槓桿投資中國人壽美鑫(APEUPL)外幣利率變動型終身壽險

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首集的槓桿投資新光美旺福

以利率2.5%的本息平均攤提信貸為例

七年期信貸每萬元月付15元利息

(加賴: @wvr5039s,傳訊1,會回覆相關資料)

則說明2%以下的信貸並非憑空想像

甚至軍公教都還可以借1.6%的信貸

 

美鑫則是中國人壽今年一月新推出的商品

中壽美鑫跟新光美旺福比起來

可以說是旗鼓相當,難分軒輊

 

本篇要用更低的2%信貸利率計算

槓桿投資中國人壽美鑫(0.3%折扣)的結果

貸款試算參考三信商銀網站

貸款: 1000000 (100萬)

利率: 2%

期數: 84個月 (7年)

月付本息=12768

相當於年付本息15.3216萬

以下很可怕!不要問!不解釋!

連我自己都不知道在算什麼 XD

欲索取槓桿投資的原始Excel檔

請加賴: @wvr5039s,傳訊1

 

 @wvr5039s FB: 儲蓄保險王 賴:   @wvr5039s  
本金: 100 匯率: 30.7 貸款利率: 2.00% 虧損
匯率
美鑫IRR 解約金 貸款餘額 解約金-餘額
36 3 2.0700% 106.3394 58.8474 47.4920 30.26
48 4 2.7118% 111.2964 44.5724 66.7240 29.20
60 5 2.9784% 115.8062 30.0094 85.7968 28.26
72 6 3.3099% 121.5768 15.1523 106.4245 27.04
84 7 3.4142% 126.4913 0 126.4913 26.03
96 8 3.4924% 131.6032 0 131.6032 25.02
108 9 3.5530% 136.9192 0 136.9192 24.05
120 10 3.6022% 142.4591 0 142.4591 23.11
132 11 3.6414% 148.2058 0 148.2058 22.22
144 12 3.6745% 154.1931 0 154.1931 21.35
156 13 3.7023% 160.4156 0 160.4156 20.53
168 14 3.7264% 166.8974 0 166.8974 19.73
180 15 3.7475% 173.6464 0 173.6464 18.96
192 16 3.7657% 180.6599 0 180.6599 18.23
204 17 3.7815% 187.9473 0 187.9473 17.52
216 18 3.7960% 195.5470 0 195.5470 16.84
228 19 3.8087% 203.4426 0 203.4426 16.18
240 20 3.8202% 211.6578 0 211.6578 15.56

 

統整在前:

FB: 儲蓄保險王  @wvr5039s
IRR 總報酬率
3 1.64% 3.32%
4 3.43% 8.87%
5 3.80% 11.99%
6 4.20% 15.77%
7 4.13% 17.94%
8 4.11% 22.71%
9 4.10% 27.66%
10 4.09% 32.83%
11 4.08% 38.19%
12 4.08% 43.77%
13 4.07% 49.57%
14 4.07% 55.61%
15 4.07% 61.91%
16 4.07% 68.45%
17 4.06% 75.24%
18 4.06% 82.33%
19 4.06% 89.69%
20 4.06% 97.35%

現金流排列在後: 

FB: 儲蓄保險王 賴:   @wvr5039s 儲蓄保險王
0 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
1 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
2 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
3 47.4920 -15.3216 -15.3216 -15.3216 -15.3216
4   66.7240 -15.3216 -15.3216 -15.3216
5     85.7968 -15.3216 -15.3216
6       106.4245 -15.3216
7         126.4913
IRR 1.64% 3.43% 3.80% 4.20% 4.13%
3 4 5 6 7
總本金 45.9648 61.2864 76.6080 91.9296 107.2512
總利息 1.5272 5.4376 9.1888 14.4949 19.2401
總報酬率 3.32% 8.87% 11.99% 15.77% 17.94%

 

儲蓄保險王 賴:   @wvr5039s
0 -15.3216 -15.3216 -15.3216
1 -15.3216 -15.3216 -15.3216
2 -15.3216 -15.3216 -15.3216
3 -15.3216 -15.3216 -15.3216
4 -15.3216 -15.3216 -15.3216
5 -15.3216 -15.3216 -15.3216
6 -15.3216 -15.3216 -15.3216
7 0 0 0
8 131.6032 0 0
9   136.9192 0
10     142.4591
IRR 4.11% 4.10% 4.09%
8 9 10
總本金 107.2512 107.2512 107.2512
總利息 24.3520 29.6680 35.2079
總報酬率 22.71% 27.66% 32.83%

 

FB: 儲蓄保險王 賴:   @wvr5039s 儲蓄保險王
0 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
1 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
2 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
3 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
4 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
5 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
6 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
7 0 0 0 0 0
8 0 0 0 0 0
9 0 0 0 0 0
10 0 0 0 0 0
11 148.2058 0 0 0 0
12   154.1931 0 0 0
13     160.4156 0 0
14       166.8974 0
15         173.6464
IRR 4.08% 4.08% 4.07% 4.07% 4.07%
11 12 13 14 15
總本金 107.2512 107.2512 107.2512 107.2512 107.2512
總利息 40.9546 46.9419 53.1644 59.6462 66.3952
總報酬率 38.19% 43.77% 49.57% 55.61% 61.91%

 

FB: 儲蓄保險王 賴:   @wvr5039s 儲蓄保險王
0 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
1 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
2 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
3 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
4 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
5 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
6 -15.3216 -15.3216 -15.3216 -15.3216 -15.3216
7 0 0 0 0 0
8 0 0 0 0 0
9 0 0 0 0 0
10 0 0 0 0 0
11 0 0 0 0 0
12 0 0 0 0 0
13 0 0 0 0 0
14 0 0 0 0 0
15 0 0 0 0 0
16 180.6599 0 0 0 0
17   187.9473 0 0 0
18     195.5470 0 0
19       203.4426 0
20         211.6578
IRR 4.07% 4.06% 4.06% 4.06% 4.06%
16 17 18 19 20
總本金 107.2512 107.2512 107.2512 107.2512 107.2512
總利息 73.4087 80.6961 88.2958 96.1914 104.4066
總報酬率 68.45% 75.24% 82.33% 89.69% 97.35%

 

欲索取槓桿投資的原始Excel檔

請加賴: @wvr5039s,傳訊1

 

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儲蓄保險王

儲蓄險是板主最喜愛的儲蓄工具,最喜愛的投資理財工具則是ETF,最喜愛的省錢工具則是信用卡

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