Zi 字媒體
2017-07-25T20:27:27+00:00
建議書由保經業務員提供
若需介紹,請至儲蓄保險王粉絲團私訊
點擊上圖可以連結高清版
看完建議書再看高保費折扣
3.5萬~15萬(美金): 0.3%(台幣105萬以上)
15萬美金以上: 0.5% (台幣450萬以上)
以上建議書有最高的0.5%折扣
在金管會的干預下
各家壽險公司”有“約而同地
將宣告利率下調到3.7%
金管會轄下的公平會,
追求消費者公平,反壟斷,
但這個宣告利率,彷彿金管會事先喬好似的,
彼此沒有任何競爭,危害消費者權益,
儲蓄保險王 不從事金融業,
有心人士再去檢舉1000次也是徒勞無功,
更無助於你自己的業績,
吃飽太閒的話,
不如去行政院檢舉金管會 (寫信給院長),
讓自家商品更有競爭力,還有助於業績。
廢話不說,
就來看宣告利率3.7%
美旺福的表現如何
定存用王道2%美金活存為例
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
100.5
折扣
美旺福
2%
賴:
@wvr5039s
3.7%
實繳保費
100.0
0.5%
解約金
定存
新光美旺福勝出
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
94.81
-5.19%
-5.19%
2.00%
2
99.44
-0.28%
-0.56%
4.04%
3
105.25
1.72%
5.25%
6.12%
4
110.25
2.47%
10.25%
4.75%
8.24%
0.50%
24.34%
5
114.38
2.72%
14.38%
3.75%
10.41%
0.79%
38.16%
6
119.74
3.05%
19.74%
4.69%
12.62%
1.19%
56.46%
7
124.21
3.15%
24.21%
3.73%
14.87%
1.33%
62.83%
8
128.85
3.22%
28.85%
3.74%
17.17%
1.46%
68.07%
9
133.66
3.28%
33.66%
3.73%
19.51%
1.57%
72.53%
10
138.65
3.32%
38.65%
3.73%
21.90%
1.68%
76.49%
11
143.83
3.36%
43.83%
3.74%
24.34%
1.77%
80.09%
12
149.2
3.39%
49.20%
3.73%
26.82%
1.86%
83.42%
13
154.77
3.42%
54.77%
3.73%
29.36%
1.95%
86.54%
14
160.55
3.44%
60.55%
3.73%
31.95%
2.04%
89.53%
15
166.55
3.46%
66.55%
3.74%
34.59%
2.13%
92.41%
16
172.77
3.48%
72.77%
3.73%
37.28%
2.22%
95.21%
17
179.22
3.49%
79.22%
3.73%
40.02%
2.31%
97.93%
18
185.91
3.50%
85.91%
3.73%
42.82%
2.39%
100.61%
19
192.85
3.52%
92.85%
3.73%
45.68%
2.48%
103.26%
20
200.05
3.53%
100.05%
3.73%
48.59%
2.57%
105.89%
三年IRR 1.72%
約同定存水準
多等一年,四年IRR就跳升到2.47%
解約金增加率4.75%
五年IRR 2.72%
六年IRR 3.05%
5 -> 6年,解約金增加率4.69%
雖然下降,
但六年相對利差仍勝出定存56%
之後解約金增加率超過3.7%
意指不論是定存利率提高
還是保單利率下降
定存都沒有任何機會追上儲蓄險
20年IRR 3.53%,總報酬率100%
資產翻倍
不同折扣IRR統整在前:
儲蓄保險王
賴:
@wvr5039s
折扣
0.5%
0.3%
0.0%
保費(萬鎂)
15
3.5
保費(萬台幣)
465
108.5
1
-5.19%
-5.38%
-5.66%
2
-0.28%
-0.38%
-0.53%
3
1.72%
1.65%
1.55%
4
2.47%
2.42%
2.34%
5
2.72%
2.68%
2.62%
6
3.05%
3.01%
2.96%
7
3.15%
3.12%
3.07%
8
3.22%
3.19%
3.15%
9
3.28%
3.25%
3.22%
10
3.32%
3.30%
3.27%
11
3.36%
3.34%
3.31%
12
3.39%
3.37%
3.35%
13
3.42%
3.40%
3.38%
14
3.44%
3.42%
3.40%
15
3.46%
3.45%
3.42%
16
3.48%
3.46%
3.44%
17
3.49%
3.48%
3.46%
18
3.50%
3.49%
3.48%
19
3.52%
3.51%
3.49%
20
3.53%
3.52%
3.50%
以下只有修改折扣為0.3%:
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
100.5
折扣
美旺福
2%
賴:
@wvr5039s
3.7%
實繳保費
100.2
0.3%
解約金
定存
新光美旺福勝出
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
94.81
-5.38%
-5.38%
2.00%
2
99.44
-0.38%
-0.76%
4.04%
3
105.25
1.65%
5.04%
6.12%
4
110.25
2.42%
10.03%
4.75%
8.24%
0.45%
21.66%
5
114.38
2.68%
14.15%
3.75%
10.41%
0.75%
35.96%
6
119.74
3.01%
19.50%
4.69%
12.62%
1.15%
54.56%
7
124.21
3.12%
23.96%
3.73%
14.87%
1.30%
61.15%
8
128.85
3.19%
28.59%
3.74%
17.17%
1.43%
66.56%
9
133.66
3.25%
33.39%
3.73%
19.51%
1.54%
71.16%
10
138.65
3.30%
38.37%
3.73%
21.90%
1.65%
75.22%
11
143.83
3.34%
43.54%
3.74%
24.34%
1.75%
78.91%
12
149.2
3.37%
48.90%
3.73%
26.82%
1.84%
82.30%
13
154.77
3.40%
54.46%
3.73%
29.36%
1.93%
85.48%
14
160.55
3.42%
60.23%
3.73%
31.95%
2.02%
88.52%
15
166.55
3.45%
66.22%
3.74%
34.59%
2.11%
91.45%
16
172.77
3.46%
72.42%
3.73%
37.28%
2.20%
94.28%
17
179.22
3.48%
78.86%
3.73%
40.02%
2.28%
97.03%
18
185.91
3.49%
85.54%
3.73%
42.82%
2.37%
99.74%
19
192.85
3.51%
92.46%
3.73%
45.68%
2.46%
102.41%
20
200.05
3.52%
99.65%
3.73%
48.59%
2.55%
105.06%
以下只有修改折扣為0%:
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
100.5
折扣
美旺福
2%
賴:
@wvr5039s
3.7%
實繳保費
100.5
0.0%
解約金
定存
新光美旺福勝出
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
94.81
-5.66%
-5.66%
2.00%
2
99.44
-0.53%
-1.06%
4.04%
3
105.25
1.55%
4.72%
6.12%
4
110.25
2.34%
9.70%
4.75%
8.24%
0.36%
17.66%
5
114.38
2.62%
13.81%
3.75%
10.41%
0.68%
32.67%
6
119.74
2.96%
19.14%
4.69%
12.62%
1.09%
51.72%
7
124.21
3.07%
23.59%
3.73%
14.87%
1.25%
58.65%
8
128.85
3.15%
28.21%
3.74%
17.17%
1.38%
64.31%
9
133.66
3.22%
32.99%
3.73%
19.51%
1.50%
69.11%
10
138.65
3.27%
37.96%
3.73%
21.90%
1.61%
73.32%
11
143.83
3.31%
43.11%
3.74%
24.34%
1.71%
77.14%
12
149.2
3.35%
48.45%
3.73%
26.82%
1.80%
80.64%
13
154.77
3.38%
54.00%
3.73%
29.36%
1.90%
83.91%
14
160.55
3.40%
59.75%
3.73%
31.95%
1.99%
87.01%
15
166.55
3.42%
65.72%
3.74%
34.59%
2.08%
90.01%
16
172.77
3.44%
71.91%
3.73%
37.28%
2.16%
92.89%
17
179.22
3.46%
78.32%
3.73%
40.02%
2.25%
95.69%
18
185.91
3.48%
84.98%
3.73%
42.82%
2.34%
98.44%
19
192.85
3.49%
91.89%
3.73%
45.68%
2.43%
101.15%
20
200.05
3.50%
99.05%
3.73%
48.59%
2.52%
103.83%
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