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

by 儲蓄保險王 · 2018-07-06

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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%
年	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%
年	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%
年	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%
年	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%
年	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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