中國人壽美鑫利率變動型終身壽險IRR分析（2019/4月宣告利率3.7%） – 儲蓄保險王

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看完建議書,再看高保額折扣

每萬保額保費: 9680

只要台幣47萬就能取得0.3%折扣

 

前傳:

宣告利率4%的躉繳美金儲蓄險:

中國人壽美鑫(APEUPL)美元利率變動型終身壽險IRR分析

撰文當時的宣告利率為4%

在金管會的干預下

各家保險公司”有”約而同地

將宣告利率調降到3.7%

本篇要用新的宣告利率重新計算IRR

美金定存就以2%為例

 

0.6%折扣(15萬美金~465萬台幣):

FB:	儲蓄保險王	Line:	@wvr5039s	儲蓄保險王	@wvr5039s	儲蓄保險王
宣告	表定保費	145200	折扣	解約金 增加率	2.00%	相對利差 美鑫勝出
3.7%	實繳保費	144329	0.6%		定存
年	解約金	IRR	總報酬率		總報酬率
1	115869	-19.72%	-19.72%		2.00%
2	145323	0.3438%	0.69%		4.04%
3	152570	1.8682%	5.71%	4.99%	6.12%
4	159217	2.4847%	10.32%	4.36%	8.24%	25.14%
5	165179	2.7355%	14.45%	3.74%	10.41%	38.80%
6	172926	3.0587%	19.81%	4.69%	12.62%	57.05%
7	179390	3.1554%	24.29%	3.74%	14.87%	63.38%
8	186091	3.2278%	28.94%	3.74%	17.17%	68.56%
9	193040	3.2839%	33.75%	3.73%	19.51%	73.00%
10	200261	3.3295%	38.75%	3.74%	21.90%	76.96%
11	207727	3.3657%	43.93%	3.73%	24.34%	80.49%
12	215484	3.3963%	49.30%	3.73%	26.82%	83.79%
13	223523	3.4220%	54.87%	3.73%	29.36%	86.89%
14	231873	3.4444%	60.66%	3.74%	31.95%	89.86%
15	240543	3.4640%	66.66%	3.74%	34.59%	92.74%
16	249524	3.4808%	72.89%	3.73%	37.28%	95.52%
17	258826	3.4954%	79.33%	3.73%	40.02%	98.21%
18	268503	3.5089%	86.04%	3.74%	42.82%	100.90%
19	278523	3.5206%	92.98%	3.73%	45.68%	103.54%
20	288921	3.5312%	100.18%	3.73%	48.59%	106.16%

雖然宣告利率從4%下降到3.7%

美鑫依然延續短短兩年就保本的特色

兩年IRR 0.3%

三年IRR 1.9%跟美金定存相當

五年IRR 2.7%,相對利差勝出定存39%

只多一年而已,六年IRR就跳升到3.1%,

解約金增加率4.7%

相對利差勝出定存57%

七年以後,解約金增加率3.7%

18年IRR 3.5%, 相對利差101%

也就是利息是定存的2倍

20年總報酬率100%,資產翻倍

 

不同高保額折扣IRR統整在前:

儲蓄保險王	賴:  @wvr5039s	儲蓄保險王
折扣:	0.6%	0.5%	0.3%	0.0%
年	>15萬	6.5~15萬	1.5~6.5萬	<1.5萬
	465萬台幣	202萬台幣	47萬台幣
1	-19.72%	-19.80%	-19.96%	-20.20%
2	0.3438%	0.2934%	0.1927%	0.0423%
3	1.8682%	1.8341%	1.7659%	1.6641%
4	2.4847%	2.4590%	2.4075%	2.3306%
5	2.7355%	2.7148%	2.6736%	2.6119%
6	3.0587%	3.0414%	3.0069%	2.9554%
7	3.1554%	3.1406%	3.1110%	3.0668%
8	3.2278%	3.2148%	3.1889%	3.1501%
9	3.2839%	3.2724%	3.2493%	3.2149%
10	3.3295%	3.3191%	3.2984%	3.2673%
11	3.3657%	3.3562%	3.3374%	3.3091%
12	3.3963%	3.3877%	3.3704%	3.3445%
13	3.4220%	3.4140%	3.3980%	3.3742%
14	3.4444%	3.4370%	3.4221%	3.3999%
15	3.4640%	3.4571%	3.4432%	3.4225%
16	3.4808%	3.4743%	3.4614%	3.4419%
17	3.4954%	3.4892%	3.4770%	3.4587%
18	3.5089%	3.5031%	3.4915%	3.4743%
19	3.5206%	3.5151%	3.5042%	3.4878%
20	3.5312%	3.5260%	3.5156%	3.5001%

 

0.5%折扣 (6.5萬美金~202萬台幣):

FB:	儲蓄保險王	Line:	@wvr5039s	儲蓄保險王	@wvr5039s	儲蓄保險王
宣告	表定保費	145200	折扣	解約金 增加率	2.00%	相對利差 美鑫勝出
3.7%	實繳保費	144474	0.5%		定存
年	解約金	IRR	總報酬率		總報酬率
1	115869	-19.80%	-19.80%		2.00%
2	145323	0.2934%	0.59%		4.04%
3	152570	1.8341%	5.60%	4.99%	6.12%
4	159217	2.4590%	10.20%	4.36%	8.24%	23.79%
5	165179	2.7148%	14.33%	3.74%	10.41%	37.69%
6	172926	3.0414%	19.69%	4.69%	12.62%	56.10%
7	179390	3.1406%	24.17%	3.74%	14.87%	62.54%
8	186091	3.2148%	28.81%	3.74%	17.17%	67.81%
9	193040	3.2724%	33.62%	3.73%	19.51%	72.31%
10	200261	3.3191%	38.61%	3.74%	21.90%	76.32%
11	207727	3.3562%	43.78%	3.73%	24.34%	79.89%
12	215484	3.3877%	49.15%	3.73%	26.82%	83.23%
13	223523	3.4140%	54.72%	3.73%	29.36%	86.35%
14	231873	3.4370%	60.49%	3.74%	31.95%	89.35%
15	240543	3.4571%	66.50%	3.74%	34.59%	92.26%
16	249524	3.4743%	72.71%	3.73%	37.28%	95.05%
17	258826	3.4892%	79.15%	3.73%	40.02%	97.76%
18	268503	3.5031%	85.85%	3.74%	42.82%	100.47%
19	278523	3.5151%	92.78%	3.73%	45.68%	103.11%
20	288921	3.5260%	99.98%	3.73%	48.59%	105.75%

 

0.3%折扣(1.5萬美金~47萬台幣):

FB:	儲蓄保險王	Line:	@wvr5039s	儲蓄保險王	@wvr5039s	儲蓄保險王
宣告	表定保費	145200	折扣	解約金 增加率	2.00%	相對利差 美鑫勝出
3.7%	實繳保費	144764	0.3%		定存
年	解約金	IRR	總報酬率		總報酬率
1	115869	-19.96%	-19.96%		2.00%
2	145323	0.1927%	0.39%		4.04%
3	152570	1.7659%	5.39%	4.99%	6.12%
4	159217	2.4075%	9.98%	4.36%	8.24%	21.11%
5	165179	2.6736%	14.10%	3.74%	10.41%	35.49%
6	172926	3.0069%	19.45%	4.69%	12.62%	54.19%
7	179390	3.1110%	23.92%	3.74%	14.87%	60.87%
8	186091	3.1889%	28.55%	3.74%	17.17%	66.30%
9	193040	3.2493%	33.35%	3.73%	19.51%	70.93%
10	200261	3.2984%	38.34%	3.74%	21.90%	75.05%
11	207727	3.3374%	43.49%	3.73%	24.34%	78.71%
12	215484	3.3704%	48.85%	3.73%	26.82%	82.12%
13	223523	3.3980%	54.40%	3.73%	29.36%	85.30%
14	231873	3.4221%	60.17%	3.74%	31.95%	88.35%
15	240543	3.4432%	66.16%	3.74%	34.59%	91.29%
16	249524	3.4614%	72.37%	3.73%	37.28%	94.12%
17	258826	3.4770%	78.79%	3.73%	40.02%	96.86%
18	268503	3.4915%	85.48%	3.74%	42.82%	99.60%
19	278523	3.5042%	92.40%	3.73%	45.68%	102.27%
20	288921	3.5156%	99.58%	3.73%	48.59%	104.92%

 

0%折扣: 

FB:	儲蓄保險王	Line:	@wvr5039s	儲蓄保險王	@wvr5039s	儲蓄保險王
宣告	表定保費	145200	折扣	解約金 增加率	2.00%	相對利差 美鑫勝出
3.7%	實繳保費	145200	0.0%		定存
年	解約金	IRR	總報酬率		總報酬率
1	115869	-20.20%	-20.20%		2.00%
2	145323	0.0423%	0.08%		4.04%
3	152570	1.6641%	5.08%	4.99%	6.12%
4	159217	2.3306%	9.65%	4.36%	8.24%	17.11%
5	165179	2.6119%	13.76%	3.74%	10.41%	32.20%
6	172926	2.9554%	19.10%	4.69%	12.62%	51.35%
7	179390	3.0668%	23.55%	3.74%	14.87%	58.37%
8	186091	3.1501%	28.16%	3.74%	17.17%	64.06%
9	193040	3.2149%	32.95%	3.73%	19.51%	68.88%
10	200261	3.2673%	37.92%	3.74%	21.90%	73.16%
11	207727	3.3091%	43.06%	3.73%	24.34%	76.94%
12	215484	3.3445%	48.40%	3.73%	26.82%	80.45%
13	223523	3.3742%	53.94%	3.73%	29.36%	83.72%
14	231873	3.3999%	59.69%	3.74%	31.95%	86.84%
15	240543	3.4225%	65.66%	3.74%	34.59%	89.85%
16	249524	3.4419%	71.85%	3.73%	37.28%	92.73%
17	258826	3.4587%	78.25%	3.73%	40.02%	95.52%
18	268503	3.4743%	84.92%	3.74%	42.82%	98.30%
19	278523	3.4878%	91.82%	3.73%	45.68%	101.00%
20	288921	3.5001%	98.98%	3.73%	48.59%	103.69%