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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請至儲蓄保險王粉絲團私訊

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
年	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
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	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
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	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):