Zi 字媒體

建議書由保經業務員提供,若需推薦業務員, 可以至儲蓄保險王.正義真話侠粉絲團私訊 點擊上圖可以連結高清版 看完建議書再看高保額折扣 100萬~200萬: 0.2% 200萬~400萬: 0.3% 400萬~800萬: 0.5% 800萬以上: 0.6% 該建議書為800萬保額, 享有最高的0.6%折扣 保費約412萬 最低100萬保額即可享折扣 保費約50萬出頭 有別於一般的躉繳保單, 這張居然可以掛附約 附約保額最高同主約(1:1) 例如這張建議書, 保費412萬,保額800萬 最多可以附加800萬保額的 定期壽險,殘廢險(211R),意外險 如果同時有保障需求 終於不用再多弄一張 亂七八糟無用的主約了   廢話不說,就直接看IRR  FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s Line: @wvr5039s 保額: 800萬 折扣: 0.6% 　 定存 儲蓄險 保費: 4141600 實繳保費: 4116750 解約金 1.30% 勝出 年 解約金 IRR 總報酬率 年增加率 總報酬率 相對利差 1 3596845 -12.63% -12.63% 　 1.30% 　 2 3873497 -3.00% -5.91% 　 2.62% 　 3 4158917 0.34% 1.02% 　 3.95% 　 4 4327551 1.26% 5.12% 　 5.30% 　 5 4500274 1.80% 9.32% 3.99% 6.67% 39.65% 6 4678152 2.15% 13.64% 3.95% 8.06% 69.24% 7 4860343 2.40% 18.06% 3.89% 9.46% 90.88% 8 5005458 2.47% 21.59% 2.99% 10.89% 98.31% 9 5154290 2.53% 25.20% 2.97% 12.33% 104.45% 10 5307889 2.57% 28.93% 2.98% 13.79% 109.86% 11 5467197 2.61% 32.80% 3.00% 15.27% 114.87% 12 5629765 2.64% 36.75% 2.97% 16.77% 119.22% 13 5797506 2.67% 40.83% 2.98% 18.28% 123.31% 14 5970575 2.69% 45.03% 2.99% 19.82% 127.19% 15 6148078 2.71% 49.34% 2.97% 21.38% 130.81% 兩年內解約為負報酬 滿三年保本,IRR=0.34% 四年IRR=1.26%,約同定存水準 四年後的解約金年增加率3~4% 說明市場利率升破儲蓄險利率的荒謬 六年IRR=2.15%, 相對利差超越定存69% 6->7年,IRR從2.15%跳升到2.4% 相對利差從69%跳升到91% 解約金年增加率為3.89% 建議放七年以上,儲蓄效果更佳 八年IRR=2.47%, 相對利差=98.31% 也就是儲蓄險的利息約定存的2倍 15年IRR=2.7%, 相對利差131% 也就是利息為定存的2.3倍   以下只要改折扣趴數, 其他數字就會跟著變化 0.5%折扣: FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s Line: @wvr5039s 保額: 　 折扣: 0.5% 　 定存 儲蓄險 保費: 4141600 實繳保費: 4120892 解約金 1.30% 勝出 年 解約金 IRR 總報酬率 年增加率 總報酬率 相對利差 1 3596845 -12.72% -12.72% 　 1.30% 　 2 3873497 -3.05% -6.00% 　 2.62% 　 3 4158917 0.31% 0.92% 　 3.95% 　 4 4327551 1.23% 5.01% 　 5.30% 　 5 4500274 1.78% 9.21% 3.99% 6.67% 38.00% 6 4678152 2.14% 13.52% 3.95% 8.06% 67.82% 7 4860343 2.39% 17.94% 3.89% 9.46% 89.63% 8 5005458 2.46% 21.47% 2.99% 10.89% 97.19% 9 5154290 2.52% 25.08% 2.97% 12.33% 103.43% 10 5307889 2.56% 28.80% 2.98% 13.79% 108.92% 11 5467197 2.60% 32.67% 3.00% 15.27% 114.00% 12 5629765 2.63% 36.62% 2.97% 16.77% 118.40% 13 5797506 2.66% 40.69% 2.98% 18.28% 122.53% 14 5970575 2.68% 44.89% 2.99% 19.82% 126.46% 15 6148078 2.70% 49.19% 2.97% 21.38% 130.10% 0.3%折扣: FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s Line: @wvr5039s 保額: 　 折扣: 0.3% 　 定存 儲蓄險 保費: 4141600 實繳保費: 4129175 解約金 1.30% 勝出 年 解約金 IRR 總報酬率 年增加率 總報酬率 相對利差 1 3596845 -12.89% -12.89% 　 1.30% 　 2 3873497 -3.15% -6.19% 　 2.62% 　 3 4158917 0.24% 0.72% 　 3.95% 　 4 4327551 1.18% 4.80% 　 5.30% 　 5 4500274 1.74% 8.99% 3.99% 6.67% 34.72% 6 4678152 2.10% 13.30% 3.95% 8.06% 64.99% 7 4860343 2.36% 17.71% 3.89% 9.46% 87.13% 8 5005458 2.43% 21.22% 2.99% 10.89% 94.95% 9 5154290 2.49% 24.83% 2.97% 12.33% 101.39% 10 5307889 2.54% 28.55% 2.98% 13.79% 107.04% 11 5467197 2.58% 32.40% 3.00% 15.27% 112.25% 12 5629765 2.62% 36.34% 2.97% 16.77% 116.77% 13 5797506 2.64% 40.40% 2.98% 18.28% 120.99% 14 5970575 2.67% 44.59% 2.99% 19.82% 124.99% 15 6148078 2.69% 48.89% 2.97% 21.38% 128.70% 0.2%折扣: FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s Line: @wvr5039s 保額: 　 折扣: 0.2% 　 定存 儲蓄險 保費: 4141600 實繳保費: 4133317 解約金 1.30% 勝出 年 解約金 IRR 總報酬率 年增加率 總報酬率 相對利差 1 3596845 -12.98% -12.98% 　 1.30% 　 2 3873497 -3.19% -6.29% 　 2.62% 　 3 4158917 0.21% 0.62% 　 3.95% 　 4 4327551 1.15% 4.70% 　 5.30% 　 5 4500274 1.72% 8.88% 3.99% 6.67% 33.08% 6 4678152 2.09% 13.18% 3.95% 8.06% 63.58% 7 4860343 2.34% 17.59% 3.89% 9.46% 85.88% 8 5005458 2.42% 21.10% 2.99% 10.89% 93.83% 9 5154290 2.48% 24.70% 2.97% 12.33% 100.38% 10 5307889 2.53% 28.42% 2.98% 13.79% 106.11% 11 5467197 2.58% 32.27% 3.00% 15.27% 111.38% 12 5629765 2.61% 36.20% 2.97% 16.77% 115.95% 13 5797506 2.64% 40.26% 2.98% 18.28% 120.22% 14 5970575 2.66% 44.45% 2.99% 19.82% 124.26% 15 6148078 2.68% 48.74% 2.97% 21.38% 128.01%   點此加入儲蓄保險王粉絲團   點此加入Line:@wvr5039s 最後IRR統整: FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s 折扣: 0.2% 0.3% 0.5% 0.6% 年 IRR IRR IRR IRR 1 -12.98% -12.89% -12.72% -12.63% 2 -3.19% -3.15% -3.05% -3.00% 3 0.21% 0.24% 0.31% 0.34% 4 1.15% 1.18% 1.23% 1.26% 5 1.72% 1.74% 1.78% 1.80% 6 2.09% 2.10% 2.14% 2.15% 7 2.34% 2.36% 2.39% 2.40% 8 2.42% 2.43% 2.46% 2.47% 9 2.48% 2.49% 2.52% 2.53% 10 2.53% 2.54% 2.56% 2.57% 11 2.58% 2.58% 2.60% 2.61% 12 2.61% 2.62% 2.63% 2.64% 13 2.64% 2.64% 2.66% 2.67% 14 2.66% 2.67% 2.68% 2.69% 15 2.68% 2.69% 2.70% 2.71% 相關連結: 儲蓄保險王Line: @wvr5039s