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若需推薦,請至儲蓄保險王粉絲團私訊
看完建議書再看高保額折扣
保額6萬美金以上: 0.3%
(保費2.5萬美金~78 萬NTD)
保額4~6萬美金: 0.2%
(保費1.67萬美金~52萬NTD)
保額1~4萬美金: 0%
以上建議書為6萬保額
保費約2.5萬美金,
折合台幣約78萬
享有最高的0.3%折扣
首次撰文富邦美利富貴是2018/1月
當時的宣告利率3.83%
本篇要用最新的宣告利率3.65%重新計算IRR
美金定存以2%為例
先統整美利富貴不同折扣IRR:
儲蓄保險王 賴: @wvr5039s 儲蓄保險王 台幣保費門檻 78萬 52萬 折扣: 0.3% 0.2% 0% 年 IRR IRR IRR 1 -6.39% -6.48% -6.67% 2 -0.67% -0.72% -0.82% 3 1.28% 1.24% 1.18% 4 2.19% 2.17% 2.12% 5 2.61% 2.59% 2.55% 6 2.82% 2.80% 2.76% 7 3.07% 3.06% 3.03% 8 3.15% 3.13% 3.11% 9 3.21% 3.19% 3.17% 10 3.25% 3.24% 3.22% 11 3.29% 3.28% 3.27% 12 3.33% 3.32% 3.30% 13 3.35% 3.34% 3.33% 14 3.38% 3.37% 3.35% 15 3.40% 3.39% 3.38% 16 3.41% 3.41% 3.40% 17 3.43% 3.43% 3.41% 18 3.44% 3.44% 3.43% 19 3.46% 3.45% 3.44% 20 3.47% 3.46% 3.45%
0.3%折扣:
FB: 儲蓄保險王 賴: @wvr5039s 儲蓄保險王 FB: 儲蓄保險王 宣告 表定保費 25134 折扣 美利富貴 2% 賴: @wvr5039s 3.65% 實繳保費 25059 0.3% 解約金 定存 美利富貴勝出 年 解約金 IRR 總報酬率 增加率 總報酬率 絕對利差 相對利差 1 23458 -6.39% -6.39% 2.00% 2 24722 -0.67% -1.34% 4.04% 3 26031 1.28% 3.88% 6.12% 4 27332 2.19% 9.07% 5.00% 8.24% 0.21% 10.06% 5 28507 2.61% 13.76% 4.30% 10.41% 0.67% 32.22% 6 29602 2.82% 18.13% 3.84% 12.62% 0.92% 43.71% 7 30968 3.07% 23.58% 4.61% 14.87% 1.24% 58.61% 8 32109 3.15% 28.14% 3.68% 17.17% 1.37% 63.90% 9 33288 3.21% 32.84% 3.67% 19.51% 1.48% 68.33% 10 34516 3.25% 37.74% 3.69% 21.90% 1.58% 72.34% 11 35792 3.29% 42.83% 3.70% 24.34% 1.68% 76.00% 12 37105 3.33% 48.07% 3.67% 26.82% 1.77% 79.21% 13 38471 3.35% 53.52% 3.68% 29.36% 1.86% 82.30% 14 39891 3.38% 59.19% 3.69% 31.95% 1.95% 85.27% 15 41358 3.40% 65.05% 3.68% 34.59% 2.03% 88.06% 16 42883 3.41% 71.13% 3.69% 37.28% 2.12% 90.81% 17 44467 3.43% 77.45% 3.69% 40.02% 2.20% 93.51% 18 46096 3.44% 83.95% 3.66% 42.82% 2.28% 96.04% 19 47797 3.46% 90.74% 3.69% 45.68% 2.37% 98.64% 20 49555 3.47% 97.76% 3.68% 48.59% 2.46% 101.17%
兩年內解約為虧損負報酬
三年IRR=1.28%
三年後解約金年增加率3.7%~5%
說明升息升破儲蓄險利率的荒謬
六年IRR=2.8%,
跟美金定存(2%)相對利差44%
6->7年,多一年而已
IRR從2.8%跳升到3.1%
相對利差從44%跳升到59%
解約金年增加率為4.6%
七年後解約金年增加率約3.7%
20年IRR=3.5%
相對利差101%
也就是儲蓄險的利息為定存的2倍
0.2%折扣:
FB: 儲蓄保險王 賴: @wvr5039s 儲蓄保險王 FB: 儲蓄保險王 宣告 表定保費 25134 折扣 美利富貴 2% 賴: @wvr5039s 3.65% 實繳保費 25084 0.2% 解約金 定存 新光美旺福勝出 年 解約金 IRR 總報酬率 增加率 總報酬率 絕對利差 相對利差 1 23458 -6.48% -6.48% 2.00% 2 24722 -0.72% -1.44% 4.04% 3 26031 1.24% 3.78% 6.12% 4 27332 2.17% 8.96% 5.00% 8.24% 0.18% 8.73% 5 28507 2.59% 13.65% 4.30% 10.41% 0.65% 31.12% 6 29602 2.80% 18.01% 3.84% 12.62% 0.90% 42.77% 7 30968 3.06% 23.46% 4.61% 14.87% 1.23% 57.77% 8 32109 3.13% 28.01% 3.68% 17.17% 1.36% 63.16% 9 33288 3.19% 32.71% 3.67% 19.51% 1.47% 67.65% 10 34516 3.24% 37.60% 3.69% 21.90% 1.57% 71.71% 11 35792 3.28% 42.69% 3.70% 24.34% 1.67% 75.41% 12 37105 3.32% 47.92% 3.67% 26.82% 1.76% 78.66% 13 38471 3.34% 53.37% 3.68% 29.36% 1.85% 81.77% 14 39891 3.37% 59.03% 3.69% 31.95% 1.93% 84.77% 15 41358 3.39% 64.88% 3.68% 34.59% 2.02% 87.59% 16 42883 3.41% 70.96% 3.69% 37.28% 2.11% 90.35% 17 44467 3.43% 77.27% 3.69% 40.02% 2.19% 93.07% 18 46096 3.44% 83.77% 3.66% 42.82% 2.27% 95.61% 19 47797 3.45% 90.55% 3.69% 45.68% 2.36% 98.22% 20 49555 3.46% 97.56% 3.68% 48.59% 2.45% 100.76%
0%折扣:
FB: 儲蓄保險王 賴: @wvr5039s 儲蓄保險王 FB: 儲蓄保險王 宣告 表定保費 25134 折扣 美利富貴 2% 賴: @wvr5039s 3.65% 實繳保費 25134 0.0% 解約金 定存 新光美旺福勝出 年 解約金 IRR 總報酬率 增加率 總報酬率 絕對利差 相對利差 1 23458 -6.67% -6.67% 2.00% 2 24722 -0.82% -1.64% 4.04% 3 26031 1.18% 3.57% 6.12% 4 27332 2.12% 8.75% 5.00% 8.24% 0.13% 6.09% 5 28507 2.55% 13.42% 4.30% 10.41% 0.60% 28.94% 6 29602 2.76% 17.78% 3.84% 12.62% 0.86% 40.90% 7 30968 3.03% 23.21% 4.61% 14.87% 1.19% 56.11% 8 32109 3.11% 27.75% 3.68% 17.17% 1.32% 61.66% 9 33288 3.17% 32.44% 3.67% 19.51% 1.44% 66.29% 10 34516 3.22% 37.33% 3.69% 21.90% 1.54% 70.45% 11 35792 3.27% 42.40% 3.70% 24.34% 1.64% 74.24% 12 37105 3.30% 47.63% 3.67% 26.82% 1.73% 77.56% 13 38471 3.33% 53.06% 3.68% 29.36% 1.82% 80.73% 14 39891 3.35% 58.71% 3.69% 31.95% 1.91% 83.78% 15 41358 3.38% 64.55% 3.68% 34.59% 2.00% 86.63% 16 42883 3.40% 70.62% 3.69% 37.28% 2.08% 89.43% 17 44467 3.41% 76.92% 3.69% 40.02% 2.17% 92.18% 18 46096 3.43% 83.40% 3.66% 42.82% 2.25% 94.75% 19 47797 3.44% 90.17% 3.69% 45.68% 2.34% 97.39% 20 49555 3.45% 97.16% 3.68% 48.59% 2.43% 99.95%
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