新光人壽鑫旺福利率變動型終身壽險

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看完建議書再看高保費折扣

100~200萬: 0.2%

200~500萬: 0.3%

500萬以上: 0.7%

建議書享有最高的0.7%折扣

點讚加入儲蓄保險王粉絲團   

點此加入Line:@wvr5039s

依據最後一個欄位

次年度初解約金/累積實繳保費

計算IRR:

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 100.7 折扣 解約金
增加率
Line: @wvr5039s 新光人壽
2.94% 實繳保費 100.0 0.7% 定存利率 1.30% 鑫旺福勝出
解約金 IRR 總報酬率 本利和 總報酬率 絕對利差 相對利差
1 94.08 -5.92% -5.92%   101.30 1.30%    
2 97.93 -1.04% -2.07%   102.62 2.62%    
3 101.89 0.63% 1.89%   103.95 3.95%    
4 106.37 1.56% 6.37% 4.40% 105.30 5.30% 0.27% 20.14%
5 110.26 1.97% 10.26% 3.66% 106.67 6.67% 0.72% 53.80%
6 114.46 2.28% 14.46% 3.81% 108.06 8.06% 1.07% 79.45%
7 117.86 2.38% 17.86% 2.97% 109.46 9.46% 1.20% 88.74%
8 121.35 2.45% 21.35% 2.96% 110.89 10.89% 1.31% 96.13%
9 124.93 2.50% 24.93% 2.95% 112.33 12.33% 1.40% 102.24%
10 128.64 2.55% 28.64% 2.97% 113.79 13.79% 1.49% 107.72%
11 132.45 2.59% 32.45% 2.96% 115.27 15.27% 1.56% 112.55%
12 136.36 2.62% 36.36% 2.95% 116.77 16.77% 1.63% 116.88%
13 140.4 2.64% 40.40% 2.96% 118.28 18.28% 1.70% 120.97%
14 144.56 2.67% 44.56% 2.96% 119.82 19.82% 1.77% 124.81%
15 148.83 2.69% 48.83% 2.95% 121.38 21.38% 1.83% 128.41%
16 153.24 2.70% 53.24% 2.96% 122.96 22.96% 1.89% 131.92%
17 157.78 2.72% 57.78% 2.96% 124.55 24.55% 1.95% 135.31%
18 162.46 2.73% 62.46% 2.97% 126.17 26.17% 2.02% 138.63%
19 167.24 2.74% 67.24% 2.94% 127.81 27.81% 2.08% 141.75%
20 172.2 2.75% 72.20% 2.97% 129.48 29.48% 2.14% 144.95%

兩年內解約為虧損

滿三年保本,IRR=0.63%

四年勝定存,IRR=1.56%

之後解約金年增加率3%~3.8%

不論是保單宣告利率下降

還是定存利率提高

定存都不可能追上儲蓄險

六年IRR 2.3%,

跟定存絕對利差1.1%

相對利差80%

9年IRR 2.5%,相對利差102% 

也就是保單的利息為定存的2倍

20年IRR 2.75%,相對利差145%

保單的利息為定存的2.45倍

 

以下僅修改折扣為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 100.7 折扣 解約金
增加率
Line: @wvr5039s 新光人壽
2.94% 實繳保費 100.4 0.3% 定存利率 1.30% 鑫旺福勝出
解約金 IRR 總報酬率 本利和 總報酬率 絕對利差 相對利差
1 94.08 -6.30% -6.30%   101.71 1.30%    
2 97.93 -1.24% -2.46%   103.03 2.62%    
3 101.89 0.49% 1.48%   104.37 3.95%    
4 106.37 1.45% 5.94% 4.40% 105.73 5.30% 0.16% 12.09%
5 110.26 1.89% 9.82% 3.66% 107.10 6.67% 0.63% 47.16%
6 114.46 2.21% 14.00% 3.81% 108.49 8.06% 0.99% 73.75%
7 117.86 2.32% 17.39% 2.97% 109.90 9.46% 1.13% 83.74%
8 121.35 2.40% 20.86% 2.96% 111.33 10.89% 1.25% 91.66%
9 124.93 2.46% 24.43% 2.95% 112.78 12.33% 1.34% 98.17%
10 128.64 2.51% 28.12% 2.97% 114.25 13.79% 1.43% 103.98%
11 132.45 2.55% 31.92% 2.96% 115.73 15.27% 1.51% 109.07%
12 136.36 2.58% 35.81% 2.95% 117.24 16.77% 1.59% 113.61%
13 140.4 2.61% 39.84% 2.96% 118.76 18.28% 1.66% 117.89%
14 144.56 2.64% 43.98% 2.96% 120.30 19.82% 1.73% 121.89%
15 148.83 2.66% 48.23% 2.95% 121.87 21.38% 1.79% 125.61%
16 153.24 2.68% 52.63% 2.96% 123.45 22.96% 1.85% 129.24%
17 157.78 2.69% 57.15% 2.96% 125.06 24.55% 1.92% 132.73%
18 162.46 2.71% 61.81% 2.97% 126.68 26.17% 1.98% 136.14%
19 167.24 2.72% 66.57% 2.94% 128.33 27.81% 2.04% 139.33%
20 172.2 2.73% 71.51% 2.97% 130.00 29.48% 2.10% 142.60%

以下修改折扣為0.2%:

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 100.7 折扣 解約金
增加率
Line: @wvr5039s 新光人壽
2.94% 實繳保費 100.5 0.2% 定存利率 1.30% 鑫旺福勝出
解約金 IRR 總報酬率 本利和 總報酬率 絕對利差 相對利差
1 94.08 -6.39% -6.39%   101.81 1.30%    
2 97.93 -1.29% -2.56%   103.13 2.62%    
3 101.89 0.46% 1.38%   104.47 3.95%    
4 106.37 1.43% 5.84% 4.40% 105.83 5.30% 0.13% 10.09%
5 110.26 1.87% 9.71% 3.66% 107.21 6.67% 0.61% 45.51%
6 114.46 2.19% 13.89% 3.81% 108.60 8.06% 0.97% 72.33%
7 117.86 2.30% 17.27% 2.97% 110.01 9.46% 1.12% 82.50%
8 121.35 2.38% 20.74% 2.96% 111.44 10.89% 1.23% 90.54%
9 124.93 2.45% 24.30% 2.95% 112.89 12.33% 1.33% 97.16%
10 128.64 2.50% 28.00% 2.97% 114.36 13.79% 1.42% 103.05%
11 132.45 2.54% 31.79% 2.96% 115.85 15.27% 1.50% 108.21%
12 136.36 2.58% 35.68% 2.95% 117.35 16.77% 1.58% 112.80%
13 140.4 2.60% 39.70% 2.96% 118.88 18.28% 1.65% 117.12%
14 144.56 2.63% 43.84% 2.96% 120.42 19.82% 1.72% 121.16%
15 148.83 2.65% 48.08% 2.95% 121.99 21.38% 1.78% 124.92%
16 153.24 2.67% 52.47% 2.96% 123.58 22.96% 1.84% 128.57%
17 157.78 2.69% 56.99% 2.96% 125.18 24.55% 1.91% 132.09%
18 162.46 2.70% 61.65% 2.97% 126.81 26.17% 1.97% 135.52%
19 167.24 2.72% 66.40% 2.94% 128.46 27.81% 2.03% 138.73%
20 172.2 2.73% 71.34% 2.97% 130.13 29.48% 2.09% 142.02%

  

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 100.7 折扣 解約金
增加率
Line: @wvr5039s 新光人壽
2.94% 實繳保費 100.7 0.0% 定存利率 1.30% 鑫旺福勝出
解約金 IRR 總報酬率 本利和 總報酬率 絕對利差 相對利差
1 94.08 -6.58% -6.58%   102.01 1.30%    
2 97.93 -1.39% -2.76%   103.34 2.62%    
3 101.89 0.39% 1.18%   104.68 3.95%    
4 106.37 1.38% 5.63% 4.40% 106.04 5.30% 0.08% 6.09%
5 110.26 1.83% 9.49% 3.66% 107.42 6.67% 0.56% 42.23%
6 114.46 2.16% 13.66% 3.81% 108.82 8.06% 0.93% 69.51%
7 117.86 2.27% 17.03% 2.97% 110.23 9.46% 1.08% 80.02%
8 121.35 2.36% 20.50% 2.96% 111.67 10.89% 1.20% 88.33%
9 124.93 2.42% 24.06% 2.95% 113.12 12.33% 1.30% 95.14%
10 128.64 2.48% 27.74% 2.97% 114.59 13.79% 1.40% 101.19%
11 132.45 2.52% 31.52% 2.96% 116.08 15.27% 1.48% 106.48%
12 136.36 2.56% 35.41% 2.95% 117.59 16.77% 1.55% 111.18%
13 140.4 2.59% 39.42% 2.96% 119.12 18.28% 1.63% 115.59%
14 144.56 2.62% 43.55% 2.96% 120.67 19.82% 1.69% 119.71%
15 148.83 2.64% 47.79% 2.95% 122.23 21.38% 1.76% 123.53%
16 153.24 2.66% 52.17% 2.96% 123.82 22.96% 1.83% 127.25%
17 157.78 2.68% 56.68% 2.96% 125.43 24.55% 1.89% 130.81%
18 162.46 2.69% 61.32% 2.97% 127.06 26.17% 1.95% 134.29%
19 167.24 2.71% 66.07% 2.94% 128.72 27.81% 2.01% 137.54%
20 172.2 2.72% 70.99% 2.97% 130.39 29.48% 2.08% 140.86%

不同折扣IRR統整:

FB: 儲蓄保險王.正義真話侠    Line: @@wvr5039s
折扣: 0.7% (500萬) 0.3% (200萬) 0.2%(100萬) 0.0%
IRR IRR IRR IRR
1 -5.92% -6.30% -6.39% -6.58%
2 -1.04% -1.24% -1.29% -1.39%
3 0.63% 0.49% 0.46% 0.39%
4 1.56% 1.45% 1.43% 1.38%
5 1.97% 1.89% 1.87% 1.83%
6 2.28% 2.21% 2.19% 2.16%
7 2.38% 2.32% 2.30% 2.27%
8 2.45% 2.40% 2.38% 2.36%
9 2.50% 2.46% 2.45% 2.42%
10 2.55% 2.51% 2.50% 2.48%
11 2.59% 2.55% 2.54% 2.52%
12 2.62% 2.58% 2.58% 2.56%
13 2.64% 2.61% 2.60% 2.59%
14 2.67% 2.64% 2.63% 2.62%
15 2.69% 2.66% 2.65% 2.64%
16 2.70% 2.68% 2.67% 2.66%
17 2.72% 2.69% 2.69% 2.68%
18 2.73% 2.71% 2.70% 2.69%
19 2.74% 2.72% 2.72% 2.71%
20 2.75% 2.73% 2.73% 2.72%

相關連結:

儲蓄保險王Line: @wvr5039s

@wvr5039s

https://db.tt/SQiRWquT

 

 

 

 

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