34歲想買美元儲蓄險 - 投資
By Xanthe
at 2023-03-25T22:36
at 2023-03-25T22:36
Table of Contents
其實儲蓄險現在還有一個風險
前幾年儲蓄險大賣
保險公司收了錢應該買了很多長天期債券
儲蓄險保戶有個好處是隨時可以贖回
所以現在保險公司投資的資產大幅跌價
但保戶如果贖回還是要給當初承諾的錢
這不就是SVB發生的事
如果保險公司之前賣了太多的儲蓄險又太多保戶現在贖回
那保險公司就危險了
而且通常滿六年七年贖回才划算
所以接下來幾年應該還會陸續有贖回潮吧
※ 引述《ipid (奇詩)》之銘言:
: 2016年當時低利率時買了一筆1萬鎂躉繳美元儲蓄險
: 當時的利率很低,現在利率提高了許多
: 想要換成今年高利率的新險種
: 請問板上大伙有推薦哪一家的利率不錯嗎,也有自動扣繳優惠的
--
前幾年儲蓄險大賣
保險公司收了錢應該買了很多長天期債券
儲蓄險保戶有個好處是隨時可以贖回
所以現在保險公司投資的資產大幅跌價
但保戶如果贖回還是要給當初承諾的錢
這不就是SVB發生的事
如果保險公司之前賣了太多的儲蓄險又太多保戶現在贖回
那保險公司就危險了
而且通常滿六年七年贖回才划算
所以接下來幾年應該還會陸續有贖回潮吧
※ 引述《ipid (奇詩)》之銘言:
: 2016年當時低利率時買了一筆1萬鎂躉繳美元儲蓄險
: 當時的利率很低,現在利率提高了許多
: 想要換成今年高利率的新險種
: 請問板上大伙有推薦哪一家的利率不錯嗎,也有自動扣繳優惠的
--
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