投資型保單解約 - 投資
By Daniel
at 2021-07-18T00:57
at 2021-07-18T00:57
Table of Contents
小弟投資新手,今年剛好趁美元匯率低點的時候換了大概3萬美元,當時聽了理專建議投
了國泰人壽的類全委保單(一年躉繳),目前三個月累積報酬率大概1.多趴,小弟是覺得
有點低....每年投資經理費用是1.7%
目前第一年解約費用是4%,我想說解約拿去定期定額投QQQ,VUG或0050會不會獲益更高,
這筆錢算是閒錢,理論上不會動用到,想請教各位先進的想法該不該解約呢?
p.s.我買的投資型保單無附加壽險功能,本身已經有兩家保險公司壽險
--
了國泰人壽的類全委保單(一年躉繳),目前三個月累積報酬率大概1.多趴,小弟是覺得
有點低....每年投資經理費用是1.7%
目前第一年解約費用是4%,我想說解約拿去定期定額投QQQ,VUG或0050會不會獲益更高,
這筆錢算是閒錢,理論上不會動用到,想請教各位先進的想法該不該解約呢?
p.s.我買的投資型保單無附加壽險功能,本身已經有兩家保險公司壽險
--
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