2018年台幣躉繳儲蓄險/中國人壽旺財利率變動型終身壽險IRR分析. 由 儲蓄保險王 · 2018-07-06 / 6,408 次瀏覽 ...中國人壽0儲蓄保險王>各家保險公司>中國人壽>2018年台幣躉繳儲蓄險/中國人壽旺財利率變動型終身壽險IRR分析2018年台幣躉繳儲蓄險/中國人壽旺財利率變動型終身壽險IRR分析由儲蓄保險王·2018-07-06 建議書由保經業務提供,若需推薦,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折扣110萬:0.3%220萬:0.5%440萬:0.7%建議書享有最高的0.7%折扣FB: 儲蓄保險王.正義真話侠Line: @wvr5039sFB: 儲蓄保險王.正義真話侠宣告表定保費4431017折扣解約金增加率Line: @wvr5039s相對利差旺財勝出2.97%實繳保費44000000.7%定存利率1.30%年解約金IRR總報酬率本利和總報酬率14150457-5.67%-5.67%　44572001.30%　24332378-0.77%-1.54%　45151432.62%　345094720.8225%2.49%　45738403.95%　446908781.6133%6.61%4.02%46333005.30%24.68%548646472.0281%10.56%3.70%46935336.67%58.29%650571572.3471%14.94%3.96%47545498.06%85.35%752078452.4373%18.36%2.98%48163589.46%94.03%853622212.5030%21.87%2.96%487897110.89%100.89%955227202.5573%25.52%2.99%494239812.33%106.99%1056883512.6014%29.28%3.00%500664913.79%112.37%1158580472.6361%33.14%2.98%507173515.27%117.06%1260331352.6654%37.12%2.99%513766816.77%121.39%1362137742.6907%41.22%2.99%520445718.28%125.47%1463988422.7112%45.43%2.98%527211519.82%129.19%1565910462.7307%49.80%3.00%534065321.38%132.93%1667879682.7467%54.27%2.99%541008122.96%136.41%1769910642.7611%58.89%2.99%548041224.55%139.82%1872005102.7742%63.65%3.00%555165826.17%143.17%1974150932.7850%68.52%2.98%562382927.81%146.37%2076377682.7959%73.59%3.00%569693929.48%149.65%滿三年保本，IRR0.8%四年IRR1.6%勝定存之後解約金年增加率3%~4%意指銀行定存再也不可能追上儲蓄險六年IRR2.35%，相對利差勝出定存85%8年IRR2.5%，相對利差101%也就是利息是定存的2倍20年IRR2.8%，相對利差150%利息是定存的2.5倍 以下修改折扣為0.5%(保費220萬):FB:儲蓄保險王.正義真話侠Line: @wvr5039sFB: 儲蓄保險王.正義真話侠宣告表定保費4431017折扣解約金增加率Line: @wvr5039s相對利差旺財勝出2.97%實繳保費44088620.5%定存利率1.30%年解約金IRR總報酬率本利和總報酬率14150457-5.86%-5.86%　44661771.30%　24332378-0.87%-1.73%　45242372.62%　345094720.7550%2.28%　45830533.95%　446908781.5622%6.40%4.02%46426325.30%20.64%548646471.9870%10.34%3.70%47029866.67%54.96%650571572.3128%14.70%3.96%47641258.06%82.48%752078452.4078%18.12%2.98%48260599.46%91.51%853622212.4772%21.62%2.96%488879810.89%98.64%955227202.5344%25.26%2.99%495235212.33%104.95%1056883512.5808%29.02%3.00%501673313.79%110.49%1158