中國人壽美鑫利率變動型終身壽險IRR分析 (2019/4月宣告利率3.7%)
新光美旺福利率變動型終身壽險 (19/4月宣告利率3.7%)
中壽,新光纏鬥已久
如今宣告利率也都一同降為3.7%
美鑫PK美旺福
究竟會鹿死誰手?
同取一般人較有可能達到的
0.3%折扣(3.5萬美金)比較
| 儲蓄保險王 | 中壽(A) | 新光(B) | 美鑫 |
| @wvr5039s | 美鑫(0.3%) | 美旺福(0.3%) | 勝出 |
| 年 | IRR | IRR | (A-B) |
| 1 | -19.96% | -5.38% | -14.58% |
| 2 | 0.19% | -0.38% | 0.5732% |
| 3 | 1.77% | 1.65% | 0.1138% |
| 4 | 2.41% | 2.42% | -0.0105% |
| 5 | 2.67% | 2.68% | -0.0087% |
| 6 | 3.01% | 3.01% | -0.0067% |
| 7 | 3.11% | 3.12% | -0.0050% |
| 8 | 3.19% | 3.19% | -0.0044% |
| 9 | 3.25% | 3.25% | -0.0038% |
| 10 | 3.30% | 3.30% | -0.0027% |
| 11 | 3.34% | 3.34% | -0.0032% |
| 12 | 3.37% | 3.37% | -0.0028% |
| 13 | 3.40% | 3.40% | -0.0028% |
| 14 | 3.42% | 3.42% | -0.0025% |
| 15 | 3.44% | 3.45% | -0.0022% |
| 16 | 3.46% | 3.46% | -0.0022% |
| 17 | 3.48% | 3.48% | -0.0024% |
| 18 | 3.49% | 3.49% | -0.0019% |
| 19 | 3.50% | 3.51% | -0.0019% |
| 20 | 3.52% | 3.52% | -0.0018% |
PK結果出爐
2,3年IRR由美鑫勝出
其他皆由美旺福勝出
但差異在小數點下3位了
基本上仍是旗鼓相當
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