Re: [商品]全球人壽金鑽515美元還本終身保險(FCW)
※ 引述《hitoo (◎☑)》之銘言：
: → ag324:要還本 需要用錢的 就找irr質高的 11/04 01:05
: → ag324:不需要用錢的找 最後報酬率高的 11/04 01:05
: 假設我買一張到一百歲可以領為一百萬的保單
: a 十年每年繳5萬
: b 二十年每年繳3萬
: 套用y版友的的報酬率公式
: 以y版友想知道究竟能拿回多少錢的公式來看
: a＝200%
: b= 166%
: 所以a>b a比較好？？？
再多個例子參考一下吧
先擷取一段y大再17988篇的數據
年度 總繳保費 還本 累積還本 解約金 解約報酬 報酬率
1 69,003 5,000 5,000 46,533 -17,470 -25.32%
2 138,006 5,000 10,000 100,486 -27,520 -19.94%
3 207,009 5,000 15,000 161,769 -30,240 -14.61%
4 276,012 5,000 20,000 230,767 -25,245 -9.15%
5 345,015 5,000 25,000 307,903 -12,112 -3.51%
6 414,018 5,000 30,000 393,619 9,601 2.32%
...
41 414,018 15,000 555,000 441,667 582,649 140.73%
42 414,018 15,000 570,000 443,583 599,565 144.82%
43 414,018 15,000 585,000 445,558 616,540 148.92%
剛好渣打銀行今天調高3年期定存固定利率到2.2%
相同的錢就直接存到業務們最看不起的定存裡看看吧
年度 總存金額 還本 累積還本 解約金 解約報酬 報酬率
1 414,018 0 0 423,126 2.2% 2.2%
2 414,018 0 0 432,435 4.45% 4.45%
3 414,018 0 0 441,948 6.75% 6.75%
4 414,018 0 0 451,671 9.09% 9.09%
5 414,018 0 0 461,608 11.49% 11.49%
6 414,018 0 0 471,763 13.95% 13.95%
...
41 414,018 0 0 1,010,429 144.05% 144.05%
42 414,018 0 0 1,032,658 149.42% 149.42%
43 414,018 0 0 1,055,377 154.91% 154.91%
由y大的公式得知, 定存打死所謂的美金保單, 還不用承擔匯率的風險和流動性的風險.
某y再這裡呼籲各位有良心的業務員們, 從這一刻開始不要再賣什麼美元保單了.
也不用這麼虛偽的問說有沒有美金的需求. 直接叫客戶去存定存就好 XDDDD
或許以IRR來計算保單的報酬可能會有失真的情況發生. 但是用總報酬率這個方法也
太誇張了吧. 我相信某y說說而已. 有涵養的業務原是不會說出這麼沒sense的話的
是吧?
--
※ 發信站: 批踢踢實業坊(ptt.cc)
◆ From: 211.75.133.138
推
11/04 17:45, , 1F
11/04 17:45, 1F
→
11/04 17:45, , 2F
11/04 17:45, 2F
→
11/04 17:50, , 3F
11/04 17:50, 3F
推
11/04 17:54, , 4F
11/04 17:54, 4F
→
11/04 18:08, , 5F
11/04 18:08, 5F
推
11/04 18:20, , 6F
11/04 18:20, 6F
推
11/04 18:46, , 7F
11/04 18:46, 7F
→
11/04 18:50, , 8F
11/04 18:50, 8F
→
11/04 19:46, , 9F
11/04 19:46, 9F
→
11/04 19:47, , 10F
11/04 19:47, 10F
→
11/04 19:48, , 11F
11/04 19:48, 11F
→
11/04 19:50, , 12F
11/04 19:50, 12F
→
11/04 19:52, , 13F
11/04 19:52, 13F
→
11/04 20:09, , 14F
11/04 20:09, 14F
→
11/04 20:10, , 15F
11/04 20:10, 15F
→
11/04 20:16, , 16F
11/04 20:16, 16F
→
11/04 20:18, , 17F
11/04 20:18, 17F
→
11/04 20:21, , 18F
11/04 20:21, 18F
→
11/04 20:23, , 19F
11/04 20:23, 19F
→
11/04 20:23, , 20F
11/04 20:23, 20F
→
11/04 20:25, , 21F
11/04 20:25, 21F
→
11/04 20:25, , 22F
11/04 20:25, 22F
→
11/04 23:34, , 23F
11/04 23:34, 23F
→
11/04 23:35, , 24F
11/04 23:35, 24F
→
11/04 23:36, , 25F
11/04 23:36, 25F
→
11/04 23:36, , 26F
11/04 23:36, 26F
→
11/04 23:38, , 27F
11/04 23:38, 27F
→
11/04 23:51, , 28F
11/04 23:51, 28F
→
11/04 23:53, , 29F
11/04 23:53, 29F
→
11/04 23:55, , 30F
11/04 23:55, 30F
→
11/04 23:57, , 31F
11/04 23:57, 31F
→
11/04 23:57, , 32F
11/04 23:57, 32F
→
11/04 23:57, , 33F
11/04 23:57, 33F
→
11/04 23:59, , 34F
11/04 23:59, 34F
→
11/05 00:02, , 35F
11/05 00:02, 35F
→
11/05 00:03, , 36F
11/05 00:03, 36F
→
11/05 00:05, , 37F
11/05 00:05, 37F
→
11/05 00:05, , 38F
11/05 00:05, 38F
→
11/05 00:08, , 39F
11/05 00:08, 39F
→
11/05 00:09, , 40F
11/05 00:09, 40F
→
11/05 00:09, , 41F
11/05 00:09, 41F
→
11/05 00:12, , 42F
11/05 00:12, 42F
→
11/05 00:14, , 43F
11/05 00:14, 43F
→
11/05 00:15, , 44F
11/05 00:15, 44F
→
11/05 00:17, , 45F
11/05 00:17, 45F
→
11/05 00:18, , 46F
11/05 00:18, 46F
→
11/05 00:19, , 47F
11/05 00:19, 47F
→
11/05 00:32, , 48F
11/05 00:32, 48F
→
11/05 00:43, , 49F
11/05 00:43, 49F
→
11/05 00:45, , 50F
11/05 00:45, 50F
推
11/05 00:57, , 51F
11/05 00:57, 51F
→
11/05 00:57, , 52F
11/05 00:57, 52F
→
11/05 00:58, , 53F
11/05 00:58, 53F
→
11/05 01:00, , 54F
11/05 01:00, 54F
→
11/05 01:06, , 55F
11/05 01:06, 55F
推
11/05 01:07, , 56F
11/05 01:07, 56F
→
11/05 01:07, , 57F
11/05 01:07, 57F
→
11/05 01:08, , 58F
11/05 01:08, 58F
→
11/05 01:08, , 59F
11/05 01:08, 59F
推
11/05 01:09, , 60F
11/05 01:09, 60F
→
11/05 01:09, , 61F
11/05 01:09, 61F
→
11/05 01:10, , 62F
11/05 01:10, 62F
→
11/05 01:10, , 63F
11/05 01:10, 63F
→
11/05 01:11, , 64F
11/05 01:11, 64F
→
11/05 01:12, , 65F
11/05 01:12, 65F
→
11/05 01:12, , 66F
11/05 01:12, 66F
→
11/05 01:12, , 67F
11/05 01:12, 67F
→
11/05 01:13, , 68F
11/05 01:13, 68F
→
11/05 01:15, , 69F
11/05 01:15, 69F
→
11/05 01:15, , 70F
11/05 01:15, 70F
→
11/05 01:18, , 71F
11/05 01:18, 71F
→
11/05 01:25, , 72F
11/05 01:25, 72F
→
11/05 12:37, , 73F
11/05 12:37, 73F
→
11/05 12:37, , 74F
11/05 12:37, 74F
→
11/05 12:40, , 75F
11/05 12:40, 75F
討論串 (同標題文章)
本文引述了以下文章的的內容：
完整討論串 (本文為第 15 之 16 篇)：
Insurance 近期熱門文章
PTT職涯區 即時熱門文章
