Zi 字媒體
2017-07-25T20:27:27+00:00
以下建議書由保經業務提供,
若需要推薦,可以到粉絲團私訊
這是一張30年期養老險,
最長可以放到30年強迫解約,
建議書打的是最高折扣
保額9萬美金,
保費約8.4美金
~260萬台幣
高保額折扣:
3~6萬美金: 0.1%
(保費約2.8萬USD~87萬NTD)
6~9萬美金: 0.2%
(保費約5.6萬USD~174萬NTD)
9萬美金以上: 0.3%
(保費約8.4萬USD~260萬NTD)
目前宣告利率3.7%
本文以宣告利率維持3.7%不變計算IRR
主要參考最後一欄的解約金/實繳保費
IRR(內部報酬率)
時間單位不一定要用”年”
只是最常使用“年”
若以年為單位
就是可以跟定存比較利率的“年化複利”
計算方式可以看以下幾篇文章:
儲蓄險或躉繳利變年金險解約金(IRR)算法
IRR(內部報酬率):計算六年IRR,為何要將六年末解約金放在現金流的第”七”欄位
躉繳儲蓄險IRR算法
內部報酬率(IRR)概念:你是糊塗的工頭嗎?
解約金應該要計算年度末+1天
或次年度初
才比年度末合理,
原因可以看以下文章:
利變年金險的提前解約費用
利變年金險的提前解約費用(續) & 可悲的台灣教育
但這張美金鑽(ZH2)僅有提供年度末解約金
六年內IRR算出來的結果
會比其他商品吃虧
不同折扣IRR統整在前:
儲蓄保險王
賴:
@wvr5039s
FB:
儲蓄保險王
台幣保費門檻
260萬
174萬
87萬
折扣:
0.3%
0.2%
0.1%
0%
年
IRR
IRR
IRR
IRR
1
-10.06%
-10.15%
-10.24%
-10.33%
2
-2.28%
-2.32%
-2.37%
-2.42%
3
1.3941%
1.3602%
1.3264%
1.2926%
4
2.2272%
2.2016%
2.1760%
2.1505%
5
2.7219%
2.7013%
2.6808%
2.6602%
6
2.8927%
2.8755%
2.8584%
2.8412%
7
3.1375%
3.1227%
3.1080%
3.0932%
8
3.2113%
3.1984%
3.1855%
3.1726%
9
3.2694%
3.2579%
3.2464%
3.2349%
10
3.3152%
3.3048%
3.2945%
3.2842%
11
3.3536%
3.3442%
3.3348%
3.3254%
12
3.3842%
3.3756%
3.3670%
3.3584%
13
3.4113%
3.4033%
3.3953%
3.3874%
14
3.4341%
3.4266%
3.4192%
3.4119%
15
3.4540%
3.4471%
3.4402%
3.4333%
16
3.4713%
3.4648%
3.4584%
3.4519%
17
3.4862%
3.4801%
3.4740%
3.4679%
18
3.5001%
3.4943%
3.4886%
3.4828%
19
3.5122%
3.5068%
3.5013%
3.4958%
20
3.5229%
3.5177%
3.5125%
3.5074%
0.3%折扣(保費約8.4萬USD~260萬NTD)
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
100.3
折扣
美金鑽
2%
賴:
@wvr5039s
3.7%
實繳保費
100.0
0.3%
解約金
定存
美金儲蓄險勝出
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
89.94
-10.06%
-10.06%
2.00%
2
95.5
-2.28%
-4.50%
4.04%
3
104.24
1.39%
4.24%
6.12%
4
109.21
2.23%
9.21%
4.77%
8.24%
0.24%
11.74%
5
114.37
2.72%
14.37%
4.72%
10.41%
0.79%
38.08%
6
118.66
2.89%
18.66%
3.75%
12.62%
1.01%
47.91%
7
124.14
3.14%
24.14%
4.62%
14.87%
1.32%
62.36%
8
128.77
3.21%
28.77%
3.73%
17.17%
1.45%
67.61%
9
133.58
3.27%
33.58%
3.74%
19.51%
1.56%
72.13%
10
138.56
3.32%
38.56%
3.73%
21.90%
1.67%
76.08%
11
143.74
3.35%
43.74%
3.74%
24.34%
1.76%
79.73%
12
149.09
3.38%
49.09%
3.72%
26.82%
1.86%
83.01%
13
154.66
3.41%
54.66%
3.74%
29.36%
1.95%
86.17%
14
160.43
3.43%
60.43%
3.73%
31.95%
2.03%
89.16%
15
166.42
3.45%
66.42%
3.73%
34.59%
2.12%
92.04%
16
172.63
3.47%
72.63%
3.73%
37.28%
2.21%
94.83%
17
179.06
3.49%
79.06%
3.72%
40.02%
2.30%
97.53%
18
185.75
3.50%
85.75%
3.74%
42.82%
2.38%
100.24%
19
192.68
3.51%
92.68%
3.73%
45.68%
2.47%
102.89%
20
199.86
3.52%
99.86%
3.73%
48.59%
2.56%
105.50%
0.2%折扣(保費約5.6萬USD~174萬NTD)
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
100.3
折扣
美金鑽
2%
賴:
@wvr5039s
3.7%
實繳保費
100.1
0.2%
解約金
定存
美金儲蓄險勝出
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
89.94
-10.15%
-10.15%
2.00%
2
95.5
-2.32%
-4.59%
4.04%
3
104.24
1.36%
4.14%
6.12%
4
109.21
2.20%
9.10%
4.77%
8.24%
0.21%
10.41%
5
114.37
2.70%
14.26%
4.72%
10.41%
0.77%
36.97%
6
118.66
2.88%
18.54%
3.75%
12.62%
0.99%
46.97%
7
124.14
3.12%
24.02%
4.62%
14.87%
1.31%
61.53%
8
128.77
3.20%
28.64%
3.73%
17.17%
1.43%
66.85%
9
133.58
3.26%
33.45%
3.74%
19.51%
1.55%
71.44%
10
138.56
3.30%
38.42%
3.73%
21.90%
1.65%
75.45%
11
143.74
3.34%
43.60%
3.74%
24.34%
1.75%
79.14%
12
149.09
3.38%
48.94%
3.72%
26.82%
1.84%
82.45%
13
154.66
3.40%
54.51%
3.74%
29.36%
1.93%
85.64%
14
160.43
3.43%
60.27%
3.73%
31.95%
2.02%
88.65%
15
166.42
3.45%
66.25%
3.73%
34.59%
2.11%
91.56%
16
172.63
3.46%
72.46%
3.73%
37.28%
2.20%
94.37%
17
179.06
3.48%
78.88%
3.72%
40.02%
2.29%
97.09%
18
185.75
3.49%
85.57%
3.74%
42.82%
2.37%
99.80%
19
192.68
3.51%
92.49%
3.73%
45.68%
2.46%
102.47%
20
199.86
3.52%
99.66%
3.73%
48.59%
2.55%
105.09%
0.1% 折扣(保費約2.8萬USD~87萬NTD)
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
100.3
折扣
美金鑽
2%
賴:
@wvr5039s
3.7%
實繳保費
100.2
0.1%
解約金
定存
美金儲蓄險勝出
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
89.94
-10.24%
-10.24%
2.00%
2
95.5
-2.37%
-4.69%
4.04%
3
104.24
1.33%
4.03%
6.12%
4
109.21
2.18%
8.99%
4.77%
8.24%
0.19%
9.09%
5
114.37
2.68%
14.14%
4.72%
10.41%
0.75%
35.88%
6
118.66
2.86%
18.42%
3.75%
12.62%
0.97%
46.03%
7
124.14
3.11%
23.89%
4.62%
14.87%
1.29%
60.69%
8
128.77
3.19%
28.51%
3.73%
17.17%
1.42%
66.10%
9
133.58
3.25%
33.31%
3.74%
19.51%
1.53%
70.76%
10
138.56
3.29%
38.28%
3.73%
21.90%
1.64%
74.82%
11
143.74
3.33%
43.45%
3.74%
24.34%
1.74%
78.55%
12
149.09
3.37%
48.79%
3.72%
26.82%
1.83%
81.90%
13
154.66
3.40%
54.35%
3.74%
29.36%
1.92%
85.12%
14
160.43
3.42%
60.11%
3.73%
31.95%
2.01%
88.15%
15
166.42
3.44%
66.09%
3.73%
34.59%
2.10%
91.08%
16
172.63
3.46%
72.29%
3.73%
37.28%
2.19%
93.91%
17
179.06
3.47%
78.70%
3.72%
40.02%
2.28%
96.64%
18
185.75
3.49%
85.38%
3.74%
42.82%
2.36%
99.37%
19
192.68
3.50%
92.30%
3.73%
45.68%
2.45%
102.04%
20
199.86
3.51%
99.46%
3.73%
48.59%
2.54%
104.68%
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
100.3
折扣
美金鑽
2%
賴:
@wvr5039s
3.7%
實繳保費
100.3
0.0%
解約金
定存
美金儲蓄險勝出
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
89.94
-10.33%
-10.33%
2.00%
2
95.5
-2.42%
-4.79%
4.04%
3
104.24
1.29%
3.93%
6.12%
4
109.21
2.15%
8.88%
4.77%
8.24%
0.16%
7.77%
5
114.37
2.66%
14.03%
4.72%
10.41%
0.72%
34.78%
6
118.66
2.84%
18.31%
3.75%
12.62%
0.95%
45.09%
7
124.14
3.09%
23.77%
4.62%
14.87%
1.27%
59.86%
8
128.77
3.17%
28.38%
3.73%
17.17%
1.40%
65.36%
9
133.58
3.23%
33.18%
3.74%
19.51%
1.52%
70.08%
10
138.56
3.28%
38.15%
3.73%
21.90%
1.62%
74.19%
11
143.74
3.33%
43.31%
3.74%
24.34%
1.72%
77.96%
12
149.09
3.36%
48.64%
3.72%
26.82%
1.82%
81.34%
13
154.66
3.39%
54.20%
3.74%
29.36%
1.91%
84.59%
14
160.43
3.41%
59.95%
3.73%
31.95%
2.00%
87.65%
15
166.42
3.43%
65.92%
3.73%
34.59%
2.09%
90.60%
16
172.63
3.45%
72.11%
3.73%
37.28%
2.18%
93.45%
17
179.06
3.47%
78.52%
3.72%
40.02%
2.26%
96.19%
18
185.75
3.48%
85.19%
3.74%
42.82%
2.35%
98.94%
19
192.68
3.50%
92.10%
3.73%
45.68%
2.44%
101.62%
20
199.86
3.51%
99.26%
3.73%
48.59%
2.53%
104.27%
先前也有介紹過遠雄美金鑽:
遠雄人壽美金鑽美元利率變動型養老保險(ZH1S30,7年IRR>3%練習題)
遠雄人壽美金鑽美元利率變動型養老保險(ZH1S30,密碼解密)
可以看到撰文越來越詳細
從一開始只有IRR
到現在,除了不同折扣的IRR以外
還有總報酬率,解約金增加率
跟定存的絕對利差與相對利差
大家想看的資料不一樣
儘量把集結大家想看的資料
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