Zi 字媒體
2017-07-25T20:27:27+00:00
建議書由保經業務員提供,
若需推薦,請至儲蓄保險王粉絲團私訊
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%
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