躉繳美金儲蓄險/元大人壽美滿人生(F1)美元利率變動型增額終身壽險IRR分析(宣告利率3.65%)

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宣告利率:3.65% (2019/4~6月)

依據建議書

表定保費是174570

享0.4%折扣後

實繳保費應為173872

但是建議書卻寫173870

低了2美金

會造成這個誤差的原因

元大人壽珍利美(FP)美元利率變動型終身壽險(六年期繳)IRR分析,最高4%折扣

已經解釋過了

原始保費30114

30114*(1-4%) =28909.44

但建議書顯示的折扣後保費是28908

比上述計算低了1.44美金

這誤差是因為4%折扣從

每萬保額的保費開始計算

再乘上18萬保額

會放大四捨五入的結果

 

但為了方便計算,

仍用原始保費*(1-折扣率)

基本上誤差非常小

硬要講誤差的話

那也是高估了保費

低估了IRR

 

看完建議書

看高保費折扣

6.5萬美金以上: 0.3% (台幣202萬)

10萬美金以上: 0.4% (台幣310萬)

IRR即為可與定存比較的年化複利

算法如下:

躉繳儲蓄險IRR算法

儲蓄險或躉繳利變年金險解約金(IRR)算法

儲蓄險報酬率(IRR)試算網頁

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

內部報酬率(IRR)概念:你是糊塗的工頭嗎?

 

不同保費折扣IRR統整在前:

儲蓄保險王 賴:  @wvr5039s 儲蓄保險王
台幣門檻 (萬元) 310 201.5 15.5
美金門檻 (萬元) 10 6.5 0.5
折扣 0.4% 0.3% 0
IRR IRR IRR
1 -20.03% -20.11% -20.35%
2 -8.20% -8.24% -8.38%
3 1.6806% 1.6466% 1.5448%
4 2.3072% 2.2815% 2.2048%
5 2.6044% 2.5838% 2.5222%
6 2.9710% 2.9537% 2.9022%
7 3.0724% 3.0576% 3.0134%
8 3.1487% 3.1358% 3.0971%
9 3.2078% 3.1963% 3.1619%
10 3.2552% 3.2448% 3.2138%
11 3.2939% 3.2844% 3.2562%
12 3.3265% 3.3179% 3.2920%
13 3.3538% 3.3458% 3.3219%
14 3.3774% 3.3699% 3.3478%
15 3.3977% 3.3907% 3.3700%
16 3.4156% 3.4091% 3.3897%
17 3.4312% 3.4251% 3.4069%
18 3.4452% 3.4394% 3.4222%
19 3.4577% 3.4523% 3.4359%
20 3.4690% 3.4638% 3.4483%

 

0.4%折扣 (310萬台幣):

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 174570.0 折扣 美金鑽 2% 賴:  @wvr5039s
3.7% 實繳保費 173871.7 0.4% 解約金 定存 美金儲蓄險勝出
解約金 IRR 總報酬率 增加率 總報酬率 絕對利差 相對利差
1 139041 -20.03% -20.03%   2.00%    
2 146533 -8.20% -15.72%   4.04%    
3 182786 1.68% 5.13%   6.12%    
4 190482 2.31% 9.55% 4.21% 8.24% 0.33% 15.89%
5 197724 2.60% 13.72% 3.80% 10.41% 0.66% 31.80%
6 207261 2.97% 19.20% 4.82% 12.62% 1.10% 52.21%
7 214895 3.07% 23.59% 3.68% 14.87% 1.25% 58.68%
8 222813 3.15% 28.15% 3.68% 17.17% 1.37% 63.98%
9 231016 3.21% 32.87% 3.68% 19.51% 1.48% 68.46%
10 239523 3.26% 37.76% 3.68% 21.90% 1.59% 72.42%
11 248341 3.29% 42.83% 3.68% 24.34% 1.68% 75.98%
12 257496 3.33% 48.10% 3.69% 26.82% 1.77% 79.30%
13 266975 3.35% 53.55% 3.68% 29.36% 1.86% 82.38%
14 276812 3.38% 59.20% 3.68% 31.95% 1.95% 85.32%
15 287005 3.40% 65.07% 3.68% 34.59% 2.03% 88.13%
16 297582 3.42% 71.15% 3.69% 37.28% 2.12% 90.86%
17 308538 3.43% 77.45% 3.68% 40.02% 2.20% 93.51%
18 319900 3.45% 83.99% 3.68% 42.82% 2.29% 96.12%
19 331684 3.46% 90.76% 3.68% 45.68% 2.37% 98.69%
20 343901 3.47% 97.79% 3.68% 48.59% 2.46% 101.24%

兩年內解約為虧損負報酬

3,4年IRR約同定存水準

3 -> 4年解約金增加率4.2%

5 -> 6年解約金增加率4.8%

6年IRR 3%,相對利差勝出定存52%

長期解約金增加率3.7%

20年總報酬率97.79%,接近資產翻倍

 

0.3%折扣 (202萬台幣):

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 174570.0 折扣 美金鑽 2% 賴:  @wvr5039s
3.7% 實繳保費 174046.3 0.3% 解約金 定存 美金儲蓄險勝出
解約金 IRR 總報酬率 增加率 總報酬率 絕對利差 相對利差
1 139041 -20.11% -20.11%   2.00%    
2 146533 -8.24% -15.81%   4.04%    
3 182786 1.65% 5.02%   6.12%    
4 190482 2.28% 9.44% 4.21% 8.24% 0.30% 14.56%
5 197724 2.58% 13.60% 3.80% 10.41% 0.64% 30.71%
6 207261 2.95% 19.08% 4.82% 12.62% 1.08% 51.26%
7 214895 3.06% 23.47% 3.68% 14.87% 1.23% 57.85%
8 222813 3.14% 28.02% 3.68% 17.17% 1.36% 63.23%
9 231016 3.20% 32.73% 3.68% 19.51% 1.47% 67.78%
10 239523 3.24% 37.62% 3.68% 21.90% 1.57% 71.79%
11 248341 3.28% 42.69% 3.68% 24.34% 1.67% 75.40%
12 257496 3.32% 47.95% 3.69% 26.82% 1.76% 78.74%
13 266975 3.35% 53.39% 3.68% 29.36% 1.85% 81.85%
14 276812 3.37% 59.05% 3.68% 31.95% 1.94% 84.82%
15 287005 3.39% 64.90% 3.68% 34.59% 2.02% 87.65%
16 297582 3.41% 70.98% 3.69% 37.28% 2.11% 90.40%
17 308538 3.43% 77.27% 3.68% 40.02% 2.19% 93.07%
18 319900 3.44% 83.80% 3.68% 42.82% 2.28% 95.69%
19 331684 3.45% 90.57% 3.68% 45.68% 2.36% 98.27%
20 343901 3.46% 97.59% 3.68% 48.59% 2.45% 100.83%

 

0%折扣(16萬台幣):

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 174570.0 折扣 美金鑽 2% 賴:  @wvr5039s
3.7% 實繳保費 174570.0 0.0% 解約金 定存 美金儲蓄險勝出
解約金 IRR 總報酬率 增加率 總報酬率 絕對利差 相對利差
1 139041 -20.35% -20.35%   2.00%    
2 146533 -8.38% -16.06%   4.04%    
3 182786 1.54% 4.71%   6.12%    
4 190482 2.20% 9.11% 4.21% 8.24% 0.22% 10.58%
5 197724 2.52% 13.26% 3.80% 10.41% 0.57% 27.43%
6 207261 2.90% 18.73% 4.82% 12.62% 1.02% 48.43%
7 214895 3.01% 23.10% 3.68% 14.87% 1.18% 55.36%
8 222813 3.10% 27.64% 3.68% 17.17% 1.31% 60.99%
9 231016 3.16% 32.33% 3.68% 19.51% 1.43% 65.74%
10 239523 3.21% 37.21% 3.68% 21.90% 1.53% 69.90%
11 248341 3.26% 42.26% 3.68% 24.34% 1.63% 73.64%
12 257496 3.29% 47.50% 3.69% 26.82% 1.72% 77.09%
13 266975 3.32% 52.93% 3.68% 29.36% 1.81% 80.29%
14 276812 3.35% 58.57% 3.68% 31.95% 1.90% 83.32%
15 287005 3.37% 64.41% 3.68% 34.59% 1.99% 86.22%
16 297582 3.39% 70.47% 3.69% 37.28% 2.07% 89.02%
17 308538 3.41% 76.74% 3.68% 40.02% 2.16% 91.74%
18 319900 3.42% 83.25% 3.68% 42.82% 2.25% 94.40%
19 331684 3.44% 90.00% 3.68% 45.68% 2.33% 97.02%
20 343901 3.45% 97.00% 3.68% 48.59% 2.42% 99.61%

 

 

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