美金儲蓄險是否該贖回? - 銀行

By Barb Cronin
at 2022-09-24T20:34
at 2022-09-24T20:34
Table of Contents
10年前保的美金儲蓄險6年期總額31152鎂
到今天若贖回可拿回38017鎂
試算了一下此張保單IRR至今年為年利率2.64%
若放20年則是3.06%
https://imgur.com/YsWJWLT
可看了一下目前有幾間銀行都推出超過3%的美金定存
請問各位此張保單是否要解約贖回
換存別家銀行高利定存?
或是趁現在美金價好趕緊換回台幣?
(美金平均成本為台幣29.976)
目前有點猶豫該如何操作
如果贖回換台幣匯差可小賺一點
不贖回或贖回轉存銀行高利定存
又怕高價美金稍縱即逝
不知道大家會如何操作
--
到今天若贖回可拿回38017鎂
試算了一下此張保單IRR至今年為年利率2.64%
若放20年則是3.06%
https://imgur.com/YsWJWLT
可看了一下目前有幾間銀行都推出超過3%的美金定存
請問各位此張保單是否要解約贖回
換存別家銀行高利定存?
或是趁現在美金價好趕緊換回台幣?
(美金平均成本為台幣29.976)
目前有點猶豫該如何操作
如果贖回換台幣匯差可小賺一點
不贖回或贖回轉存銀行高利定存
又怕高價美金稍縱即逝
不知道大家會如何操作
--
Tags:
銀行
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