Zi 字媒體

首次撰寫美旺福的文章 是去年(2018年)五月 當時美旺福宣告利率剛從3.88%提高到3.92% 稱之為IRR之王歸來 18年七月又再提高宣告利率到3.97% 今年1月宣告利率正式站上4% (美旺福宣告利率點此查詢) 一直杞人憂天 擔心宣告利率降低的人 不只錯過多次升息 還錯過了貨幣的時間價值   相較於其他保險公司,例如:中壽 推出更高利率新商品(美鑫) 舊商品(美晶)維持宣告利率不變的做法 新光直接提高舊商品宣告利率的做法 連舊保戶都有照顧到,更顯誠意 宣告利率大亂鬥 新光PK中壽, 難分難斷,恩怨未了 文末番外篇 附上新光美旺福PK中壽美鑫   以上是宣告利率4%的建議書 看完建議書再看高保費折扣 3.5萬~15萬(美金): 0.3%(台幣110萬以上) 15萬美金以上: 0.5% (台幣470萬以上) 以上建議書有最高的0.5%折扣   以星展星禧數位銀行美金2%活存為比較對象 3/31以前完成四大任務 即可獲得1000元, 優惠不錯,敬請把握機會 點此申請星禧數位帳戶(美金2%高利活存) 點此線上辦卡   廢話不說! 來看新光美旺福的表現 0.5%折扣(15萬鎂~470萬台幣): 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 100.5 折扣 美旺福 2% 賴:  @wvr5039s 4% 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 95.1 -4.90% -4.90% 　 2.00% 　 　 2 100.04 0.02% 0.04% 　 4.04% 　 　 3 106.2 2.03% 6.20% 　 6.12% 　 　 4 111.56 2.77% 11.56% 5.05% 8.24% 0.83% 40.24% 5 116.09 3.03% 16.09% 4.06% 10.41% 1.14% 54.59% 6 121.87 3.35% 21.87% 4.98% 12.62% 1.54% 73.35% 7 126.79 3.45% 26.79% 4.04% 14.87% 1.70% 80.18% 8 131.92 3.52% 31.92% 4.05% 17.17% 1.84% 85.95% 9 137.24 3.58% 37.24% 4.03% 19.51% 1.97% 90.88% 10 142.79 3.63% 42.79% 4.04% 21.90% 2.09% 95.39% 11 148.56 3.66% 48.56% 4.04% 24.34% 2.20% 99.53% 12 154.56 3.70% 54.56% 4.04% 26.82% 2.31% 103.40% 13 160.8 3.72% 60.80% 4.04% 29.36% 2.42% 107.08% 14 167.3 3.74% 67.30% 4.04% 31.95% 2.53% 110.66% 15 174.05 3.76% 74.05% 4.03% 34.59% 2.63% 114.10% 16 181.08 3.78% 81.08% 4.04% 37.28% 2.74% 117.50% 17 188.4 3.80% 88.40% 4.04% 40.02% 2.85% 120.87% 18 196.01 3.81% 96.01% 4.04% 42.82% 2.95% 124.19% 19 203.93 3.82% 103.93% 4.04% 45.68% 3.07% 127.51% 20 212.16 3.83% 112.16% 4.04% 48.59% 3.18% 130.81% 在最高保費折扣的情況下 兩年就保本 三年IRR 2.03%跟定存相當 五年IRR 3.03%,相對利差勝出定存55% 只多一年而已 六年IRR就跳升到3.35% 解約金增加率4.98% 相對利差勝出定存73% 七年以後解約金增加率約4% 十年總報酬率43% 相對利差95% 也就是利息快要定存的2倍 19年總報酬率104% 資產翻倍   不同高保費折扣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 -4.90% -5.09% -5.38% 2 0.02% -0.08% -0.23% 3 2.03% 1.96% 1.86% 4 2.77% 2.72% 2.64% 5 3.03% 2.99% 2.93% 6 3.35% 3.32% 3.27% 7 3.45% 3.42% 3.37% 8 3.52% 3.50% 3.46% 9 3.58% 3.56% 3.52% 10 3.63% 3.61% 3.57% 11 3.66% 3.64% 3.62% 12 3.70% 3.68% 3.65% 13 3.72% 3.71% 3.68% 14 3.74% 3.73% 3.71% 15 3.76% 3.75% 3.73% 16 3.78% 3.77% 3.75% 17 3.80% 3.78% 3.77% 18 3.81% 3.80% 3.78% 19 3.82% 3.81% 3.79% 20 3.83% 3.82% 3.81%   0.3%折扣(3.5萬鎂~110萬台幣): 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 100.5 折扣 美旺福 2% 賴:  @wvr5039s 4% 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 95.1 -5.09% -5.09% 　 2.00% 　 　 2 100.04 -0.08% -0.16% 　 4.04% 　 　 3 106.2 1.96% 5.99% 　 6.12% 　 　 4 111.56 2.72% 11.34% 5.05% 8.24% 0.77% 37.52% 5 116.09 2.99% 15.86% 4.06% 10.41% 1.09% 52.35% 6 121.87 3.32% 21.63% 4.98% 12.62% 1.50% 71.41% 7 126.79 3.42% 26.54% 4.04% 14.87% 1.67% 78.47% 8 131.92 3.50% 31.66% 4.05% 17.17% 1.81% 84.41% 9 137.24 3.56% 36.96% 4.03% 19.51% 1.94% 89.47% 10 142.79 3.61% 42.50% 4.04% 21.90% 2.06% 94.09% 11 148.56 3.64% 48.26% 4.04% 24.34% 2.17% 98.30% 12 154.56 3.68% 54.25% 4.04% 26.82% 2.29% 102.24% 13 160.8 3.71% 60.48% 4.04% 29.36% 2.39% 105.98% 14 167.3 3.73% 66.96% 4.04% 31.95% 2.50% 109.61% 15 174.05 3.75% 73.70% 4.03% 34.59% 2.61% 113.09% 16 181.08 3.77% 80.72% 4.04% 37.28% 2.71% 116.52% 17 188.4 3.78% 88.02% 4.04% 40.02% 2.82% 119.92% 18 196.01 3.80% 95.62% 4.04% 42.82% 2.93% 123.28% 19 203.93 3.81% 103.52% 4.04% 45.68% 3.04% 126.62% 20 212.16 3.82% 111.73% 4.04% 48.59% 3.16% 129.93%   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 100.5 折扣 美旺福 2% 賴:  @wvr5039s 4% 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 95.1 -5.38% -5.38% 　 2.00% 　 　 2 100.04 -0.23% -0.46% 　 4.04% 　 　 3 106.2 1.86% 5.67% 　 6.12% 　 　 4 111.56 2.64% 11.00% 5.05% 8.24% 0.69% 33.47% 5 116.09 2.93% 15.51% 4.06% 10.41% 1.02% 49.01% 6 121.87 3.27% 21.26% 4.98% 12.62% 1.44% 68.52% 7 126.79 3.37% 26.16% 4.04% 14.87% 1.61% 75.92% 8 131.92 3.46% 31.26% 4.05% 17.17% 1.76% 82.11% 9 137.24 3.52% 36.55% 4.03% 19.51% 1.89% 87.37% 10 142.79 3.57% 42.08% 4.04% 21.90% 2.02% 92.13% 11 148.56 3.62% 47.82% 4.04% 24.34% 2.13% 96.48% 12 154.56 3.65% 53.79% 4.04% 26.82% 2.25% 100.52% 13 160.8 3.68% 60.00% 4.04% 29.36% 2.36% 104.34% 14 167.3 3.71% 66.46% 4.04% 31.95% 2.47% 108.04% 15 174.05 3.73% 73.18% 4.03% 34.59% 2.57% 111.58% 16 181.08 3.75% 80.17% 4.04% 37.28% 2.68% 115.07% 17 188.4 3.77% 87.46% 4.04% 40.02% 2.79% 118.51% 18 196.01 3.78% 95.03% 4.04% 42.82% 2.90% 121.90% 19 203.93 3.79% 102.91% 4.04% 45.68% 3.01% 125.28% 20 212.16 3.81% 111.10% 4.04% 48.59% 3.13% 128.62%   新光美旺福PK中壽美鑫 就以一般人 不會太難達到的0.3%折扣一起比較: 儲蓄保險王 美旺福 美鑫  @wvr5039s 折扣 0.3% 0.30% 新光 保費(萬鎂) 3.5 1.5 美旺福 保費(萬台幣) 108.5 46.5 勝出 1 -5.09% -19.67% 14.58% 2 -0.08% 0.50% -0.5762% 3 1.96% 2.07% -0.1129% 4 2.72% 2.71% 0.0092% 5 2.99% 2.98% 0.0091% 6 3.32% 3.31% 0.0069% 7 3.42% 3.41% 0.0052% 8 3.50% 3.49% 0.0051% 9 3.56% 3.55% 0.0038% 10 3.61% 3.60% 0.0032% 11 3.64% 3.64% 0.0036% 12 3.68% 3.67% 0.0032% 13 3.71% 3.70% 0.0030% 14 3.73% 3.73% 0.0030% 15 3.75% 3.75% 0.0022% 16 3.77% 3.77% 0.0021% 17 3.78% 3.78% 0.0024% 18 3.80% 3.80% 0.0021% 19 3.81% 3.81% 0.0021% 20 3.82% 3.82% 0.0018% PK結果出爐 中壽美鑫只有二,三年IRR勝出 其他皆由新光美旺福勝出 但是差距已經在小數點下3位了 不到0.01% 只要宣告利率稍微變動 結果就有可能逆轉 儲蓄保險王認為 兩者都是相當優秀的商品 不分軒輊 這樣的差距, 基本上,對那一家保險公司印象好 選擇該公司的商品即可