2018年台幣躉繳儲蓄險/中國人壽旺財利率變動型終身壽險IRR分析

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Screenshot_2018-07-05-09-33-23-11  

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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%
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%
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%
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%
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%
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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