美金儲蓄險 - 存股

By Doris
at 2023-06-15T12:08
at 2023-06-15T12:08
Table of Contents
借標題,討論一下剛好推文也有人提到的保誠那張
最近業務朋友推薦的美元儲蓄險,用家中新生兒的身分買,繳10年,12年解約IRR約4.6%,還
有送一些癌症險+壽險。
原本很單純的想說當存錢的話IRR很漂亮,但仔細研究擔心分紅保單的假設紅利似乎都太樂觀
?
朋友說保誠連續10年分紅都在中分紅以上,但正好家人就有一份美利人生確定沒有達到建議
書上
的中分紅,不太確定新聞和葉配專文的100%中分紅的定義?是不是文字遊戲?
以「儲蓄保本+賺利息」為目的,想討論的問題
1)比較同類型的商品,若是真的能達到建議書上的假設紅利,以儲蓄險來說是否值得入手?
2)保單本身有搭配高倍數的壽險,是否犧牲一點IRR,把要保人換成30歲男性(新生兒父親
),這樣真的有意外還可以留錢照顧家人?沒意外的話就是解約時少領一點。
※ 引述《angela6958》之銘言
: 近年一直覺得存股比儲蓄險好
: 但股票畢竟有時會翻船
: 所以不小心被打動..
: 想聽看看大家意見 這張是否值得買
: 台灣人壽臻美利美元利率變動型
: 十年期 預定利率2.25
: https://i.imgur.com/SJB4LSH.jpg
--
最近業務朋友推薦的美元儲蓄險,用家中新生兒的身分買,繳10年,12年解約IRR約4.6%,還
有送一些癌症險+壽險。
原本很單純的想說當存錢的話IRR很漂亮,但仔細研究擔心分紅保單的假設紅利似乎都太樂觀
?
朋友說保誠連續10年分紅都在中分紅以上,但正好家人就有一份美利人生確定沒有達到建議
書上
的中分紅,不太確定新聞和葉配專文的100%中分紅的定義?是不是文字遊戲?
以「儲蓄保本+賺利息」為目的,想討論的問題
1)比較同類型的商品,若是真的能達到建議書上的假設紅利,以儲蓄險來說是否值得入手?
2)保單本身有搭配高倍數的壽險,是否犧牲一點IRR,把要保人換成30歲男性(新生兒父親
),這樣真的有意外還可以留錢照顧家人?沒意外的話就是解約時少領一點。
※ 引述《angela6958》之銘言
: 近年一直覺得存股比儲蓄險好
: 但股票畢竟有時會翻船
: 所以不小心被打動..
: 想聽看看大家意見 這張是否值得買
: 台灣人壽臻美利美元利率變動型
: 十年期 預定利率2.25
: https://i.imgur.com/SJB4LSH.jpg

--
Tags:
存股
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