Zi 字媒體
2017-07-25T20:27:27+00:00
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,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
今年1月是各大壽險公司
宣告利率大亂鬥的一個月
美鑫外幣利率變動型終身壽險
就是中國人壽於1月推出的新保單
直接打出4%宣告利率
而舊產品美晶利率變動型終身壽險
一月維持宣告利率3.87%不變
新光則直接提高舊商品美旺福的宣告利率
連舊保戶都一起照顧到,更顯誠意
但我們都知道,
宣告利率 =/= 實質利率IRR
美鑫的4%宣告利率
會不會中看不中用?
讓我們繼續看下去
以星展星禧數位銀行美金2%活存為比較對象
3/31以前完成四大任務
即可獲得1000元,
優惠不錯,敬請把握機會
點此申請星禧數位帳戶(美金2%高利活存)
點此線上辦卡
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
150905
折扣
解約金
增加率
2.00%
相對利差
美鑫勝出
4%
實繳保費
150000
0.6%
定存
年
解約金
IRR
總報酬率
總報酬率
1
120862
-19.43%
-19.43%
2.00%
2
151948
0.6474%
1.30%
4.04%
3
159990
2.1726%
6.66%
5.29%
6.12%
4
167448
2.7892%
11.63%
4.66%
8.24%
41.11%
5
174233
3.0405%
16.16%
4.05%
10.41%
55.22%
6
182915
3.3618%
21.94%
4.98%
12.62%
73.93%
7
190309
3.4587%
26.87%
4.04%
14.87%
80.74%
8
198000
3.5314%
32.00%
4.04%
17.17%
86.42%
9
205998
3.5877%
37.33%
4.04%
19.51%
91.36%
10
214333
3.6334%
42.89%
4.05%
21.90%
95.85%
11
222979
3.6698%
48.65%
4.03%
24.34%
99.91%
12
231987
3.7006%
54.66%
4.04%
26.82%
103.77%
13
241349
3.7263%
60.90%
4.04%
29.36%
107.42%
14
251101
3.7487%
67.40%
4.04%
31.95%
110.97%
15
261255
3.7684%
74.17%
4.04%
34.59%
114.45%
16
271807
3.7853%
81.21%
4.04%
37.28%
117.83%
17
282771
3.7999%
88.51%
4.03%
40.02%
121.15%
18
294205
3.8134%
96.14%
4.04%
42.82%
124.49%
19
306084
3.8252%
104.06%
4.04%
45.68%
127.79%
20
318444
3.8358%
112.30%
4.04%
48.59%
131.09%
承襲舊產品美晶利率變動型終身壽險的特色
美鑫也是短短兩年就保本,IRR=0.65%
三年IRR 2.17%跟美金定存相當
五年IRR 3.04%,相對利差勝出定存55%
只多一年而已,六年IRR就跳升到3.36%,
解約金增加率4.98%
相對利差勝出定存74%
七年以後,解約金增加率4%
十年總報酬率43%,相對利差96%
也就是利息快定存的2倍
19年總報酬率104%,資產翻倍
看來宣告利率4%不是紙老虎
不同高保額折扣IRR統整在前:
FB: 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
-19.43%
-19.51%
-19.67%
-19.91%
2
0.6474%
0.5968%
0.4958%
0.3450%
3
2.1726%
2.1383%
2.0700%
1.9678%
4
2.7892%
2.7634%
2.7118%
2.6347%
5
3.0405%
3.0198%
2.9784%
2.9166%
6
3.3618%
3.3444%
3.3099%
3.2581%
7
3.4587%
3.4438%
3.4142%
3.3698%
8
3.5314%
3.5183%
3.4924%
3.4535%
9
3.5877%
3.5761%
3.5530%
3.5184%
10
3.6334%
3.6230%
3.6022%
3.5711%
11
3.6698%
3.6603%
3.6414%
3.6131%
12
3.7006%
3.6919%
3.6745%
3.6486%
13
3.7263%
3.7183%
3.7023%
3.6783%
14
3.7487%
3.7413%
3.7264%
3.7041%
15
3.7684%
3.7614%
3.7475%
3.7267%
16
3.7853%
3.7787%
3.7657%
3.7462%
17
3.7999%
3.7937%
3.7815%
3.7631%
18
3.8134%
3.8076%
3.7960%
3.7787%
19
3.8252%
3.8197%
3.8087%
3.7923%
20
3.8358%
3.8306%
3.8202%
3.8046%
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
150905
折扣
解約金
增加率
2.00%
相對利差
美鑫勝出
4%
實繳保費
150150
0.5%
定存
年
解約金
IRR
總報酬率
總報酬率
1
120862
-19.51%
-19.51%
2.00%
2
151948
0.5968%
1.20%
4.04%
3
159990
2.1383%
6.55%
5.29%
6.12%
4
167448
2.7634%
11.52%
4.66%
8.24%
39.75%
5
174233
3.0198%
16.04%
4.05%
10.41%
54.10%
6
182915
3.3444%
21.82%
4.98%
12.62%
72.96%
7
190309
3.4438%
26.75%
4.04%
14.87%
79.88%
8
198000
3.5183%
31.87%
4.04%
17.17%
85.65%
9
205998
3.5761%
37.19%
4.04%
19.51%
90.65%
10
214333
3.6230%
42.75%
4.05%
21.90%
95.19%
11
222979
3.6603%
48.50%
4.03%
24.34%
99.30%
12
231987
3.6919%
54.50%
4.04%
26.82%
103.19%
13
241349
3.7183%
60.74%
4.04%
29.36%
106.87%
14
251101
3.7413%
67.23%
4.04%
31.95%
110.45%
15
261255
3.7614%
74.00%
4.04%
34.59%
113.94%
16
271807
3.7787%
81.02%
4.04%
37.28%
117.34%
17
282771
3.7937%
88.33%
4.03%
40.02%
120.68%
18
294205
3.8076%
95.94%
4.04%
42.82%
124.03%
19
306084
3.8197%
103.85%
4.04%
45.68%
127.34%
20
318444
3.8306%
112.08%
4.04%
48.59%
130.65%
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
150905
折扣
解約金
增加率
2.00%
相對利差
美鑫勝出
4%
實繳保費
150452
0.3%
定存
年
解約金
IRR
總報酬率
總報酬率
1
120862
-19.67%
-19.67%
2.00%
2
151948
0.4958%
0.99%
4.04%
3
159990
2.0700%
6.34%
5.29%
6.12%
4
167448
2.7118%
11.30%
4.66%
8.24%
37.04%
5
174233
2.9784%
15.81%
4.05%
10.41%
51.86%
6
182915
3.3099%
21.58%
4.98%
12.62%
71.02%
7
190309
3.4142%
26.49%
4.04%
14.87%
78.17%
8
198000
3.4924%
31.60%
4.04%
17.17%
84.10%
9
205998
3.5530%
36.92%
4.04%
19.51%
89.24%
10
214333
3.6022%
42.46%
4.05%
21.90%
93.88%
11
222979
3.6414%
48.21%
4.03%
24.34%
98.07%
12
231987
3.6745%
54.19%
4.04%
26.82%
102.03%
13
241349
3.7023%
60.42%
4.04%
29.36%
105.77%
14
251101
3.7264%
66.90%
4.04%
31.95%
109.40%
15
261255
3.7475%
73.65%
4.04%
34.59%
112.93%
16
271807
3.7657%
80.66%
4.04%
37.28%
116.37%
17
282771
3.7815%
87.95%
4.03%
40.02%
119.74%
18
294205
3.7960%
95.55%
4.04%
42.82%
123.11%
19
306084
3.8087%
103.44%
4.04%
45.68%
126.44%
20
318444
3.8202%
111.66%
4.04%
48.59%
129.77%
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
150905
折扣
解約金
增加率
2.00%
相對利差
美鑫勝出
4%
實繳保費
150905
0.0%
定存
年
解約金
IRR
總報酬率
總報酬率
1
120862
-19.91%
-19.91%
2.00%
2
151948
0.3450%
0.69%
4.04%
3
159990
1.9678%
6.02%
5.29%
6.12%
4
167448
2.6347%
10.96%
4.66%
8.24%
32.99%
5
174233
2.9166%
15.46%
4.05%
10.41%
48.53%
6
182915
3.2581%
21.21%
4.98%
12.62%
68.13%
7
190309
3.3698%
26.11%
4.04%
14.87%
75.62%
8
198000
3.4535%
31.21%
4.04%
17.17%
81.80%
9
205998
3.5184%
36.51%
4.04%
19.51%
87.13%
10
214333
3.5711%
42.03%
4.05%
21.90%
91.93%
11
222979
3.6131%
47.76%
4.03%
24.34%
96.25%
12
231987
3.6486%
53.73%
4.04%
26.82%
100.31%
13
241349
3.6783%
59.93%
4.04%
29.36%
104.13%
14
251101
3.7041%
66.40%
4.04%
31.95%
107.83%
15
261255
3.7267%
73.13%
4.04%
34.59%
111.43%
16
271807
3.7462%
80.12%
4.04%
37.28%
114.92%
17
282771
3.7631%
87.38%
4.03%
40.02%
118.33%
18
294205
3.7787%
94.96%
4.04%
42.82%
121.74%
19
306084
3.7923%
102.83%
4.04%
45.68%
125.11%
20
318444
3.8046%
111.02%
4.04%
48.59%
128.47%
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