儲蓄險 & 銀行定存 - 保險
By Irma
at 2014-02-27T02:16
at 2014-02-27T02:16
Table of Contents
最近花了一些時間來研究儲蓄險 & 銀行定存的比較
同樣的年繳方式下去計算與6年期的儲蓄險比較
*銀行定存方式同保險的年繳45602元,當前銀行利率1.38%(一年)
第1年 46502元 1.38% 利息
第2年 46502+47184元 1.38 利息
以此類推做計算 IRR約 1.389%
*儲蓄險6年期保單 年繳46502 6年約滿解約 IRR約 1.709%
同樣存6年,以"當前"利率,儲蓄險確實高於銀行定存
但銀行定存的資金隨時可以拿來用 - 儲蓄險必須綁6年
給大家參考.
發文附圖,此風可長 http://i.imgur.com/lAtXmlf.png
風險: 你覺得6年內銀行利率會升嗎?
儲蓄險的IRR若低於 1.5% 其實也沒必要保了 對嗎?
--
===========================56優文天團先發名單=================亞洲的驕傲==- 口╳
email5566 VVVV5555 GuanYi5566 Roddick5566 tigotigo5566 hunter5556 尊 清
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--
同樣的年繳方式下去計算與6年期的儲蓄險比較
*銀行定存方式同保險的年繳45602元,當前銀行利率1.38%(一年)
第1年 46502元 1.38% 利息
第2年 46502+47184元 1.38 利息
以此類推做計算 IRR約 1.389%
*儲蓄險6年期保單 年繳46502 6年約滿解約 IRR約 1.709%
同樣存6年,以"當前"利率,儲蓄險確實高於銀行定存
但銀行定存的資金隨時可以拿來用 - 儲蓄險必須綁6年
給大家參考.
發文附圖,此風可長 http://i.imgur.com/lAtXmlf.png
風險: 你覺得6年內銀行利率會升嗎?
儲蓄險的IRR若低於 1.5% 其實也沒必要保了 對嗎?
--
===========================56優文天團先發名單=================亞洲的驕傲==- 口╳
email5566 VVVV5555 GuanYi5566 Roddick5566 tigotigo5566 hunter5556 尊 清
GUCCI5566 soul5566 YouAre5566 PlayGun5566 crazyman5566 suhu5566 絕 流
Pharaoh5566 NYwang5566 diefish5566 OXU5566 kai5566 SSGG5566 榮 不
Ommmmmm5566 SSGG5566 nene5566 耀 凡
ImNot5566 歡迎報名!
--
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