富邦人壽美利富貴(FIA)外幣利率變動型終身壽險IRR分析(2019/4月宣告利率3.65%) – 儲蓄保險王

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看完建議書再看高保額折扣

保額6萬美金以上: 0.3%

保額4~6萬美金: 0.2%

保額1~4萬美金: 0%

以上建議書為6萬保額

保費約2.5萬美金,

折合台幣約75萬

享有最高的0.3%折扣

 

首次撰文富邦美利富貴是2018/1月

當時的宣告利率3.83%

本篇要用最新的宣告利率3.65%重新計算IRR

美金定存以2%為例

 

0.3%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	25134	折扣	美利富貴	2%	賴:	@wvr5039s
3.65%	實繳保費	25059	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	23458	-6.39%	-6.39%		2.00%
2	24722	-0.67%	-1.34%		4.04%
3	26031	1.28%	3.88%		6.12%
4	27332	2.19%	9.07%	5.00%	8.24%	0.21%	10.06%
5	28507	2.61%	13.76%	4.30%	10.41%	0.67%	32.22%
6	29602	2.82%	18.13%	3.84%	12.62%	0.92%	43.71%
7	30968	3.07%	23.58%	4.61%	14.87%	1.24%	58.61%
8	32109	3.15%	28.14%	3.68%	17.17%	1.37%	63.90%
9	33288	3.21%	32.84%	3.67%	19.51%	1.48%	68.33%
10	34516	3.25%	37.74%	3.69%	21.90%	1.58%	72.34%
11	35792	3.29%	42.83%	3.70%	24.34%	1.68%	76.00%
12	37105	3.33%	48.07%	3.67%	26.82%	1.77%	79.21%
13	38471	3.35%	53.52%	3.68%	29.36%	1.86%	82.30%
14	39891	3.38%	59.19%	3.69%	31.95%	1.95%	85.27%
15	41358	3.40%	65.05%	3.68%	34.59%	2.03%	88.06%
16	42883	3.41%	71.13%	3.69%	37.28%	2.12%	90.81%
17	44467	3.43%	77.45%	3.69%	40.02%	2.20%	93.51%
18	46096	3.44%	83.95%	3.66%	42.82%	2.28%	96.04%
19	47797	3.46%	90.74%	3.69%	45.68%	2.37%	98.64%
20	49555	3.47%	97.76%	3.68%	48.59%	2.46%	101.17%

兩年內解約為虧損負報酬

三年IRR=1.28%

三年後解約金年增加率3.7%~5%

說明升息升破儲蓄險利率的荒謬

六年IRR=2.8%,

跟美金定存(2%)相對利差44%

6->7年,多一年而已

IRR從2.8%跳升到3.1%

相對利差從44%跳升到59%

解約金年增加率為4.6%

七年後解約金年增加率約3.7%

20年IRR=3.5%

相對利差101%

也就是儲蓄險的利息為定存的2倍

 

0.2%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	25134	折扣	美利富貴	2%	賴:	@wvr5039s
3.65%	實繳保費	25084	0.2%	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	23458	-6.48%	-6.48%		2.00%
2	24722	-0.72%	-1.44%		4.04%
3	26031	1.24%	3.78%		6.12%
4	27332	2.17%	8.96%	5.00%	8.24%	0.18%	8.73%
5	28507	2.59%	13.65%	4.30%	10.41%	0.65%	31.12%
6	29602	2.80%	18.01%	3.84%	12.62%	0.90%	42.77%
7	30968	3.06%	23.46%	4.61%	14.87%	1.23%	57.77%
8	32109	3.13%	28.01%	3.68%	17.17%	1.36%	63.16%
9	33288	3.19%	32.71%	3.67%	19.51%	1.47%	67.65%
10	34516	3.24%	37.60%	3.69%	21.90%	1.57%	71.71%
11	35792	3.28%	42.69%	3.70%	24.34%	1.67%	75.41%
12	37105	3.32%	47.92%	3.67%	26.82%	1.76%	78.66%
13	38471	3.34%	53.37%	3.68%	29.36%	1.85%	81.77%
14	39891	3.37%	59.03%	3.69%	31.95%	1.93%	84.77%
15	41358	3.39%	64.88%	3.68%	34.59%	2.02%	87.59%
16	42883	3.41%	70.96%	3.69%	37.28%	2.11%	90.35%
17	44467	3.43%	77.27%	3.69%	40.02%	2.19%	93.07%
18	46096	3.44%	83.77%	3.66%	42.82%	2.27%	95.61%
19	47797	3.45%	90.55%	3.69%	45.68%	2.36%	98.22%
20	49555	3.46%	97.56%	3.68%	48.59%	2.45%	100.76%

 

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	25134	折扣	美利富貴	2%	賴:	@wvr5039s
3.65%	實繳保費	25134	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	23458	-6.67%	-6.67%		2.00%
2	24722	-0.82%	-1.64%		4.04%
3	26031	1.18%	3.57%		6.12%
4	27332	2.12%	8.75%	5.00%	8.24%	0.13%	6.09%
5	28507	2.55%	13.42%	4.30%	10.41%	0.60%	28.94%
6	29602	2.76%	17.78%	3.84%	12.62%	0.86%	40.90%
7	30968	3.03%	23.21%	4.61%	14.87%	1.19%	56.11%
8	32109	3.11%	27.75%	3.68%	17.17%	1.32%	61.66%
9	33288	3.17%	32.44%	3.67%	19.51%	1.44%	66.29%
10	34516	3.22%	37.33%	3.69%	21.90%	1.54%	70.45%
11	35792	3.27%	42.40%	3.70%	24.34%	1.64%	74.24%
12	37105	3.30%	47.63%	3.67%	26.82%	1.73%	77.56%
13	38471	3.33%	53.06%	3.68%	29.36%	1.82%	80.73%
14	39891	3.35%	58.71%	3.69%	31.95%	1.91%	83.78%
15	41358	3.38%	64.55%	3.68%	34.59%	2.00%	86.63%
16	42883	3.40%	70.62%	3.69%	37.28%	2.08%	89.43%
17	44467	3.41%	76.92%	3.69%	40.02%	2.17%	92.18%
18	46096	3.43%	83.40%	3.66%	42.82%	2.25%	94.75%
19	47797	3.44%	90.17%	3.69%	45.68%	2.34%	97.39%
20	49555	3.45%	97.16%	3.68%	48.59%	2.43%	99.95%