Zi 字媒體
2017-07-25T20:27:27+00:00
建議書由保經業務提供,若需推薦,
請至儲蓄保險王粉絲團私訊
宣告利率:3.65% (2019/4~6月)
依據建議書
表定保費是174570
享0.4%折扣後
實繳保費應為173872
但是建議書卻寫173870
低了2美金
會造成這個誤差的原因
元大人壽珍利美(FP)美元利率變動型終身壽險(六年期繳)IRR分析,最高4%折扣
已經解釋過了
原始保費30114
30114*(1-4%) =28909.44
但建議書顯示的折扣後保費是28908
比上述計算低了1.44美金
這誤差是因為4%折扣從
每萬保額的保費開始計算
再乘上18萬保額
會放大四捨五入的結果
但為了方便計算,
仍用原始保費*(1-折扣率)
基本上誤差非常小
硬要講誤差的話
那也是高估了保費
低估了IRR
看完建議書
看高保費折扣
6.5萬美金以上: 0.3% (台幣202萬)
10萬美金以上: 0.4% (台幣310萬)
IRR即為可與定存比較的年化複利
算法如下:
躉繳儲蓄險IRR算法
儲蓄險或躉繳利變年金險解約金(IRR)算法
儲蓄險報酬率(IRR)試算網頁
IRR(內部報酬率):計算六年IRR,為何要將六年末解約金放在現金流的第”七”欄位
內部報酬率(IRR)概念:你是糊塗的工頭嗎?
不同保費折扣IRR統整在前:
儲蓄保險王
賴:
@wvr5039s
儲蓄保險王
台幣門檻 (萬元)
310
201.5
15.5
美金門檻 (萬元)
10
6.5
0.5
折扣
0.4%
0.3%
0
年
IRR
IRR
IRR
1
-20.03%
-20.11%
-20.35%
2
-8.20%
-8.24%
-8.38%
3
1.6806%
1.6466%
1.5448%
4
2.3072%
2.2815%
2.2048%
5
2.6044%
2.5838%
2.5222%
6
2.9710%
2.9537%
2.9022%
7
3.0724%
3.0576%
3.0134%
8
3.1487%
3.1358%
3.0971%
9
3.2078%
3.1963%
3.1619%
10
3.2552%
3.2448%
3.2138%
11
3.2939%
3.2844%
3.2562%
12
3.3265%
3.3179%
3.2920%
13
3.3538%
3.3458%
3.3219%
14
3.3774%
3.3699%
3.3478%
15
3.3977%
3.3907%
3.3700%
16
3.4156%
3.4091%
3.3897%
17
3.4312%
3.4251%
3.4069%
18
3.4452%
3.4394%
3.4222%
19
3.4577%
3.4523%
3.4359%
20
3.4690%
3.4638%
3.4483%
0.4%折扣 (310萬台幣):
FB:
儲蓄保險王
賴:
@wvr5039s
儲蓄保險王
FB:
儲蓄保險王
宣告
表定保費
174570.0
折扣
美金鑽
2%
賴:
@wvr5039s
3.7%
實繳保費
173871.7
0.4%
解約金
定存
美金儲蓄險勝出
年
解約金
IRR
總報酬率
增加率
總報酬率
絕對利差
相對利差
1
139041
-20.03%
-20.03%
2.00%
2
146533
-8.20%
-15.72%
4.04%
3
182786
1.68%
5.13%
6.12%
4
190482
2.31%
9.55%
4.21%
8.24%
0.33%
15.89%
5
197724
2.60%
13.72%
3.80%
10.41%
0.66%
31.80%
6
207261
2.97%
19.20%
4.82%
12.62%
1.10%
52.21%
7
214895
3.07%
23.59%
3.68%
14.87%
1.25%
58.68%
8
222813
3.15%
28.15%
3.68%
17.17%
1.37%
63.98%
9
231016
3.21%
32.87%
3.68%
19.51%
1.48%
68.46%
10
239523
3.26%
37.76%
3.68%
21.90%
1.59%
72.42%
11
248341
3.29%
42.83%
3.68%
24.34%
1.68%
75.98%
12
257496
3.33%
48.10%
3.69%
26.82%
1.77%
79.30%
13
266975
3.35%
53.55%
3.68%
29.36%
1.86%
82.38%
14
276812
3.38%
59.20%
3.68%
31.95%
1.95%
85.32%
15
287005
3.40%
65.07%
3.68%
34.59%
2.03%
88.13%
16
297582
3.42%
71.15%
3.69%
37.28%
2.12%
90.86%
17
308538
3.43%
77.45%
3.68%
40.02%
2.20%
93.51%
18
319900
3.45%
83.99%
3.68%
42.82%
2.29%
96.12%
19
331684
3.46%
90.76%
3.68%
45.68%
2.37%
98.69%
20
343901
3.47%
97.79%
3.68%
48.59%
2.46%
101.24%
兩年內解約為虧損負報酬
3,4年IRR約同定存水準
3 -> 4年解約金增加率4.2%
5 -> 6年解約金增加率4.8%
6年IRR 3%,相對利差勝出定存52%
長期解約金增加率3.7%
20年總報酬率97.79%,接近資產翻倍
0.3%折扣 (202萬台幣):
FB:
儲蓄保險王
賴:
@wvr5039s
儲蓄保險王
FB:
儲蓄保險王
宣告
表定保費
174570.0
折扣
美金鑽
2%
賴:
@wvr5039s
3.7%
實繳保費
174046.3
0.3%
解約金
定存
美金儲蓄險勝出
年
解約金
IRR
總報酬率
增加率
總報酬率
絕對利差
相對利差
1
139041
-20.11%
-20.11%
2.00%
2
146533
-8.24%
-15.81%
4.04%
3
182786
1.65%
5.02%
6.12%
4
190482
2.28%
9.44%
4.21%
8.24%
0.30%
14.56%
5
197724
2.58%
13.60%
3.80%
10.41%
0.64%
30.71%
6
207261
2.95%
19.08%
4.82%
12.62%
1.08%
51.26%
7
214895
3.06%
23.47%
3.68%
14.87%
1.23%
57.85%
8
222813
3.14%
28.02%
3.68%
17.17%
1.36%
63.23%
9
231016
3.20%
32.73%
3.68%
19.51%
1.47%
67.78%
10
239523
3.24%
37.62%
3.68%
21.90%
1.57%
71.79%
11
248341
3.28%
42.69%
3.68%
24.34%
1.67%
75.40%
12
257496
3.32%
47.95%
3.69%
26.82%
1.76%
78.74%
13
266975
3.35%
53.39%
3.68%
29.36%
1.85%
81.85%
14
276812
3.37%
59.05%
3.68%
31.95%
1.94%
84.82%
15
287005
3.39%
64.90%
3.68%
34.59%
2.02%
87.65%
16
297582
3.41%
70.98%
3.69%
37.28%
2.11%
90.40%
17
308538
3.43%
77.27%
3.68%
40.02%
2.19%
93.07%
18
319900
3.44%
83.80%
3.68%
42.82%
2.28%
95.69%
19
331684
3.45%
90.57%
3.68%
45.68%
2.36%
98.27%
20
343901
3.46%
97.59%
3.68%
48.59%
2.45%
100.83%
0%折扣(16萬台幣):
FB:
儲蓄保險王
賴:
@wvr5039s
儲蓄保險王
FB:
儲蓄保險王
宣告
表定保費
174570.0
折扣
美金鑽
2%
賴:
@wvr5039s
3.7%
實繳保費
174570.0
0.0%
解約金
定存
美金儲蓄險勝出
年
解約金
IRR
總報酬率
增加率
總報酬率
絕對利差
相對利差
1
139041
-20.35%
-20.35%
2.00%
2
146533
-8.38%
-16.06%
4.04%
3
182786
1.54%
4.71%
6.12%
4
190482
2.20%
9.11%
4.21%
8.24%
0.22%
10.58%
5
197724
2.52%
13.26%
3.80%
10.41%
0.57%
27.43%
6
207261
2.90%
18.73%
4.82%
12.62%
1.02%
48.43%
7
214895
3.01%
23.10%
3.68%
14.87%
1.18%
55.36%
8
222813
3.10%
27.64%
3.68%
17.17%
1.31%
60.99%
9
231016
3.16%
32.33%
3.68%
19.51%
1.43%
65.74%
10
239523
3.21%
37.21%
3.68%
21.90%
1.53%
69.90%
11
248341
3.26%
42.26%
3.68%
24.34%
1.63%
73.64%
12
257496
3.29%
47.50%
3.69%
26.82%
1.72%
77.09%
13
266975
3.32%
52.93%
3.68%
29.36%
1.81%
80.29%
14
276812
3.35%
58.57%
3.68%
31.95%
1.90%
83.32%
15
287005
3.37%
64.41%
3.68%
34.59%
1.99%
86.22%
16
297582
3.39%
70.47%
3.69%
37.28%
2.07%
89.02%
17
308538
3.41%
76.74%
3.68%
40.02%
2.16%
91.74%
18
319900
3.42%
83.25%
3.68%
42.82%
2.25%
94.40%
19
331684
3.44%
90.00%
3.68%
45.68%
2.33%
97.02%
20
343901
3.45%
97.00%
3.68%
48.59%
2.42%
99.61%
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