Zi 字媒體
2017-07-25T20:27:27+00:00
建議書由保經業務員提供,
若需推薦,請至儲蓄保險王粉絲團私訊
看完建議書,再看高保額折扣:
保額1.5萬~2.5萬: 0.1%折扣 (約47萬台幣)
保額2.5萬以上: 0.2%折扣 (約78萬台幣)
保費接近保額
不會太難達到最高的0.2%折扣
增值回饋金的使用方式為
購買繳清保額
富邦人壽的DM:
商品特色
享方便-一次繳費,滿足終身美元資產規劃及配置需求
享滿足-有機會享有增值回饋分享金轉增購保額,保障多多
享安心-身故或完全失能保險金可選擇分期給付,安心照顧家人
投保規則
繳費年期:躉繳
繳別:躉繳
保障內容
保障年期 : 終身
幣別 : 美元
宣告利率最高時有
3.97% (2019/1月)
今年四月時,因金管會干預
各家保險公司皆調降宣告利率
目前宣告利率3.65%
本文IRR以宣告利率維持3.65%不變計算
IRR(內部報酬率)
時間單位不一定要用”年”
只是最常使用“年”
若以年為單位
就是可以跟定存比較利率的“年化複利”
計算方式可以看以下幾篇文章:
儲蓄險或躉繳利變年金險解約金(IRR)算法
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
躉繳儲蓄險IRR算法
內部報酬率(IRR)概念:你是糊塗的工頭嗎?
解約金應該要計算年度末+1天
或次年度初
才比年度末合理,
原因可以看以下文章:
利變年金險的提前解約費用
利變年金險的提前解約費用(續) & 可悲的台灣教育
但富邦僅有提供年度末解約金
只能當富邦自婊
六年內IRR算出來的結果
會比其他保險公司吃虧
這張富邦人壽美滿富貴(FIX)
跟自家的美利富貴(FIA)有何差別呢?
其實還真沒什麼差
連折扣門檻都非常接近
比較明顯的差別在首兩年的負報酬
美利富貴(FIA)虧損較少
不過這純屬”奇摩子”問題
先將不同折扣IRR統整在前:
儲蓄保險王
富邦人壽美滿富貴 (FIX)
富邦人壽美利富貴 (FIA)
台幣保費門檻
78萬
47萬
78萬
52萬
折扣:
0.2%
0.1%
0%
0.3%
0.2%
0%
年
IRR
IRR
IRR
IRR
IRR
IRR
1
-24.85%
-24.93%
-25.00%
-6.39%
-6.48%
-6.67%
2
-11.46%
-11.51%
-11.55%
-0.67%
-0.72%
-0.82%
3
1.22%
1.19%
1.16%
1.28%
1.24%
1.18%
4
2.18%
2.15%
2.12%
2.19%
2.17%
2.12%
5
2.60%
2.58%
2.56%
2.61%
2.59%
2.55%
6
2.84%
2.82%
2.80%
2.82%
2.80%
2.76%
7
3.09%
3.07%
3.06%
3.07%
3.06%
3.03%
8
3.16%
3.15%
3.14%
3.15%
3.13%
3.11%
9
3.22%
3.21%
3.20%
3.21%
3.19%
3.17%
10
3.27%
3.26%
3.25%
3.25%
3.24%
3.22%
11
3.31%
3.30%
3.29%
3.29%
3.28%
3.27%
12
3.34%
3.33%
3.32%
3.33%
3.32%
3.30%
13
3.36%
3.36%
3.35%
3.35%
3.34%
3.33%
14
3.39%
3.38%
3.37%
3.38%
3.37%
3.35%
15
3.41%
3.40%
3.39%
3.40%
3.39%
3.38%
16
3.42%
3.42%
3.41%
3.41%
3.41%
3.40%
17
3.44%
3.43%
3.43%
3.43%
3.43%
3.41%
18
3.45%
3.45%
3.44%
3.44%
3.44%
3.43%
19
3.47%
3.46%
3.46%
3.46%
3.45%
3.44%
20
3.48%
3.47%
3.47%
3.47%
3.46%
3.45%
首兩年虧損負報酬
三年IRR約同台幣定存
四年IRR約同美金定存
0.2%折扣 (78萬台幣保費):
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
23932
折扣
美滿富貴
2%
賴:
@wvr5039s
3.65%
實繳保費
23884
0.2%
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
17948
-24.85%
-24.85%
2.00%
2
18723
-11.46%
-21.61%
4.04%
3
24771
1.22%
3.71%
6.12%
4
26031
2.18%
8.99%
5.09%
8.24%
0.19%
9.04%
5
27151
2.60%
13.68%
4.30%
10.41%
0.65%
31.42%
6
28246
2.84%
18.26%
4.03%
12.62%
0.94%
44.75%
7
29552
3.09%
23.73%
4.62%
14.87%
1.27%
59.60%
8
30643
3.16%
28.30%
3.69%
17.17%
1.39%
64.85%
9
31771
3.22%
33.02%
3.68%
19.51%
1.50%
69.26%
10
32944
3.27%
37.93%
3.69%
21.90%
1.60%
73.21%
11
34159
3.31%
43.02%
3.69%
24.34%
1.70%
76.76%
12
35417
3.34%
48.29%
3.68%
26.82%
1.79%
80.01%
13
36724
3.36%
53.76%
3.69%
29.36%
1.88%
83.10%
14
38077
3.39%
59.42%
3.68%
31.95%
1.96%
86.00%
15
39478
3.41%
65.29%
3.68%
34.59%
2.05%
88.77%
16
40937
3.42%
71.40%
3.70%
37.28%
2.13%
91.53%
17
42447
3.44%
77.72%
3.69%
40.02%
2.22%
94.18%
18
44009
3.45%
84.26%
3.68%
42.82%
2.30%
96.76%
19
45633
3.47%
91.06%
3.69%
45.68%
2.39%
99.34%
20
47313
3.48%
98.09%
3.68%
48.59%
2.47%
101.86%
首兩年虧損負報酬
三年IRR 1.22%約同台幣定存
四年IRR 2.18%約同美金定存
3 -> 4年,解約金增加率5.09%
五年IRR 2.6%
4 -> 5年,解約金增加率4.3%
較長期的解約金增加率~3.7%
20年IRR 3.48%
跟定存相對利差102%,
也就是利息是定存的2倍
總報酬率98%,接近資產翻倍
0.1%折扣(47萬台幣保費)
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
23932
折扣
美滿富貴
2%
賴:
@wvr5039s
3.65%
實繳保費
23908
0.1%
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
17948
-24.93%
-24.93%
2.00%
2
18723
-11.51%
-21.69%
4.04%
3
24771
1.19%
3.61%
6.12%
4
26031
2.15%
8.88%
5.09%
8.24%
0.16%
7.72%
5
27151
2.58%
13.56%
4.30%
10.41%
0.63%
30.32%
6
28246
2.82%
18.14%
4.03%
12.62%
0.92%
43.82%
7
29552
3.07%
23.61%
4.62%
14.87%
1.25%
58.77%
8
30643
3.15%
28.17%
3.69%
17.17%
1.38%
64.10%
9
31771
3.21%
32.89%
3.68%
19.51%
1.49%
68.58%
10
32944
3.26%
37.79%
3.69%
21.90%
1.59%
72.58%
11
34159
3.30%
42.88%
3.69%
24.34%
1.69%
76.17%
12
35417
3.33%
48.14%
3.68%
26.82%
1.78%
79.46%
13
36724
3.36%
53.61%
3.69%
29.36%
1.86%
82.57%
14
38077
3.38%
59.26%
3.68%
31.95%
1.95%
85.50%
15
39478
3.40%
65.12%
3.68%
34.59%
2.04%
88.29%
16
40937
3.42%
71.23%
3.70%
37.28%
2.12%
91.07%
17
42447
3.43%
77.54%
3.69%
40.02%
2.21%
93.74%
18
44009
3.45%
84.08%
3.68%
42.82%
2.29%
96.33%
19
45633
3.46%
90.87%
3.69%
45.68%
2.38%
98.92%
20
47313
3.47%
97.90%
3.68%
48.59%
2.47%
101.45%
0%折扣:
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
23932
折扣
美滿富貴
2%
賴:
@wvr5039s
3.65%
實繳保費
23932
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
17948
-25.00%
-25.00%
2.00%
2
18723
-11.55%
-21.77%
4.04%
3
24771
1.16%
3.51%
6.12%
4
26031
2.12%
8.77%
5.09%
8.24%
0.13%
6.40%
5
27151
2.56%
13.45%
4.30%
10.41%
0.61%
29.23%
6
28246
2.80%
18.03%
4.03%
12.62%
0.90%
42.88%
7
29552
3.06%
23.48%
4.62%
14.87%
1.23%
57.94%
8
30643
3.14%
28.04%
3.69%
17.17%
1.36%
63.36%
9
31771
3.20%
32.76%
3.68%
19.51%
1.47%
67.90%
10
32944
3.25%
37.66%
3.69%
21.90%
1.58%
71.95%
11
34159
3.29%
42.73%
3.69%
24.34%
1.67%
75.59%
12
35417
3.32%
47.99%
3.68%
26.82%
1.76%
78.91%
13
36724
3.35%
53.45%
3.69%
29.36%
1.85%
82.05%
14
38077
3.37%
59.10%
3.68%
31.95%
1.94%
85.00%
15
39478
3.39%
64.96%
3.68%
34.59%
2.02%
87.81%
16
40937
3.41%
71.06%
3.70%
37.28%
2.11%
90.61%
17
42447
3.43%
77.37%
3.69%
40.02%
2.20%
93.30%
18
44009
3.44%
83.89%
3.68%
42.82%
2.28%
95.90%
19
45633
3.46%
90.68%
3.69%
45.68%
2.37%
98.50%
20
47313
3.47%
97.70%
3.68%
48.59%
2.46%
101.05%
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