[請益] 關於我的富X 儲蓄險
板上大大好~小弟26歲 目前平均月薪30000
固定支出如下
10K 孝親費
5K 區域型基金
8K 生活費+交通費+娛樂哩哩扣扣
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Total 23000
剩下7千 基本上就是丟銀行 現在小弟想說 每個月在剝一些錢出來買儲蓄險
希望各位前輩 可以給我指點指點...
以下是富X人壽 的外幣增額終身壽險(六年期) 保額 年繳保費
計價單位:美元 1.4萬 1857
年度 保險年齡 年度實繳 累積實繳保險費 身故/完殘 年度末解約金
1 26 歲 1838 1838 1914 822
2 27 1838 3676 3828 2451
3 28 1838 5514 5740 4341
4 29 1838 7352 7654 6504
5 30 1838 9190 9568 8954
6 31 1838 11028 11710 11710
7 32 1838 11028 14000 12145
-
-
-
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40 65 - 11028 47600 37867
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總保費應該是1857 * 6 = 11142 美元
如果到第六年期解約 11710 - 11142 = 568 美元 也就是多出來的利息
利息/總保費 568 / 11142 = 0.05 (我認為的報酬率或是年息之類的)
小弟 不太會算 我先以我觀點下去算 但覺得滿錯誤的..
可以交我怎求或怎看這張保單 我看過有些文章提到保險終是保險 如果按照6年期就領出
肯定沒啥收穫 而且還被綁死六年 只是之後的複利滾存 是真的有3.7%在跑呢?
感謝各位大大看完全文 感恩
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※ 編輯: JustTako 來自: 58.115.50.217 (07/15 23:20)
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