美金躉繳儲蓄險富邦人壽美滿富貴(FIX)外幣利率變動型增額終身壽險IRR分析(宣告利率3.65%)

by 儲蓄保險王 · 2019-05-18

建議書由保經業務員提供,

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1.5萬~2.5萬: 0.1%折扣 (約47萬台幣)

保額2.5萬以上: 0.2%折扣 (約78萬台幣)

保費接近保額

不會太難達到最高的0.2%折扣

增值回饋金的使用方式為

購買繳清保額

富邦人壽的DM:

商品特色

享方便-一次繳費，滿足終身美元資產規劃及配置需求
享滿足-有機會享有增值回饋分享金轉增購保額，保障多多
享安心-身故或完全失能保險金可選擇分期給付，安心照顧家人

投保規則

繳費年期：躉繳
繳別：躉繳

保障內容

保障年期 : 終身
幣別 : 美元

宣告利率最高時有

3.97% (2019/1月)

今年四月時,因金管會干預

各家保險公司皆調降宣告利率

目前宣告利率3.65%

本文IRR以宣告利率維持3.65%不變計算

IRR(內部報酬率)

時間單位不一定要用”年”

只是最常使用“年”

若以年為單位

就是可以跟定存比較利率的“年化複利”

計算方式可以看以下幾篇文章:

儲蓄險或躉繳利變年金險解約金(IRR)算法

IRR(內部報酬率):計算六年IRR,為何要將六年末解約金放在現金流的第”七”欄位

躉繳儲蓄險IRR算法

內部報酬率(IRR)概念:你是糊塗的工頭嗎?

解約金應該要計算年度末+1天

或次年度初

才比年度末合理,

原因可以看以下文章:

利變年金險的提前解約費用

利變年金險的提前解約費用(續) & 可悲的台灣教育

但富邦僅有提供年度末解約金

只能當富邦自婊

六年內IRR算出來的結果

會比其他保險公司吃虧

這張富邦人壽美滿富貴(FIX)

跟自家的美利富貴(FIA)有何差別呢?

其實還真沒什麼差

連折扣門檻都非常接近

比較明顯的差別在首兩年的負報酬

美利富貴(FIA)虧損較少

不過這純屬”奇摩子”問題

先將不同折扣IRR統整在前:

儲蓄保險王富邦人壽美滿富貴 (FIX) 富邦人壽美利富貴 (FIA)

台幣保費門檻 78萬 47萬　 78萬 52萬　

折扣: 0.2% 0.1% 0% 0.3% 0.2% 0%

年 IRR IRR IRR IRR IRR IRR

1 -24.85% -24.93% -25.00% -6.39% -6.48% -6.67%

2 -11.46% -11.51% -11.55% -0.67% -0.72% -0.82%

3 1.22% 1.19% 1.16% 1.28% 1.24% 1.18%

4 2.18% 2.15% 2.12% 2.19% 2.17% 2.12%

5 2.60% 2.58% 2.56% 2.61% 2.59% 2.55%

6 2.84% 2.82% 2.80% 2.82% 2.80% 2.76%

7 3.09% 3.07% 3.06% 3.07% 3.06% 3.03%

8 3.16% 3.15% 3.14% 3.15% 3.13% 3.11%

9 3.22% 3.21% 3.20% 3.21% 3.19% 3.17%

10 3.27% 3.26% 3.25% 3.25% 3.24% 3.22%

11 3.31% 3.30% 3.29% 3.29% 3.28% 3.27%

12 3.34% 3.33% 3.32% 3.33% 3.32% 3.30%

13 3.36% 3.36% 3.35% 3.35% 3.34% 3.33%

14 3.39% 3.38% 3.37% 3.38% 3.37% 3.35%

15 3.41% 3.40% 3.39% 3.40% 3.39% 3.38%

16 3.42% 3.42% 3.41% 3.41% 3.41% 3.40%

17 3.44% 3.43% 3.43% 3.43% 3.43% 3.41%

18 3.45% 3.45% 3.44% 3.44% 3.44% 3.43%

19 3.47% 3.46% 3.46% 3.46% 3.45% 3.44%

20 3.48% 3.47% 3.47% 3.47% 3.46% 3.45%

首兩年虧損負報酬

三年IRR約同台幣定存

四年IRR約同美金定存

0.2%折扣 (78萬台幣保費):

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 23932 折扣美滿富貴 2% 賴: @wvr5039s

3.65% 實繳保費 23884 0.2% 解約金定存美金儲蓄險勝出

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 17948 -24.85% -24.85% 　 2.00% 　　

2 18723 -11.46% -21.61% 　 4.04% 　　

3 24771 1.22% 3.71% 　 6.12% 　　

4 26031 2.18% 8.99% 5.09% 8.24% 0.19% 9.04%

5 27151 2.60% 13.68% 4.30% 10.41% 0.65% 31.42%

6 28246 2.84% 18.26% 4.03% 12.62% 0.94% 44.75%

7 29552 3.09% 23.73% 4.62% 14.87% 1.27% 59.60%

8 30643 3.16% 28.30% 3.69% 17.17% 1.39% 64.85%

9 31771 3.22% 33.02% 3.68% 19.51% 1.50% 69.26%

10 32944 3.27% 37.93% 3.69% 21.90% 1.60% 73.21%

11 34159 3.31% 43.02% 3.69% 24.34% 1.70% 76.76%

12 35417 3.34% 48.29% 3.68% 26.82% 1.79% 80.01%

13 36724 3.36% 53.76% 3.69% 29.36% 1.88% 83.10%

14 38077 3.39% 59.42% 3.68% 31.95% 1.96% 86.00%

15 39478 3.41% 65.29% 3.68% 34.59% 2.05% 88.77%

16 40937 3.42% 71.40% 3.70% 37.28% 2.13% 91.53%

17 42447 3.44% 77.72% 3.69% 40.02% 2.22% 94.18%

18 44009 3.45% 84.26% 3.68% 42.82% 2.30% 96.76%

19 45633 3.47% 91.06% 3.69% 45.68% 2.39% 99.34%

20 47313 3.48% 98.09% 3.68% 48.59% 2.47% 101.86%

首兩年虧損負報酬

三年IRR 1.22%約同台幣定存

四年IRR 2.18%約同美金定存

3 -> 4年,解約金增加率5.09%

五年IRR 2.6%

4 -> 5年,解約金增加率4.3%

較長期的解約金增加率~3.7%

20年IRR 3.48%

跟定存相對利差102%,

也就是利息是定存的2倍

總報酬率98%,接近資產翻倍

0.1%折扣(47萬台幣保費)

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 23932 折扣美滿富貴 2% 賴: @wvr5039s

3.65% 實繳保費 23908 0.1% 解約金定存美金儲蓄險勝出

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 17948 -24.93% -24.93% 　 2.00% 　　

2 18723 -11.51% -21.69% 　 4.04% 　　

3 24771 1.19% 3.61% 　 6.12% 　　

4 26031 2.15% 8.88% 5.09% 8.24% 0.16% 7.72%

5 27151 2.58% 13.56% 4.30% 10.41% 0.63% 30.32%

6 28246 2.82% 18.14% 4.03% 12.62% 0.92% 43.82%

7 29552 3.07% 23.61% 4.62% 14.87% 1.25% 58.77%

8 30643 3.15% 28.17% 3.69% 17.17% 1.38% 64.10%

9 31771 3.21% 32.89% 3.68% 19.51% 1.49% 68.58%

10 32944 3.26% 37.79% 3.69% 21.90% 1.59% 72.58%

11 34159 3.30% 42.88% 3.69% 24.34% 1.69% 76.17%

12 35417 3.33% 48.14% 3.68% 26.82% 1.78% 79.46%

13 36724 3.36% 53.61% 3.69% 29.36% 1.86% 82.57%

14 38077 3.38% 59.26% 3.68% 31.95% 1.95% 85.50%

15 39478 3.40% 65.12% 3.68% 34.59% 2.04% 88.29%

16 40937 3.42% 71.23% 3.70% 37.28% 2.12% 91.07%

17 42447 3.43% 77.54% 3.69% 40.02% 2.21% 93.74%

18 44009 3.45% 84.08% 3.68% 42.82% 2.29% 96.33%

19 45633 3.46% 90.87% 3.69% 45.68% 2.38% 98.92%

20 47313 3.47% 97.90% 3.68% 48.59% 2.47% 101.45%

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 23932 折扣美滿富貴 2% 賴: @wvr5039s

3.65% 實繳保費 23932 0.0% 解約金定存美金儲蓄險勝出

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 17948 -25.00% -25.00% 　 2.00% 　　

2 18723 -11.55% -21.77% 　 4.04% 　　

3 24771 1.16% 3.51% 　 6.12% 　　

4 26031 2.12% 8.77% 5.09% 8.24% 0.13% 6.40%

5 27151 2.56% 13.45% 4.30% 10.41% 0.61% 29.23%

6 28246 2.80% 18.03% 4.03% 12.62% 0.90% 42.88%

7 29552 3.06% 23.48% 4.62% 14.87% 1.23% 57.94%

8 30643 3.14% 28.04% 3.69% 17.17% 1.36% 63.36%

9 31771 3.20% 32.76% 3.68% 19.51% 1.47% 67.90%

10 32944 3.25% 37.66% 3.69% 21.90% 1.58% 71.95%

11 34159 3.29% 42.73% 3.69% 24.34% 1.67% 75.59%

12 35417 3.32% 47.99% 3.68% 26.82% 1.76% 78.91%

13 36724 3.35% 53.45% 3.69% 29.36% 1.85% 82.05%

14 38077 3.37% 59.10% 3.68% 31.95% 1.94% 85.00%

15 39478 3.39% 64.96% 3.68% 34.59% 2.02% 87.81%

16 40937 3.41% 71.06% 3.70% 37.28% 2.11% 90.61%

17 42447 3.43% 77.37% 3.69% 40.02% 2.20% 93.30%

18 44009 3.44% 83.89% 3.68% 42.82% 2.28% 95.90%

19 45633 3.46% 90.68% 3.69% 45.68% 2.37% 98.50%

20 47313 3.47% 97.70% 3.68% 48.59% 2.46% 101.05%