執行人將清算和分配帳戶(</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">L</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">&</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">D</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">賬戶)連同支持文件提交給高等法院主事官。如果主事官有疑問,遺囑執行人需在一定時間期限內作出答复。遺囑執行人在同一時間提交死者的最終納稅申報表給南非稅務局(</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">SARS</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">)。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">
•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">一旦高等法院主事官批准,該帳戶必須刊登在政府公報和當地報紙,並在主事官辦公室,和在死者所住地區的治安辦公室公佈</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">21</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">天供人視察。繼承人應該在最後提交給主事官前有機會審查帳戶。如果沒有人提出對清算和分配帳戶異議,主事官將確認遺囑執行人可以按此帳戶分發資產給受益人。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">在分配遺產之前,執行人必須從國稅局取得釋放令。一旦國稅局</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">認為</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">所有所欠稅款已繳納,他們才會給予釋放令。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">必須</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">先</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">支付債權人</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">,之後遺產餘額才能</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">分配</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">給</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">繼承人。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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•</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">清算和分配</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">帳戶被公佈</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">後</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,執行</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">人</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">準備現金報表</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">並</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">分配資產</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">給</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">繼承人。通常需要八個月至三年完成遺產清算。遺囑執行人也將安排將固定資產,例如一所房子,從死者名下轉到繼承人名下。不會有任何房屋轉讓稅,但繼承房子的人需給付律師過戶費。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">一旦遺囑執行人提供</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"></span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">高</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">等法</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">院</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">主事官</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">債權人已經支付,資產已經被分</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">配之</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">證明,</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">主事官簽結遺產,遺囑</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">執行</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">人</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">的任務就完成了</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">資料來源:南非司法及憲法發展部,理財規劃協會,南非受託機構</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-5414165637790790442015-07-30T17:57:00.000+02:002015-08-10T17:57:48.071+02:00365.設立遺囑(三) 2015.07.30
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">三、遺囑的生效和不生效</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">、遺囑的生效</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑的生效是指遺囑發生法律效力,可以依法執行因此,遺囑的生效又叫做遺囑發生執行效力。遺囑是終意處分行為的性質決定的。只有遺囑人至死不變的意思才是其最後的意思,才具有執行效力。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">、遺囑的不生效</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑的不生效又稱遺囑失效,是指符合有效條件的遺囑因某種客觀原因而不能發生執行效力。導致遺囑不生效的原因有遺囑繼承人、受遺贈人先于被繼承人死亡但遺囑另有規定</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">如指定有替補繼承人或替補受遺贈人的除外</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">;遺囑繼承人、受贈人在遺囑成立後喪失繼承權附解除條件的遺囑,在遺囑人死亡之前條件已不存在;附停止條件的遺囑,遺囑繼承人,受遺贈人在條件成就前死亡等。附義務的遺囑繼承或遺贈,如有義務能夠履行,而繼承人、受遺贈人無正當理由不履行,經受益人或其他繼承人請求,法院可以取消他接受附義務那部分遺產的權利,由提出請求的繼承人或受益人負責按遺囑人的;自願履行義務,接受遺產。不生效的遺囑雖然沒有執行效力,但具有設立效力,是合法有效的遺囑,僅僅由於某種客觀原因使其不能發生執行效力。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">四、遺囑的處分</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">公民可以立遺囑將個人財產指定由法定繼承人的一人或者數人繼承。公民可以立遺囑將個人財產贈給國家、集體或者法定繼承人以外的人。遺產的處分須由遺囑執行人執行。遺囑執行人英文為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Executor</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">。遺囑執行人可以</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">是家庭成員,一個值得信賴的朋友或金融機構</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">。以下是一般</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">簡單情況下的基本指南。如果</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">當事人的</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">情況</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">有任何</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">不尋常,</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">應尋求</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">法律諮詢建議。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
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•</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">遺囑執行人</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">首先需要獲得</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">遺囑並</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">檢查它的有效性,確定誰是受益</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">人</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,並</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">對死亡人遺產的</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">資產及負債</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">有大略</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">的了解。收集並找到有關死者財務狀況的信息,如銀行賬戶,信用卡帳戶,物業地契,保險</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">保單</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">文件和其他文件。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br style="mso-special-character: line-break;" />
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<!--[endif]--></span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">如果壽險</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">保單明白列出指定</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">受益人,所得款項可直接支付給受益人,而不必通過</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">遺產分配</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。這是在遺產進行清盤期間,提供現金給家屬的理想工具。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">從高等法院主事官</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">(Master of the High Court)</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">辦公室或法律文具店</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">取得官方</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">資產和財產清單</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">表格</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。該清單應說明資產總額是否超出</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">125,000</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">蘭特。未亡配偶或居住在死者生活地區最近血親必須簽署清單表。如果總資產小於</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">R125,000</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,高等法院主事官可以縮短程序,允許用一個非正式的,節約成本的方式進行遺產清盤。在這種情況下的程序要簡單得多,不需遺囑執行人做債權人廣告的,也不須繪製並提交清算和分配帳戶</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">(Liquidation and Distribution Account)</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
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</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">重要更新:</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">2015</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">年</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">11</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">月</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">24</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">日</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">起</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">法規</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">S18</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">(</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">3</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">)限</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">額</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">已</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">從</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">R125,000</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">提高到</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">R250,000</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。這適用於</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">2015</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">年</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">11</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">月</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">24</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">日</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">和之後死亡人士</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br style="mso-special-character: line-break;" />
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">•</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">填寫主事官辦公室提供</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">'</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">接受</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">委託</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">“</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">表格</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">(Acceptance of Trust)</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,並一式兩份簽署。主事官辦公室會將副本轉發給南非稅務局(</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">SARS</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">)。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">在大多數情況下,遺囑通常免除遺囑執行人提供擔保品的責任。如果遺囑執行人是死者的父母,子女或配偶,則通常不需提供擔保品。當主事官要求擔保品以確保遺囑執行人的誠信,通常可從保險公司購買保證狀。主事官有權決定擔保品金額,一般是能覆蓋在清單披露的資產價值。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br style="mso-special-character: line-break;" />
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">•</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">遺囑執行人</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">需要向高等法院主</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">事官申請</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">被正式任命,並賦予必要的權力來管理遺產。這步驟可能需要六個星期,取決於在南非境內九個主事官辦公室,向那一個辦公室提出申請。最好是早上去,並擕帶與提供以下文件:</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">◦</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">遺囑正本(最好是當場拿到遞交收據</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">並自己保留複印件)</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">◦</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">死亡通知書</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
◦</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">資產清單表</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">◦</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">死亡證明書證副本</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><br />
◦</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">接受委託</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">表</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,一式兩份。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><br />
◦</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">近親誓章</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN;">(affidavit)</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><br />
◦</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">遺產沒有提交到另一高等法院主事官辦公室</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">宣誓書。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><br />
◦</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">債權人名單。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><br />
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</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">不同的</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">主事官辦公室</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">略有不同的要求,所以最好是詢問</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">清楚</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">他們需要什麼。除了</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">遺囑</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,以上所有文件都可以從</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">主事官辦公室取得</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><br />
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•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">高等法院</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">主事官</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">將授予那些被授權處理</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">遺產並</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">已經同意接受清盤</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">遺產</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">工作</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">之</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">人員遺囑執行</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">委任狀</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。遺囑執行</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">委任狀</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">副本需</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">提供給</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">持有屬於死者</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">資產的</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">銀行和保險公司,以此證明他們持有的資產將被傳遞給死者遺產</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-hansi-font-family: Arial;">之</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-US; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">授權代表。</span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-1852021559863175287.post-14267418488708148342015-07-23T17:54:00.000+02:002015-08-10T17:55:34.034+02:00364.設立遺囑(二) 2015.07.23
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">二</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑的設立</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">在南非年滿</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">16</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">歲就可以設立遺囑,說明立遺囑人死後財產要給誰。遺囑必須遵照南非法規設立才具效力。必須心智上具行為能力,即立遺囑人必須有能力理解設立遺囑之後果,精神正常,並且記得自己所擁有資產。</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">無行為能力人或限制行為能力人所立的遺囑無效。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">遺囑要具有效力,你必須確保:</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">•遺囑是書面的。</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">•兩個</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">14</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">歲以上年齡的人見證遺囑的製作(這些證人不能是遺囑的受益人)。</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">繼承人、受遺贈人的債權人、債務人,共同經營的合夥人,應當視為與繼承人、受遺贈人有利害關係,不能作為遺囑見證人</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">•在證人在場,您草簽遺囑的每一頁,並簽署了最後一頁。</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">•證人已草簽和簽署遺囑。</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">在遺囑裏你可以:</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">•指定遺囑執行人。</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">•分配你的財產。</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">遺囑執行人確保您的財產按照你的遺囑內所說明你的意願分配。遺囑執行人在處理你的財產時也會償還你的未償債務。如果你不選擇一個執行人,法院將任命某人為遺囑執行人</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">;</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">這通常是一個家族成員。</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑一般包括遺囑人的姓名、性別、身份證號碼、出生日期;遺囑處分的財產狀況</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">名稱、數量、</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span></span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">所在地點以及是否共有,抵押等</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span></span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">對財產和其他事務的具體處理意見;有遺囑執行人的,應當寫明執行人的姓名、身份證號碼、性別、住址等;遺囑製作的日期。遺囑中一般不包括與處分財產及處理死亡後事宜無關的內容。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">在南非有以下途徑設立遺囑:</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">甲.自己書寫設立遺囑</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">乙.諮詢律師,由律師幫助設立遺囑</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">丙.銀行理財部幫助設立遺囑</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 9.75pt; vertical-align: baseline;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">丁.諮詢個人理財規劃師,由理財規劃師幫助設立遺囑</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Open Sans"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Open Sans";">戊.到文具店購買遺囑表格,自己填寫</span><span style="font-family: "Open Sans"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑可以是個人遺囑,或是夫妻兩人共同遺囑。夫妻存續期間的財產除有約定的應該為夫妻共同財產,英文叫做</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">in
community of property</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,法律認定夫妻擁有共同財產各一半。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span><br />
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">一份簡單遺囑設立,通常有以下內容:若夫妻雙方一方過世,遺產贈與另一方。若都同時過世,遺產贈與孩子。若全家同時過世,遺產指定贈與親人或公益機構。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">你的財產上傳遞給誰取決於你是否有一份有效的遺囑。如果你有一份有效的遺囑,則按照你的意願分配。如果你死無遺囑(英文稱為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">intestate</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">),那麼根據無遺囑繼承的法律將你的財產分給你的直系親屬。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">(三)垂死時沒有留下遺囑</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">如果沒有有效的遺囑,當事人死了,財產是根據法律規則分配。這些規則指出:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">•已婚人的財產由配偶和子女平分。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">•如果沒有配偶或子女,遺產分配給其他家庭成員。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">•如果沒有血親則遺產歸給政府。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">不同的規則適用於根據南非地方習俗法律結婚的人,但這些規則對妻子不公平。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">、遺囑的撤銷</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑作為法律行為的一種,應適用法律行為的一般規定,如有效、無效、撤銷等。如果遺囑存在某些缺陷或由於錯誤或受欺詐、脅迫而未能正確反映遺囑人的意願,則應當允許撤銷。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑人以不同形式立有數份遺囑的,內容相互抵觸的,其中有公證遺囑的,以最後所立的公證遺囑為准,沒有公證遺囑的,以最後所立的遺囑為准。如果遺囑人最後所立的遺囑內容同原立數份遺囑的內容相抵觸,應視為最後所立的遺囑撤銷了原立所有遺囑。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">附義務的遺囑繼承或遺贈,如義務能夠履行,而繼承人、受遺贈人無正當理由不履行,經受益人或其他繼承人請求,法院可以取消他接受附義務的部分遺產權力,由提出請求的繼承人或受益人負責按遺囑人的意願履行義務,接受遺產。如按照《法國民法典》的規定遺囑,但得以日後重訂的遺囑或在公證人面前作證書以聲明改變意志而全部取消或部分取消。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span></span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">日後重訂的遺囑未明白取消遺囑時,以前的遺囑中與新訂的遺囑抵觸或相反的條款無效。</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-60264716179186845992015-07-16T17:51:00.000+02:002015-08-10T17:53:06.195+02:00363.設立遺囑(一) 2015.07.16
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑繼承是在南非財產繼承制度的重要組成部分,然而,在繼承實務中,真正的遺囑繼承卻很少。其重要原因在於公民的遺囑意識淡薄。為此,我們來探討遺囑的訂立、撤銷、生效和處分等,讓讀者了解設立遺囑之目的,使遺囑繼承更有效地發揮其功能與價值。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span><br />
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑是遺囑人生前在法律允許的範圍內,按照法律規定的方式處分其個人財產或者處理其他事務,並在其死亡時發生法律效力的單方法律行為。遺囑產生于古羅馬時期,西元</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">世紀,遺囑繼承得到了確認,西元</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">世紀,遺囑繼承已趨於成熟。南非的遺囑繼承制度是由帝國殖民時代歐洲白人傳入。隨著市場經濟體制的建立,遺囑權利的行使將日益重耍。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span><br />
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">一、遺囑的法律特徵</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">、遺囑是無相對人的單方法律行為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑是單方法律行為,依遺囑人單獨的意思表示即可成立。遺囑人是否行使遺囑權利,何時行使權利,採取什麼方式行使權利,行使的內容等都體現權利人自覺的行動。既不允許強迫、欺詐,也不允許任意剝奪,不反映遺囑人真實意思的遺囑不發生效力。不管遺囑所指定的繼承人或受遺贈人是否知道自己被指定,也不管是否知道遺囑的內容,以及是否接受指定,該遺囑自立遺囑人依法做出意思表示時成立。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">、遺囑於遺囑人死亡時生效</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑因遺囑人單獨的意思表示成立,如果符合法律規定的有效條件,即為有效遺囑。事實上,直至死亡之前,遺囑人隨時可以變更,撤銷遺囑,而不需要任何理由。因此,遺囑人行使權利是否符合法定條件,是否有效,一般應以遺囑人死亡時為准。只有在遺囑人死亡時仍保持不變的意思,才具有執行效力。所以,各國都規定遺囑於遺囑人死亡時生效。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">、遺囑行為不得代理</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑是遺囑人處分自己身後財產的法律行為,影響其處分決定的因素,主要是遺囑人與有關親屬之間的感情和遺囑人的願望,具有強烈的感情色彩,必須由遺囑人親自進行,不得代理。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">4</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">、遺囑是要式法律行為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">因為遺囑執行時,遺囑人已經死亡,所以,必須有嚴格的形式來保證遺囑的真實性,保證遺囑人真實意思能夠得到實現。因此,法律對遺囑形式作了強制性的規範,不符合法定形式的遺囑沒有法律效力。各國繼承法對遺囑的形式有詳細規定。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">二、遺囑的訂立、撤銷</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">、遺囑的訂立</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">一</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑能力</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑人處分自己身後財產,對有關當事人的利益有重要影響,因此,各國法律對遺囑人的行為能力都有明確要求。立遺囑時有民事行為能力,後來全部或部分喪失行為能力,不影響遺囑的效力;立遺囑時欠缺行為能力,即使後來取得完全民事行為能力,遺囑亦無效。南非規定年滿</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">16</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲就可以立遺囑。其他國家如日本規定</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">20</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲為成年,但年滿</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">15</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲就可以立遺囑。法國民法典規定,年滿</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">16</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲的未成年人可以立遺囑,但他們只能處分自己財產的半數。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">遺囑權利的主體是公民,即只有自然人才能享有這一權利,法人及其他社會組織不能成為權利主體。一般而言,南非如同英美等國家,賦予立遺囑人很大權力,如英國</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1938</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年以前的法律規定,立遺囑人可以將其遺產一部或全部留給任何人,甚至允許他把全部財產留給情婦,而置妻子和子女不顧。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1938</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年英國繼承法對立遺囑人的權力規定了一些限制,但遺囑處分的權力仍然很大。與此相反大陸法系國家對遺囑自由作了較大限制,如《法國民法典》第</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">916</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">條規定,立遺囑人只有在無直系尊親屬和直系卑親屬時,才能贈與或遺囑處分其全部財產。</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-54069813586214063142015-07-07T11:32:00.001+02:002015-07-07T11:32:43.529+02:00362.醫療綜合附加險 2015.07.09
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">在南非華人當中保險意識提升</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">而有許多人購買醫療保險。當有事故或疾病住院後</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">一個常見的問題是</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">:</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">為什麼住院費用保險公司沒有全額給付</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">?</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">其中一項原因是專科醫生收費較醫療保險公司標準費用高</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">,並且有些疾病</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">保險公司會依據規定收取自負額。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span><br />
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<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">案例一</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">: </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">一位太太於三年前在約堡一家私立醫院做一項婦科手術。醫院收費</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R12,000,
</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">婦科醫生收費</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R13,000,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">麻醉師費用</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R3,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。她全家醫療保險選項為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">Discovery
Classic Core</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。醫院費用</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">Discovery</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">全額給付</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">, </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">而婦科醫生費用理賠</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R6,500,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">麻醉師費用理賠</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R1,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。客戶最後自己付了</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R6,500</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">加</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R2,000,
</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">總共</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R8,500</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">案例二</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">: </span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">李太太購買了</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">Discovery<span style="mso-spacerun: yes;"> </span>Claissic<span style="mso-spacerun: yes;">
</span>Core </span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">在</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">7</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">個月前帶小孩子去醫院住院進行牙科治療,在此期間醫院以及醫生費用保險公司都按照保險公司定價給予賠付,但是依據保險公司規定,此項治療在入院時需客戶自行承擔</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">R3,300</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">的自負額,保險公司不予索賠。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">Discovery Classic Core</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">選項為住院險</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">住院時給付至</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">200%,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">也就是保險公司標準費用的兩倍。此選項是</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">Discovery</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">住院險險種中最好的。然而由於醫生及麻醉師的費用高昂</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">甚至超過標準費用的兩倍</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">或者針對於特殊檢查或者特殊專科治療所需要的自付額,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">因此超過的部分要由客戶自行承擔。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">有鑑於此</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">我們建議您購買</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">Sirago</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">醫療</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">綜合</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">附加險</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">Ultimate
Gap</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"> </span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><span style="mso-spacerun: yes;"> </span>Cover),</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">配搭</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">您</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">現有的醫療保險。只要每月</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">235</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">的保費</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">全家即可享有住院時額外</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">5</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">00%</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">的保障</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">,每年不超過三次每次不超過</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">R15,000</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">的自付額索賠保障</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">專科醫生門診索賠福利保障以及癌症索賠福利。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU; mso-no-proof: yes;">保費</span></b><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU; mso-no-proof: yes;">:單身</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-no-proof: yes;">R210,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU; mso-no-proof: yes;">家庭</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-no-proof: yes;">R235</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU; mso-no-proof: yes;">每月</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-no-proof: yes;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">沒有最高投保年齡</span><span lang="ZH-CN" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"> </span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">–
</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">任何年齡皆可投保</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">包含住院眼科和牙科</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">包含麻醉師,婦產科,放射線科,病理學(驗血),其他專科醫生</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">家庭選項含蓋所有醫保陪伴受保人。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">可以跟任何醫保公司選項配搭</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">索賠直接付進投保人帳戶</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">標準三個月等候期</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(waiting period),</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">即投保後三個月內不能索賠</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">, </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">已有疾病</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(pre-existing
conditions)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">包括懷孕</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">有</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">12</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">個月的等候期。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN;">
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<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">福利</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Benefit<o:p></o:p></span></b></div>
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<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">每次索賠限額</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Incident Limit Per Claim<o:p></o:p></span></b></div>
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<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">每人每年次數</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Utilisation Per Beneficiary<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">保單年限額</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><br />
Overall Annual Limit<o:p></o:p></span></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">住院醫生費用差額</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Gap Cover<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">醫療保險標準費率之</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">500%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">無限</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Unlimited<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">無年限額</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> No Annual Limit<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">特定住院手術自付額</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">CoPay Cover<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R15,000<o:p></o:p></span></div>
</td>
<td rowspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">每年三次</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
<td rowspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R150,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">入院費</span><span lang="ZH-CN" style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> </span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><br />
Admission Fee Cover<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R5,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">醫生診所手術</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Out-patient Cover<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R3,500<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">每年三次</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R15,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">急診室緊急治療</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Emergency Room Cover<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R2,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">醫保法規定必保項目</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><br />
PMB Cover<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">不適用</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">不適用</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">無</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">癌症保險</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Cancer Cover<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R10,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 8;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">專科醫生門診</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Specialist Out-Patient Consultations<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R1,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">每年三次</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R5,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 9;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">醫院帳單差額</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Hospital Account Shortfalls<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R1,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">每年三次</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R5,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 10;">
<td colspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">體檢福利</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Preventative Care Cover<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R1,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">每年三次</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R5,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 11;">
<td rowspan="2" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 76.3pt;" valign="top" width="102">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">額外保障</span><span lang="ZH-CN" style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> </span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">(額外費用)</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 92.15pt;" valign="top" width="123">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">癌症治療自付額</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"> Cancer CoPay<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R50,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 12; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 92.15pt;" valign="top" width="123">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">精英選項</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">Elite<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 106.3pt;" valign="top" width="142">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 99.2pt;" valign="top" width="132">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.2pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun;">R25,000<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0pt 36pt;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></div>
<span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">醫生診所手術</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">索賠福利包括的治療清單</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">舉例</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">如下:</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">門診普外科手術,泌尿,眼科,耳鼻喉外科,整形外科,小兒外科,肝膽外科,心臟外科,普通心臟內科,神經內科,免疫類疾病,胃腸道類疾病,放射類治療,產科,高壓氧治療,必要的基礎類的腫瘤放療與化療,必要的基礎類的腎臟透析。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 10pt 36pt; mso-add-space: auto; mso-list: l1 level1 lfo2; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">癌症治療自負額福利</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">每月只需</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">再</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">額外支付</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;">R58.50</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">即可享受此索賠福利</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">舉例說明:某醫療保險癌症治療福利限額為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">R400,000, </span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">若超過此額度客戶</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">有</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">20%
</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">的自負額</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">。若</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">客戶已超支了此福利</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">R100,000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-hansi-font-family: PMingLiU;">,則自負額為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">R20,000</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">。此自付</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">R20,000</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">部分就可以向附加險公司索賠。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">標準排除不保項目</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-hansi-font-family: PMingLiU;">等</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">如下</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">:<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">危險運動</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">例如橄欖球</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">)</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">;</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">嘗試自殺</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> / </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">自造傷害</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">;</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">酒精及藥物濫用</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">;</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">肥胖</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> /
</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">不孕</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">;</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">愛滋病相關疾病</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">; </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">例行治療</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">例如慢性病治療</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">腎臟透析</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">)</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">; </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">放射線</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> / </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">核子武器</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> / </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">戰爭造成傷害</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW;">; </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">心理</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">/</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">精神治療</span><span lang="EN-US" style="font-family: SimSun; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-TW; mso-hansi-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">根據短期保險法規</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">保險公司有權利可在給予客戶一個月通知後調整保費。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">與醫療保險保費相比</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">此醫療附加險可說是物超所值</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">然而條件是投保人必須先有了醫療保險後才能購買此附加險。此醫療附加險可以與任何一家醫療保險配搭使用。</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-85480587089294565382015-07-02T11:38:00.000+02:002015-07-07T11:46:10.522+02:00361.保誠投資管理公司說明會 2015.07.02
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;"></span> </div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">保誠</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(Prudential)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">投資管理公司是南非投資業界的佼佼者,屬於英國保誠公司旗下子公司。在</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">月</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">日召開投資說明會。那天早上說明會也受到拉閘限電影響,所幸酒店會議中心有發電機,使會議能順利進行。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">保誠資產管理是南非前十大投資管理公司,管理超過</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">億蘭特資產。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1994</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年於南非設立,有</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">11</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">支基金。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">當天有四位講員,其說明內容如下:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">藍江尼</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(Johny
Lambridis)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">為法人核心股票組合經理,說明其公司投資理念。他強調品質並非永久。他將投資宇宙分為價值和品質。有的股票屬於高價值,有的股票屬於高品質。但高品質公司並非永久,因時間及環境改變,過去的高品質公司今天已沒落。而今天的高品質公司可能未來不再一樣。保誠注重的是投資高品質公司,但必須股價好。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">他舉例南非的</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Mr Price</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">零售公司,家喻戶曉,過去十年發展良好,成長快速。是保誠眼中的高品質公司。不過現在股價處於昂貴區間,因此脫手賣出。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">南非礦業公司,例如必和必拓,英美礦業,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Kumba</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">則屬於景氣循環公司,低品質,受全球經濟及礦價左右。現在股價為數年來低點,雖然看起來有價值,但仍存在許多投資風險。他說明南非金礦是夕陽工業,如過去的馬鞭業,相機膠片業(如柯達</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Kodak</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">),傳統手機(例如諾基亞),最終面臨被淘汰命運。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">他說明管理對一企業的重要角色。他以</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Naspers</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">納斯佩斯為例,納斯佩斯現今是備受投資界寵愛,但十年前不過就是一家南非媒體公司,主要經營報紙。但領導人看見報紙在數碼時代沒落趨勢,求新求變,開始往數碼媒體發展,並向海外發展。在多年前沒人想投資騰訊時,砸錢投資。如今,中國騰訊是主要入門網站,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">QQ</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">及微信服務為十億人愛用。納斯佩斯股價也跟著水漲船高,從</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">100</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">蘭特漲到現今</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">蘭特。公司市值達</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">7670</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">億蘭特,為南非最大上市公司。這真是南非企業傳奇!</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">最後,他說明其股票基金最看好的公司為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Old Mutual(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">老互助</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">),</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">納斯佩斯,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Investec(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">天達</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Netcare(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">醫院</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">),Datatec(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">科技</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">。保誠股票基金從</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1999</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年創立,至今給投資人</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">17.3</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">倍的回報,年化回報率</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">19.9%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">第二位講員馬三弟(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Sandile
Malinga</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">)是高利息基金經理,說明通貨膨脹率,利率及全球趨勢如何塑造其投資組合。他說明保誠固定收益投資流程,尋找價值。此基金主要投資政府債券,企業債券,貨幣市場,通脹連動債,上市房地產及海外債券。他認為全球通貨膨脹風險較低,全球央行懼怕滯漲風險。他認為美國工資上漲最終將拉升通貨膨脹率。美聯儲在今年下半年會升息,而南非也會跟著升息。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">現在保誠增強收益基金最大投資部位是貨幣,浮動利率債券及債券。海外債券占</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">10%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">比重。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2009</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年成立,過去</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年給投資人</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">67%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">回報率,平均年化為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">9.3%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,比銀行利息高。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5AQVLAxK5CG7krahQYeKlViePm1kYCGuDr6fAf-R1xC_OvVKWGdCJhU8mQ2jx2NlJS20Ail4bFVlt8u-JYkxYbAdTBpf_CxIZK4-guKoR5Tmh5f31_7EKbW9M7oxGvpsM4S6H1I6LWrA/s1600/150702+bernard+fick.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5AQVLAxK5CG7krahQYeKlViePm1kYCGuDr6fAf-R1xC_OvVKWGdCJhU8mQ2jx2NlJS20Ail4bFVlt8u-JYkxYbAdTBpf_CxIZK4-guKoR5Tmh5f31_7EKbW9M7oxGvpsM4S6H1I6LWrA/s320/150702+bernard+fick.jpg" width="320" /></a></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">第三位講師費伯納(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Bernard
Fick</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">)是保誠南非執行長,說明投资组合的资产配置定位和市场估值。他展示其公司各類基金有亮眼的表現,把基金種類分為低風險,中風險,高風險。低風險基金年回報率</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5.2%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">8.1%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,中風險基金回報率</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">14.1%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">19.1%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,高風險基金回報率</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">20.3%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">29.0%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">他認為政府債券及企業債券仍有價值,上市房地產及股市則顯昂貴。南非幣現值偏低。在國際市場上,認為新加坡,德國,香港,台灣,韓國及俄羅斯股市有價值,不過俄羅斯投資風險高。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">最後一位講員是種族關係機構研究負責人,莫樂愛</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(Lerato
Moloi)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">女士。她說明南非現今嚴峻情況,政治體系,尊重法律,教育體系,衛生,基礎設施等各方面的挑戰,並預測未來十年南非將走石板路,即道路顛簸。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-92012253272703912792015-06-22T23:24:00.000+02:002015-06-22T23:24:54.926+02:00360. 投資公司說明會 2015.06.25<div style="font-family: MingLiU; font-size: 12px;">
<span style="font-family: SimSun;">最近一兩個月我參加了多場各家投資管理公司說明會。在此我跟讀者分享兩家投資管理公司說明會的心得。首先是</span>Discovery<span style="font-family: SimSun;">投資,下一期是</span>Prudential<span style="font-family: SimSun;">保誠投資管理。</span></div>
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<span style="text-decoration: underline;">Discovery</span><span style="font-family: SimSun; text-decoration: underline;">投資管理</span></div>
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<span style="font-family: MingLiU;">Discovery</span>投資管理在<span style="font-family: MingLiU;">2007</span>年成立,在投資管理業中歷史算是嬰孩,但靠著<span style="font-family: MingLiU;">Discovery</span>的金字招牌,強力行銷,以及跟投資業老牌<span style="font-family: MingLiU;">Investec</span>天達投資管理合作,在短短<span style="font-family: MingLiU;">8</span>年已有<span style="font-family: MingLiU;">21</span>萬投資客戶,管理資產規模達<span style="font-family: MingLiU;">500</span>億蘭特。在南非每四個新投資保單就有一個是<span style="font-family: MingLiU;">Discovery</span>的,投資保單占<span style="font-family: MingLiU;">Discovery</span>投資業務之<span style="font-family: MingLiU;">28%</span>。其獨特創新整合福利,已為客戶省下<span style="font-family: MingLiU;">3.45</span>億元費用,並將在未來十年還給客戶<span style="font-family: MingLiU;">18</span>億蘭特紅利。</div>
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<span style="font-family: MingLiU;">Discovery</span>提供客戶的多資產配置基金計有:</div>
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<span style="font-family: MingLiU;">Discovery</span>平衡型基金,<span style="font-family: MingLiU;">2007</span>年成立。過去五年年回報率為<span style="font-family: MingLiU;">15.40%</span>。</div>
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<span style="font-family: MingLiU;">Discovery</span>穩健平衡基金,<span style="font-family: MingLiU;">2012</span>年成立。過去一年回報率為<span style="font-family: MingLiU;">15.74%</span>。</div>
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<span style="font-family: MingLiU;">Discovery</span>謹慎平衡基金,<span style="font-family: MingLiU;">2011</span>年成立。過去三年年回報率為<span style="font-family: MingLiU;">13.06%</span></div>
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<span style="font-family: MingLiU;">Discovery</span>最佳創意基金,<span style="font-family: MingLiU;">2011</span>年成立。過去三年年回報率<span style="font-family: MingLiU;">25.06%</span>。</div>
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<span style="font-family: MingLiU;">Discovery</span>的海外基金也為投資人創造豐碩回報。其<span style="font-family: MingLiU;">CROCI</span>海外基金系列過去三年皆達到超過<span style="font-family: MingLiU;">26%</span>每年的回報率。其環球平衡性傘狀基金及環球股票基金過去三年也有每年<span style="font-family: MingLiU;">23%</span>以上的亮眼回報率。</div>
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<span style="text-decoration: underline;">Discovery</span><span style="font-family: SimSun; text-decoration: underline;">美元退休金保單</span></div>
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<span style="font-family: MingLiU;">Discovery</span>推出美元退休金保單。在現今的經濟環境,每人都暴露在地方及全球市場走勢。在南非生活費用主要為住房,水電,天然氣和燃油,運輸,貨品及服務。我們消費的價格深受物價膨脹及匯率走勢影響。根據<span style="font-family: MingLiU;">Discovery</span>統計數字,從<span style="font-family: MingLiU;">2011</span>年至今,教育費用上漲<span style="font-family: MingLiU;">31%</span>,電子產品價格上漲<span style="font-family: MingLiU;">36%</span>,雜貨上漲<span style="font-family: MingLiU;">50%</span>,機票漲<span style="font-family: MingLiU;">51%</span>,燃油價漲<span style="font-family: MingLiU;">56%</span>。</div>
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有鑒於此,<span style="font-family: MingLiU;">Discovery</span>認為需要有相對應的理財計畫。<span style="font-family: MingLiU;">Discovery</span>推出南非第一個海外定期定額投資產品,讓客戶用硬通貨做退休計畫。與<span style="font-family: MingLiU;">Discovery</span>美元保單配搭,客戶可以在<span style="font-family: MingLiU;">65</span>歲之後將用不到的壽險保額轉換成現金支取。</div>
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美元退休金保單有三大獨特福利:</div>
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一.<span style="font-family: MingLiU;">65</span>歲以前,美元退休投資整合福利提供美元人壽保單客戶獲得<span style="font-family: MingLiU;">20%</span>至<span style="font-family: MingLiU;">80%</span>費用折扣。</div>
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二.在<span style="font-family: MingLiU;">65</span>歲時,客戶獲得最高達<span style="font-family: MingLiU;">40%</span>免稅美元壽險紅利。</div>
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三.<span style="font-family: MingLiU;">65</span>歲以後,客戶獲得從美元保額給付每年免稅紅利,金額為美元壽險紅利總額之十分之一。</div>
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<span style="text-decoration: underline;">Discovery</span><span style="font-family: SimSun; text-decoration: underline;">免稅靈活投資計畫</span></div>
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<span style="font-family: MingLiU;">Discovery</span>免稅靈活投資計畫是根據政府公佈,從今年三月一日起所有南非人可擁有免稅儲蓄帳戶而制定的。投資人投資此免稅靈活投資計畫,所有獲得的利息,股息,資本利得(增值)皆免稅。每人每年可投<span style="font-family: MingLiU;">3</span>萬蘭特,終身限額<span style="font-family: MingLiU;">50</span>萬蘭特。</div>
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單筆投資金額<span style="font-family: MingLiU;">R30,000,</span>定期定額每月<span style="font-family: MingLiU;">R850</span>起,最高<span style="font-family: MingLiU;">R2,500</span>每月。若投資<span style="font-family: MingLiU;">Discovery</span>基金,年管理費<span style="font-family: MingLiU;">0.35%</span>加<span style="font-family: MingLiU;">VAT</span>。若投資其他公司基金,年管理費<span style="font-family: MingLiU;">0.55%</span>加<span style="font-family: MingLiU;">VAT</span>。</div>
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<span style="text-decoration: underline;">Discovery</span><span style="font-family: SimSun; text-decoration: underline;">全球最佳創意基金</span></div>
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<span style="font-family: MingLiU;">Discovery</span>推出全球最佳創意基金,提供客戶投資全球標的物而獲得長期增值回報。此基金可以不受限的投資股票,債券,貨幣,區域。適合積極型投資人,追求高風險,高報酬。此基金偏重股市,現在投資南非及海外股票部位超過<span style="font-family: MingLiU;">80%</span>。靈活全球地域佈局,預計海外部位達<span style="font-family: MingLiU;">50%</span>。</div>
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此基金有時表現會低於同類基金,有時則優於同類基金,但長期來說應高於同類基金。</div>
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<span style="text-decoration: underline;">Discovery</span><span style="font-family: SimSun; text-decoration: underline;">謹慎平衡基金</span></div>
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<span style="font-family: MingLiU;">Discovery</span>謹慎平衡基金特色是投資股票部位不超過<span style="font-family: MingLiU;">40%</span>,海外部位不超過<span style="font-family: MingLiU;">25%</span>。重點關注收入增長和降低中期下行風險。符合退休金法第<span style="font-family: MingLiU;">28</span>條投資規範。此基金適合較保守投資人,中低報酬率,低風險。投資回報率較穩定,不會大起大落。</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-72770969120528347342015-06-16T22:10:00.000+02:002015-06-16T22:10:12.811+02:00359. 標准銀行證券部股票管理帳戶 2015.06.18
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">標准銀行是南非四大銀行之一,也是非洲銀行業界的佼佼者。中國工商銀行持有標准銀行</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">20%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">股份。標準銀行集團提供諸多金融業服務,包括商業銀行,投資銀行,產物保險,壽險業務</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">自由人壽</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">,資產管理(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Stanlib</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">)</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">證券業務。旗下的</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">SBG Securities</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">證券部提供高階客戶股票組合管理服務,其內容如下。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span><br />
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">SBG</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">證券是一家專注諮詢股票經紀人,提供構建投資組合專</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">業和</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">非常具體的諮詢,</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">市場知識,交易理念和見解,並定期與你個人互動。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">股票經紀</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">部擁有強大而</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">經驗豐富的團隊</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">,</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">幫助塑造你的投資組合</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">,</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">實現你的投資目標。我們認為這是一個充滿活力的合作夥伴關係,有綜合投資研究和精確的執行</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">交易加持。其結果是根據你的具體情況,您對市場條件看法和你對風險和收益做法而建構一個良好的投資組合。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">證券經紀</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun;">部</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">經驗的特點:</span></b><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;"></span><span title="Portfolio review:
">一。</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">投資組合回顧:</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"> </span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;"><span title="All portfolios receive a detailed and extensive
">所有投資組合至少每年兩次獲得我們股票經紀人一個詳盡而廣泛審查,</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">最</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">大</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">規模</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">投資組合</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">則享有</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">更頻繁地正式審查。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;"></span><span title="Proactive: We make it our business to contact you when
">二。</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">主動:我們</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">的職責是</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">在有</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">任何</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">發展可能影響你投資組合</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">內</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">股票價格</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">時第一時間與</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">你聯繫。</span><span title="We alert you to announcements or changes,
">我們提醒您通知或變化,我們討論潛在影響,並建議你投資組合的應對策略。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;"></span><span title="Dedicated team: You have a single point of contact and a
">三。專業團隊:你有一個單點聯繫和敬業的團隊監控您的投資組合。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;"></span><span title="Constant awareness: Your dedicated team remains aware of your
">四。不斷認</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">知</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">:你敬業的團隊</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">不斷認知</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">你具體的要求,你的</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">指令</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">和你任何特別關注</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">事項</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。</span><span title="The team makes sure that you are always well-informed.
">該小組將確保你總是消息靈通。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;"></span><span title="Compliance and governance support: We ensure that directors
">五。合規性和治理支持:我們確保上市公司董事的投資組合都不含任何潛在的利益或治理衝突。</span><span title="For directors of listed
">對上市公司董事,我們也能夠提供安全保管其雇主公司給予股份業務。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br style="mso-special-character: line-break;" />
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<span title="Stockbroking will develop and advise on specific portfolios
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<span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">標行</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">證券經紀</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">部提供</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">具體的投資組合以滿足您的各種</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">需求</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">。</span><span title="All of the well-established
">其中包括:</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span title="• Core Portfolio: An equity-only customised solution
">•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">保守股票組合:積極管理組合,旨在提供投資人中長期資本成長最大化,又</span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">重點關注資本保值</span>。過去三年年化回報率為</span><span class="shorttext"><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">25.4%</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">。</span></span><span class="shorttext"><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></span></div>
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">多元化股票組合:積極管理組合,旨在提供投資人中長期資本成長最大化,而中度風險</span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">。過去三年年化回報率為</span></span><span class="shorttext"><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">29.6%</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">。</span></span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">高收益投資組合:積極管理組合,旨在提供投資人</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">高股息收入</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">,</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">長期資本增值</span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">。追求股票</span></span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">投資達</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">4,5</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">%以上殖利率。</span><span title="Ideal for the investor seeking income
">非常適合追求投資收益之客戶。</span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">過去三年年化回報率為</span></span><span class="shorttext"><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">28.4%</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">。</span></span><span class="shorttext"><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">•</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">上市房地產投資組合:積極管理組合,投資上市房地產公司,旨在提供中長期回報率最大化,中度風險,提供收益給投資人。</span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">過去三年年化回報率為</span></span><span class="shorttext"><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun;">24.6</span></span><span class="shorttext"><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">%</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">。</span></span><span class="shorttext"><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"></span> </div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">有關標行證券管理服務細節:</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0pt 18pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="color: #222222; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">最低投資額:</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">50</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">萬蘭特</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 18pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="color: #222222; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">不需個人所得稅號也可以開戶</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
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<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 18pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="color: #222222; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">公司行號及信託也可以開戶</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0pt 18pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="color: #222222; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">年管理費(按月分攤,月底扣除):</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
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<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; mso-border-alt: solid black .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid black; mso-border-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">投資金額(蘭特)</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: black black black rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">管理費(另加</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">VAT</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">)</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">50</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">萬至</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">300</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">萬</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">1.50%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">300</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">萬至</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">600</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">萬</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">1.00%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">600</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">萬至</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">1500</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">萬</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">0.80%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">超過</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">1500</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">萬</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 221.4pt;" valign="top" width="295">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">0.60%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0pt 18pt; mso-add-space: auto; mso-list: l1 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="color: #222222; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">買賣股票證券經紀手續費</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">0.57%</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">,買股票時有證券交易稅千分之</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">2.5</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">,證交所</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">STRATE</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">稅捐</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">R10</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">至</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">R60,</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">投資人保護稅</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";">0.0002%</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 18pt; mso-add-space: auto; mso-list: l1 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="color: #222222; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">股票組合管理簽約一年為一期。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 18pt; mso-add-space: auto; mso-list: l1 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="color: #222222; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">每月報表說明交易明細,利息,股息,企業行動。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 18pt; mso-add-space: auto; mso-list: l1 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="color: #222222; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">每年,或臨時提供增值及收益表,供申報所得稅使用。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<br />
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</span></span></span><!--[endif]--><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">我們股票經紀人有現場交易和</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun;">即時</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">新聞</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">環境,因此可以有效地管理任何交易</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">銷售</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-hansi-font-family: Arial;">股票</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">所得款項五個工作日內轉入您指定的銀行賬戶</span><span lang="ZH-TW" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun;">投資</span><span lang="EN-US" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun;">500</span><span lang="ZH-CN" style="color: #222222; font-family: SimSun; mso-bidi-font-family: SimSun;">萬蘭特以上客戶可享有個人化管理股票組合,也可投資海外股票。</span><span lang="EN-US" style="color: #222222; font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
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</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-6812280993364275422015-06-08T22:11:00.000+02:002015-06-16T22:11:54.572+02:00358. 非洲最好的高中排行榜 2015.06.11
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">最近在南非廣播電臺</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">947</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">聽到有非洲前一百名高中排行榜。我在此轉載,跟讀者分享。請注意此排名評估是根據每一家高中歷史長短,在國家及區域的知名度。這排名並非絕對權威,所以並不代表榜上無名的學校就不夠好,不過就供讀者參考,特別是有年輕兒女的家長可以留意這些榜上學校。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">這前一百名高中有</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">36</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">所在南非,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">14</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">所在津巴布韋,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">所加納,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">8</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">所肯尼亞。排名如下:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">1. Grey College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非布魯方登</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">2. Rift Valley Academy </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">肯尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">3. King Edward VII School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非約堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">4. Hilton College</span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非彼得馬裏茲堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">5. St. George’s College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">6. Prince Edward School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">7. International School of </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">肯尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">8. Accra Academy </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">加納</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">9. Lycée Lamine Guèye </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">塞內加爾</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">10. Adisadel College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">加納</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">11. St John’s College Houghton </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非約堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">12. Maritzburg College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非彼得馬裏茲堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">13. Lycée Guebre Mariam Ethiopia<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">14. Selborne College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非東倫敦</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">15. St Alban’s College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非比陀</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">16. Lycée Lyautey Morocco<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">17. Durban High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非德本</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">18. Grey High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非伊莉莎白港</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">19. St Andrew`s College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">Grahamstown<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">20. Gateway High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">21. Glenwood High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非德本</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">22. Rainbow International School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">烏干達</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">23. Lycée Moulay Youssef </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">摩洛哥</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">24. Kearsney College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非德本</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">25. St. James High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">26. Wynberg Boys High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非開普敦</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">27. Pretoria Boys High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非比陀</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">28. Lycée Français de Tananarive Madagascar<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">29. Mauritius College of the Air </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">毛里求斯</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">30. International School Moshi </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">坦桑尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">31. Le Collège Mermoz </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">象牙海岸</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">32. Strathmore School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">肯尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">33. Parktown Boys’ High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非約堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">34. International School of Tanganyika </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">坦桑尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">35. Holy Child School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">加納</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">36. Christ The King College Onitsha </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">尼日利亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">37. Graeme College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">Grahamstown<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">38. Jeppe High School for Boys </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非約堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">39. Alliance High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">肯尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">40. Hillcrest School Jos </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">尼日利亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">41. Kingswood College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">Grahamstown<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">42. Hamilton High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">43. Lincoln International School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">烏干達</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">44. Lycée Victor Hugo </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">摩洛哥</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">45. Alexandra High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非彼得馬裏茲堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">46. École Normale Supérieure Guinea<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">47. Ghana International School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">加納</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">48. Arundel School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">49. Rondebosch Boys’ High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非開普敦</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">50. Starehe Boys’ Centre </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">肯尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">51. American International School of Johannesburg </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非約堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">52. Victoria Park High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非伊莉莎白港</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">53. Methodist Boys High School Sierra Leone<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">54. Harare International School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">55. Methodist Girls High School Sierra Leone<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">56. Lenana School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">肯尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">57. St. Andrew’s High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">馬拉威</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">58. Benoni High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非約堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">59. Waddilove High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">60. Roedean School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非約堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">61. Wykeham Collegiate Independent School for Girls
</span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非彼得馬裏茲堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">62. Lycee Francais du Caire </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">埃及</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">63. Christian Brothers’ College Bulawayo </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">64. Kamuzu Academy </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">馬拉威</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">65. Mount Pleasant High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">66. Mfantsipim School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">加納</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">67. Chisipite Senior School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">68. Gayaza High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">烏干達</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">69. Kutama College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">70. Wheelus High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">利比亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">71. Michaelhouse School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非彼得馬裏茲堡</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">72. Westville Boys’ High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非德本</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">73. Namilyango College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">烏干達</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">74. Government College Umuahia </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">尼日利亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">75. Muir College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非伊莉莎白港</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">76. Wesley Girls High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">加納</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">77. Alexander Sinton High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非開普敦</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">78. Lycée Faidherbe </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">塞內加爾</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">79. Royal College Port Louis </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">毛里求斯</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">80. Lycée La Fontaine Niger<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">81. Lycée Lyautey de Casablanca </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">摩洛哥</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">82. Settlers High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非開普敦</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">83. Nyeri High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">肯尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">84. Pinetown Boys’ High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非德本</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">85. Kings’ College Lagos </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">尼日利亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">86. Lycée Français Liberté Mali<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">87. Paarl Boys’ High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非開普敦</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">88. St. Paul’s College Namibia<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">89. Tafari Makonnen School Ethiopia<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">90. Wynberg Girls’ High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非開普敦</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">91. Bingham Academy Ethiopia<o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">92. Port Shepstone High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非德本往南</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">93. Clapham High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非比陀</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">94. Hillcrest Secondary School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">肯尼亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">95. South African College School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非開普敦</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">96. Lycée Blaise Diagne </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">塞內加爾</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">97. St Mary’s Diocesan School for Girls </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">南非比陀</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">98. Townsend High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">99. St.Gregory’s College </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">尼日利亞</span><span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="EN-US" style="mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-TW;">100. Allan Wilson High School </span><span lang="ZH-TW" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;">津巴布韋</span><span lang="EN-US" style="font-family: SimSun; mso-bidi-font-family: SimSun; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-1852021559863175287.post-75291011125755262672015-06-02T05:58:00.000+02:002015-06-02T05:58:42.450+02:00357. Investors Trust外幣投資 2015.06.04<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">最近三年,由於南非幣貶值超過</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">50%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">,且南非經濟由於各種不利因素,成長緩慢。有許多讀者不看好在南非的投資,因此想將錢投資在國外。南非各大銀行及投資管理公司有提供境外投資產品,用美元或英鎊等幣別計價,不過投資通常是一次性單筆投資,而沒有提供定期定額,每月供款方式。筆者在這裏提供一家</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Investors Trust</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">外幣投資產品供讀者參考。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span><br />
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Investors Trust(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">投資人信託</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">是一家設立於英屬開曼群島的保險公司。英屬開曼群島是全球知名的避稅天堂。亞洲第一首富李嘉誠最近其集團重組,新公司就是設立在開曼群島。開曼群島是全球金融中心之一,有超過</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">500</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">家銀行,保險公司及資產管理公司設立總公司或子公司於此地。有良好的金融保險法規。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Investors Trust</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">投资人信托是一家保險公司,專注提供多元化的投資選擇。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Investors Trust Assurance SPC</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">公司</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"> (</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">簡稱</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">ITA)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">,為開曼群島金管會認證許可持有執照,並受嚴格管理的國際保險公司。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">ITA</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">專精於投資型保險產品,並以卓越的客戶服務,在國際金融市場贏得領導地位。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">ITA</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">也受貝氏</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">A.M.BestCompany</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">評鑑為「安全嚴謹」的公司。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">透過世界各地服務處對客戶的協助,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">ITA</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">讓全球的計劃持有人與國際金融市場接軌。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">ITA</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">同時不斷創新及投資於新科技,以提供客戶在網路上能夠自主管理所投資之產品。其服務處設立在北美,南美,吉隆坡及香港。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">ITA</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">與多位世界頂尖的資產經理人合作,提供開放式的平台讓客戶享有絕佳的投資環境,無慮替自己快樂舒適的退休生活以與後代的未來做規劃。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"> <o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">ITA</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">專精為國際投資人設計中至長期投資型保險產品。產品主要以資金流動彈性化與節稅的優勢,為各年齡及各階層人士量身訂做完整的個人財務規劃。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">投資人信託提供多國語言支援,以及業界領先之全方位網路平台服務。其網頁有中文介面,方便華人客戶自行操作查詢。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">其</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Evolution</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">益富投資計畫是定期定額投資計畫。說明“決定定期儲蓄金額,並持續地投資於您的理財投資目標上對您而言是重要的。您每年的投資金額,將是影響您規劃未來最重要的因素。越早開始儲蓄計劃,複利效應越強,財富累積越豐厚。善用時間複利,小額投資也能累積可觀財富。”</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Evolution</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">益富投資計畫產品特色是:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">定期定額投資</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">投資年期:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">5</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">、</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">10</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">、</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">15</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">、</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">20</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">、和</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">25</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">年</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">貨幣選擇:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">USD($</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">美元</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">、</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">EUR(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">€歐元</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">、</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">GBP (£</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">英鎊</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">)<o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">最低投資額:每年</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">1200</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">美元。若是五年期,每年</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">2400</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">美元。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">供款頻率為每年、每半年、每季、每月</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">可用信用卡供款</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">透明合理的收費架構</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">多元化的基金投資選擇</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Evolution</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">益富投資計畫還提供額外優惠:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">一。紅利分配:計劃供款越高,客戶所獲得的紅利也更高!當年度投資金額超過特定額度時,您將能在計劃期間內獲得紅利。此額外紅利分配能幫助您更快達到財務規劃的目標!</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman"; text-transform: uppercase;">二.忠誠紅</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN; mso-bidi-font-family: SimSun; text-transform: uppercase;">利:客戶投資年期若為十年以上,則第一個十年底得</span><span lang="EN" style="font-family: SimSun; mso-ansi-language: EN; mso-bidi-font-family: SimSun; text-transform: uppercase;">7.5%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN; mso-bidi-font-family: SimSun; text-transform: uppercase;">忠誠紅利,之後每五年得</span><span lang="EN" style="font-family: SimSun; mso-ansi-language: EN; mso-bidi-font-family: SimSun; text-transform: uppercase;">5%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN; mso-bidi-font-family: SimSun; text-transform: uppercase;">忠誠紅利。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">其平台的資產經理人計有</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">14</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">家全球知名品牌:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Alliance Bernstein</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">聯博,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Black Rock</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">貝萊德,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Fidelity</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">富達,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">GAM, Investec</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">天達,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Franklin Templeton</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">富蘭克林坦伯頓,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Henderson</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">亨德森,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">iShares</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">指數基金,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">MFS</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">全盛</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">, Man</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">英仕曼,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Morgan Stanley</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">摩根士丹利,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Permal</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">博茂,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Pictet</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">百達,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Standard & Poors</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">標普。提供約</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">120</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">支基金供投資人選擇。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">瀏覽其基金清單,便可發現有各類基金,從全球基金,區域基金(例如亞洲基金,東協基金),單一國家基金(例如中國,韓國,日本),資產基金(例如債券,房地產)到產業基金(例如生技,全球品牌,水資源),包羅萬象。過去三年績效最好為富蘭克林生化科技基金,回報率</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">40.199%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">每年!次好也是生技的聯博國際醫療基金,回報率</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">20.885%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">每年。這是美元計價回報。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">最差的是貝萊德全球金礦,回報率負</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">23.589%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">每年!次差也是金礦,天達全球金礦,回報率負</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">22.111%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">每年。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">過去一年最好的為英仕曼</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">AHL</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">多元化基金,回報率</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">48.469%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p> </o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">在此要跟讀者說明,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Investors Trust</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">投資人信託受開曼群島金管會管理,沒有在南非設立辦事處,不受南非金融管理處規範,不是南非金管處核准投資產品。若投資人有問題要投訴,需寫信致開曼群島金管會。</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-66952701316386039942015-05-25T08:26:00.000+02:002015-05-20T08:26:31.298+02:00356. 長期投資的威力 2015.05.28<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">我們從</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2013</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年開始追蹤報導</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">某些客戶投資回報實例,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">得到讀者的迴響。</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">今年</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">我們繼續</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">追蹤這些客戶投資表現如何。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">本公司在投資理財服務方面有長久優良歷史,給客戶專業建議,讓客戶獲利避險。我想用一下本公司某些客戶的實例,讓數字說話,也讓讀者了解,找對了理財規劃師,投資好的理財產品,投資能夠有穩健豐厚的回報。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">以下是一些單筆一次性投資客戶實例:</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">投資人</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 54.8pt;" width="73"><div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">投資產品</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">開始日期</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">投資金額</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">現值</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 55.65pt;" width="74"><div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">獲利</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 48.6pt;" width="65"><div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">纍計回報率</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 49pt;" width="65"><div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">年化回報率</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 27.75pt; padding: 0cm 5.4pt; width: 44.95pt;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">K</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">先生</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 54.8pt;" width="73"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">投資型保單</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 64.6pt;" width="86"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2013.01.06<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,000,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 61.3pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,609,674<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 55.65pt;" valign="top" width="74"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R609,674<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 48.6pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">30%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 49pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">11.92%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 27.75pt; mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 27.75pt; padding: 0cm 5.4pt; width: 44.95pt;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Y</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">女士</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 54.8pt;" width="73"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">投資型保單</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 64.6pt;" width="86"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2012.01.12<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R400,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 61.3pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R601,534<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 55.65pt;" valign="top" width="74"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R201,534<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 48.6pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">50%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 49pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12.96%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 27.75pt; mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 27.75pt; padding: 0cm 5.4pt; width: 44.95pt;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Y</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">先生</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 54.8pt;" width="73"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">退休保存基金</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 64.6pt;" width="86"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2006.02.02<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">R
397,186<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 61.3pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R1,387,163<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 55.65pt;" valign="top" width="74"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R989,977<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 48.6pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">249%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 49pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">14.41%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 30.75pt; mso-yfti-irow: 4;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 30.75pt; padding: 0cm 5.4pt; width: 44.95pt;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">S</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">女士</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 54.8pt;" width="73"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">教育基金</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 64.6pt;" width="86"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2008.02.05<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">R
25,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 61.3pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R58,437<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 55.65pt;" valign="top" width="74"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R33,437<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 48.6pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">134%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 49pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12.37%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 15.75pt; mso-yfti-irow: 5;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 15.75pt; padding: 0cm 5.4pt; width: 44.95pt;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">C</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">女士</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 54.8pt;" width="73"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">基金</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 64.6pt;" width="86"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2004.06.23<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">R
70,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 61.3pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R306,514<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 55.65pt;" valign="top" width="74"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R236,514<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 48.6pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">338%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 49pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">14.51%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 30.75pt; mso-yfti-irow: 6;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 30.75pt; padding: 0cm 5.4pt; width: 44.95pt;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Z</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">先生</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 54.8pt;" width="73"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">養老保險</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 64.6pt;" width="86"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2010.10.19<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">R
100,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 61.3pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R171,486<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 55.65pt;" valign="top" width="74"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R71,486<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 48.6pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">71%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 49pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12.50%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 30.75pt; mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 30.75pt; padding: 0cm 5.4pt; width: 44.95pt;" width="60"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">W</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">小姐</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 54.8pt;" width="73"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">投資型保單</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 64.6pt;" width="86"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2010.10.15<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 61.3pt;" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">R
100,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 61.3pt;" valign="top" width="82"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R169,340<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 55.65pt;" valign="top" width="74"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R69,340<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 48.6pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">69%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 49pt;" valign="top" width="65"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12.16%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0cm 0cm 10pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">上表中的</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">Y</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">先生,從</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2006</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月起投退休保存基金,金額近</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">40</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">9</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年後的今天,其投資已增長至</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R1,387,163,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">獲利</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R989,977</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。平均年回報率為</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">14.41%<o:p></o:p></span></div>
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">又如</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">Y</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">女士,於</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2012</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">1</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月購買一份</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">40</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬蘭特投資型保單。近三年半的時間,投資增長至</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R601,534,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">獲利</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R201,534</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。平均年回報率為</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12.96%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0cm 0cm 10pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">若客戶用每月從銀行帳戶扣款轉賬方式投資,長期也能夠有可觀的收益,實例如下:</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin: auto auto auto 4.65pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184; width: 596px;">
<tbody>
<tr style="height: 27.75pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid windowtext; height: 27.75pt; padding: 0cm 5.4pt; width: 48pt;" width="64"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">投資人</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 59pt;" width="79"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">投資產品</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">開始日期</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 63.75pt;" width="85"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">投資金額</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">總計投入金額</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">現值</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">獲利</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; height: 27.75pt; padding: 0cm 5.4pt; width: 49.65pt;" width="66"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">年化回報率</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 15.75pt; mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 15.75pt; padding: 0cm 5.4pt; width: 48pt;" width="64"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">C</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">小姐</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 59pt;" width="79"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;">基金</span><span style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2007.9.18<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 63.75pt;" width="85"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">1000/</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">月起</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R109,210</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R169,138</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R59,928</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 49.65pt;" width="66"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">11.93%</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 30.75pt; mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 30.75pt; padding: 0cm 5.4pt; width: 48pt;" width="64"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">C</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">先生</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 59pt;" width="79"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">投資型保單</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2007.10.2<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 63.75pt;" width="85"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">1000/</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">月起</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R110,064</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R179,543</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R69,479</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 49.65pt;" width="66"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">13.27%</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 15.75pt; mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 15.75pt; padding: 0cm 5.4pt; width: 48pt;" width="64"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">T</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">小姐</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 59pt;" width="79"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">養老保險</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2011.11.2<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 63.75pt;" width="85"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">800/</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">月起</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R36,746</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R45,161</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R8,415</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 49.65pt;" width="66"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">12.13%</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 30.75pt; mso-yfti-irow: 4;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 30.75pt; padding: 0cm 5.4pt; width: 48pt;" width="64"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">L</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">先生</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 59pt;" width="79"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">投資型保單</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2010.2.1<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 63.75pt;" width="85"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">5000/</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">月起</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R354,980</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R524,985</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R170,005</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 30.75pt; padding: 0cm 5.4pt; width: 49.65pt;" width="66"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">15.59%</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<tr style="height: 15.75pt; mso-yfti-irow: 5; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; height: 15.75pt; padding: 0cm 5.4pt; width: 48pt;" width="64"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">L</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">女士</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 59pt;" width="79"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">教育基金</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">2009.</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">11</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">.</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 63.75pt;" width="85"><div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">24000</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">/</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 11pt; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年</span><span lang="ZH-CN" style="font-family: MingLiU; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU;">起</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R185,174</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R281,688</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 2cm;" width="76"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">R96,514</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; height: 15.75pt; padding: 0cm 5.4pt; width: 49.65pt;" width="66"><div align="right" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: right;">
<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11pt;">15.28%</span><span style="font-family: "Calibri","sans-serif"; font-size: 11pt; mso-ansi-language: EN-ZA; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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</tbody></table>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0cm 0cm 10pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">上表中的</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">C</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">小姐,從</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2007</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">9</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月開始購買基金,每月</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R1,000,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">每年投資金額遞增</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">5%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。過去</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">7</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年半的時間總計投入</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R109,210,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">基金現值</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R169,138,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">獲利</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R59,928,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">平均年回報率為</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">11.93%.<o:p></o:p></span></div>
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">又如</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">L</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">先生,</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2010</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月起買投資型保單,每月</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R5,000,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">每年投資額按通貨膨脹率遞增(約</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">5%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">)。過去</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">5</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年總計投入</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R354,980,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">保單現值</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R524,985,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">獲利</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R170,005</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。平均年回報率為</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">15.5</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">9</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">%.<o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0cm 0cm 10pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">值得一提的是,以上客戶投資實際回報率皆勝過銀行存款利率。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">買投資理財產品,讀者應注意以下重點:</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<!--[if !supportLists]--><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-bidi-font-family: SimSun; mso-bidi-theme-font: minor-fareast; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><span style="mso-list: Ignore;">一.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">該類理財產品是否符合自己理財需求。例如想為孩子將來教育存錢,那麼就應該買兒女教育基金。養老保險保單就不適合了。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-bidi-font-family: SimSun; mso-bidi-theme-font: minor-fareast; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><span style="mso-list: Ignore;">二.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">若在期滿前取消投資,是否有解約金?</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-bidi-font-family: SimSun; mso-bidi-theme-font: minor-fareast; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><span style="mso-list: Ignore;">三.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">投資不要短視,而要放長線釣大魚。讓時間成為你賺大錢的好朋友。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-bidi-font-family: SimSun; mso-bidi-theme-font: minor-fareast; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><span style="mso-list: Ignore;">四.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">保險理財經紀,不論是銀行,保險公司或獨立代理,所給與的投資報酬率數字是否實在?有的保險理財經紀給予客戶誇大不實的投資回報率和投資回報數字,藉以吸引客戶上鉤。過了幾年,客戶發現實際投資回報與保險理財經紀當初所給數字差很多,想要找理財經紀理論,才發現理財經紀不做了,而投訴無門。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-2485531851163625702015-05-20T05:14:00.000+02:002015-05-20T05:14:06.074+02:00355. NAMPO南非年度農業展 2015.05.21
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">讀者可能不知道南非有一個大型農業展,每年舉辦一次,佔地</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">40</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">個足球場大,是南半球最大的農業展會吧?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">這個農業展會叫</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">NAMPO, </span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">或</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">NAMPO</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">收割節。起源於</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1967</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年,從</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1974</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年起在自由州省布他維爾小鎮旁的永久場地舉辦。每年五月份,在農夫收割之後舉辦,因此稱為收割節。主辦單位為南非糧食協會,提供農夫,農具供應商,運輸工具供應商,農業科技,銀行,其他國家農會,零售業,戶外用品商,各類牲畜品種供應商交易平台。今年舉辦自</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">月</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">日至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">15</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">日,四天時間。約有</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">7</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">萬名訪客。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">我去年拜會南非糧食協會執行長,才得知有此盛會。今年第一次參加此農業展,從約堡開車到展示會場約三小時,先走</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">N12</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">經過</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Potchefstroom</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">波傑斯准小城,之後再往南走</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">在到布他維爾鎮之前就會看到</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">NAMPO</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">展覽會場。以下用一些照片跟讀者分享此盛會內容。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">筆者在入口處留影</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">有錢的農場主搭乘小型私人飛機來到展會</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">價值</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">190</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">萬蘭特卡車頭展示</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">John Deere</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">約翰迪爾農具</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">我想這是收割機吧?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-6448234211625589892015-05-12T22:13:00.001+02:002015-05-12T22:13:30.749+02:00354. 非洲時報十週年賀稿2015.05.14非洲時報創刊十周年了!上禮拜六應邀請,參加非洲時報十週年慶典。看見非洲時報一路走過來,從無到有,從幼嫩到壯碩,從報紙,到網站,到微信公眾號,到現在發展手機App客戶端,多媒體的服務讀者。建立華人世界,以及華人與南非當地社會溝通的管道,傳播新聞時事,發揮傳媒影響力,功不可沒。 <br />
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在慶典會場入口陳列梁副社長過去十年拍攝的照片剪輯,彰顯許多精彩片段,有華人社會活動,官方活動,南非花卉風景,選美活動,2010世足賽,南非領導人,金磚國家高峰會。這些照片勾起了過去愉快的回憶,一些嚴肅的回憶。一張照片顯示已故利比亞領導人格達費,曾經風光一時,因著阿拉伯之春革命運動及歐美國家推波助瀾,至終被殺,令人不勝唏噓。 非洲時報的同仁,編輯們,記者們,都用盡心思捕捉新聞,要將最精彩的內容呈現給讀者。打開非洲時報,可以讀到南非當地社會最新的新聞,法律的更新,名人軼事。有南非華人社會活動花絮,有中國大地新聞,台灣新聞,港澳新聞,國際新聞。養生知識,文藝,綜藝等。內容五花八門,包羅萬象。還有廣告版面,分類廣告,服務華人,搭起推銷服務,商業買賣,租房,買房,招聘徵才的橋樑。<br />
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我們公司在非洲時報每週刊登德博理財專欄,至今已有八年了。在2007年初,透過歐陽菁先生介紹,認識那時在非洲時報負責報社工作的華儉宏老師,而開始了在非洲時報刊登廣告,以及開始了理財專欄。德博理財專欄的主旨在服務南非的廣大華人同胞,期盼引領華人走向穩健理財之路。本理財專欄提供各種保險理財信息,從理財規劃,退休規劃,人壽保險,殘障險,財產保險,車險,火險,基金投資,股票分析,教育基金,醫療保險,員工福利,稅務,商機交流,行車安全,事故處理,到財富管理。為幫助南非華人了解南非保險,理財,稅務機制,融入南非社會,成為良好居民或公民,藉著合適的保險理財產品打下穩固的個人財富基礎。 <br />
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在這八年期間,我們得到讀者的反饋,客戶的支持,報社領導的鼓勵及建議。我們衷心的感謝。有些讀者更成為我們最忠實的讀者。有一位客戶將我們在報紙上的每一期專欄文章都剪下來,整整齊齊的貼在檔案夾裏,在一個機會中拿給我看,我感動不已! <br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">我們珍惜與非洲時報長期的合作,共同服務南非僑界。在此慶賀非洲時報十週年之際,我衷心祝福非洲時報在未來的十年裏繼續成長茁壯,造福在非洲的僑民!而且不但有第二個十年,還有第三個,第四個,第五個,更多的十年!</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-22008912983845794822015-05-04T17:32:00.000+02:002015-05-04T17:32:11.450+02:00 我車子保險都沒有理賠,為什麼保費還增加?
<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">這是許多客戶常問的問題。照常理</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">車子一直在折舊</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">價值下跌</span><span style="font-family: Calibri;">;</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">另一方面</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">保戶紀錄良好</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">過去一年沒有索賠。從這兩因素看來</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">保費應當下降才對。</span><o:p></o:p><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">但事實上</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">幾乎所有保戶的經歷皆相同</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">即每年保費只有上漲</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">沒有下跌。這是為什麼呢</span><span style="font-family: Calibri;">?</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">總結有以下原因:</span><o:p></o:p></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">一</span><span style="font-family: Calibri;">. </span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">南非的交通狀況每下愈況</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">諸如許多駕駛人不守交通規則</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">駕駛人的駕照不是正式考取</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">而是「買得」的</span><span style="font-family: Calibri;">;</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">許多車輛老舊</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">或缺乏良好保養</span><span style="font-family: Calibri;">;</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">加上各處建設施工</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">道路挖挖補補</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">且路標不明。這些因素都造成車輛保險理賠率年年遞增</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">保險公司被迫採取因應措施</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">提高保戶保費。</span><o:p></o:p></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">二.根據保險業數據,大部分車險索賠是因車禍,而車輛需要修復。修車的成本有兩大方面:零件成本及勞工成本。南非汽車零件絕大部分仰賴進口,南非幣貶值造成零件價格上揚。另一方面,勞工成本也跟著通貨膨脹每年調升。所以修車成本不降反升。保險公司理賠成本增加,因此必須調漲保費。</span><o:p></o:p></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">三</span><span style="font-family: Calibri;">. </span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">南非有些保險公司的保費計算還不夠科學、精算。雖然產物險公司在越來越多其內部管理方面使用精算師的專業技術</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">但因傳統的包袱、市場的競爭和資料的不完整而使其保費計算不精確。</span><o:p></o:p></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">四</span><span style="font-family: Calibri;">. </span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">有的保險公司以超低的保費吸引客戶</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">而從第二年開始保費跳漲以彌補第一年的超低保費。</span><o:p></o:p></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">五</span><span style="font-family: Calibri;">. </span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">保險公司的客服態度仍需加強。根據我們的觀察</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">一旦你成為保險公司的客戶後</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">保險公司就視你如”待宰的肥羊”</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">任憑宰割。因此他們每年調漲保費</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">想從已有客戶賺更多的錢。照道理說</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">他們應重視保險多年的忠實客戶</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">給予其禮遇的待遇</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">然而卻很少見到他們在保費上提供什麼優惠。</span><o:p></o:p></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">綜合以上的分析</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">我們建議讀者至少每三年重新做保險報價</span><span style="font-family: Calibri;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">以確保你的保費仍然合理。</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-84039873700903835272015-04-20T14:21:00.000+02:002015-04-20T14:21:57.738+02:00352. 2015南非投資論壇大會 2015.04.23
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">南非投資論壇大會是投資業界年度盛事之一,每年在距離約堡兩百公里的太陽城舉辦,投資管理公司執行長,經理,分析師,經濟師,及眾多理財顧問齊聚一堂,兩天的研討,簡報,演講,交流,讓與會者了解各家投資理念及觀點,對現今投資環境及未來展望評估,以求對投資管理有清楚思路,運籌帷幄。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">今年三月</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">17</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">及</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">18</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">日兩天,筆者第三度參加此投資論壇盛會。總計有</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">18</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">家國內外資產管理公司參與,包括南非知名的</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Allan Gray</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">(艾倫格勒),</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Coronation(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">加冕</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Investec(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">天達</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">,也有全球知名的富蘭克林,富達(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Fidelity</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">)和施羅德</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">(Schroders)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">。與會者有一千人。由南非電視財經頻道名嘴林西</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">.</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">威廉主持。以下筆者綜合整理此次投資大會的重點:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">一.全球宏觀經濟</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">全球經濟發展不均。美國</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">QE</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">後經濟成長力道增強,但強勢美元將損害其出口。中國經濟轉型,成長率下降,連帶減少礦產需求,導致礦產價格下跌。石油價格自去年下半年起急劇下跌,全球經濟重新洗盤,有利石油進口國。全球不會因油價下跌而有通縮問題。歐洲有歐元貶值加持,刺激出口,有利經濟復甦。鐵礦砂價可能會維持在</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">50</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">美元左右,油價則會升回</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">100</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">美元。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">過去幾年全球央行印鈔達到全球股市市值三分之一,現在全球債市泡沫化。中國崛起導致全球經濟洗盤。但中國投資過剩,需未來幾年消化。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">施羅德喜歡對美國外銷國家,不愛礦產國家如巴西,南非,喜歡印度,台灣,南韓及波蘭。貨幣戰爭,可能會導致保護主義抬頭,國家提高關稅。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"></span> </div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">二.資產配置基金</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">資產配置基金是南非基金投資主流,是各大小基金管理公司兵家必爭之地。總計有六家上台發表觀點:艾倫格勒,加冕,富得,天達,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">ABAX</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Prudential</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">保誠。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">富得被詢問其基金經理人未來繼承問題。而主持人質疑基金公司沒有足夠海外股市及債券研究能力,因海外市場比南非市場大得多。基金公司則說明並捍衛自己研究專業能力。管理南非最大平衡型基金的艾倫格勒公司專注在為客戶賺錢,避開風險,而不在乎競爭對手在做什麼。保誠投資則持不同投資理念,以基準比重為出發點,比較各類資產,注重策略資產配置。大部分資產管理公司認為客戶應調降未來三年預期回報率。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">整體來說,艾倫格勒投資最保守,加冕持股具防禦型,而富得投資較積極。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">三.股票基金</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">股票基金也是各大小基金管理公司兵家必爭之地,總計現有</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">182</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">支股票型基金。總計有六家公司上台發表觀點:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">36One,Old Mutual, </span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">保誠,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">PSG,RECM,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">標行旗下</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Stanlib</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">。這六家過去五年績效排名為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">36One(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">第一名</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">PSG,Stanlib,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">保誠,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Old Mutual,RECM</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">36One</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">專注優良公司,良好前景。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">Old Mutual</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">專注基本面評估。保誠專注相比評價。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">PSG</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">專注價值投資,喜愛管理良好,被低估的公司。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">整體來說,筆者更青睞保誠及</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">PSG</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">這兩家公司投資執行能力。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">四.海外基金</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">由於南非幣過去三年大貶,許多人也不看好南非幣前景,因此海外基金為投資人所喜愛。總計有六家公司上台發表觀點:加冕,富達,富蘭克林,天達,歐比斯,施羅德。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">施羅德看好英國教育公司。歐比斯看好南韓三星,天達看好微軟,富蘭克林看好南韓,歐洲。富達看好歐洲,非必需消費品。加冕看好投資管理公司,新興市場私有公司。值得一提的是,沒有任何資產管理公司看好美股,認為美國股市偏高。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">全球股票基金費用在</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">0.75%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">0.6%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">之間,指數型基金</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">0.15%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">。相形之下絕大部分南非市場的海外基金收費偏高,達</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">2%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;">3%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun;"><o:p></o:p></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-22360022500440881852015-04-13T22:20:00.000+02:002015-04-13T22:21:23.273+02:00351. Discovery美元保單 2015.04.16<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">為了因應許多高階客戶的需求,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">於去年推出了美元保單。這在南非是業界第一。究竟為什麼</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">要推出美元保單?它又有什麼特色呢?讓我們來探尋。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">認為客戶或在全球村,世界經濟的整合,物資暢通流動,交通便利,讓客戶機動性增加。今天,專業人士或生意人可能在全世界任何一個角落工作或做生意,也可能在任何一個國家居住。沒有人知道我們在五年,十年甚至二十年後自己或家人會在那裡居住。這就凸顯保險全球性,美金計價的重要性。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">有鑒於此,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">在根西島的分公司,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">人壽國際,提供客戶以美元計價人壽保險保單。此保單提供以下特點:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">美元計價保額,全球有效,全球給付。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">管理好您的健康將帶給您顯著財務福利,分散您退休儲蓄。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">此保單提供人壽保險,在投保人過世時給付保險金。保額每年根據美國通貨膨脹率遞增,現在幅度為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">。客戶也可以加保殘障保險。殘障保險可以包含三方面:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">完全殘疾(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">A</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">級別):符合客觀醫學標準或日常生活活動,獲得</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">100%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">保險金給付。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">部分殘疾(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">B</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">級別):符合客觀醫學標準或日常生活活動,獲得</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">50%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">保險金給付。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">指定職業(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">D</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">級別):若你無法從事你所指定職業,則獲得</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">100%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">保險金給付。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">在殘障保險到期日(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">65</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲),殘障保險自動轉換成重大疾病險而無須體檢,提供客戶終身保障。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">提升您的退休金</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></u></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">客戶可以選擇</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Cover</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">及</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Financial Intergrators</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">整合選項以提升年老時所領取退休金,透過獨特的提升現金轉換福利。客戶可以選擇提升至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">25%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">或</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">50%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">整合金額,到</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">65</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲時領取一筆免稅美元金額(紅利)。領取此福利不會降低您的人壽保險金額。但是客戶若在</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">65</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲以前取消此額外選項,則喪失</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">65</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲領取的免稅美元紅利。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">此紅利可付進你海外或南非的銀行帳戶。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">如何給付保費</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></u></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">保費以美元計算,以南非幣給付,每月會根據扣款當天匯率浮動。保費會根據美國通貨膨脹率,加一年齡因素遞增。最低月保費為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">100</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">美元。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">申報及匯率管制</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></u></b></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">會自動幫你向南非央行申報,使用你一年</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">100</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">萬蘭特自行分配額度</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(Single
Discretionary Allowance,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">簡稱</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">SDA)</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">來給付保費。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">如何索賠?</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></u></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">理賠時,保險金或紅利用美元付進海外或南非銀行帳戶。若你沒有海外銀行帳戶,</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">人壽會協助你或你的受益人在海外開戶。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-79077005769116706372015-04-08T21:33:00.000+02:002015-04-08T21:33:36.135+02:00350. 巴西之旅的見聞 2015.04.09
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">上週末因為參加世界台灣商會的會議,第一次到巴西出差旅遊,為期四天。</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-hansi-font-family: MingLiU;">第一次到非英語、中文國家旅遊,挺新鮮的。</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">我在這裡跟讀者分享我在巴西所見所聞。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">巴西是南美第一大國,葡萄牙語系國家,人口一億九千萬,世界排名第五。世界第七大經濟體,根據高盛投資公司預計</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2050</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年將達全球第四。幅員廣大,資源豐富,是金磚國家成立國之一,在中南美洲扮演重要經濟角色。總統吉爾瑪去年底連任,但是民調很低落。聽當地台商說,第一輪總統大選沒過半,第二輪選舉前承諾給窮人更多福利,以獲取窮人選票。但當選後還沒實現承諾,可能成為空頭支票。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">巴西去年舉辦世界杯足球賽,明年舉辦奧運,所以最近兩三年是世界關注的焦點。由於舉辦這些大型活動,需要提升基礎設施,所以巴西有花錢建設重點城市。不過貪汙腐敗現象叢生,最近巴西石化公司貪污案造成許多人民反感。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">我在巴西幾天都是在聖保羅市。聖保羅市是巴西經濟金融中心,人口</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1100</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">萬。而聖保羅市在聖保羅州內,聖保羅州人口達四千萬。巴西是多種族國家,其人民絕大部分為從世界四面八方而來的移民,在這裡有全世界日本以外最多日本裔人口;有從非洲來的黑人;有韓國人,中國人。但最多的就是葡萄牙後裔。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">聖保羅市給我的感覺就像南非的約翰尼斯堡市,有許多相似處:年輕的城市(一百多年歷史),經濟及金融中心,人口多,交通擁擠。沒有什麼特殊風景,與里約熱內盧相比不是旅遊聖地。是購物天堂,有許多購物中心,也有許多國際名牌進駐。貧富懸殊,治安亂,當地台商及導遊不停囑咐要注意安全,防範盜賊。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">聖保羅市市區內建築物表面多有塗鴉,是年輕人發揮的地方,有的塗鴉甚至在高樓上,讓人感覺市容醜化。巴西政府為因應當地人喜歡塗鴉文化,在某些牆上讓中小學生噴繪,看起來就比較美觀。市區到處可見無家可歸的流浪漢,在教堂旁,公園旁,大橋下,一個包包裏是所有家當,有空地就睡。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">聖保羅市看不到什麼好車,大部分的人開的是本田,尼桑,韓國現代。很少看到奔馳,寶馬,奧迪。可能是不敢開好車在外拋頭露面,成為罪犯分子下手目標。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">購物中心通常</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">10</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">點開門,到晚上</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">10</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">點。若遇假日及禮拜日,則兩點才開門。巴西的國語為葡萄牙語,絕大部分的人不會說英文,只有在酒店前臺人員會說英文。這對南非英語系國家的人來說,溝通是一大挑戰。我在旅遊之前透過一個手機軟件學習基本葡萄牙語,在當地許多時候還是要靠手機上的谷歌翻譯來跟當地人溝通。我到機場的書店,通訊公司店面,大部分店員不會說英語。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">巴西的華僑約有</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">30</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">萬,其中台灣籍華僑約兩三萬。華僑在當地經商也都經歷一段艱困辛酸歷史,努力打拼,從無到有,逐漸進入主流社會,有一些也進入到政治界從政。經商方面也如在南非華僑,大部分從事進出口,批發,零售,餐廳,旅遊,服務業。也有一些大廠在巴西設廠製造,例如台灣的鴻海(富士康)。巴西重視發展半導體業,希望能扶植半導體工業在巴西製造,生產。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">巴西最近經濟衰弱,其依賴的礦產及原油出口,由於礦產價格及油價去年開始大跌,嚴重打擊其外匯收入。巴西幣黑奧自去年兌美金已下跌</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">50%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,從</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2.2</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">跌到</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3.2</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,去年跌幅更慘於南非幣</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">.</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">有專家預測還會繼續下跌。巴西股市也被外資拋售,其股市</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Ibovespa</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">從去年八月</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">61288</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">點高峰下跌至今年一月份</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">48000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">點,不過過去三個月有止跌回穩跡象,回升至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">53000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">點。通貨膨脹率居高不下,預計</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2015</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年達</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">8.13%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">。利率連</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">13</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">升,從</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2013</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">7.25%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">調高到現在</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12.75%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,預計將達</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">13.25%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,比南非還高得多。</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-54882206506591381032015-04-02T21:34:00.000+02:002015-04-08T21:37:17.697+02:00349.免稅儲蓄帳戶問答集 2015.04.02
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">上週我們說明免稅儲蓄帳戶,今天我們就一些常見問題作回答。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:任何人都可以開免稅儲蓄帳戶嗎?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:任何有南非</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">ID</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">號碼的個人,只要能符合最低投資額需求的皆可開戶。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:未成年人可以開戶嗎?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:未成年的孩童也可開戶,需要監護人的幫助開戶。孩童可以是帳戶持有人,父母為付款人。提領時錢必須進入孩童的銀行帳戶。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:最低投資額是多少?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:有的保險公司允許最低每月</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R350</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">起,若是單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R5,000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">起。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:我需要投資多久?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:免稅儲蓄帳戶是活期帳戶,客戶可以選擇投資多少,投资多久。客戶可以隨時提領帳戶內金額。不過客戶應使用此帳戶做長期投資,以真能享受免稅優惠。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:我現在銀行存款不就免稅?幹嘛還要投資此帳戶?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:若客戶存款金額不高,每年本就有</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R23,800</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">利息免稅額。所以在銀行開免稅儲蓄帳戶相比較下並沒有免稅優惠。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:我該申請銀行,保險公司,證券商或基金投資公司的免稅儲蓄帳戶?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:根據上一題答案延伸,我們的建議是申請保險公司,證券商或基金投資公司的免稅儲蓄帳戶,投資</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">ETF</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">證交所交易基金或股票型基金,長期能獲得最高報酬,而且免稅優惠最大化。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:免稅儲蓄帳戶的投資報酬率是多少?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:若是銀行提供的免稅儲蓄帳戶,年利率為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">到</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">7%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">。若是投資保險公司,證券商或基金投資公司免稅儲蓄帳戶,長期平均每年報酬率為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">12%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">20%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,但注意短期根據投資市場波動會有虧損風險。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:我需要提供什麼資料才能開戶?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:需要提供南非身份證明(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">ID</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">或護照),以及住址證明(例如水電單)。若是為未成年孩童開戶,需提供孩子出生證明(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">birth
certificate</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">)。若是使用每月定期定額方式投資,需提供銀行帳號證明(例如銀行對帳單)。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:我如何付款?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:有三種方式:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -36pt;">
<!--[if !supportLists]--><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: SimSun; mso-bidi-theme-font: minor-fareast; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-list: Ignore;">第一,</span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">若是定期定額投資方式,可以設定劃賬,授權給保險公司每月從自己銀行帳戶劃賬。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -36pt;">
<!--[if !supportLists]--><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: SimSun; mso-bidi-theme-font: minor-fareast; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-list: Ignore;">第二,</span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">若是一次性單筆投資方式,可以設定劃賬,授權給保險公司從自己銀行帳戶一次性劃賬。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0pt 54pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -36pt;">
<!--[if !supportLists]--><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: SimSun; mso-bidi-theme-font: minor-fareast; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><span style="mso-list: Ignore;">第三,</span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">客戶可以將款項用轉賬方式存進保險公司指定帳戶。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">問:我可以隨時改變免稅儲蓄帳戶的投資選項嗎?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">答:依產品供應商的規定而定。銀行的免稅儲蓄帳戶投資為銀行存款,沒有選擇餘地。保險公司,證券商和基金投資公司提供多樣基金供投資人選擇。客戶若要更改投資選項,可以通知保險公司或理財顧問,在三到四個工作日從原來投資組合改成新的投資組合。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-88123407802502816602015-03-26T22:40:00.000+02:002015-05-12T22:43:31.916+02:00348.免稅儲蓄帳戶 2015.03.26
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">南非財政部長公佈免稅儲蓄帳戶於今年</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">日開始實施,其目的是為鼓勵南非大眾儲蓄投資。英文為</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">tax-free savings accounts</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。現在辦法如下:</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b><br />
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">每人每年可存</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">在此帳戶,終生上限額為</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R500,000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。未來這些上限應會根據南非通貨膨脹率調整。帳戶內利息,股息及增值所得皆免稅。若每年儲蓄金額超過</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬元,超過之部份將被課</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">40%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">的稅。投資人開戶需有效的南非身份證。投資人可以隨時提領。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">免稅儲蓄帳戶種類包括銀行存款帳戶,基金投資帳戶,南非零售國債,證交所交易基金。投資人可以有不止一個免稅儲蓄帳戶,但投資多個免稅儲蓄帳戶的投資總額每年上限為</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬元。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">根據我們所搜集到的資料,已有以下銀行,保險公司,投資公司,證券商提供免稅儲蓄帳戶:</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">銀行:標准銀行,第一銀行(</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">FNB</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">),萊利銀行,</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">ABSA, Investec<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">保險公司</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">: Old Mutual,
Sanlam, Discovery, Liberty, Momentum<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">基金投資公司</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">: Glacier,
Stanlib, Prudential, PSG<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">證券商:標準銀行,第一銀行,</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">PSG</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">等各大證券商</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">以下我們就一些金融機構免稅儲蓄帳戶產品內容做比較:</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">金融機構</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Old Mutual<o:p></o:p></span></b></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery<o:p></o:p></span></b></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Glacier<o:p></o:p></span></b></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.6pt;" valign="top" width="118">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Stanlib<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">最低投資額</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R350</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每月;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><br />
</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R5,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R850</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每月;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><br />
</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,500</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每月;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><br />
</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.6pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R500</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每月;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R5,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">最高投資額</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,500</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每月</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,500</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每月;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><br />
</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,500</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每月;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><br />
</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.6pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,500</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每月;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><br />
</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">單筆</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,000<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">投資標的</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">基金(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Old
Mutual, Nedgroup, Prudential, Coronation</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">四家基金)</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">基金(</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">及其他公司基金,計</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">200</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">多檔)</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">基金計</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">800</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">多檔</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.6pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">基金計</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">100</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">多檔</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">管理費用</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年管理費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0.75%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,按月扣除;最低每月</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R20<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年管理費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0.55%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年管理費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0.75%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.6pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">年管理費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0.5%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">管理費用優惠</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">若客戶投資一年滿</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">萬元,管理費減</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0.25%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">;若投資</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Old
Mutual</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">基金,再減</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0.25%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">若客戶投資</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Discovery</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">基金,年管理費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0.35%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">無</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.6pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">無</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">理財規劃費(若有使用理財規劃師服務)</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">理財規劃費</span><span lang="ZH-CN" style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"> </span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">– </span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">第一個月投資額;</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每筆投資顧問費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0% -
3.42%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">;年顧問費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0% -
1.14%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每筆投資顧問費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0% -
3.42%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">;年顧問費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0% -
1.14%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每筆投資顧問費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0% -
3.42%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">;年顧問費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0% -
1.14%<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.6pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每筆投資顧問費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0% -
3.42%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">;年顧問費</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0% -
1.14%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 88.55pt;" valign="top" width="118">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">投資報酬率</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td colspan="4" style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 354.25pt;" valign="top" width="472">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">根據所選基金,長期可達</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">10%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">到</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">15%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">每年</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-1852021559863175287.post-65593015721493852162015-03-19T22:39:00.000+02:002015-05-12T22:39:56.277+02:00347.南非2014年財政預算與你(三)2014.03.19
<b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">退休金制度改革</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></u></b><br />
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">財政部本要從今年</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">日開始實施退休金改革方案,卻因工會抗議而推遲實施,以有更多的時間跟各界溝通討論。</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">財政部秉持有效循序漸進原則,提出退休金改革方案</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">原案</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">如下:</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
<br />
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0pt 36pt; mso-line-height-alt: 0pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">雇主提撥退休金金額算為員工福利,納入個人所得課稅。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 36pt; mso-line-height-alt: 0pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">納稅人可將個人所得最高至</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">27.5%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">投入各類退休金,最高達每年</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">350</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">,</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">000</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">蘭特,並從個人所得抵扣。換句話說,國稅局將給予納稅人更多稅務上獎勵,投資退休金,為養老儲蓄。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 36pt; mso-line-height-alt: 0pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">各公司的退休金必須尋找並決定適合離職員工轉存退休金之退休保存基金。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 36pt; mso-line-height-alt: 0pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">各公司的退休金必須訂定說明,引導將退休員工把領取之退休金轉換成長期每月定期退休收入。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 36pt; mso-line-height-alt: 0pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">開放更多金融相關機構銷售退休年金產品,以提升競爭。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 36pt; mso-line-height-alt: 0pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">各類退休金之稅務處理將統一化,簡單化。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0pt 36pt; mso-line-height-alt: 0pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">將提出創新稅務優惠的儲蓄及投資帳戶。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0pt 36pt; mso-line-height-alt: 0pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">廢除領取政府退休金的收入測試。也就是說,屆時</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">65</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">歲以上老人,不論貧富,皆可領取政府退休金。</span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">免稅儲蓄帳戶</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></u></b></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">免稅儲蓄帳戶已於</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">日出爐,現在方案如下:</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">每人每年可存</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R30,000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">在此帳戶,終生上限額為</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R500,000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。未來這些上限應會根據南非通貨膨脹率調整。帳戶內利息,股息及增值所得皆免稅。若每年儲蓄金額超過</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬元,超過之部份將被課</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">40%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">的稅。投資人可以隨時提領。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">稅務優惠儲蓄帳戶種類包括銀行存款帳戶,基金投資帳戶,南非零售國債,證交所交易基金。現有南非</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Old Mutual,
Investec, Glacier</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">等公司推出新的免稅儲蓄帳戶。我們會在下一期進一步說明。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-line-height-alt: 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">社會福利津貼</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-TW; mso-hansi-font-family: "Times New Roman";">南非共有</span><span lang="EN-US" style="mso-fareast-language: ZH-TW;">1,580</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-TW; mso-hansi-font-family: "Times New Roman";">萬人領取政府社會福利津貼。</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">今年預算為</span><span lang="EN-US">1490</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">億元,政府還打算把兒童津貼年齡從</span><span lang="EN-US">18</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">歲提升至</span><span lang="EN-US">21</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">歲。</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-TW; mso-hansi-font-family: "Times New Roman";">南非提供各種社會安全福利如下(每月):</span><span lang="EN-US" style="mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 19.6pt; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 128pt;" valign="top" width="171">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"><o:p> </o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">2014</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">年</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">2015</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">年</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 128pt;" valign="top" width="171">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">政府老人年金</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,350<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,410<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 128pt;" valign="top" width="171">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">政府老人年金</span><span style="mso-ansi-language: EN-ZA;">,75</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">歲以上</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,370<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,430<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 128pt;" valign="top" width="171">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">退伍軍人年金</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,370<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,430<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 128pt;" valign="top" width="171">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">殘障者年金</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,350<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,410<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 128pt;" valign="top" width="171">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">寄養津貼</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">830<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">860<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 128pt;" valign="top" width="171">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">照護津貼</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,350<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">1,410<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 128pt;" valign="top" width="171">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">子女撫養津貼</span><span style="mso-ansi-language: EN-ZA;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">315<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.65pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="mso-ansi-language: EN-ZA;">330<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-10672546638586696042015-03-12T22:36:00.000+02:002015-05-12T22:37:48.676+02:00346.南非2015年財政預算與你(二)2014.03.12
<br />
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">上週我們說明</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">201</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年個人所得稅,這期我們說明法人(公司,信託等)所得稅,以及退休金制度改革。</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></b><br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">1. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">公司所得稅率:</span></b><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">28%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">(維持不變)</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">小型企業(</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Small
Business Corporations,</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年營業額</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2,000</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬蘭特以下)所得稅率</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">可課稅收入(</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Taxable Income</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">)</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 42.5pt;" valign="top" width="57">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">稅率</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R73,650<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 42.5pt;" valign="top" width="57">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R73,651 –
365,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 42.5pt;" valign="top" width="57">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">7%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">365,001 –
550,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 42.5pt;" valign="top" width="57">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">21%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 168.45pt;" valign="top" width="225">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">550,000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">以上</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 42.5pt;" valign="top" width="57">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">28%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">此稅制為南非政府為鼓勵中小企業創業作出的稅務優惠,但限於只擁有一家未上市公司股份之股東。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">微型企業營業稅</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 111.75pt;" valign="top" width="149">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">可課稅之營業額</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: windowtext windowtext windowtext rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.6pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">稅率</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 111.75pt;" valign="top" width="149">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">335,000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">以下</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.6pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 111.75pt;" valign="top" width="149">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">335,001 –
500,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.6pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 111.75pt;" valign="top" width="149">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">500,001 –
750,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.6pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 111.75pt;" valign="top" width="149">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">750,001</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">以上</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) windowtext windowtext rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt; width: 49.6pt;" valign="top" width="66">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">此營業稅制適合年營業額一百萬蘭特</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">以</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">下的微型企業,稅務申報簡化,一年只需申報兩次。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">4</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW;">.</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"> </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW;">根據居住地徵稅</span></b><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">居民就其全球收入徵稅,然而有特定的排除項目。在外國已付稅金可抵扣南非應納稅額。這適用於個人,公司,關閉公司(</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">Close Corporation</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">)和信託</span><span lang="ZH-TW" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW;">。</span><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">5. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">資產增值稅</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(Capital Gains Tax)</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">最高有效稅率為個人及特別信託</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">13.</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">65</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">,公司</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">18.6</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">,其他信託</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">7.31</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">以下事件觸發資產處置:</span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW;">出售,贈與,交換,損失,</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">死亡和移</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW;">民</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">以下不列入資產增值稅考量:</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">自住房屋賣出,兩百萬以內的增值或損失</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">絕大部分的個人使用資產</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">退休金</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">人壽保險保單理賠金額</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">個人及特別信託年免稅額三萬蘭特</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">55</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">歲以上個人處置小型企業,企業市值不超過一千萬蘭特,其增值免稅額為</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">180</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">萬</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">個人死亡之年的免稅額為</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">30</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">萬蘭特</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">6. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">股息稅(</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">Dividends
Tax</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">)</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">股息稅稅率為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">15%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。若南非所在地公司或是在南非上市的非所在地公司給付股息給股東,必須代扣</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">15%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">之股息稅。若股息受惠者為南非公司,退休基金或其他豁免者,則免付股息稅。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">7</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">預扣</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">稅(</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Withholding</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"> Tax</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">es</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">)</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">除了股息稅,還有以下預扣稅是針對非居民的:</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">特許權使用費(</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">Royalties</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">)</span></b><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">: 15%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">利息</span></b><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">:從</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2015</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">日起,從南非來源付給非居民的利息需付</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">15%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">稅。然而南非各級政府債券,銀行或交易所上市債券所給付利息免稅。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">國外藝人和運動員</span></b><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">:在南非活動而得收入課</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">15%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">不動產處置</span></b><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">:非居民賣出房地產,若是個人課</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">稅,公司課</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">7.5%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">,信託課</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">10%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">稅。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">7. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">附加價值稅</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">VAT<o:p></o:p></span></b></div>
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<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">稅率仍維持在</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">14%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。銷售可課稅貨品超過一百萬一年的供應商必須註冊</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">VAT,</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">介於五萬和一百萬可以自願註冊。某些商品(例如農業產品)的</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">VAT</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">為零。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">8. </span></b><span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW;">證券轉讓稅</span></b></span><span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></span></div>
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<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">公司股票轉讓需付百分之</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">0.25</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">的證券轉讓稅</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
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<span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">9.</span></b></span><span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">國際機票稅</span></b></span><span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></span></div>
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<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">博茨瓦納,賴索托,史瓦濟蘭及納米比亞,每旅客</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">100</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">蘭特。其他國家</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">190</span></span><span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">蘭特。</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
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<span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">10. </span></b></span><span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW;">技能開發徵費</span></b></span><span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"> Skills Development Levy<o:p></o:p></span></b></span></div>
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<span class="shorttext"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">公司付員工薪資之百分之一為技能開發徵費。年員工薪資五十萬元以下之公司免繳。</span></span><span class="shorttext"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
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<span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">11. </span></b></span><span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">失業保險費</span></b></span><span class="shorttext"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #333333; font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">(UIF)</span></b></span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">員工給付百分之一,公司給付百分之一為失業保險費</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。由於失業保險金盈餘達</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">900</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">億,今年最高保費降為員工</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">10</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">元,公司</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">10</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">元每月。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">12. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">信託所得稅率:</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">4</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">%<o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">13. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">南非國稅局利率</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
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<span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">員工附帶福利</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"> - </span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">免息或低息貸款</span><span lang="ZH-TW" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"> </span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">年息</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">6.</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif";">75</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">%</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">遲延或短付稅</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">9</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif";">.25</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">%<br />
</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">退還多繳臨時稅</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">(provisional
tax) 5</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif";">.25</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">%</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;"><br />
</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">上訴成功退稅</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">9</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif";">.25</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">%<br />
</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">規定的期限後增值稅退稅</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">9</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif";">.25</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">%<br />
</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">遲繳增值稅</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">9</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif";">.25</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">%<br />
</span><span lang="ZH-TW" style="color: #333333; font-family: SimSun; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-language: ZH-TW; mso-hansi-font-family: Arial;">關稅和消費稅</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">9</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif";">.25</span><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; mso-fareast-language: ZH-TW;">%<o:p></o:p></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-14984798674243267492015-03-05T22:32:00.000+02:002015-05-12T22:34:02.646+02:00345. 南非2015年財政預算與你(一)2015.03.05<span style="font-family: MingLiU;"><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">南非財政部長</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">內內</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">於</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">月</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">日發表</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">他上任後第一次</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">南非政府</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">201</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">-201</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年度預算。他有著不被羨慕的工作,在南非經濟表現不佳的前提下要平衡收支。</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">本週我們要針對個人方面分析南非</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">201</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">5</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">年度預算的改變和影響。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">政府年度預算精華</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">: <o:p></o:p></span></div>
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<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">個人所得稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">:</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年收入超過</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R181,900</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">之納稅人所得稅增加</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。</span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
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<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">201</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">4</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">/</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年度</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">國家政府</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">預算赤字將為</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">國內生產毛額</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">的</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3.9</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">,縮減至</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2017/8</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年的</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2.5%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">201</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">年國內生產毛額增長率預期為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2.</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">,</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2016</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2.4%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">,</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2017</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3.0%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2015</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年通貨膨脹率預期為</span><span lang="ZH-CN" style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"> </span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">4.3</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;">%<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">國債將在</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2017/8</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">年達國內生產毛額的</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">43.7%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">。</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">總收入</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">1</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">,</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">889</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">億蘭特,總支出</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">1</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3,510</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">億蘭特</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">個人年所得</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R73,650</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">以下免所得稅</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"> (</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">201</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">4</span><span lang="ZH-TW" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">年</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;">R67,</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"> R70,700</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;">)<o:p></o:p></span></div>
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<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">燃油稅及道路事故基金稅負每公升增加</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">30.5</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">分</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">及</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">50</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">分,總計</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">80.5</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">分,四月一日起實施。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">所得稅改成自我評估系統。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">採取進一步措施,以打擊稅基侵蝕和利潤轉移,例如改善轉讓定價文檔和報告。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">為小型企業提供更慷慨的營業稅制度。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">將柴油退稅制度與</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">VAT</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">增值稅制度脫鉤,並限制土地採礦活動和發電之柴油退款。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-ansi-language: EN-ZA; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-TW;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">增加電力稅負每千瓦時</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">分至</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5.5</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">分之臨時措施,直到碳稅出台。</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<u><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">支出計畫</span></u><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">:未來三年政府將開支</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">基本教育</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6,473</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">衛生部</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5,023</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">社會保障</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">4,978</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">國防及公安</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5,451</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">經濟部</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6,512</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">地方發展及社會建設</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6,336</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">高等教育</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">1,974</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">一般公共服務</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">2,010</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">債務償還</span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">4,208</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: "Times New Roman";">億元</span><span lang="ZH-CN" style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"> </span><span style="mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p><span style="font-family: Times New Roman;"> </span></o:p></span></b><br />
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">1. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">個人所得稅</span></b><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">:</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"> </span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">65</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">歲以下年所得不超過</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R7,3650</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> (</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">去年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;">70,700</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">)</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">不課所得稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">;65</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">歲以上年所得不超過</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R114,800</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> (</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">去年</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;">R110,200</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">)</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">不課所得稅。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">75</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">歲以上納稅人享有更高免稅額</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">為</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;">R1</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">28,50</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;">0</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;"> (</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">去年</span><span style="font-family: "PMingLiU","serif"; mso-ansi-language: EN-ZA; mso-fareast-language: ZH-TW;">R123,350</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">還有</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">:<o:p></o:p></span></div>
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<ul style="margin-top: 0cm;" type="disc">
<li class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-list: l1 level1 lfo1;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">利息所得免稅額度</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R23,800(</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">去年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R23,800</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。這表示以現在定存利率</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">6</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">%</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">來算</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">個人銀行存款可達</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R400,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">而利息收入免稅。若你是</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">65</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">歲以上</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">利息所得免稅額度</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R34,500(</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">去年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R34,500</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">)</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。</span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></li>
<li class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-list: l1 level1 lfo1;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">資產增值稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(Capital Gains Tax): </span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">維持不變。</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">資產增值免稅額度為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">3</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">0,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。納稅人死亡當年的免稅額度為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">3</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">00,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。主要自用住宅增值免稅額</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">200</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬蘭特</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。中小企業股東若賣掉公司時已超過</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">55</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">歲</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">則公司增值免稅額為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">1.8</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">百萬</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">個人最高增值稅率為</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">13.65%</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">。</span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></li>
<li class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-list: l1 level1 lfo1;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">退休年金</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(retirement annuity)</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">保費</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">: </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">可從個人所得扣除額最高為個人所得的</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">15%</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。</span><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></li>
<li class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-list: l1 level1 lfo1;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">醫療保險保費</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">:</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">家庭</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">頭兩</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">個人的</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">抵稅</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">額為每月</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">2</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">70</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">之後每人每月</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast;">R1</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">81</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。以下用表格說明</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">:<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></li>
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">家庭單位</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></div>
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<td style="background-color: transparent; border-color: black black black rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0cm 5.4pt; width: 163pt;" valign="top" width="217">
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">每月醫療保險</span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">抵稅額</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></b></div>
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<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 4cm;" valign="top" width="151">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">單身</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 163pt;" valign="top" width="217">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">270<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 4cm;" valign="top" width="151">
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<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">夫妻</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 163pt;" valign="top" width="217">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R540<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 4cm;" valign="top" width="151">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">夫妻加一個小孩</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 163pt;" valign="top" width="217">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">721<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 4cm;" valign="top" width="151">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">夫妻加兩個小孩</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 163pt;" valign="top" width="217">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">902<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0pt 36pt; mso-list: l2 level1 lfo4; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">離職時領出退休金稅率</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 19.6pt; mso-border-alt: solid black .5pt; mso-border-insideh: .5pt solid black; mso-border-insidev: .5pt solid black; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid black; mso-border-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">退休時所領整筆退休金</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(lump sum)<o:p></o:p></span></b></div>
</td>
<td style="background-color: transparent; border-color: black black black rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">稅率</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">22,500</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">以內</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">0%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">22,501</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> – R6</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">0,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">18%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R6</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">0,001 – R9</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">90</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">27%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">超過</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R9</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">90</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">的金額</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">36%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p><span style="font-family: Times New Roman;"> </span></o:p></span></b></div>
<ul style="margin-top: 0cm;" type="disc">
<li class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-list: l0 level1 lfo2;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">退休</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">單筆福利或遣散福利</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">:</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">退休金應繳所得稅如下表</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></li>
</ul>
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 19.6pt; mso-border-alt: solid black .5pt; mso-border-insideh: .5pt solid black; mso-border-insidev: .5pt solid black; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background-color: transparent; border: 1pt solid black; mso-border-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">退休時所領整筆退休金</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(lump sum)<o:p></o:p></span></b></div>
</td>
<td style="background-color: transparent; border-color: black black black rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">稅率</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R500,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">以內</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">免稅額</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R500,001 –
R700,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">18%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R700,001 –
R1,050,000<o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">27%<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 191.35pt;" valign="top" width="255">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">超過</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R1,050,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">的金額</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
</td>
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
<div align="center" class="MsoNormal" style="margin: 0cm 0cm 0pt; text-align: center;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">36%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p><span style="font-family: Times New Roman;"> </span></o:p></span></b><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">個人所得稅表</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">:</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">南非採漸進所得稅法</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">收入愈高</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">稅課得愈重。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></div>
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<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: currentColor; margin: auto auto auto 19.6pt; mso-border-alt: solid black .5pt; mso-border-insideh: .5pt solid black; mso-border-insidev: .5pt solid black; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">可課稅所得</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> (Taxable income)<o:p></o:p></span></b></div>
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<td style="background-color: transparent; border-color: black black black rgb(0, 0, 0); border-style: solid solid solid none; border-width: 1pt 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
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<b style="mso-bidi-font-weight: normal;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">所得稅率</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></b></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 177.2pt;" valign="top" width="236">
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<span lang="EN-US" style="font-family: "PMingLiU","serif";">R0 – </span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">R181,900<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
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<span lang="EN-US" style="font-family: "PMingLiU","serif";">18%<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 177.2pt;" valign="top" width="236">
<div style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "PMingLiU","serif";">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">181,901</span><span lang="EN-US" style="font-family: "PMingLiU","serif";"> – R2</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">84,100<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
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<span lang="EN-US" style="font-family: "PMingLiU","serif";">2</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">6</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">%<o:p></o:p></span></div>
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<tr style="mso-yfti-irow: 3;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 177.2pt;" valign="top" width="236">
<div style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "PMingLiU","serif";">R2</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">84,101</span><span lang="EN-US" style="font-family: "PMingLiU","serif";"> – R3</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">93,20</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">0<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
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<span lang="EN-US" style="font-family: "PMingLiU","serif";">3</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">1</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">%<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 177.2pt;" valign="top" width="236">
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<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">R393,201</span><span lang="EN-US" style="font-family: "PMingLiU","serif";"> – R5</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">50</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">,</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">1</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">00<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
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<span lang="EN-US" style="font-family: "PMingLiU","serif";">3</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">6</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">%<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 177.2pt;" valign="top" width="236">
<div style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "PMingLiU","serif";">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">550,1</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">01 – R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">701,3</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">00<o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
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<span lang="EN-US" style="font-family: "PMingLiU","serif";">3</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">9</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">%<o:p></o:p></span></div>
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<tr style="mso-yfti-irow: 6; mso-yfti-lastrow: yes;">
<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black; border-style: none solid solid; border-width: 0px 1pt 1pt; mso-border-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 177.2pt;" valign="top" width="236">
<div style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "PMingLiU","serif";">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">701,301</span><span lang="EN-US" style="font-family: "PMingLiU","serif";"> </span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">以上</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); border-style: none solid solid none; border-width: 0px 1pt 1pt 0px; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0cm 5.4pt; width: 3cm;" valign="top" width="113">
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<span lang="EN-US" style="font-family: "PMingLiU","serif";">4</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast;">1</span><span lang="EN-US" style="font-family: "PMingLiU","serif";">%<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p><span style="font-family: Times New Roman;"> </span></o:p></span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">個人所得稅退款</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(Rebates): </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">主要</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(Primary)R1</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3,257</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> (</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">去年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R12,726</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">),</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">次要</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(Secondary,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">適用於</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">65</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">歲以上納稅人</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">)R7,</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">407</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"> (</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">去年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R7,110</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">),</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">三要</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(Tertiary,
</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">適用於</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">75</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">歲以上納稅人</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">)</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,466(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">去年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">R2,367).<o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0cm 0cm 0pt;">
<span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p><span style="font-family: Times New Roman;"> </span></o:p></span></div>
<ul style="margin-top: 0cm;" type="disc">
<li class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-list: l0 level1 lfo2;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">遺產稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">: </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">遺產稅仍維持在</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">20%</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">。遺產免稅額為三百五十萬蘭特</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">但夫妻中第二位過世時的免稅額增為七百萬蘭特。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></li>
<li class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-list: l0 level1 lfo2;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">贈與稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">: </span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">每年頭</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R100,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">的捐贈</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">配偶間的捐贈</span><span lang="ZH-TW" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-language: ZH-TW; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">及捐給特定公益事業</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">免贈與稅。</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;"><o:p></o:p></span></li>
<li class="MsoNormal" style="margin: 0cm 0cm 0pt; mso-list: l0 level1 lfo2;"><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">房地產過戶稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">(transfer duty): </span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">75</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">萬</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">蘭特以下房產</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">免繳過戶稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">(</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">去年</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">60</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬蘭特</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">)</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">75</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">萬到</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">1</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">25</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">萬繳</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">3%</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">過戶稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,1</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">25</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">萬到</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">1</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">75</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">萬繳</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R1</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">5</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">加</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">6</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">%</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">過戶稅</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,1</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">75</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">萬</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">到</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">225</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬繳</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">繳</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">45</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">加</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">8%</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">過戶稅</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">;</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">225</span><span lang="ZH-CN" style="font-family: SimSun; mso-ascii-font-family: PMingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: PMingLiU;">萬蘭特</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">以上繳</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">R</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">85</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">,000</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">加</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">11</span><span lang="EN-US" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">%</span><span lang="ZH-TW" style="font-family: "PMingLiU","serif"; mso-fareast-language: ZH-TW;">過戶稅。</span></li>
</ul>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-90428971029851712642015-02-26T22:28:00.000+02:002015-05-12T22:29:51.926+02:00344. 防止敲車窗搶劫 2015.02.26
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">在南非偷竊搶劫事件多,特別在約堡市,要提高警覺,多加提防。南非現在宏觀經濟情況不佳,許多人沒有工作,有的人就鋌而走險做竊盜行業。加上警察效率低落,沒有積極執法,對宵小沒能產生一定的遏阻能力。現在景況就如聖經詩篇所說,下流人在世人中升高,就有惡人到處遊行。個人只能盡力做好自身安全工作。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;"></span><br />
<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">最近有兩三位客戶遭受敲車窗搶劫,成為受害者。我想藉此專欄向讀者分享如何防止敲車窗搶劫,也請讀者與周遭親朋好友分享,一同防範這種不幸事件的發生。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span><br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">敲車窗搶劫英文叫做</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">smash-and-grab,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">通常是作案人備好敲破車窗玻璃的工具,在紅綠燈路口或交通尖峰時間,車輛擁擠路段,而且作案之後有容易逃離的路徑為作案地點。作案人可能以乞丐,洗擋風玻璃,兜售物品小販身份出現,用各種理由貼近目標車輛,尋找下手目標</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">.</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">俗語說醉翁之意不在酒。駕駛人在車子內駕駛座上,移動空間有限。在路口紅綠燈轉紅燈,或是塞車時,車輛停止,前後有車輛,左右有車輛,欄杆或路緣。車輛受限動彈不得。這時駕駛人在車內成了甕中之鱉。作案人表面在乞討,提供洗擋風玻璃,實際上在用目光搜尋車內可劫之物。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">他們所搜尋的物品有手機,平板電腦,手提電腦,電腦包,錢包,背包,女用包,太陽眼鏡,貴重名牌手錶,金錢等有價值又好脫手物品。這些物品可能在駕駛人身上,或是後排座位上,但大部分時候是在駕駛人旁邊的座位上。許多駕駛人的習慣是順手把手機或包包放在旁邊的座位上,而沒有放在後面行李箱內。身經百戰的作案人犀利的眼光看到可下手目標,就會以迅雷不及掩耳之勢用準備好的工具擊破左前車窗玻璃,拿走目標物,快速逃離現場,走預定好的逃離路徑。有時還有人候車接待,等作案人上車就駛離現場。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">這類搶劫通常不會傷人,而是以搶奪有價值物品為目的,之後在二手市場專賣。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">那麼,駕駛人該如何防範這類搶劫發生?</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">第一,車窗貼上深色防敲車窗搶劫膜。英文叫做</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">anti
smash-and-grab film. </span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">深色防敲車窗搶劫膜</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">因為顏色深,從車子外不易看清車內狀況,另外還有防曬效果。即使遭受歹徒敲打,車窗也不易破碎。但注意保護膜顏色也不能太深,以免影響行車安全。南非允許最深色的保護膜為</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">35% Visual
Light Transmission</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">,能讓</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">38%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">可見光通過,擋掉</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">34%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">熱能,提供</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">99%</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">紫外線保護。貼保護膜的價格根據品質及車輛大小,約在</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">3000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">至</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">10000</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">蘭特,可在</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;">PG
Glass,GlassFit,</span><span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">汽車玻璃行及汽車保全行安裝。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">第二,養成習慣,不把貴重物件放在駕駛座旁座位。這涉及到改變我們的生活習慣。雖然順手把皮包或手機放在座位上,我們方便,卻容易引起歹徒的覬覦。我們需要有意識的改變習慣,把物件放在前面手套箱內,座椅中間箱子內,座椅底下或後面行李箱內。雖然這會造成生活上小小不便,對我們人身及物件安全卻是重要的。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<br />
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">第三,車子在行進中停下來時,與前方車輛保持至少三公尺距離。這樣在歹徒靠近車輛,意圖不軌時,還能試圖移動車輛,驚嚇歹徒,甚而逃離歹徒的控制。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">第四,若車子停下來時有人走向己車,馬上警覺性目光掃旁座,看是否有貴重物品。若有,趕緊收藏好,或放在駕駛座腿下面。</span><span style="font-family: MingLiU; mso-ansi-language: EN-ZA; mso-bidi-font-family: MingLiU; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
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<span lang="ZH-CN" style="font-family: SimSun; font-size: 12pt; mso-ansi-language: EN-ZA; mso-ascii-font-family: MingLiU; mso-bidi-font-family: MingLiU; mso-bidi-language: AR-SA; mso-fareast-language: ZH-CN; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: MingLiU;">第五,若不幸被歹徒攻擊,強拿貴重物件,除非你有受過專業訓練,處理這類事件經驗豐富,不要跟歹徒搏鬥,搶他所要拿走的物件。身外之物丟了可以再取代,生命卻是無價的。寧可讓歹徒拿去物件,不要跟他爭執,搏鬥。事件發生後到警察局報案,若車子有保全險可向保險公司申請玻璃理賠。</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-1852021559863175287.post-59845586589132998002015-02-17T23:20:00.000+02:002015-02-17T23:21:00.922+02:00343. 南非優良基金得獎名單公佈 2014.02.19今年一月份照往常慣例,南非信託基金投資業界在約翰內斯堡舉行一年一度的頒獎儀式,給南非2014年最好的信托基金經理頒發公牛獎(Raging Bulls Award)。這是南非投資業界的盛事。<br />
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加冕投資管理公司(Coronation)被評為2014年度最佳基金管理公司。這是加冕公司連續第三年獲得此殊榮。後起之秀PSG資產公司表現亮眼,躍升第二。。萊利銀行旗下Nedgroup投資公司,蟬聯為第三最佳基金管理公司。Prudential保誠基金管理公司排名第四。南非鼎鼎有名的艾倫格勒Allan Gray去年失利,退居第五。<br />
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第六至十九名的基金管理公司依序為:<br />
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6. Marriott (Old Mutual旗下)<br />
7. Investment Solutions<br />
8. Absa<br />
9. FirstGlobal<br />
10. Old Mutual<br />
11. Sanlam Investment Management<br />
12. Momentum<br />
13. Oasis<br />
14. Investec<br />
15. Prescient<br />
16. Discovery<br />
17. Stanlib<br />
18. Verso<br />
19. Grindrod<br />
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有趣的是,由以上排名可以看到,保險公司下屬的資產管理公司績效屬於中下段班。<br />
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一個公牛獎也被授予最好的離岸註冊的管理公司,在南非金融管理處登記有案,被允許在南非銷售其基金。今年,該獎項給予Oasis綠洲基金管理公司。<br />
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公牛獎是基金管理界的奧斯卡獎,為最高榮譽,獎勵在過去一年為信託基金投資者提供了豐厚回報的基金經理和管理公司。今年是第十九屆頒獎典禮,由南非負有盛名的個人理財雜誌,PlexCrown基金評級和ProfileData基金資訊聯合贊助。<br />
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<strong><u>評估方式</u></strong><br />
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信託基金管理公司在其基金系列,根據各方面的因素(績效,風險管理和一致性)提供最佳和最穩定的整體回報。<br />
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方法:該獎項是根據PlexCrown基金評級所有其基金系列平均值,最高者勝出。<br />
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年度國內基金管理公司:南非註冊的管理公司,五個或更多蘭特計價的基金,至少有3年的歷史。<br />
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年度海外管理公司:海外註冊的管理公司,5個或更多的非蘭特計價基金,至少3年歷史,提供最佳整體回報。<br />
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<strong><u>2014年度最佳績效基金</u></strong><br />
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方法:ProfileData公司計算,為期三年單筆投資,在資產淨值對資產淨值的基礎上(換句話說,不考慮進入成本)與紅利分配於除息日再投資,表現最佳的基金。<br />
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最佳廣泛的國內股票型基金:國內股票一般型,價值型和成長型子類過去三年總投資回報率最高 – Harvard House BCI股票基金<br />
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最佳靈活多資產配置基金:Autus BCI機會基金<br />
最佳高股票多資產配置基金:MET Odyssey平衡傘型基金<br />
最佳中股票多資產配置基金:S BRO BCI平衡傘型基金<br />
最佳低股票多資產配置基金:Stringfellow BCI穩定傘型基金<br />
最佳國內收益基金:Harvard House BCI靈活收益基金<br />
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值得注意的是,許多小型基金管理公司投資靈活操作,打敗知名大型基金管理公司。<br />
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最佳海外(南非註冊)股票基金:海外一般股票型類別,過去三年總投資回報率最高基金 - Old Mutual環球股票基金(A類)(蟬聯三年)<br />
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最佳離岸環球股票基金。離岸一般全球股市類別,過去三年總投資回報率最高基金- Contrarius環球股票基金(蟬聯二年)<br />
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若讀者有意投資基金,以上得獎基金可作為參考,也可以尋求專業理財規劃師的建議。Unknownnoreply@blogger.com0