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若需介紹,請至儲蓄保險王粉絲團私訊
看完建議書,看高保額折扣
| 儲蓄保險王 | 保額 (美金) | 折扣 | 台幣保費 |
| 中國人壽 美鑫 |
1.5萬~6.5萬 | 0.3% | 47萬 |
| 6.5萬~15萬 | 0.5% | 202萬 | |
| >15萬 | 0.6% | 465萬 |
每萬保額保費: 9680
只要台幣47萬就能取得0.3%折扣
今年1月是各大壽險公司
宣告利率大亂鬥的一個月
美鑫外幣利率變動型終身壽險
就是中國人壽於1月推出的新保單
直接打出4%宣告利率
而舊產品美晶利率變動型終身壽險
一月維持宣告利率3.87%不變
連舊保戶都一起照顧到,更顯誠意
但我們都知道,
宣告利率 =/= 實質利率IRR
美鑫的4%宣告利率
會不會中看不中用?
讓我們繼續看下去
以星展星禧數位銀行美金2%活存為比較對象
3/31以前完成四大任務
即可獲得1000元,
優惠不錯,敬請把握機會
0.6%折扣(15萬美金~465萬台幣):
FB: 儲蓄保險王 Line: @wvr5039s 儲蓄保險王 @wvr5039s 儲蓄保險王 宣告 表定保費 150905 折扣 解約金
增加率2.00% 相對利差
美鑫勝出4% 實繳保費 150000 0.6% 定存 年 解約金 IRR 總報酬率 總報酬率 1 120862 -19.43% -19.43% 2.00% 2 151948 0.6474% 1.30% 4.04% 3 159990 2.1726% 6.66% 5.29% 6.12% 4 167448 2.7892% 11.63% 4.66% 8.24% 41.11% 5 174233 3.0405% 16.16% 4.05% 10.41% 55.22% 6 182915 3.3618% 21.94% 4.98% 12.62% 73.93% 7 190309 3.4587% 26.87% 4.04% 14.87% 80.74% 8 198000 3.5314% 32.00% 4.04% 17.17% 86.42% 9 205998 3.5877% 37.33% 4.04% 19.51% 91.36% 10 214333 3.6334% 42.89% 4.05% 21.90% 95.85% 11 222979 3.6698% 48.65% 4.03% 24.34% 99.91% 12 231987 3.7006% 54.66% 4.04% 26.82% 103.77% 13 241349 3.7263% 60.90% 4.04% 29.36% 107.42% 14 251101 3.7487% 67.40% 4.04% 31.95% 110.97% 15 261255 3.7684% 74.17% 4.04% 34.59% 114.45% 16 271807 3.7853% 81.21% 4.04% 37.28% 117.83% 17 282771 3.7999% 88.51% 4.03% 40.02% 121.15% 18 294205 3.8134% 96.14% 4.04% 42.82% 124.49% 19 306084 3.8252% 104.06% 4.04% 45.68% 127.79% 20 318444 3.8358% 112.30% 4.04% 48.59% 131.09%
承襲舊產品美晶利率變動型終身壽險的特色
美鑫也是短短兩年就保本,IRR=0.65%
三年IRR 2.17%跟美金定存相當
五年IRR 3.04%,相對利差勝出定存55%
只多一年而已,六年IRR就跳升到3.36%,
解約金增加率4.98%
相對利差勝出定存74%
七年以後,解約金增加率4%
十年總報酬率43%,相對利差96%
也就是利息快定存的2倍
19年總報酬率104%,資產翻倍
看來宣告利率4%不是紙老虎
不同高保額折扣IRR統整在前:
| FB: 儲蓄保險王 | 賴: @wvr5039s | 儲蓄保險王 | ||
| 折扣: | 0.6% | 0.5% | 0.3% | 0.0% |
| 年 | >15萬 | 6.5~15萬 | 1.5~6.5萬 | <1.5萬 |
| 465萬台幣 | 202萬台幣 | 47萬台幣 | ||
| 1 | -19.43% | -19.51% | -19.67% | -19.91% |
| 2 | 0.6474% | 0.5968% | 0.4958% | 0.3450% |
| 3 | 2.1726% | 2.1383% | 2.0700% | 1.9678% |
| 4 | 2.7892% | 2.7634% | 2.7118% | 2.6347% |
| 5 | 3.0405% | 3.0198% | 2.9784% | 2.9166% |
| 6 | 3.3618% | 3.3444% | 3.3099% | 3.2581% |
| 7 | 3.4587% | 3.4438% | 3.4142% | 3.3698% |
| 8 | 3.5314% | 3.5183% | 3.4924% | 3.4535% |
| 9 | 3.5877% | 3.5761% | 3.5530% | 3.5184% |
| 10 | 3.6334% | 3.6230% | 3.6022% | 3.5711% |
| 11 | 3.6698% | 3.6603% | 3.6414% | 3.6131% |
| 12 | 3.7006% | 3.6919% | 3.6745% | 3.6486% |
| 13 | 3.7263% | 3.7183% | 3.7023% | 3.6783% |
| 14 | 3.7487% | 3.7413% | 3.7264% | 3.7041% |
| 15 | 3.7684% | 3.7614% | 3.7475% | 3.7267% |
| 16 | 3.7853% | 3.7787% | 3.7657% | 3.7462% |
| 17 | 3.7999% | 3.7937% | 3.7815% | 3.7631% |
| 18 | 3.8134% | 3.8076% | 3.7960% | 3.7787% |
| 19 | 3.8252% | 3.8197% | 3.8087% | 3.7923% |
| 20 | 3.8358% | 3.8306% | 3.8202% | 3.8046% |
0.5%折扣 (6.5萬美金~202萬台幣):
FB: 儲蓄保險王 Line: @wvr5039s 儲蓄保險王 @wvr5039s 儲蓄保險王 宣告 表定保費 150905 折扣 解約金
增加率2.00% 相對利差
美鑫勝出4% 實繳保費 150150 0.5% 定存 年 解約金 IRR 總報酬率 總報酬率 1 120862 -19.51% -19.51% 2.00% 2 151948 0.5968% 1.20% 4.04% 3 159990 2.1383% 6.55% 5.29% 6.12% 4 167448 2.7634% 11.52% 4.66% 8.24% 39.75% 5 174233 3.0198% 16.04% 4.05% 10.41% 54.10% 6 182915 3.3444% 21.82% 4.98% 12.62% 72.96% 7 190309 3.4438% 26.75% 4.04% 14.87% 79.88% 8 198000 3.5183% 31.87% 4.04% 17.17% 85.65% 9 205998 3.5761% 37.19% 4.04% 19.51% 90.65% 10 214333 3.6230% 42.75% 4.05% 21.90% 95.19% 11 222979 3.6603% 48.50% 4.03% 24.34% 99.30% 12 231987 3.6919% 54.50% 4.04% 26.82% 103.19% 13 241349 3.7183% 60.74% 4.04% 29.36% 106.87% 14 251101 3.7413% 67.23% 4.04% 31.95% 110.45% 15 261255 3.7614% 74.00% 4.04% 34.59% 113.94% 16 271807 3.7787% 81.02% 4.04% 37.28% 117.34% 17 282771 3.7937% 88.33% 4.03% 40.02% 120.68% 18 294205 3.8076% 95.94% 4.04% 42.82% 124.03% 19 306084 3.8197% 103.85% 4.04% 45.68% 127.34% 20 318444 3.8306% 112.08% 4.04% 48.59% 130.65%
0.3%折扣(1.5萬美金~47萬台幣):
FB: 儲蓄保險王 Line: @wvr5039s 儲蓄保險王 @wvr5039s 儲蓄保險王 宣告 表定保費 150905 折扣 解約金
增加率2.00% 相對利差
美鑫勝出4% 實繳保費 150452 0.3% 定存 年 解約金 IRR 總報酬率 總報酬率 1 120862 -19.67% -19.67% 2.00% 2 151948 0.4958% 0.99% 4.04% 3 159990 2.0700% 6.34% 5.29% 6.12% 4 167448 2.7118% 11.30% 4.66% 8.24% 37.04% 5 174233 2.9784% 15.81% 4.05% 10.41% 51.86% 6 182915 3.3099% 21.58% 4.98% 12.62% 71.02% 7 190309 3.4142% 26.49% 4.04% 14.87% 78.17% 8 198000 3.4924% 31.60% 4.04% 17.17% 84.10% 9 205998 3.5530% 36.92% 4.04% 19.51% 89.24% 10 214333 3.6022% 42.46% 4.05% 21.90% 93.88% 11 222979 3.6414% 48.21% 4.03% 24.34% 98.07% 12 231987 3.6745% 54.19% 4.04% 26.82% 102.03% 13 241349 3.7023% 60.42% 4.04% 29.36% 105.77% 14 251101 3.7264% 66.90% 4.04% 31.95% 109.40% 15 261255 3.7475% 73.65% 4.04% 34.59% 112.93% 16 271807 3.7657% 80.66% 4.04% 37.28% 116.37% 17 282771 3.7815% 87.95% 4.03% 40.02% 119.74% 18 294205 3.7960% 95.55% 4.04% 42.82% 123.11% 19 306084 3.8087% 103.44% 4.04% 45.68% 126.44% 20 318444 3.8202% 111.66% 4.04% 48.59% 129.77%
0%折扣:
FB: 儲蓄保險王 Line: @wvr5039s 儲蓄保險王 @wvr5039s 儲蓄保險王 宣告 表定保費 150905 折扣 解約金
增加率2.00% 相對利差
美鑫勝出4% 實繳保費 150905 0.0% 定存 年 解約金 IRR 總報酬率 總報酬率 1 120862 -19.91% -19.91% 2.00% 2 151948 0.3450% 0.69% 4.04% 3 159990 1.9678% 6.02% 5.29% 6.12% 4 167448 2.6347% 10.96% 4.66% 8.24% 32.99% 5 174233 2.9166% 15.46% 4.05% 10.41% 48.53% 6 182915 3.2581% 21.21% 4.98% 12.62% 68.13% 7 190309 3.3698% 26.11% 4.04% 14.87% 75.62% 8 198000 3.4535% 31.21% 4.04% 17.17% 81.80% 9 205998 3.5184% 36.51% 4.04% 19.51% 87.13% 10 214333 3.5711% 42.03% 4.05% 21.90% 91.93% 11 222979 3.6131% 47.76% 4.03% 24.34% 96.25% 12 231987 3.6486% 53.73% 4.04% 26.82% 100.31% 13 241349 3.6783% 59.93% 4.04% 29.36% 104.13% 14 251101 3.7041% 66.40% 4.04% 31.95% 107.83% 15 261255 3.7267% 73.13% 4.04% 34.59% 111.43% 16 271807 3.7462% 80.12% 4.04% 37.28% 114.92% 17 282771 3.7631% 87.38% 4.03% 40.02% 118.33% 18 294205 3.7787% 94.96% 4.04% 42.82% 121.74% 19 306084 3.7923% 102.83% 4.04% 45.68% 125.11% 20 318444 3.8046% 111.02% 4.04% 48.59% 128.47%
美金降息了，跟台幣利差逆轉了，這個IRR不知道有沒有信貸高了。
台幣也降息啊，美金儲蓄險IRR還是高於信貸利率，不過現在沒必要再借錢買儲蓄險