中壽金美滿 FB: 儲蓄保險王 Line: @wvr5039s

本金 100 附加費用 3.00% 宣告利率 2.75%

解約費用年保價金 IRR 解約金 IRR

5.00% 1 99.6675 -0.3325% 95.6808 -4.3192%

4.00% 2 102.4084 1.1970% 99.1825 -0.4096%

3.15% 3 105.2246 1.7121% 103.6988 1.2180%

1.45% 4 108.1183 1.9706% 107.0371 1.7147%

1.00% 5 111.0915 2.1260% 109.9806 1.9209%

1.00% 6 114.1465 2.2297% 114.1465 2.2297%

0% 7 117.2856 2.3039% 117.2856 2.3039%

8 120.5109 2.3595% 120.5109 2.3595%

9 123.8250 2.4028% 123.8250 2.4028%

10 127.2302 2.4375% 127.2302 2.4375%

11 130.7290 2.4659% 130.7290 2.4659%

12 134.3240 2.4895% 134.3240 2.4895%

13 138.0179 2.5095% 138.0179 2.5095%

14 141.8134 2.5267% 141.8134 2.5267%

15 145.7133 2.5416% 145.7133 2.5416%

16 149.7204 2.5546% 149.7204 2.5546%

17 153.8377 2.5661% 153.8377 2.5661%

18 158.0683 2.5763% 158.0683 2.5763%

19 162.4151 2.5854% 162.4151 2.5854%

20 166.8816 2.5936% 166.8816 2.5936%

兩年內解約為虧損

三年IRR 1.22%勝美金定存或

美國政府公債ETF IEI (0.23%)

6年IRR 2.23%

10年IRR 2.44%

長期解約金增加率

會趨近於宣告利率2.75%

這個數字有何意義呢?

請見: 儲蓄險的流動性

台灣銀行3,4月的美金定存利率為0.28%

查詢ETF.com

目前美國政府公債ETF IEI的

殖利率為0.23%

許多投資人不知道

美國政府公債的殖利率

以為隨便都有3%~5%以上

告訴他正確答案後

還不相信這個答案是正確的

未免有人不相信

直接截圖為證:

儲蓄險風雲再起!

中壽金美滿

六年大勝美金定存

相對利差741%

也就是利息是定存的8.41倍

金美滿 Line @wvr5039s FB: 儲蓄保險王 Line: @wvr5039s

100 宣告利率 2.75% 美金定存 0.28% 金美滿勝出

年總報酬率 IRR 本利和總報酬率絕對利差相對利差

1 -4.32% -4.3192% 100.28 0.28% NA NA

2 -0.82% -0.4096% 100.56 0.56% NA NA

3 3.70% 1.2180% 100.84 0.84% 0.95% 340.06%

4 7.04% 1.7147% 101.12 1.12% 1.48% 527.89%

5 9.98% 1.9209% 101.41 1.41% 1.71% 612.34%

6 14.15% 2.2297% 101.69 1.69% 2.08% 741.35%

7 17.29% 2.3039% 101.98 1.98% 2.19% 781.07%

8 20.51% 2.3595% 102.26 2.26% 2.28% 814.68%

9 23.82% 2.4028% 102.55 2.55% 2.36% 844.31%

10 27.23% 2.4375% 102.84 2.84% 2.44% 871.24%

11 30.73% 2.4659% 103.12 3.12% 2.51% 896.28%

12 34.32% 2.4895% 103.41 3.41% 2.58% 919.99%

13 38.02% 2.5095% 103.70 3.70% 2.64% 942.75%

14 41.81% 2.5267% 103.99 3.99% 2.70% 964.83%

15 45.71% 2.5416% 104.28 4.28% 2.76% 986.43%

16 49.72% 2.5546% 104.58 4.58% 2.82% 1007.70%

17 53.84% 2.5661% 104.87 4.87% 2.88% 1028.77%

18 58.07% 2.5763% 105.16 5.16% 2.94% 1049.73%

19 62.42% 2.5854% 105.46 5.46% 3.00% 1070.66%

20 66.88% 2.5936% 105.75 5.75% 3.06% 1091.61%

儲蓄險風雲再起!

中壽金美滿

六年大勝美國政府公債ETF IEI

相對利差925%

也就是利息是IEI的10.25倍

這簡直就是瘋狂大屠殺

金美滿 Line @wvr5039s FB: 儲蓄保險王 Line: @wvr5039s

100 宣告利率 2.75% IEI 0.23% 金美滿勝出

年總報酬率 IRR 本利和總報酬率絕對利差相對利差

1 -4.32% -4.3192% 100.23 0.23% NA NA

2 -0.82% -0.4096% 100.46 0.46% NA NA

3 3.70% 1.2180% 100.69 0.69% 1.00% 435.83%

4 7.04% 1.7147% 100.92 0.92% 1.53% 664.55%

5 9.98% 1.9209% 101.16 1.16% 1.77% 767.42%

6 14.15% 2.2297% 101.39 1.39% 2.13% 924.53%

7 17.29% 2.3039% 101.62 1.62% 2.24% 972.94%

8 20.51% 2.3595% 101.85 1.85% 2.33% 1013.91%

9 23.82% 2.4028% 102.09 2.09% 2.42% 1050.04%

10 27.23% 2.4375% 102.32 2.32% 2.49% 1082.88%

11 30.73% 2.4659% 102.56 2.56% 2.56% 1113.43%

12 34.32% 2.4895% 102.80 2.80% 2.63% 1142.35%

13 38.02% 2.5095% 103.03 3.03% 2.69% 1170.11%

14 41.81% 2.5267% 103.27 3.27% 2.75% 1197.04%

15 45.71% 2.5416% 103.51 3.51% 2.81% 1223.40%

16 49.72% 2.5546% 103.74 3.74% 2.87% 1249.35%

17 53.84% 2.5661% 103.98 3.98% 2.93% 1275.06%

18 58.07% 2.5763% 104.22 4.22% 2.99% 1300.64%

19 62.42% 2.5854% 104.46 4.46% 3.05% 1326.17%

20 66.88% 2.5936% 104.70 4.70% 3.11% 1351.73%