建議書由保經業務提供,
若需推薦,請至儲蓄保險王粉絲團私訊
建議書為最低保額，
三年總繳保費不到21萬
QAS若採用三年期繳，
則可以掛附約，
例如: 實支實付XHR
只要使用帳戶扣款，便有1.5%折扣
IRR試算，就用最簡單的1.5%折扣
若改用LP卡2%點數回饋，
IRR就會更高
| 年 | 儲蓄保險王.正義真話侠 | Line: | @wvr5039s | |
| 0 | -33.33 | -33.33 | -33.33 | -33.33 |
| 1 | -33.33 | -33.33 | -33.33 | -33.33 |
| 2 | -33.33 | -33.33 | -33.33 | -33.33 |
| 3 | 93.7 | 0 | 0 | 0 |
| 4 | 101.52 | 0 | 0 | |
| 5 | 104.28 | 0 | ||
| 6 | 108.14 | |||
| IRR | -3.22% | 0.50% | 1.05% | 1.58% |
| 年 | 3 | 4 | 5 | 6 |
| 總報酬率 | -6.30% | 1.52% | 4.28% | 8.14% |
滿四年保本，IRR 0.5%
六年IRR 1.6%勝定存
| 年 | 儲蓄保險王.正義真話侠 | Line: | @wvr5039s | |
| 0 | -33.33 | -33.33 | -33.33 | -33.33 |
| 1 | -33.33 | -33.33 | -33.33 | -33.33 |
| 2 | -33.33 | -33.33 | -33.33 | -33.33 |
| 3 | 0 | 0 | 0 | 0 |
| 4 | 0 | 0 | 0 | 0 |
| 5 | 0 | 0 | 0 | 0 |
| 6 | 0 | 0 | 0 | 0 |
| 7 | 111.06 | 0 | 0 | 0 |
| 8 | 114.07 | 0 | 0 | |
| 9 | 117.17 | 0 | ||
| 10 | 120.34 | |||
| IRR | 1.76% | 1.90% | 2.00% | 2.08% |
| 年 | 7 | 8 | 9 | 10 |
| 總報酬率 | 11.06% | 14.07% | 17.17% | 20.34% |
七年IRR 1.8%
十年IRR 2.1%
若想試算更長年期IRR
可以再參考以下建議書:
相關連結:
儲蓄保險王Line: @wvr5039s
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