Zi 字媒體
2017-07-25T20:27:27+00:00
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看完建議書再看折扣
110萬: 0.3%
220萬: 0.5%
440萬: 0.7%
建議書享有最高的0.7%折扣
FB: 儲蓄保險王.正義真話侠
Line: @wvr5039s
FB: 儲蓄保險王.正義真話侠
宣告
表定保費
4431017
折扣
解約金 增加率
Line: @wvr5039s
相對利差 旺財勝出
2.97%
實繳保費
4400000
0.7%
定存利率
1.30%
年
解約金
IRR
總報酬率
本利和
總報酬率
1
4150457
-5.67%
-5.67%
4457200
1.30%
2
4332378
-0.77%
-1.54%
4515143
2.62%
3
4509472
0.8225%
2.49%
4573840
3.95%
4
4690878
1.6133%
6.61%
4.02%
4633300
5.30%
24.68%
5
4864647
2.0281%
10.56%
3.70%
4693533
6.67%
58.29%
6
5057157
2.3471%
14.94%
3.96%
4754549
8.06%
85.35%
7
5207845
2.4373%
18.36%
2.98%
4816358
9.46%
94.03%
8
5362221
2.5030%
21.87%
2.96%
4878971
10.89%
100.89%
9
5522720
2.5573%
25.52%
2.99%
4942398
12.33%
106.99%
10
5688351
2.6014%
29.28%
3.00%
5006649
13.79%
112.37%
11
5858047
2.6361%
33.14%
2.98%
5071735
15.27%
117.06%
12
6033135
2.6654%
37.12%
2.99%
5137668
16.77%
121.39%
13
6213774
2.6907%
41.22%
2.99%
5204457
18.28%
125.47%
14
6398842
2.7112%
45.43%
2.98%
5272115
19.82%
129.19%
15
6591046
2.7307%
49.80%
3.00%
5340653
21.38%
132.93%
16
6787968
2.7467%
54.27%
2.99%
5410081
22.96%
136.41%
17
6991064
2.7611%
58.89%
2.99%
5480412
24.55%
139.82%
18
7200510
2.7742%
63.65%
3.00%
5551658
26.17%
143.17%
19
7415093
2.7850%
68.52%
2.98%
5623829
27.81%
146.37%
20
7637768
2.7959%
73.59%
3.00%
5696939
29.48%
149.65%
滿三年保本,IRR 0.8%
四年IRR 1.6%勝定存
之後解約金年增加率3%~4%
意指銀行定存再也不可能追上儲蓄險
六年IRR 2.35%,
相對利差勝出定存85%
8年IRR 2.5%,相對利差101%
也就是利息是定存的2倍
20年IRR 2.8%,相對利差150%
利息是定存的2.5倍
以下修改折扣為0.5%(保費220萬):
FB: 儲蓄保險王.正義真話侠
Line: @wvr5039s
FB: 儲蓄保險王.正義真話侠
宣告
表定保費
4431017
折扣
解約金 增加率
Line: @wvr5039s
相對利差 旺財勝出
2.97%
實繳保費
4408862
0.5%
定存利率
1.30%
年
解約金
IRR
總報酬率
本利和
總報酬率
1
4150457
-5.86%
-5.86%
4466177
1.30%
2
4332378
-0.87%
-1.73%
4524237
2.62%
3
4509472
0.7550%
2.28%
4583053
3.95%
4
4690878
1.5622%
6.40%
4.02%
4642632
5.30%
20.64%
5
4864647
1.9870%
10.34%
3.70%
4702986
6.67%
54.96%
6
5057157
2.3128%
14.70%
3.96%
4764125
8.06%
82.48%
7
5207845
2.4078%
18.12%
2.98%
4826059
9.46%
91.51%
8
5362221
2.4772%
21.62%
2.96%
4888798
10.89%
98.64%
9
5522720
2.5344%
25.26%
2.99%
4952352
12.33%
104.95%
10
5688351
2.5808%
29.02%
3.00%
5016733
13.79%
110.49%
11
5858047
2.6173%
32.87%
2.98%
5081950
15.27%
115.30%
12
6033135
2.6482%
36.84%
2.99%
5148015
16.77%
119.75%
13
6213774
2.6748%
40.94%
2.99%
5214940
18.28%
123.91%
14
6398842
2.6964%
45.14%
2.98%
5282734
19.82%
127.72%
15
6591046
2.7169%
49.50%
3.00%
5351409
21.38%
131.52%
16
6787968
2.7338%
53.96%
2.99%
5420978
22.96%
135.06%
17
6991064
2.7490%
58.57%
2.99%
5491450
24.55%
138.52%
18
7200510
2.7627%
63.32%
3.00%
5562839
26.17%
141.92%
19
7415093
2.7741%
68.19%
2.98%
5635156
27.81%
145.15%
20
7637768
2.7855%
73.24%
3.00%
5708413
29.48%
148.46%
以下修改折扣為0.3%(保費110萬):
FB: 儲蓄保險王.正義真話侠
Line: @wvr5039s
FB: 儲蓄保險王.正義真話侠
宣告
表定保費
4431017
折扣
解約金 增加率
Line: @wvr5039s
相對利差 旺財勝出
2.97%
實繳保費
4417724
0.3%
定存利率
1.30%
年
解約金
IRR
總報酬率
本利和
總報酬率
1
4150457
-6.05%
-6.05%
4475154
1.30%
2
4332378
-0.97%
-1.93%
4533331
2.62%
3
4509472
0.6875%
2.08%
4592265
3.95%
4
4690878
1.5112%
6.18%
4.02%
4651964
5.30%
16.61%
5
4864647
1.9461%
10.12%
3.70%
4712440
6.67%
51.65%
6
5057157
2.2786%
14.47%
3.96%
4773701
8.06%
79.63%
7
5207845
2.3784%
17.89%
2.98%
4835759
9.46%
89.01%
8
5362221
2.4515%
21.38%
2.96%
4898624
10.89%
96.40%
9
5522720
2.5115%
25.01%
2.99%
4962306
12.33%
102.91%
10
5688351
2.5602%
28.76%
3.00%
5026816
13.79%
108.61%
11
5858047
2.5986%
32.60%
2.98%
5092165
15.27%
113.56%
12
6033135
2.6310%
36.57%
2.99%
5158363
16.77%
118.11%
13
6213774
2.6589%
40.66%
2.99%
5225422
18.28%
122.37%
14
6398842
2.6817%
44.84%
2.98%
5293352
19.82%
126.25%
15
6591046
2.7031%
49.20%
3.00%
5362166
21.38%
130.12%
16
6787968
2.7209%
53.65%
2.99%
5431874
22.96%
133.72%
17
6991064
2.7368%
58.25%
2.99%
5502489
24.55%
137.23%
18
7200510
2.7512%
62.99%
3.00%
5574021
26.17%
140.66%
19
7415093
2.7632%
67.85%
2.98%
5646483
27.81%
143.93%
20
7637768
2.7752%
72.89%
3.00%
5719887
29.48%
147.28%
以下修改折扣為0%:
FB: 儲蓄保險王.正義真話侠
Line: @wvr5039s
FB: 儲蓄保險王.正義真話侠
宣告
表定保費
4431017
折扣
解約金 增加率
Line: @wvr5039s
相對利差 旺財勝出
2.97%
實繳保費
4431017
0.0%
定存利率
1.30%
年
解約金
IRR
總報酬率
本利和
總報酬率
1
4150457
-6.33%
-6.33%
4488620
1.30%
2
4332378
-1.12%
-2.23%
4546972
2.62%
3
4509472
0.5867%
1.77%
4606083
3.95%
4
4690878
1.4350%
5.86%
4.02%
4665962
5.30%
10.61%
5
4864647
1.8848%
9.79%
3.70%
4726620
6.67%
46.69%
6
5057157
2.2274%
14.13%
3.96%
4788066
8.06%
75.37%
7
5207845
2.3345%
17.53%
2.98%
4850310
9.46%
85.27%
8
5362221
2.4130%
21.02%
2.96%
4913364
10.89%
93.06%
9
5522720
2.4773%
24.64%
2.99%
4977238
12.33%
99.86%
10
5688351
2.5294%
28.38%
3.00%
5041942
13.79%
105.81%
11
5858047
2.5705%
32.21%
2.98%
5107488
15.27%
110.95%
12
6033135
2.6053%
36.16%
2.99%
5173885
16.77%
115.67%
13
6213774
2.6352%
40.23%
2.99%
5241145
18.28%
120.06%
14
6398842
2.6597%
44.41%
2.98%
5309280
19.82%
124.06%
15
6591046
2.6826%
48.75%
3.00%
5378301
21.38%
128.02%
16
6787968
2.7016%
53.19%
2.99%
5448219
22.96%
131.71%
17
6991064
2.7187%
57.78%
2.99%
5519046
24.55%
135.29%
18
7200510
2.7341%
62.50%
3.00%
5590793
26.17%
138.80%
19
7415093
2.7470%
67.35%
2.98%
5663474
27.81%
142.12%
20
7637768
2.7598%
72.37%
3.00%
5737099
29.48%
145.52%
點讚加入儲蓄保險王粉絲團
點此加入Line: @wvr5039s
不同折扣IRR統整:
FB: 儲蓄保險王.正義真話侠 Line: @wvr5039s
門檻
440萬
220萬
110萬
折扣:
0.7%
0.5%
0.3%
0.0%
年
IRR
IRR
IRR
IRR
1
-5.67%
-5.86%
-6.05%
-6.33%
2
-0.77%
-0.87%
-0.97%
-1.12%
3
0.82%
0.75%
0.69%
0.59%
4
1.61%
1.56%
1.51%
1.43%
5
2.03%
1.99%
1.95%
1.88%
6
2.35%
2.31%
2.28%
2.23%
7
2.44%
2.41%
2.38%
2.33%
8
2.50%
2.48%
2.45%
2.41%
9
2.56%
2.53%
2.51%
2.48%
10
2.60%
2.58%
2.56%
2.53%
11
2.64%
2.62%
2.60%
2.57%
12
2.67%
2.65%
2.63%
2.61%
13
2.69%
2.67%
2.66%
2.64%
14
2.71%
2.70%
2.68%
2.66%
15
2.73%
2.72%
2.70%
2.68%
16
2.75%
2.73%
2.72%
2.70%
17
2.76%
2.75%
2.74%
2.72%
18
2.77%
2.76%
2.75%
2.73%
19
2.78%
2.77%
2.76%
2.75%
20
2.80%
2.79%
2.78%
2.76%
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