詢問富邦人壽金多利 增額終身險 - 保險
By Ethan
at 2014-05-06T19:28
at 2014-05-06T19:28
Table of Contents
為了做到3%買保額40萬
年繳235710
六年後解約拿回1483800
用EXCEL算一下IRR發現只有1.37%
跟目前定存差不多
沒有大家提到能有1.7%那麼多
請問我IRR有算錯嗎??總覺得好低
會關心到這張是因為業務說可以用富邦信用卡繳
這樣六年下來的現金回饋
再加上業務說現在買高保額送八張王品牛排卷(也可換現金1500X8=12000)
想說這樣下來利率應該更高
才來算一下試算表的IRR
卻發現出奇得低(跟定存沒兩樣)
所以想問各位
年繳235710六年拿回1483800的IRR到底是多少??(我自己算1.37%)
用複利去算定存也的確沒錯
不知道是不是漏了甚麼??比方增值回饋分享金??那是啥我還沒搞懂??
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