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看完建議書再看高保費折扣
3.5萬~15萬(美金): 0.3%(台幣105萬以上)
15萬美金以上: 0.5% (台幣450萬以上)
撰文時間是五月
當時的宣告利率
七月新光再將美旺福宣告利率
提高到3.97%
八月維持3.97%
所以五月的文章
略低估新光美旺福的IRR
本篇就要用最新的宣告利率3.97%
重新計算美旺福的IRR:
| 賴: @wvr5039s | ||||
| 宣告 | 表定保費 | 100.5 | 折扣 | 解約金 |
| 3.97% | 實繳保費 | 100.0 | 0.5% | 增加率 |
| 年 | 解約金 | IRR | 總報酬率 | |
| 1 | 95.07 | -4.93% | -4.93% | |
| 2 | 99.98 | -0.01% | -0.02% | |
| 3 | 106.1 | 1.99% | 6.10% | |
| 4 | 111.43 | 2.74% | 11.43% | 5.02% |
| 5 | 115.92 | 3.00% | 15.92% | 4.03% |
| 6 | 121.66 | 3.32% | 21.66% | 4.95% |
| 7 | 126.53 | 3.42% | 26.53% | 4.00% |
| 8 | 131.61 | 3.49% | 31.61% | 4.01% |
| 9 | 136.88 | 3.55% | 36.88% | 4.00% |
| 10 | 142.37 | 3.60% | 42.37% | 4.01% |
| 11 | 148.08 | 3.63% | 48.08% | 4.01% |
| 12 | 154.01 | 3.66% | 54.01% | 4.00% |
| 13 | 160.19 | 3.69% | 60.19% | 4.01% |
| 14 | 166.61 | 3.71% | 66.61% | 4.01% |
| 15 | 173.29 | 3.73% | 73.29% | 4.01% |
三年IRR=1.99%勝定存
多等一年,
四年IRR就跳升到2.74%
解約金增加率5.02%
雖然三年也有不差的報酬率
再多等一年是值得的
五年IRR 3%
六年IRR 3.32%
5 -> 6年,解約金增加率4.95%
六年後,解約金增加率約4%
意指不論是定存利率提高
還是保單利率下降
定存都沒有任何機會追上儲蓄險
新光美旺福PK定存
但是取利率較高的少數幾家銀行
美金定存利率1.75%來比較:
| 儲蓄保險王.正義真話侠 | 儲蓄保險王 | |||
| 宣告 | 賴: @wvr5039s | 賴: @wvr5039s | ||
| 3.97% | 定存利率 | 1.75% | 美旺福勝出 | |
| 年 | 本利和 | 總報酬率 | 絕對利差 | 相對利差 |
| 1 | 101.75 | 1.75% | NA | NA |
| 2 | 103.53 | 3.53% | NA | NA |
| 3 | 105.34 | 5.34% | 0.25% | 14.18% |
| 4 | 107.19 | 7.19% | 1.06% | 59.06% |
| 5 | 109.06 | 9.06% | 1.37% | 75.69% |
| 6 | 110.97 | 10.97% | 1.78% | 97.44% |
| 7 | 112.91 | 12.91% | 1.95% | 105.46% |
| 8 | 114.89 | 14.89% | 2.09% | 112.32% |
| 9 | 116.90 | 16.90% | 2.22% | 118.24% |
| 10 | 118.94 | 18.94% | 2.34% | 123.65% |
| 11 | 121.03 | 21.03% | 2.46% | 128.67% |
| 12 | 123.14 | 23.14% | 2.57% | 133.37% |
| 13 | 125.30 | 25.30% | 2.68% | 137.92% |
| 14 | 127.49 | 27.49% | 2.79% | 142.29% |
| 15 | 129.72 | 29.72% | 2.90% | 146.58% |
四年絕對利差1.1%
相對利差59%
七年絕對利差2%
相對利差106%
儲蓄險的利息是
定存的2倍有餘
15年絕對利差2.9%
相對利差147%
儲蓄險的利息是
定存的2.5倍
以下僅修改折扣為0.3%(3.5萬美金)
| 賴: @wvr5039s | ||||
| 宣告 | 表定保費 | 100.5 | 折扣 | 解約金 |
| 3.97% | 實繳保費 | 100.2 | 0.3% | 增加率 |
| 年 | 解約金 | IRR | 總報酬率 | |
| 1 | 95.07 | -5.12% | -5.12% | |
| 2 | 99.98 | -0.11% | -0.22% | |
| 3 | 106.1 | 1.93% | 5.89% | |
| 4 | 111.43 | 2.69% | 11.21% | 5.02% |
| 5 | 115.92 | 2.96% | 15.69% | 4.03% |
| 6 | 121.66 | 3.29% | 21.42% | 4.95% |
| 7 | 126.53 | 3.39% | 26.28% | 4.00% |
| 8 | 131.61 | 3.47% | 31.35% | 4.01% |
| 9 | 136.88 | 3.53% | 36.61% | 4.00% |
| 10 | 142.37 | 3.57% | 42.08% | 4.01% |
| 11 | 148.08 | 3.61% | 47.78% | 4.01% |
| 12 | 154.01 | 3.65% | 53.70% | 4.00% |
| 13 | 160.19 | 3.68% | 59.87% | 4.01% |
| 14 | 166.61 | 3.70% | 66.28% | 4.01% |
| 15 | 173.29 | 3.72% | 72.94% | 4.01% |
| 儲蓄保險王.正義真話侠 | 儲蓄保險王 | |||
| 宣告 | 賴: @wvr5039s | 賴: @wvr5039s | ||
| 3.97% | 定存利率 | 1.75% | 美旺福勝出 | |
| 年 | 本利和 | 總報酬率 | 絕對利差 | 相對利差 |
| 1 | 101.95 | 1.75% | NA | NA |
| 2 | 103.74 | 3.53% | NA | NA |
| 3 | 105.55 | 5.34% | 0.18% | 10.20% |
| 4 | 107.40 | 7.19% | 1.01% | 55.95% |
| 5 | 109.28 | 9.06% | 1.33% | 73.12% |
| 6 | 111.19 | 10.97% | 1.74% | 95.22% |
| 7 | 113.14 | 12.91% | 1.91% | 103.50% |
| 8 | 115.12 | 14.89% | 2.06% | 110.54% |
| 9 | 117.13 | 16.90% | 2.19% | 116.62% |
| 10 | 119.18 | 18.94% | 2.31% | 122.15% |
| 11 | 121.27 | 21.03% | 2.43% | 127.26% |
| 12 | 123.39 | 23.14% | 2.55% | 132.03% |
| 13 | 125.55 | 25.30% | 2.66% | 136.64% |
| 14 | 127.75 | 27.49% | 2.77% | 141.08% |
| 15 | 129.98 | 29.72% | 2.88% | 145.41% |
以下修改折扣為0%:
| 賴: @wvr5039s | ||||
| 宣告 | 表定保費 | 100.5 | 折扣 | 解約金 |
| 3.97% | 實繳保費 | 100.5 | 0.0% | 增加率 |
| 年 | 解約金 | IRR | 總報酬率 | |
| 1 | 95.07 | -5.41% | -5.41% | |
| 2 | 99.98 | -0.26% | -0.52% | |
| 3 | 106.1 | 1.82% | 5.57% | |
| 4 | 111.43 | 2.61% | 10.87% | 5.02% |
| 5 | 115.92 | 2.90% | 15.34% | 4.03% |
| 6 | 121.66 | 3.24% | 21.05% | 4.95% |
| 7 | 126.53 | 3.34% | 25.90% | 4.00% |
| 8 | 131.61 | 3.43% | 30.95% | 4.01% |
| 9 | 136.88 | 3.49% | 36.20% | 4.00% |
| 10 | 142.37 | 3.54% | 41.66% | 4.01% |
| 11 | 148.08 | 3.59% | 47.34% | 4.01% |
| 12 | 154.01 | 3.62% | 53.24% | 4.00% |
| 13 | 160.19 | 3.65% | 59.39% | 4.01% |
| 14 | 166.61 | 3.68% | 65.78% | 4.01% |
| 15 | 173.29 | 3.70% | 72.42% | 4.01% |
| 儲蓄保險王.正義真話侠 | 儲蓄保險王 | |||
| 宣告 | 賴: @wvr5039s | 賴: @wvr5039s | ||
| 3.97% | 定存利率 | 1.75% | 美旺福勝出 | |
| 年 | 本利和 | 總報酬率 | 絕對利差 | 相對利差 |
| 1 | 102.26 | 1.75% | NA | NA |
| 2 | 104.05 | 3.53% | NA | NA |
| 3 | 105.87 | 5.34% | 0.08% | 4.25% |
| 4 | 107.72 | 7.19% | 0.92% | 51.31% |
| 5 | 109.61 | 9.06% | 1.26% | 69.29% |
| 6 | 111.53 | 10.97% | 1.68% | 91.90% |
| 7 | 113.48 | 12.91% | 1.86% | 100.56% |
| 8 | 115.47 | 14.89% | 2.01% | 107.90% |
| 9 | 117.49 | 16.90% | 2.14% | 114.19% |
| 10 | 119.54 | 18.94% | 2.27% | 119.90% |
| 11 | 121.63 | 21.03% | 2.39% | 125.15% |
| 12 | 123.76 | 23.14% | 2.51% | 130.04% |
| 13 | 125.93 | 25.30% | 2.62% | 134.75% |
| 14 | 128.13 | 27.49% | 2.73% | 139.26% |
| 15 | 130.37 | 29.72% | 2.85% | 143.66% |
不同折扣IRR整理:
| FB: 儲蓄保險王.正義真話侠 | |||
| 門檻 | 15萬 | 3.5萬 | |
| 折扣 | 0.5% | 0.3% | 0% |
| 年 | IRR | IRR | IRR |
| 1 | -4.93% | -5.12% | -5.41% |
| 2 | -0.01% | -0.11% | -0.26% |
| 3 | 1.99% | 1.93% | 1.82% |
| 4 | 2.74% | 2.69% | 2.61% |
| 5 | 3.00% | 2.96% | 2.90% |
| 6 | 3.32% | 3.29% | 3.24% |
| 7 | 3.42% | 3.39% | 3.34% |
| 8 | 3.49% | 3.47% | 3.43% |
| 9 | 3.55% | 3.53% | 3.49% |
| 10 | 3.60% | 3.57% | 3.54% |
| 11 | 3.63% | 3.61% | 3.59% |
| 12 | 3.66% | 3.65% | 3.62% |
| 13 | 3.69% | 3.68% | 3.65% |
| 14 | 3.71% | 3.70% | 3.68% |
| 15 | 3.73% | 3.72% | 3.70% |
相關連結:
儲蓄保險王Line: @wvr5039s
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