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
點擊上圖可以連結高清版
看完建議書再看高保費折扣
3.5萬~15萬(美金): 0.3%(台幣105萬以上)
15萬美金以上: 0.5% (台幣450萬以上)
以上建議書有最高的0.5%折扣
新光美富旺停售前,
稱霸美金儲蓄險好一段時間
中國人壽窺伺許久
美富旺一停售
就推出超強美金儲蓄險
中國人壽美晶外幣利率變動型終身壽險
其實看得到美富旺的影子
例如:儲蓄保險王滿賭爛的高保額折扣
要先看保額,再看被保險人年齡跟性別
才能知道保費門檻在那裡
中壽美晶雖然沿用高保額折扣的名稱
但0~85歲單一費率,
實際上等同採用高保費折扣
頗有向新光”致敬”的意味
點讚加入儲蓄保險王粉絲團
點此加入Line: @wvr5039s
美晶既出,誰與爭鋒?
讓美富旺的接班人,
美旺福相形失色
看來痛失寶座的新光頗不是滋味
就在本月(5月)
一舉將宣告利率
從3.88%怒提高到3.92%
力(利)壓美晶,王者歸來!
廢話不說,來看這張美旺福的實力:
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
150720
折扣
解約金 增加率
Line:
@wvr5039s
相對利差 美旺福 勝出
3.92%
實繳保費
149966
0.5%
定存利率
1.32%
年
解約金
IRR
總報酬率
本利和
總報酬率
1
142503.33
-4.98%
-4.98%
151945.96
1.32%
2
149789.34
-0.06%
-0.12%
153951.64
2.66%
3
158880.13
1.94%
5.94%
155983.80
4.01%
48.13%
4
166777.39
2.69%
11.21%
4.97%
158042.79
5.39%
108.15%
5
173412.45
2.95%
15.63%
3.98%
160128.96
6.78%
130.71%
6
181910.11
3.27%
21.30%
4.90%
162242.66
8.19%
160.21%
7
189110.03
3.37%
26.10%
3.96%
164384.26
9.61%
171.49%
8
196594.95
3.44%
31.09%
3.96%
166554.13
11.06%
181.10%
9
204376.02
3.50%
36.28%
3.96%
168752.65
12.53%
189.62%
10
212465.29
3.55%
41.68%
3.96%
170980.18
14.01%
197.42%
11
220874.6
3.58%
47.28%
3.96%
173237.12
15.52%
204.71%
12
229616.66
3.61%
53.11%
3.96%
175523.85
17.04%
211.65%
13
238704.69
3.64%
59.17%
3.96%
177840.77
18.59%
218.35%
14
248152.61
3.66%
65.47%
3.96%
180188.26
20.15%
224.88%
15
257974.42
3.68%
72.02%
3.96%
182566.75
21.74%
231.31%
兩年內解約為負報酬
滿三年IRR=1.94%勝定存
之後解約金年增加率3.96%~4.97%
表示定存根本沒有任何機會追上儲蓄險
六年IRR=3.27%
跟定存相對利差160%
意即利息是定存的2.6倍
11年IRR=3.58%,
相對利差205%
利息是定存的3倍有餘
19年總報酬率101%
本金翻倍
以下僅修改折扣趴數
0.3%:
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
150720
折扣
解約金 增加率
Line:
@wvr5039s
相對利差 美旺福 勝出
3.92%
實繳保費
150268
0.3%
定存利率
1.32%
年
解約金
IRR
總報酬率
本利和
總報酬率
1
142503.33
-5.17%
-5.17%
152251.38
1.32%
2
149789.34
-0.16%
-0.32%
154261.09
2.66%
3
158880.13
1.88%
5.73%
156297.34
4.01%
42.84%
4
166777.39
2.64%
10.99%
4.97%
158360.46
5.39%
104.01%
5
173412.45
2.91%
15.40%
3.98%
160450.82
6.78%
127.29%
6
181910.11
3.24%
21.06%
4.90%
162568.77
8.19%
157.23%
7
189110.03
3.34%
25.85%
3.96%
164714.68
9.61%
168.86%
8
196594.95
3.42%
30.83%
3.96%
166888.92
11.06%
178.73%
9
204376.02
3.48%
36.01%
3.96%
169091.85
12.53%
187.44%
10
212465.29
3.52%
41.39%
3.96%
171323.86
14.01%
195.39%
11
220874.6
3.56%
46.99%
3.96%
173585.34
15.52%
202.81%
12
229616.66
3.60%
52.80%
3.96%
175876.66
17.04%
209.85%
13
238704.69
3.62%
58.85%
3.96%
178198.24
18.59%
216.63%
14
248152.61
3.65%
65.14%
3.96%
180550.45
20.15%
223.24%
15
257974.42
3.67%
71.68%
3.96%
182933.72
21.74%
229.72%
無折扣:
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
150720
折扣
解約金 增加率
Line:
@wvr5039s
相對利差 美旺福 勝出
3.92%
實繳保費
150720
0.0%
定存利率
1.32%
年
解約金
IRR
總報酬率
本利和
總報酬率
1
142503.33
-5.45%
-5.45%
152709.50
1.32%
2
149789.34
-0.31%
-0.62%
154725.27
2.66%
3
158880.13
1.77%
5.41%
156767.64
4.01%
34.93%
4
166777.39
2.56%
10.65%
4.97%
158836.98
5.39%
97.82%
5
173412.45
2.84%
15.06%
3.98%
160933.62
6.78%
122.18%
6
181910.11
3.18%
20.69%
4.90%
163057.95
8.19%
152.80%
7
189110.03
3.29%
25.47%
3.96%
165210.31
9.61%
164.94%
8
196594.95
3.38%
30.44%
3.96%
167391.09
11.06%
175.18%
9
204376.02
3.44%
35.60%
3.96%
169600.65
12.53%
184.19%
10
212465.29
3.49%
40.97%
3.96%
171839.38
14.01%
192.36%
11
220874.6
3.54%
46.55%
3.96%
174107.66
15.52%
199.96%
12
229616.66
3.57%
52.35%
3.96%
176405.88
17.04%
207.16%
13
238704.69
3.60%
58.38%
3.96%
178734.44
18.59%
214.07%
14
248152.61
3.63%
64.64%
3.96%
181093.73
20.15%
220.78%
15
257974.42
3.65%
71.16%
3.96%
183484.17
21.74%
227.35%
不同折扣IRR統整:
FB:儲蓄保險王.正義真話侠 Line: @wvr5039s
折扣:
0%
0.30%
0.50%
年
IRR
IRR
IRR
1
-5.45%
-5.17%
-4.98%
2
-0.31%
-0.16%
-0.06%
3
1.77%
1.88%
1.94%
4
2.56%
2.64%
2.69%
5
2.84%
2.91%
2.95%
6
3.18%
3.24%
3.27%
7
3.29%
3.34%
3.37%
8
3.38%
3.42%
3.44%
9
3.44%
3.48%
3.50%
10
3.49%
3.52%
3.55%
11
3.54%
3.56%
3.58%
12
3.57%
3.60%
3.61%
13
3.60%
3.62%
3.64%
14
3.63%
3.65%
3.66%
15
3.65%
3.67%
3.68%
相關連結:
儲蓄保險王Line: @wvr5039s
https://db.tt/SQiRWquT
寫了
5860316篇文章,獲得
23313次喜歡