Zi 字媒體
2017-07-25T20:27:27+00:00
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看完建議書再看高保費折扣
100~200萬: 0.2%
200~500萬: 0.3%
500萬以上: 0.7%
建議書享有最高的0.7%折扣
點讚加入儲蓄保險王粉絲團
點此加入Line:@wvr5039s
依據最後一個欄位
次年度初解約金/累積實繳保費
計算IRR:
FB: 儲蓄保險王.正義真話侠
Line: @wvr5039s
FB: 儲蓄保險王.正義真話侠
宣告
表定保費
100.7
折扣
解約金 增加率
Line: @wvr5039s
新光人壽
2.94%
實繳保費
100.0
0.7%
定存利率
1.30%
鑫旺福勝出
年
解約金
IRR
總報酬率
本利和
總報酬率
絕對利差
相對利差
1
94.08
-5.92%
-5.92%
101.30
1.30%
2
97.93
-1.04%
-2.07%
102.62
2.62%
3
101.89
0.63%
1.89%
103.95
3.95%
4
106.37
1.56%
6.37%
4.40%
105.30
5.30%
0.27%
20.14%
5
110.26
1.97%
10.26%
3.66%
106.67
6.67%
0.72%
53.80%
6
114.46
2.28%
14.46%
3.81%
108.06
8.06%
1.07%
79.45%
7
117.86
2.38%
17.86%
2.97%
109.46
9.46%
1.20%
88.74%
8
121.35
2.45%
21.35%
2.96%
110.89
10.89%
1.31%
96.13%
9
124.93
2.50%
24.93%
2.95%
112.33
12.33%
1.40%
102.24%
10
128.64
2.55%
28.64%
2.97%
113.79
13.79%
1.49%
107.72%
11
132.45
2.59%
32.45%
2.96%
115.27
15.27%
1.56%
112.55%
12
136.36
2.62%
36.36%
2.95%
116.77
16.77%
1.63%
116.88%
13
140.4
2.64%
40.40%
2.96%
118.28
18.28%
1.70%
120.97%
14
144.56
2.67%
44.56%
2.96%
119.82
19.82%
1.77%
124.81%
15
148.83
2.69%
48.83%
2.95%
121.38
21.38%
1.83%
128.41%
16
153.24
2.70%
53.24%
2.96%
122.96
22.96%
1.89%
131.92%
17
157.78
2.72%
57.78%
2.96%
124.55
24.55%
1.95%
135.31%
18
162.46
2.73%
62.46%
2.97%
126.17
26.17%
2.02%
138.63%
19
167.24
2.74%
67.24%
2.94%
127.81
27.81%
2.08%
141.75%
20
172.2
2.75%
72.20%
2.97%
129.48
29.48%
2.14%
144.95%
兩年內解約為虧損
滿三年保本,IRR=0.63%
四年勝定存,IRR=1.56%
之後解約金年增加率3%~3.8%
不論是保單宣告利率下降
還是定存利率提高
定存都不可能追上儲蓄險
六年IRR 2.3%,
跟定存絕對利差1.1%
相對利差80%
9年IRR 2.5%,相對利差102%
也就是保單的利息為定存的2倍
20年IRR 2.75%,相對利差145%
保單的利息為定存的2.45倍
以下僅修改折扣為0.3%:
FB: 儲蓄保險王.正義真話侠
Line: @wvr5039s
FB: 儲蓄保險王.正義真話侠
宣告
表定保費
100.7
折扣
解約金 增加率
Line: @wvr5039s
新光人壽
2.94%
實繳保費
100.4
0.3%
定存利率
1.30%
鑫旺福勝出
年
解約金
IRR
總報酬率
本利和
總報酬率
絕對利差
相對利差
1
94.08
-6.30%
-6.30%
101.71
1.30%
2
97.93
-1.24%
-2.46%
103.03
2.62%
3
101.89
0.49%
1.48%
104.37
3.95%
4
106.37
1.45%
5.94%
4.40%
105.73
5.30%
0.16%
12.09%
5
110.26
1.89%
9.82%
3.66%
107.10
6.67%
0.63%
47.16%
6
114.46
2.21%
14.00%
3.81%
108.49
8.06%
0.99%
73.75%
7
117.86
2.32%
17.39%
2.97%
109.90
9.46%
1.13%
83.74%
8
121.35
2.40%
20.86%
2.96%
111.33
10.89%
1.25%
91.66%
9
124.93
2.46%
24.43%
2.95%
112.78
12.33%
1.34%
98.17%
10
128.64
2.51%
28.12%
2.97%
114.25
13.79%
1.43%
103.98%
11
132.45
2.55%
31.92%
2.96%
115.73
15.27%
1.51%
109.07%
12
136.36
2.58%
35.81%
2.95%
117.24
16.77%
1.59%
113.61%
13
140.4
2.61%
39.84%
2.96%
118.76
18.28%
1.66%
117.89%
14
144.56
2.64%
43.98%
2.96%
120.30
19.82%
1.73%
121.89%
15
148.83
2.66%
48.23%
2.95%
121.87
21.38%
1.79%
125.61%
16
153.24
2.68%
52.63%
2.96%
123.45
22.96%
1.85%
129.24%
17
157.78
2.69%
57.15%
2.96%
125.06
24.55%
1.92%
132.73%
18
162.46
2.71%
61.81%
2.97%
126.68
26.17%
1.98%
136.14%
19
167.24
2.72%
66.57%
2.94%
128.33
27.81%
2.04%
139.33%
20
172.2
2.73%
71.51%
2.97%
130.00
29.48%
2.10%
142.60%
以下修改折扣為0.2%:
FB: 儲蓄保險王.正義真話侠
Line: @wvr5039s
FB: 儲蓄保險王.正義真話侠
宣告
表定保費
100.7
折扣
解約金 增加率
Line: @wvr5039s
新光人壽
2.94%
實繳保費
100.5
0.2%
定存利率
1.30%
鑫旺福勝出
年
解約金
IRR
總報酬率
本利和
總報酬率
絕對利差
相對利差
1
94.08
-6.39%
-6.39%
101.81
1.30%
2
97.93
-1.29%
-2.56%
103.13
2.62%
3
101.89
0.46%
1.38%
104.47
3.95%
4
106.37
1.43%
5.84%
4.40%
105.83
5.30%
0.13%
10.09%
5
110.26
1.87%
9.71%
3.66%
107.21
6.67%
0.61%
45.51%
6
114.46
2.19%
13.89%
3.81%
108.60
8.06%
0.97%
72.33%
7
117.86
2.30%
17.27%
2.97%
110.01
9.46%
1.12%
82.50%
8
121.35
2.38%
20.74%
2.96%
111.44
10.89%
1.23%
90.54%
9
124.93
2.45%
24.30%
2.95%
112.89
12.33%
1.33%
97.16%
10
128.64
2.50%
28.00%
2.97%
114.36
13.79%
1.42%
103.05%
11
132.45
2.54%
31.79%
2.96%
115.85
15.27%
1.50%
108.21%
12
136.36
2.58%
35.68%
2.95%
117.35
16.77%
1.58%
112.80%
13
140.4
2.60%
39.70%
2.96%
118.88
18.28%
1.65%
117.12%
14
144.56
2.63%
43.84%
2.96%
120.42
19.82%
1.72%
121.16%
15
148.83
2.65%
48.08%
2.95%
121.99
21.38%
1.78%
124.92%
16
153.24
2.67%
52.47%
2.96%
123.58
22.96%
1.84%
128.57%
17
157.78
2.69%
56.99%
2.96%
125.18
24.55%
1.91%
132.09%
18
162.46
2.70%
61.65%
2.97%
126.81
26.17%
1.97%
135.52%
19
167.24
2.72%
66.40%
2.94%
128.46
27.81%
2.03%
138.73%
20
172.2
2.73%
71.34%
2.97%
130.13
29.48%
2.09%
142.02%
以下修改折扣為0%:
FB: 儲蓄保險王.正義真話侠
Line: @wvr5039s
FB: 儲蓄保險王.正義真話侠
宣告
表定保費
100.7
折扣
解約金 增加率
Line: @wvr5039s
新光人壽
2.94%
實繳保費
100.7
0.0%
定存利率
1.30%
鑫旺福勝出
年
解約金
IRR
總報酬率
本利和
總報酬率
絕對利差
相對利差
1
94.08
-6.58%
-6.58%
102.01
1.30%
2
97.93
-1.39%
-2.76%
103.34
2.62%
3
101.89
0.39%
1.18%
104.68
3.95%
4
106.37
1.38%
5.63%
4.40%
106.04
5.30%
0.08%
6.09%
5
110.26
1.83%
9.49%
3.66%
107.42
6.67%
0.56%
42.23%
6
114.46
2.16%
13.66%
3.81%
108.82
8.06%
0.93%
69.51%
7
117.86
2.27%
17.03%
2.97%
110.23
9.46%
1.08%
80.02%
8
121.35
2.36%
20.50%
2.96%
111.67
10.89%
1.20%
88.33%
9
124.93
2.42%
24.06%
2.95%
113.12
12.33%
1.30%
95.14%
10
128.64
2.48%
27.74%
2.97%
114.59
13.79%
1.40%
101.19%
11
132.45
2.52%
31.52%
2.96%
116.08
15.27%
1.48%
106.48%
12
136.36
2.56%
35.41%
2.95%
117.59
16.77%
1.55%
111.18%
13
140.4
2.59%
39.42%
2.96%
119.12
18.28%
1.63%
115.59%
14
144.56
2.62%
43.55%
2.96%
120.67
19.82%
1.69%
119.71%
15
148.83
2.64%
47.79%
2.95%
122.23
21.38%
1.76%
123.53%
16
153.24
2.66%
52.17%
2.96%
123.82
22.96%
1.83%
127.25%
17
157.78
2.68%
56.68%
2.96%
125.43
24.55%
1.89%
130.81%
18
162.46
2.69%
61.32%
2.97%
127.06
26.17%
1.95%
134.29%
19
167.24
2.71%
66.07%
2.94%
128.72
27.81%
2.01%
137.54%
20
172.2
2.72%
70.99%
2.97%
130.39
29.48%
2.08%
140.86%
不同折扣IRR統整:
FB: 儲蓄保險王.正義真話侠 Line: @@wvr5039s
折扣:
0.7% (500萬)
0.3% (200萬)
0.2%(100萬)
0.0%
年
IRR
IRR
IRR
IRR
1
-5.92%
-6.30%
-6.39%
-6.58%
2
-1.04%
-1.24%
-1.29%
-1.39%
3
0.63%
0.49%
0.46%
0.39%
4
1.56%
1.45%
1.43%
1.38%
5
1.97%
1.89%
1.87%
1.83%
6
2.28%
2.21%
2.19%
2.16%
7
2.38%
2.32%
2.30%
2.27%
8
2.45%
2.40%
2.38%
2.36%
9
2.50%
2.46%
2.45%
2.42%
10
2.55%
2.51%
2.50%
2.48%
11
2.59%
2.55%
2.54%
2.52%
12
2.62%
2.58%
2.58%
2.56%
13
2.64%
2.61%
2.60%
2.59%
14
2.67%
2.64%
2.63%
2.62%
15
2.69%
2.66%
2.65%
2.64%
16
2.70%
2.68%
2.67%
2.66%
17
2.72%
2.69%
2.69%
2.68%
18
2.73%
2.71%
2.70%
2.69%
19
2.74%
2.72%
2.72%
2.71%
20
2.75%
2.73%
2.73%
2.72%
相關連結:
FB粉絲專頁:儲蓄保險王.正義真話侠
儲蓄保險王Line: @wvr5039s
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