[請益]美元儲蓄險,能不能買?!
最近在考慮要不要買美元儲蓄,
小妹25歲,以下是以保險業務以我姐30歲為範本打的
每年存個三萬多,以美元的匯率可能成本會有小變動!
六年後花的成本是$201420
六年後帳戶價值是$210510(六年賺了9090,利息?!)
之後在完全不動用這筆錢的前提下,
六年後可每年領回7200的利息(這是誘因!!)
活越久可領多!!(2012不是末日的話,前提還是不能動到的帳戶價值金)
這是三商的,業務說這份是4%的利率,明年就沒有這麼好的利率了
我到底該不該買!!之前有買投資型保單認賠5萬解約的慘痛經驗!!
美元儲蓄專案 美元:台幣(1:30)
年度 年齡 存款金額 壽險保障 年 末 年 末 帳戶價值 與銀行(1%)
領回利息 累計領回 相比較
1 30 33,570 33,570 108,000 0 0 21,960 21,960 33906
2 31 33,570 67,140 126,000 0 0 50,130 50,130 68150
3 32 33,570 100,710 144,000 0 0 82,170 82,170 102738
4 33 33,570 134,280 162,000 0 0 118,170 118,170 137671
5 34 33,570 167,850 180,000 0 0 158,580 158,580 172953
6 35 33,570 201,420 198,000 7,200 7,200 203,310 210,510 201388
7 36 0 216,000 7,200 14,400 203,940 218,340 196202
8 37 0 234,000 7,200 21,600 204,570 226,170 190964
9 38 0 252,000 7,200 28,800 205,290 234,090 185674
10 39 0 270,000 7,200 36,000 205,920 241,920 180331
11 40 0 270,000 7,200 43,200 206,550 249,750 174934
12 41 0 270,000 7,200 50,400 207,270 257,670 169483
13 42 0 270,000 7,200 57,600 207,990 265,590 163978
14 43 0 270,000 7,200 64,800 208,710 273,510 158418
15 44 0 270,000 7,200 72,000 209,520 281,520 152802
16 45 0 270,000 7,200 79,200 210,240 289,440 147130
17 46 0 270,000 7,200 86,400 211,050 297,450 141401
18 47 0 270,000 7,200 93,600 211,860 305,460 135615
19 48 0 270,000 7,200 100,800 212,760 313,560 129772
20 49 0 270,000 7,200 108,000 213,570 321,570 123869
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