新光美旺福利率變動型終身壽險IRR分析(19/4月宣告利率3.7%)

建議書由保經業務員提供

若需介紹,請至儲蓄保險王粉絲團私訊

點擊上圖可以連結高清版

看完建議書再看高保費折扣

3.5萬~15萬(美金): 0.3%(台幣105萬以上)

15萬美金以上: 0.5% (台幣450萬以上)

以上建議書有最高的0.5%折扣

在金管會的干預下

各家壽險公司”有“約而同地

將宣告利率下調到3.7%

金管會轄下的公平會，

追求消費者公平，反壟斷，

但這個宣告利率，彷彿金管會事先喬好似的，

彼此沒有任何競爭，危害消費者權益，

儲蓄保險王 不從事金融業，

有心人士再去檢舉1000次也是徒勞無功，

更無助於你自己的業績，

吃飽太閒的話，

不如去行政院檢舉金管會 (寫信給院長)，

讓自家商品更有競爭力，還有助於業績。

廢話不說,

就來看宣告利率3.7%

美旺福的表現如何

定存用王道2%美金活存為例

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	100.5	折扣	美旺福	2%	賴:	@wvr5039s
3.7%	實繳保費	100.0	0.5%	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	94.81	-5.19%	-5.19%		2.00%
2	99.44	-0.28%	-0.56%		4.04%
3	105.25	1.72%	5.25%		6.12%
4	110.25	2.47%	10.25%	4.75%	8.24%	0.50%	24.34%
5	114.38	2.72%	14.38%	3.75%	10.41%	0.79%	38.16%
6	119.74	3.05%	19.74%	4.69%	12.62%	1.19%	56.46%
7	124.21	3.15%	24.21%	3.73%	14.87%	1.33%	62.83%
8	128.85	3.22%	28.85%	3.74%	17.17%	1.46%	68.07%
9	133.66	3.28%	33.66%	3.73%	19.51%	1.57%	72.53%
10	138.65	3.32%	38.65%	3.73%	21.90%	1.68%	76.49%
11	143.83	3.36%	43.83%	3.74%	24.34%	1.77%	80.09%
12	149.2	3.39%	49.20%	3.73%	26.82%	1.86%	83.42%
13	154.77	3.42%	54.77%	3.73%	29.36%	1.95%	86.54%
14	160.55	3.44%	60.55%	3.73%	31.95%	2.04%	89.53%
15	166.55	3.46%	66.55%	3.74%	34.59%	2.13%	92.41%
16	172.77	3.48%	72.77%	3.73%	37.28%	2.22%	95.21%
17	179.22	3.49%	79.22%	3.73%	40.02%	2.31%	97.93%
18	185.91	3.50%	85.91%	3.73%	42.82%	2.39%	100.61%
19	192.85	3.52%	92.85%	3.73%	45.68%	2.48%	103.26%
20	200.05	3.53%	100.05%	3.73%	48.59%	2.57%	105.89%

三年IRR 1.72%

約同定存水準

多等一年,四年IRR就跳升到2.47%

解約金增加率4.75%

五年IRR 2.72%

六年IRR 3.05%

5 -> 6年,解約金增加率4.69%

雖然下降,

但六年相對利差仍勝出定存56%

之後解約金增加率超過3.7%

意指不論是定存利率提高

還是保單利率下降

定存都沒有任何機會追上儲蓄險

20年IRR 3.53%,總報酬率100%

資產翻倍

不同折扣IRR統整在前:

儲蓄保險王		賴:	@wvr5039s
折扣	0.5%	0.3%	0.0%
保費(萬鎂)	15	3.5
保費(萬台幣)	465	108.5
1	-5.19%	-5.38%	-5.66%
2	-0.28%	-0.38%	-0.53%
3	1.72%	1.65%	1.55%
4	2.47%	2.42%	2.34%
5	2.72%	2.68%	2.62%
6	3.05%	3.01%	2.96%
7	3.15%	3.12%	3.07%
8	3.22%	3.19%	3.15%
9	3.28%	3.25%	3.22%
10	3.32%	3.30%	3.27%
11	3.36%	3.34%	3.31%
12	3.39%	3.37%	3.35%
13	3.42%	3.40%	3.38%
14	3.44%	3.42%	3.40%
15	3.46%	3.45%	3.42%
16	3.48%	3.46%	3.44%
17	3.49%	3.48%	3.46%
18	3.50%	3.49%	3.48%
19	3.52%	3.51%	3.49%
20	3.53%	3.52%	3.50%

以下只有修改折扣為0.3%: 

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	100.5	折扣	美旺福	2%	賴:	@wvr5039s
3.7%	實繳保費	100.2	0.3%	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	94.81	-5.38%	-5.38%		2.00%
2	99.44	-0.38%	-0.76%		4.04%
3	105.25	1.65%	5.04%		6.12%
4	110.25	2.42%	10.03%	4.75%	8.24%	0.45%	21.66%
5	114.38	2.68%	14.15%	3.75%	10.41%	0.75%	35.96%
6	119.74	3.01%	19.50%	4.69%	12.62%	1.15%	54.56%
7	124.21	3.12%	23.96%	3.73%	14.87%	1.30%	61.15%
8	128.85	3.19%	28.59%	3.74%	17.17%	1.43%	66.56%
9	133.66	3.25%	33.39%	3.73%	19.51%	1.54%	71.16%
10	138.65	3.30%	38.37%	3.73%	21.90%	1.65%	75.22%
11	143.83	3.34%	43.54%	3.74%	24.34%	1.75%	78.91%
12	149.2	3.37%	48.90%	3.73%	26.82%	1.84%	82.30%
13	154.77	3.40%	54.46%	3.73%	29.36%	1.93%	85.48%
14	160.55	3.42%	60.23%	3.73%	31.95%	2.02%	88.52%
15	166.55	3.45%	66.22%	3.74%	34.59%	2.11%	91.45%
16	172.77	3.46%	72.42%	3.73%	37.28%	2.20%	94.28%
17	179.22	3.48%	78.86%	3.73%	40.02%	2.28%	97.03%
18	185.91	3.49%	85.54%	3.73%	42.82%	2.37%	99.74%
19	192.85	3.51%	92.46%	3.73%	45.68%	2.46%	102.41%
20	200.05	3.52%	99.65%	3.73%	48.59%	2.55%	105.06%

以下只有修改折扣為0%:

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	100.5	折扣	美旺福	2%	賴:	@wvr5039s
3.7%	實繳保費	100.5	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	94.81	-5.66%	-5.66%		2.00%
2	99.44	-0.53%	-1.06%		4.04%
3	105.25	1.55%	4.72%		6.12%
4	110.25	2.34%	9.70%	4.75%	8.24%	0.36%	17.66%
5	114.38	2.62%	13.81%	3.75%	10.41%	0.68%	32.67%
6	119.74	2.96%	19.14%	4.69%	12.62%	1.09%	51.72%
7	124.21	3.07%	23.59%	3.73%	14.87%	1.25%	58.65%
8	128.85	3.15%	28.21%	3.74%	17.17%	1.38%	64.31%
9	133.66	3.22%	32.99%	3.73%	19.51%	1.50%	69.11%
10	138.65	3.27%	37.96%	3.73%	21.90%	1.61%	73.32%
11	143.83	3.31%	43.11%	3.74%	24.34%	1.71%	77.14%
12	149.2	3.35%	48.45%	3.73%	26.82%	1.80%	80.64%
13	154.77	3.38%	54.00%	3.73%	29.36%	1.90%	83.91%
14	160.55	3.40%	59.75%	3.73%	31.95%	1.99%	87.01%
15	166.55	3.42%	65.72%	3.74%	34.59%	2.08%	90.01%
16	172.77	3.44%	71.91%	3.73%	37.28%	2.16%	92.89%
17	179.22	3.46%	78.32%	3.73%	40.02%	2.25%	95.69%
18	185.91	3.48%	84.98%	3.73%	42.82%	2.34%	98.44%
19	192.85	3.49%	91.89%	3.73%	45.68%	2.43%	101.15%
20	200.05	3.50%	99.05%	3.73%	48.59%	2.52%	103.83%