本篇原為密碼題
密碼=六年IRR=2.2786
鑫富旺將於4月底停售
將之解密
截至18/03/27為止
有327人瀏覽
327人算出來的IRR
到小數點下4位都一模一樣
| 保費(萬) | 折扣 |
| 150~250 | 0.3% |
| 250~500 | 0.5% |
| >500 | 0.7% |
折扣0.7%(>500萬):
| FB粉絲團: https://www.facebook.com/hammer0925/ | |||
| 原始保費: | 5016960 | 新光人壽鑫富旺(DQ) | |
| 實繳保費: | 4981841 | 高保費折扣: | 0.7% |
| 年 | 次年度初 總解約金 |
次年度初 總解約金 /實繳保費 |
IRR |
| 1 | 4698715 | 94.32% | -5.6832% |
| 2 | 4900744 | 98.37% | -0.8173% |
| 3 | 5093210 | 102.24% | 0.7397% |
| 4 | 5291801 | 106.22% | 1.5204% |
| 5 | 5490582 | 110.21% | 1.9637% |
| 6 | 5702936 | 114.47% | 2.2786% |
| 7 | 5869097 | 117.81% | 2.3691% |
| 8 | 6039760 | 121.24% | 2.4363% |
| 9 | 6215576 | 124.76% | 2.4889% |
| 10 | 6396683 | 128.40% | 2.5313% |
| 11 | 6582700 | 132.13% | 2.5655% |
| 12 | 6774809 | 135.99% | 2.5949% |
| 13 | 6972124 | 139.95% | 2.6193% |
| 14 | 7175315 | 144.03% | 2.6403% |
| 15 | 7384540 | 148.23% | 2.6587% |
| 16 | 7599442 | 152.54% | 2.6744% |
| 17 | 7821225 | 156.99% | 2.6887% |
| 18 | 8049027 | 161.57% | 2.7011% |
| 19 | 8284062 | 166.29% | 2.7126% |
| 20 | 8525477 | 171.13% | 2.7227% |
折扣0.5%(250~500萬):
| FB粉絲團: https://www.facebook.com/hammer0925/ | |||
| 原始保費: | 5016960 | 新光人壽鑫富旺(DQ) | |
| 實繳保費: | 4991875 | 高保費折扣: | 0.5% |
| 年 | 次年度初 總解約金 |
次年度初 總解約金 /實繳保費 |
IRR |
| 1 | 4698715 | 94.13% | -5.8727% |
| 2 | 4900744 | 98.17% | -0.9170% |
| 3 | 5093210 | 102.03% | 0.6721% |
| 4 | 5291801 | 106.01% | 1.4694% |
| 5 | 5490582 | 109.99% | 1.9227% |
| 6 | 5702936 | 114.24% | 2.2443% |
| 7 | 5869097 | 117.57% | 2.3397% |
| 8 | 6039760 | 120.99% | 2.4105% |
| 9 | 6215576 | 124.51% | 2.4660% |
| 10 | 6396683 | 128.14% | 2.5107% |
| 11 | 6582700 | 131.87% | 2.5467% |
| 12 | 6774809 | 135.72% | 2.5777% |
| 13 | 6972124 | 139.67% | 2.6034% |
| 14 | 7175315 | 143.74% | 2.6256% |
| 15 | 7384540 | 147.93% | 2.6449% |
| 16 | 7599442 | 152.24% | 2.6614% |
| 17 | 7821225 | 156.68% | 2.6765% |
| 18 | 8049027 | 161.24% | 2.6896% |
| 19 | 8284062 | 165.95% | 2.7018% |
| 20 | 8525477 | 170.79% | 2.7124% |
折扣0.3%(150~250萬):
| FB粉絲團: https://www.facebook.com/hammer0925/ | |||
| 原始保費: | 5016960 | 新光人壽鑫富旺(DQ) | |
| 實繳保費: | 5001909 | 高保費折扣: | 0.3% |
| 年 | 次年度初 總解約金 |
次年度初 總解約金 /實繳保費 |
IRR |
| 1 | 4698715 | 93.94% | -6.0616% |
| 2 | 4900744 | 97.98% | -1.0164% |
| 3 | 5093210 | 101.83% | 0.6048% |
| 4 | 5291801 | 105.80% | 1.4184% |
| 5 | 5490582 | 109.77% | 1.8818% |
| 6 | 5702936 | 114.02% | 2.2101% |
| 7 | 5869097 | 117.34% | 2.3103% |
| 8 | 6039760 | 120.75% | 2.3848% |
| 9 | 6215576 | 124.26% | 2.4431% |
| 10 | 6396683 | 127.88% | 2.4901% |
| 11 | 6582700 | 131.60% | 2.5280% |
| 12 | 6774809 | 135.44% | 2.5605% |
| 13 | 6972124 | 139.39% | 2.5875% |
| 14 | 7175315 | 143.45% | 2.6108% |
| 15 | 7384540 | 147.63% | 2.6311% |
| 16 | 7599442 | 151.93% | 2.6486% |
| 17 | 7821225 | 156.36% | 2.6644% |
| 18 | 8049027 | 160.92% | 2.6782% |
| 19 | 8284062 | 165.62% | 2.6909% |
| 20 | 8525477 | 170.44% | 2.7021% |
無折扣:
| FB粉絲團: https://www.facebook.com/hammer0925/ | |||
| 原始保費: | 5016960 | 新光人壽鑫富旺(DQ) | |
| 實繳保費: | 5016960 | 高保費折扣: | 0% |
| 年 | 次年度初 總解約金 |
次年度初 總解約金 /實繳保費 |
IRR |
| 1 | 4698715 | 93.66% | -6.3434% |
| 2 | 4900744 | 97.68% | -1.1650% |
| 3 | 5093210 | 101.52% | 0.5041% |
| 4 | 5291801 | 105.48% | 1.3423% |
| 5 | 5490582 | 109.44% | 1.8206% |
| 6 | 5702936 | 113.67% | 2.1589% |
| 7 | 5869097 | 116.99% | 2.2664% |
| 8 | 6039760 | 120.39% | 2.3464% |
| 9 | 6215576 | 123.89% | 2.4089% |
| 10 | 6396683 | 127.50% | 2.4593% |
| 11 | 6582700 | 131.21% | 2.5000% |
| 12 | 6774809 | 135.04% | 2.5348% |
| 13 | 6972124 | 138.97% | 2.5638% |
| 14 | 7175315 | 143.02% | 2.5888% |
| 15 | 7384540 | 147.19% | 2.6106% |
| 16 | 7599442 | 151.48% | 2.6293% |
| 17 | 7821225 | 155.90% | 2.6463% |
| 18 | 8049027 | 160.44% | 2.6611% |
| 19 | 8284062 | 165.12% | 2.6747% |
| 20 | 8525477 | 169.93% | 2.6866% |
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