宣告利率4%的躉繳美金儲蓄險:新光美旺福(FP0)外幣利率變動型終身壽險

by 儲蓄保險王 · 2019-01-31

首次撰寫美旺福的文章

是去年(2018年)五月

當時美旺福宣告利率剛從3.88%提高到3.92%

稱之為IRR之王歸來

18年七月又再提高宣告利率到3.97%

今年1月宣告利率正式站上4%

(美旺福宣告利率點此查詢)

一直杞人憂天

擔心宣告利率降低的人

不只錯過多次升息

還錯過了貨幣的時間價值

相較於其他保險公司,例如:中壽

推出更高利率新商品(美鑫)

舊商品(美晶)維持宣告利率不變的做法

新光直接提高舊商品宣告利率的做法

連舊保戶都有照顧到,更顯誠意

宣告利率大亂鬥

新光PK中壽,

難分難斷,恩怨未了

文末番外篇

附上新光美旺福PK中壽美鑫

以上是宣告利率4%的建議書

看完建議書再看高保費折扣

3.5萬~15萬(美金): 0.3%(台幣110萬以上)

15萬美金以上: 0.5% (台幣470萬以上)

以上建議書有最高的0.5%折扣

以星展星禧數位銀行美金2%活存為比較對象

3/31以前完成四大任務

即可獲得1000元,

優惠不錯,敬請把握機會

點此申請星禧數位帳戶(美金2%高利活存)

點此線上辦卡

廢話不說!

來看新光美旺福的表現

0.5%折扣(15萬鎂~470萬台幣):

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

4% 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 95.1 -4.90% -4.90% 　 2.00% 　　

2 100.04 0.02% 0.04% 　 4.04% 　　

3 106.2 2.03% 6.20% 　 6.12% 　　

4 111.56 2.77% 11.56% 5.05% 8.24% 0.83% 40.24%

5 116.09 3.03% 16.09% 4.06% 10.41% 1.14% 54.59%

6 121.87 3.35% 21.87% 4.98% 12.62% 1.54% 73.35%

7 126.79 3.45% 26.79% 4.04% 14.87% 1.70% 80.18%

8 131.92 3.52% 31.92% 4.05% 17.17% 1.84% 85.95%

9 137.24 3.58% 37.24% 4.03% 19.51% 1.97% 90.88%

10 142.79 3.63% 42.79% 4.04% 21.90% 2.09% 95.39%

11 148.56 3.66% 48.56% 4.04% 24.34% 2.20% 99.53%

12 154.56 3.70% 54.56% 4.04% 26.82% 2.31% 103.40%

13 160.8 3.72% 60.80% 4.04% 29.36% 2.42% 107.08%

14 167.3 3.74% 67.30% 4.04% 31.95% 2.53% 110.66%

15 174.05 3.76% 74.05% 4.03% 34.59% 2.63% 114.10%

16 181.08 3.78% 81.08% 4.04% 37.28% 2.74% 117.50%

17 188.4 3.80% 88.40% 4.04% 40.02% 2.85% 120.87%

18 196.01 3.81% 96.01% 4.04% 42.82% 2.95% 124.19%

19 203.93 3.82% 103.93% 4.04% 45.68% 3.07% 127.51%

20 212.16 3.83% 112.16% 4.04% 48.59% 3.18% 130.81%

在最高保費折扣的情況下

兩年就保本

三年IRR 2.03%跟定存相當

五年IRR 3.03%,相對利差勝出定存55%

只多一年而已

六年IRR就跳升到3.35%

解約金增加率4.98%

相對利差勝出定存73%

七年以後解約金增加率約4%

十年總報酬率43%

相對利差95%

也就是利息快要定存的2倍

19年總報酬率104%

資產翻倍

不同高保費折扣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	-4.90%	-5.09%	-5.38%
2	0.02%	-0.08%	-0.23%
3	2.03%	1.96%	1.86%
4	2.77%	2.72%	2.64%
5	3.03%	2.99%	2.93%
6	3.35%	3.32%	3.27%
7	3.45%	3.42%	3.37%
8	3.52%	3.50%	3.46%
9	3.58%	3.56%	3.52%
10	3.63%	3.61%	3.57%
11	3.66%	3.64%	3.62%
12	3.70%	3.68%	3.65%
13	3.72%	3.71%	3.68%
14	3.74%	3.73%	3.71%
15	3.76%	3.75%	3.73%
16	3.78%	3.77%	3.75%
17	3.80%	3.78%	3.77%
18	3.81%	3.80%	3.78%
19	3.82%	3.81%	3.79%
20	3.83%	3.82%	3.81%

0.3%折扣(3.5萬鎂~110萬台幣):

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

4% 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 95.1 -5.09% -5.09% 　 2.00% 　　

2 100.04 -0.08% -0.16% 　 4.04% 　　

3 106.2 1.96% 5.99% 　 6.12% 　　

4 111.56 2.72% 11.34% 5.05% 8.24% 0.77% 37.52%

5 116.09 2.99% 15.86% 4.06% 10.41% 1.09% 52.35%

6 121.87 3.32% 21.63% 4.98% 12.62% 1.50% 71.41%

7 126.79 3.42% 26.54% 4.04% 14.87% 1.67% 78.47%

8 131.92 3.50% 31.66% 4.05% 17.17% 1.81% 84.41%

9 137.24 3.56% 36.96% 4.03% 19.51% 1.94% 89.47%

10 142.79 3.61% 42.50% 4.04% 21.90% 2.06% 94.09%

11 148.56 3.64% 48.26% 4.04% 24.34% 2.17% 98.30%

12 154.56 3.68% 54.25% 4.04% 26.82% 2.29% 102.24%

13 160.8 3.71% 60.48% 4.04% 29.36% 2.39% 105.98%

14 167.3 3.73% 66.96% 4.04% 31.95% 2.50% 109.61%

15 174.05 3.75% 73.70% 4.03% 34.59% 2.61% 113.09%

16 181.08 3.77% 80.72% 4.04% 37.28% 2.71% 116.52%

17 188.4 3.78% 88.02% 4.04% 40.02% 2.82% 119.92%

18 196.01 3.80% 95.62% 4.04% 42.82% 2.93% 123.28%

19 203.93 3.81% 103.52% 4.04% 45.68% 3.04% 126.62%

20 212.16 3.82% 111.73% 4.04% 48.59% 3.16% 129.93%

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 100.5 折扣美旺福 2% 賴: @wvr5039s

4% 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 95.1 -5.38% -5.38% 　 2.00% 　　

2 100.04 -0.23% -0.46% 　 4.04% 　　

3 106.2 1.86% 5.67% 　 6.12% 　　

4 111.56 2.64% 11.00% 5.05% 8.24% 0.69% 33.47%

5 116.09 2.93% 15.51% 4.06% 10.41% 1.02% 49.01%

6 121.87 3.27% 21.26% 4.98% 12.62% 1.44% 68.52%

7 126.79 3.37% 26.16% 4.04% 14.87% 1.61% 75.92%

8 131.92 3.46% 31.26% 4.05% 17.17% 1.76% 82.11%

9 137.24 3.52% 36.55% 4.03% 19.51% 1.89% 87.37%

10 142.79 3.57% 42.08% 4.04% 21.90% 2.02% 92.13%

11 148.56 3.62% 47.82% 4.04% 24.34% 2.13% 96.48%

12 154.56 3.65% 53.79% 4.04% 26.82% 2.25% 100.52%

13 160.8 3.68% 60.00% 4.04% 29.36% 2.36% 104.34%

14 167.3 3.71% 66.46% 4.04% 31.95% 2.47% 108.04%

15 174.05 3.73% 73.18% 4.03% 34.59% 2.57% 111.58%

16 181.08 3.75% 80.17% 4.04% 37.28% 2.68% 115.07%

17 188.4 3.77% 87.46% 4.04% 40.02% 2.79% 118.51%

18 196.01 3.78% 95.03% 4.04% 42.82% 2.90% 121.90%

19 203.93 3.79% 102.91% 4.04% 45.68% 3.01% 125.28%

20 212.16 3.81% 111.10% 4.04% 48.59% 3.13% 128.62%

新光美旺福PK中壽美鑫

就以一般人

不會太難達到的0.3%折扣一起比較:

儲蓄保險王美旺福美鑫 @wvr5039s

折扣 0.3% 0.30% 新光

保費(萬鎂) 3.5 1.5 美旺福

保費(萬台幣) 108.5 46.5 勝出

1 -5.09% -19.67% 14.58%

2 -0.08% 0.50% -0.5762%

3 1.96% 2.07% -0.1129%

4 2.72% 2.71% 0.0092%

5 2.99% 2.98% 0.0091%

6 3.32% 3.31% 0.0069%

7 3.42% 3.41% 0.0052%

8 3.50% 3.49% 0.0051%

9 3.56% 3.55% 0.0038%

10 3.61% 3.60% 0.0032%

11 3.64% 3.64% 0.0036%

12 3.68% 3.67% 0.0032%

13 3.71% 3.70% 0.0030%

14 3.73% 3.73% 0.0030%

15 3.75% 3.75% 0.0022%

16 3.77% 3.77% 0.0021%

17 3.78% 3.78% 0.0024%

18 3.80% 3.80% 0.0021%

19 3.81% 3.81% 0.0021%

20 3.82% 3.82% 0.0018%