郵局六年吉利儲蓄險,要解約還是減額繳清? - 投資

By Ingrid
at 2012-02-15T01:54
at 2012-02-15T01:54
Table of Contents
我可以先問你,煩惱什麼嗎?
利息太少嗎???
剛試算了一下報酬率很低,但是這檔算是有結合保險,
嚴格來說並不會不划算,等於用利息買保險,
如果你是以投資的角度去買,當初應該自己就要去算好,
既然都已經買了,請問你會有再額外投資嗎?
如果你有把握把錢拿去更好的地方運用,
那很歡迎你解掉去投資,你會來這裡問,代表你是相當保守的投資人,
那你何不抱到6年結束呢?就當強迫儲蓄,
有時候強迫儲蓄的結果,比你在那亂投資強多了,
郵局這檔我認為買的CP還是有,畢竟只要繳6年,
比你去買保險的10~20年好多了,
你的問題版友無法幫你,而是你目前是以什麼心態去買這份保險,
想清楚自然就知道該不該繳完剩下的尾款,你目前有資金需求嗎?
沒有何不滿滿繳,就像是房貸一樣,
難到保證買房子一定漲嗎?但是付完房貸往往房子就是你的,
很可能同年紀還在亂花錢,看你願不願意用強迫儲蓄去看待這件事情。
--
利息太少嗎???
剛試算了一下報酬率很低,但是這檔算是有結合保險,
嚴格來說並不會不划算,等於用利息買保險,
如果你是以投資的角度去買,當初應該自己就要去算好,
既然都已經買了,請問你會有再額外投資嗎?
如果你有把握把錢拿去更好的地方運用,
那很歡迎你解掉去投資,你會來這裡問,代表你是相當保守的投資人,
那你何不抱到6年結束呢?就當強迫儲蓄,
有時候強迫儲蓄的結果,比你在那亂投資強多了,
郵局這檔我認為買的CP還是有,畢竟只要繳6年,
比你去買保險的10~20年好多了,
你的問題版友無法幫你,而是你目前是以什麼心態去買這份保險,
想清楚自然就知道該不該繳完剩下的尾款,你目前有資金需求嗎?
沒有何不滿滿繳,就像是房貸一樣,
難到保證買房子一定漲嗎?但是付完房貸往往房子就是你的,
很可能同年紀還在亂花錢,看你願不願意用強迫儲蓄去看待這件事情。
--
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