是否該退掉台灣人壽「金好鑽保險」? - 保險
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By Lily
at 2014-01-04T22:53
at 2014-01-04T22:53
Table of Contents
大家好
我表妹最近保了台灣人壽的金好鑽保險 http://ppt.cc/m777
這個應該是儲蓄險吧?
板上似乎很多人不是很推儲蓄險,
加上我認為她保這個險對她負擔應該不小,
因此上版來請教一下這個險究竟值不值得保?
她最近保的這個金好鑽保險,
因為她選擇的是10年期,
業務跟她說利息是1.7%,
她採年繳12萬1954元,(所以若存郵局十年後基本是存了121萬9540元)
十年後可領回133萬6783元,(比存郵局多領11萬7243元,
等於每年多領1萬1724元,那一個月才多977元…)
但是十年後錢繼續放著讓它滾利息的話是以複利2.25%計算,
我表妹的想法就是想讓它十年後繼續錢滾錢。
我表妹今年25歲,公教人員,目前月薪實領40000元初,
我推算她的外地生活開銷加總是15000元,
另外她目前已保的險種就有兩個,
是臺灣人壽的終身醫療險跟看護險,
每個月共繳5000多元,
嗯…給她算一個月存20000元好了,
照這個險年繳12萬1954元等於每月要再把1萬163元給定存住,
每月能夠再活用的金額或是預備金只剩不到1萬元!
我真的覺得我表妹欠考慮,同個業務員跟她說一說她也沒想太多就決定簽約了,
十年後我表妹也35歲了,期間內應該也結婚生子了,公教人員薪水變動小,
這樣的儲蓄險繳下去,十年間能動用的錢必定很緊,
我很想叫她退保,
可是不知道怎樣說服她?
或者該看在十年後的複利2.25%呢繼續保呢?
十年間的變化誰也不知道,她保這樣的險真的有比較好???
不知道有沒有版友可以對這樣的狀況分享一下看法呢?
感謝您了~~~~ >"<
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By Bethany
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