Zi 字媒體

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 看完建議書,再看高保額折扣 儲蓄保險王 保額 (美金) 折扣 台幣保費 中國人壽 美鑫 1.5萬~6.5萬 0.3% 47萬 6.5萬~15萬 0.5% 202萬 >15萬 0.6% 465萬 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%