建議書由保經業務員提供,
若需介紹,可至儲蓄保險王粉絲團私訊
採用帳戶代扣繳有1%折扣
另有高保費折扣如下:
建議書為六年期繳
享有最高的1%+2.5%折扣
(年繳10萬美金~300萬台幣)
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 16.6667 | 折扣 | 3.50% |
| 0 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 1 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 2 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 3 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 4 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 5 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 6 | 109.18 | 0 | 0 | 0 | 0 |
| 7 | 113.3 | 0 | 0 | 0 | |
| 8 | 117.58 | 0 | 0 | ||
| 9 | 122.02 | 0 | |||
| 10 | 126.64 | ||||
| IRR | 2.51% | 2.79% | 2.96% | 3.09% | 3.18% |
| 滿n年 | 6年 | 7年 | 8年 | 9年 | 10年 |
| 總報酬率 | 9.18% | 13.30% | 17.58% | 22.02% | 26.64% |
| 解約金增加率 | 3.77% | 3.78% | 3.78% | 3.79% | |
5年保本,總報酬率4.63%
6年IRR 2.51%勝定存
之後解約金年增加率約為3.78%
9年IRR 3.09%,衝破3%
10年IRR 3.2%
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 16.6667 | 折扣 | 3.50% |
| 0 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 1 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 2 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 3 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 4 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 5 | -16.6667 | -16.6667 | -16.6667 | -16.6667 | -16.6667 |
| 6 | 0 | 0 | 0 | 0 | 0 |
| 7 | 0 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 | 0 |
| 9 | 0 | 0 | 0 | 0 | 0 |
| 10 | 0 | 0 | 0 | 0 | 0 |
| 11 | 131.43 | 0 | 0 | 0 | 0 |
| 12 | 136.4 | 0 | 0 | 0 | |
| 13 | 141.55 | 0 | 0 | ||
| 14 | 146.91 | 0 | |||
| 15 | 152.46 | ||||
| IRR | 3.25% | 3.30% | 3.35% | 3.39% | 3.42% |
| 滿n年 | 11年 | 12年 | 13年 | 14年 | 15年 |
| 總報酬率 | 31.43% | 36.40% | 41.55% | 46.91% | 52.46% |
| 解約金增加率 | 3.78% | 3.78% | 3.78% | 3.79% | 3.78% |
11年IRR 3.25%
15年IRR 3.42%
年期越長,IRR越高
是一般儲蓄險常見的狀況
但年期拉長的話,
就會看到IRR只能緩慢地增加
不要誤會了!
我們可以看到解約金增加率
仍然是一年增加3.78%
若將之解約
改放其他儲蓄類資產(定存,政府公債……)
不可能會有一年3.78%的增加率
再者,11年/15年IRR貌似差距不大
總報酬率31% vs 52%
差距不可謂不明顯
柏格說:
時間是你的朋友
衝動是你的敵人
千萬不要衝動亂解約
因為折扣門檻多
將不同折扣IRR統整放前面
現金流放後面
| FB: 儲蓄保險王.正義真話俠 Line: @wvr5039s | |||||
| 門檻 | 10萬 | 3萬 | 0.75萬 | 0.5萬 | |
| 折扣 | 3.50% | 3.00% | 1.75% | 1.50% | 1.00% |
| 滿n年 | IRR | IRR | IRR | IRR | IRR |
| 6年 | 2.51% | 2.37% | 2.00% | 1.93% | 1.78% |
| 7年 | 2.79% | 2.67% | 2.39% | 2.33% | 2.22% |
| 8年 | 2.96% | 2.87% | 2.63% | 2.59% | 2.49% |
| 9年 | 3.09% | 3.01% | 2.81% | 2.77% | 2.69% |
| 10年 | 3.18% | 3.11% | 2.94% | 2.90% | 2.83% |
| 11年 | 3.25% | 3.19% | 3.03% | 3.00% | 2.94% |
| 12年 | 3.30% | 3.25% | 3.11% | 3.08% | 3.03% |
| 13年 | 3.35% | 3.30% | 3.17% | 3.15% | 3.10% |
| 14年 | 3.39% | 3.34% | 3.23% | 3.20% | 3.16% |
| 15年 | 3.42% | 3.38% | 3.27% | 3.25% | 3.21% |
折扣:1%+2%
(年繳3萬美金~90萬台幣)
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 16.7530 | 折扣 | 3.00% |
| 0 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 1 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 2 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 3 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 4 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 5 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 6 | 109.18 | 0 | 0 | 0 | 0 |
| 7 | 113.3 | 0 | 0 | 0 | |
| 8 | 117.58 | 0 | 0 | ||
| 9 | 122.02 | 0 | |||
| 10 | 126.64 | ||||
| IRR | 2.37% | 2.67% | 2.87% | 3.01% | 3.11% |
| 滿n年 | 6年 | 7年 | 8年 | 9年 | 10年 |
| 總報酬率 | 8.62% | 12.72% | 16.97% | 21.39% | 25.99% |
| 解約金增加率 | 3.77% | 3.78% | 3.78% | 3.79% | |
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 16.7530 | 折扣 | 3.00% |
| 0 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 1 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 2 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 3 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 4 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 5 | -16.7530 | -16.7530 | -16.7530 | -16.7530 | -16.7530 |
| 6 | 0 | 0 | 0 | 0 | 0 |
| 7 | 0 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 | 0 |
| 9 | 0 | 0 | 0 | 0 | 0 |
| 10 | 0 | 0 | 0 | 0 | 0 |
| 11 | 131.43 | 0 | 0 | 0 | 0 |
| 12 | 136.4 | 0 | 0 | 0 | |
| 13 | 141.55 | 0 | 0 | ||
| 14 | 146.91 | 0 | |||
| 15 | 152.46 | ||||
| IRR | 3.19% | 3.25% | 3.30% | 3.34% | 3.38% |
| 滿n年 | 11年 | 12年 | 13年 | 14年 | 15年 |
| 總報酬率 | 30.75% | 35.70% | 40.82% | 46.15% | 51.67% |
| 解約金增加率 | 3.78% | 3.78% | 3.78% | 3.79% | 3.78% |
折扣:1%+0.75%
(年繳7500美金~22.5萬台幣)
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 16.9689 | 折扣 | 1.75% |
| 0 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 1 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 2 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 3 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 4 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 5 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 6 | 109.18 | 0 | 0 | 0 | 0 |
| 7 | 113.3 | 0 | 0 | 0 | |
| 8 | 117.58 | 0 | 0 | ||
| 9 | 122.02 | 0 | |||
| 10 | 126.64 | ||||
| IRR | 2.00% | 2.39% | 2.63% | 2.81% | 2.94% |
| 滿n年 | 6年 | 7年 | 8年 | 9年 | 10年 |
| 總報酬率 | 7.24% | 11.28% | 15.49% | 19.85% | 24.38% |
| 解約金增加率 | 3.77% | 3.78% | 3.78% | 3.79% | |
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 16.9689 | 折扣 | 1.75% |
| 0 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 1 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 2 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 3 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 4 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 5 | -16.9689 | -16.9689 | -16.9689 | -16.9689 | -16.9689 |
| 6 | 0 | 0 | 0 | 0 | 0 |
| 7 | 0 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 | 0 |
| 9 | 0 | 0 | 0 | 0 | 0 |
| 10 | 0 | 0 | 0 | 0 | 0 |
| 11 | 131.43 | 0 | 0 | 0 | 0 |
| 12 | 136.4 | 0 | 0 | 0 | |
| 13 | 141.55 | 0 | 0 | ||
| 14 | 146.91 | 0 | |||
| 15 | 152.46 | ||||
| IRR | 3.03% | 3.11% | 3.17% | 3.23% | 3.27% |
| 滿n年 | 11年 | 12年 | 13年 | 14年 | 15年 |
| 總報酬率 | 29.09% | 33.97% | 39.03% | 44.29% | 49.74% |
| 解約金增加率 | 3.78% | 3.78% | 3.78% | 3.79% | 3.78% |
折扣:1%+0.5%
(年繳5000美金~15萬台幣)
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 17.0121 | 折扣 | 1.50% |
| 0 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 1 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 2 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 3 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 4 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 5 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 6 | 109.18 | 0 | 0 | 0 | 0 |
| 7 | 113.3 | 0 | 0 | 0 | |
| 8 | 117.58 | 0 | 0 | ||
| 9 | 122.02 | 0 | |||
| 10 | 126.64 | ||||
| IRR | 1.93% | 2.33% | 2.59% | 2.77% | 2.90% |
| 滿n年 | 6年 | 7年 | 8年 | 9年 | 10年 |
| 總報酬率 | 6.96% | 11.00% | 15.19% | 19.54% | 24.07% |
| 解約金增加率 | 3.77% | 3.78% | 3.78% | 3.79% | |
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 17.0121 | 折扣 | 1.50% |
| 0 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 1 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 2 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 3 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 4 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 5 | -17.0121 | -17.0121 | -17.0121 | -17.0121 | -17.0121 |
| 6 | 0 | 0 | 0 | 0 | 0 |
| 7 | 0 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 | 0 |
| 9 | 0 | 0 | 0 | 0 | 0 |
| 10 | 0 | 0 | 0 | 0 | 0 |
| 11 | 131.43 | 0 | 0 | 0 | 0 |
| 12 | 136.4 | 0 | 0 | 0 | |
| 13 | 141.55 | 0 | 0 | ||
| 14 | 146.91 | 0 | |||
| 15 | 152.46 | ||||
| IRR | 3.00% | 3.08% | 3.15% | 3.20% | 3.25% |
| 滿n年 | 11年 | 12年 | 13年 | 14年 | 15年 |
| 總報酬率 | 28.76% | 33.63% | 38.68% | 43.93% | 49.36% |
| 解約金增加率 | 3.78% | 3.78% | 3.78% | 3.79% | 3.78% |
折扣1% (年繳<5000美金)
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 17.0984 | 折扣 | 1.00% |
| 0 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 1 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 2 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 3 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 4 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 5 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 6 | 109.18 | 0 | 0 | 0 | 0 |
| 7 | 113.3 | 0 | 0 | 0 | |
| 8 | 117.58 | 0 | 0 | ||
| 9 | 122.02 | 0 | |||
| 10 | 126.64 | ||||
| IRR | 1.78% | 2.22% | 2.49% | 2.69% | 2.83% |
| 滿n年 | 6年 | 7年 | 8年 | 9年 | 10年 |
| 總報酬率 | 6.42% | 10.44% | 14.61% | 18.94% | 23.44% |
| 解約金增加率 | 3.77% | 3.78% | 3.78% | 3.79% | |
| 宣告: | 3.75% | FB: 儲蓄保險王 Line: @wvr5039s | |||
| 表定保費: | 17.2712 | 實繳 | 17.0984 | 折扣 | 1.00% |
| 0 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 1 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 2 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 3 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 4 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 5 | -17.0984 | -17.0984 | -17.0984 | -17.0984 | -17.0984 |
| 6 | 0 | 0 | 0 | 0 | 0 |
| 7 | 0 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 | 0 |
| 9 | 0 | 0 | 0 | 0 | 0 |
| 10 | 0 | 0 | 0 | 0 | 0 |
| 11 | 131.43 | 0 | 0 | 0 | 0 |
| 12 | 136.4 | 0 | 0 | 0 | |
| 13 | 141.55 | 0 | 0 | ||
| 14 | 146.91 | 0 | |||
| 15 | 152.46 | ||||
| IRR | 2.94% | 3.03% | 3.10% | 3.16% | 3.21% |
| 滿n年 | 11年 | 12年 | 13年 | 14年 | 15年 |
| 總報酬率 | 28.11% | 32.96% | 37.98% | 43.20% | 48.61% |
| 解約金增加率 | 3.78% | 3.78% | 3.78% | 3.79% | 3.78% |
相關連結:
儲蓄保險王Line: @wvr5039s
#保險 #保險王 #躉繳 #六年期 #儲蓄險 #IRR #躉繳儲蓄險 #六年期儲蓄險 #躉繳保單 #外幣保單 #美金保單 #美元保單 #澳幣保單 #外幣儲蓄險 #美金儲蓄險 #美元儲蓄險 #澳幣儲蓄險
![Python Logging 完全指南：從基礎到實戰應用; import logging ; logging.basicConfig(level=logging.INFO, handlers=[ logging.StreamHandler(), logging.FileHandler(‘app.log’, mode=’a’, encoding=’utf-8′)] ) ; inspect.currentframe().f_code.co_name #動態取得funcName](https://i1.wp.com/savingking.com.tw/wp-content/uploads/2025/10/20251021155823_0_c16012.png?quality=90&zoom=2&ssl=1&resize=350%2C233 "Python Logging 完全指南：從基礎到實戰應用; import logging ; logging.basicConfig(level=logging.INFO, handlers=[ logging.StreamHandler(), logging.FileHandler(‘app.log’, mode=’a’, encoding=’utf-8′)] ) ; inspect.currentframe().f_code.co_name #動態取得funcName")
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