[問題] 基金借貸 vs 投資型保單借貸?
各位鄉民們午安
最近發現傻傻的把錢存銀行真的是報酬率超級低
剛好有熟識的朋友有在做投資理財顧問
推薦的投資型保單是
安達人壽新天生贏家plus變額年金保險
(不是壽險類型的!)
保單購買的標的是
安聯收益成長基金-AM(美元)
經過網路搜尋+爬本版和CFP版,理解到
藉由保單買基金,會需要繳保單管理費
(約2%+1200/年) 和基金管理費
而自己從鉅亨網買如果能免手續費,只需付基金管理費
看起來從保單來買基金會被多扒皮
不過朋友是說這款保單借貸可以有不錯的利率大概2~3%
遠比基金借貸的利率(可能5~6%?)低很多
不知這部分是否正確?
如以上所說正確,要開2次槓桿是否保單也是不錯的選擇?
由於這部分不是很了解,還麻煩大家分享解惑了
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