長輩幫買了20年美元儲蓄險,該解約嗎? - 理財

By Kumar
at 2022-10-14T22:21
at 2022-10-14T22:21
Table of Contents
汝題
目前32歲,公務人員
月薪加上地域加給、主管加給,扣退撫和公保等雜項還剩7萬5左右
去年得知,2017年家中長輩幫我買了國泰20年的美元儲蓄險
(以我每個月固定會轉帳回去的2w所購買)
以下保單資訊之單位為美金:
1.保險金額70千元
2.商品預定利率3%(官網上所摘錄)
3.年繳保費1518元,已繳6次,共計9108元
看了一下保單覺得越想越不對勁,以現在狀況來看
20年期滿之後,儲蓄險利率還跟不上通膨的速度對不對?
照這樣下去是否實質購買力會下降,錢會越放越小...
但是看了一下保單解約金為5186元,9108-5186=3922
以目前匯率來算也被國泰吃掉12萬多
1.請問我該果斷解約,然後把錢轉向投資(同樣是以存股下去做)呢?
2.還是就捏著把這20年美金的儲蓄險給繳完呢?
對於理財不是很有概念,如有錯誤還請指正
再麻煩大家指教,謝謝!
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