台灣人壽增利多(PSD20)外幣還本分紅終身保險IRR分析

年末	累積已領 生存保險金	解約金	Sum
10	600	6140	6740
11	600	6940	7540
12	800	7616	8416
13	800	8464	9264
14	800	9340	10140
15	1000	10096	11096
16	1000	11028	12028
17	1000	11996	12996
18	1200	12844	14044
19	1200	13872	15072
20	1200	19916	21116
25	1600	21488	23088

0	-1196	-1196	-1196	-1196	-1196	-1196
1	-1196	-1196	-1196	-1196	-1196	-1196
2	-1196	-1196	-1196	-1196	-1196	-1196
3	-1196	-1196	-1196	-1196	-1196	-1196
4	-1196	-1196	-1196	-1196	-1196	-1196
5	-1196	-1196	-1196	-1196	-1196	-1196
6	-1196	-1196	-1196	-1196	-1196	-1196
7	-1196	-1196	-1196	-1196	-1196	-1196
8	-1196	-1196	-1196	-1196	-1196	-1196
9	-1196	-1196	-1196	-1196	-1196	-1196
10	6740	-1196	-1196	-1196	-1196	-1196
11		7540	-1196	-1196	-1196	-1196
12			8416	-1196	-1196	-1196
13				9264	-1196	-1196
14					10140	-1196
15						11096
IRR	-10.77%	-9.63%	-8.55%	-7.72%	-7.00%	-6.29%
滿n年	10	11	12	13	14	15

0	-1196	-1196	-1196	-1196	-1196	-1196
1	-1196	-1196	-1196	-1196	-1196	-1196
2	-1196	-1196	-1196	-1196	-1196	-1196
3	-1196	-1196	-1196	-1196	-1196	-1196
4	-1196	-1196	-1196	-1196	-1196	-1196
5	-1196	-1196	-1196	-1196	-1196	-1196
6	-1196	-1196	-1196	-1196	-1196	-1196
7	-1196	-1196	-1196	-1196	-1196	-1196
8	-1196	-1196	-1196	-1196	-1196	-1196
9	-1196	-1196	-1196	-1196	-1196	-1196
10	-1196	-1196	-1196	-1196	-1196	-1196
11	-1196	-1196	-1196	-1196	-1196	-1196
12	-1196	-1196	-1196	-1196	-1196	-1196
13	-1196	-1196	-1196	-1196	-1196	-1196
14	-1196	-1196	-1196	-1196	-1196	-1196
15	-1196	-1196	-1196	-1196	-1196	-1196
16	12028	-1196	-1196	-1196	-1196	-1196
17		12996	-1196	-1196	-1196	-1196
18			14044	-1196	-1196	-1196
19				15072	-1196	-1196
20					21116	0
21						0
22						0
23						0
24						0
25						23088
IRR	-5.72%	-5.21%	-4.71%	-4.30%	-1.20%	-0.23%
滿n年	16	17	18	19	20	25