Re: [請益] 關於投資型保險的問題
看到大家的爭議,又跑去翻保單~~XD
以我的例子來說100萬壽險與投資基金
每個月2000元..年付24000
第一年保費80%
第二年保費30%
第三年以後 保費6%
^^^^^^^^^^^^^^^^^^^
我竟然漏記這一條 = =+
約定要扣十年。
算了算,我是總共用了37920去買一百萬的死險(應該沒算錯)
PS...<<<是十歲小孩的名義去投保>>>
孩子的醫療附加(則是在我的個人保單裡)
這樣算一算,剩餘的二十多萬去投資買基金,
十年後的收獲是個謎??
選擇的是坦伯頓成長與拉美基金
投資型保單就買這一張
我當然不會奢望投資型保單可以保障我以後的退休金
其他的是保單歸保單、基金歸基金
每個月另有三支基金在銀行定期定額扣款,
東協、富達新興市、坦伯頓成長
而我的感想是....投資型保單也沒那麼差啦
對一個想投資又想要有保障,每個月沒什麼預算的朋友
真的聽來很迷人....XD
還有買了之後,解約損失的一定是自己
除非是付不出來,才考慮解約
除非是投保者年紀過大,保費繳很多(這個就要注意)
另外,投資是一定要的,而保險也一定要的
至於如何規劃才適合自己,真的要做好功課
--
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