Re: [請益]美元儲蓄險，能不能買?!
※ 引述《etmcierbi (etmcierbi)》之銘言：
: 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
年度 年齡 存款金額 累積存款 壽險 領回 累計 IRR (guess = 4%)
1 30 33,570 33,570 108,000 0 0 #NUM!
2 31 33,570 67,140 126,000 0 0 #NUM!
3 32 33,570 100,710 144,000 0 0 #NUM!
4 33 33,570 134,280 162,000 0 0 #NUM!
5 34 33,570 167,850 180,000 0 0 #NUM!
6 35 33,570 201,420 198,000 7,200 7,200 #NUM!
7 36 0 201,420 216,000 7,200 14,400 #NUM! -79.46% ●
8 37 0 201,420 234,000 7,200 21,600 #NUM! -55.59% G
9 38 0 201,420 252,000 7,200 28,800 #NUM! -41.76% u
10 39 0 201,420 270,000 7,200 36,000 #NUM! -32.81% e
11 40 0 201,420 270,000 7,200 43,200 #DIV/0! -26.50% s
12 41 0 201,420 270,000 7,200 50,400 #DIV/0! -21.82% s
13 42 0 201,420 270,000 7,200 57,600 #DIV/0! -18.21%│
14 43 0 201,420 270,000 7,200 64,800 #DIV/0! -15.35%└ =-90%
15 44 0 201,420 270,000 7,200 72,000 #DIV/0! -13.04%
16 45 0 201,420 270,000 7,200 79,200 #DIV/0! -11.13%
17 46 0 201,420 270,000 7,200 86,400 #DIV/0! -9.54%
18 47 0 201,420 270,000 7,200 93,600 #DIV/0! -8.19%
19 48 0 201,420 270,000 7,200 100,800 -7.04%
20 49 0 201,420 270,000 7,200 108,000 -6.05%
21 50 0 201,420 270,000 7,200 115,200 -5.19%
22 51 0 201,420 270,000 7,200 122,400 -4.44%
23 52 0 201,420 270,000 7,200 129,600 -3.77%
24 53 0 201,420 270,000 7,200 136,800 -3.19%
25 54 0 201,420 270,000 7,200 144,000 -2.67%
26 55 0 201,420 270,000 7,200 151,200 -2.20%
27 56 0 201,420 270,000 7,200 158,400 -1.79%
28 57 0 201,420 270,000 7,200 165,600 -1.41%
29 58 0 201,420 270,000 7,200 172,800 -1.07%
30 59 0 201,420 270,000 7,200 180,000 -0.76%
31 60 0 201,420 270,000 7,200 187,200 -0.48%
32 61 0 201,420 270,000 7,200 194,400 -0.23%
33 62 0 201,420 270,000 7,200 201,600 0.01%
34 63 0 201,420 270,000 7,200 208,800 0.22%
35 64 0 201,420 270,000 7,200 216,000 0.42%
36 65 0 201,420 270,000 7,200 223,200 0.60%
37 66 0 201,420 270,000 7,200 230,400 0.76%
38 67 0 201,420 270,000 7,200 237,600 0.92%
39 68 0 201,420 270,000 7,200 244,800 1.06%
40 69 0 201,420 270,000 7,200 252,000 1.19%
41 70 0 201,420 270,000 7,200 259,200 1.31%
42 71 0 201,420 270,000 7,200 266,400 1.43%
43 72 0 201,420 270,000 7,200 273,600 1.53%
44 73 0 201,420 270,000 7,200 280,800 1.63%
45 74 0 201,420 270,000 7,200 288,000 1.73%
46 75 0 201,420 270,000 7,200 295,200 1.81%
47 76 0 201,420 270,000 7,200 302,400 1.89%
48 77 0 201,420 270,000 7,200 309,600 1.97%
49 78 0 201,420 270,000 7,200 316,800 2.04%
50 79 0 201,420 270,000 7,200 324,000 2.11%
51 80 0 201,420 270,000 7,200 331,200 2.17%
52 81 0 201,420 270,000 7,200 338,400 2.23%
53 82 0 201,420 270,000 7,200 345,600 2.29%
54 83 0 201,420 270,000 7,200 352,800 2.34%
55 84 0 201,420 270,000 7,200 360,000 2.39%
56 85 0 201,420 270,000 7,200 367,200 2.44%
57 86 0 201,420 270,000 7,200 374,400 2.48%
58 87 0 201,420 270,000 7,200 381,600 2.52%
59 88 1 201,421 270,001 7,200 388,800 2.52%
60 89 2 201,423 270,002 7,200 396,000 2.52%
61 90 3 201,426 270,003 7,200 403,200 2.52%
62 91 4 201,430 270,004 7,200 410,400 2.52%
63 92 5 201,435 270,005 7,200 417,600 2.52%
64 93 6 201,441 270,006 7,200 424,800 2.52%
65 94 7 201,448 270,007 7,200 432,000 2.52%
66 95 8 201,456 270,008 7,200 439,200 2.52%
67 96 9 201,465 270,009 7,200 446,400 2.52%
68 97 10 201,475 270,010 7,200 453,600 2.52%
69 98 11 201,486 270,011 7,200 460,800 2.52%
70 99 12 201,498 270,012 7,200 468,000 2.52%
71 100 13 201,511 270,013 7,200 475,200 2.52%
--
渴望飛翔在自由的風中，
期望逃離這拘束的現實，
一切都讓他隨著風而去，
獨自躲在黑暗的空氣中，
舔舐被狠狠撕裂的傷口。
--
※ 發信站: 批踢踢實業坊(ptt.cc)
◆ From: 118.167.24.220
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如果要考慮解約的話，保險公司不可能把帳戶價值全數折現，
那不知道哪邊可以抓到每一年解約所能取回的現金對照表呢??
以銀行定存1%計算
連續存6年 33,570，
每年取回 7,200，
需要34年的時間取回本金相同的金額
需要40年的時間取完殘餘的利息。
不論哪一年度選擇全數取回，IRR均為 1%
若本期全數取回
年度 操作 帳戶價值 IRR 累積現金流 所得利息
1 -33,570 33,906 #NUM! - 33,570
2 -33,570 68,151 #NUM! - 67,140 336
3 -33,570 102,738 #NUM! -100,710 1,011
4 -33,570 137,671 #NUM! -134,280 2,028
5 -33,570 172,953 #NUM! -167,850 3,391
6 -33,570 208,588 #NUM! -201,420 5,103
7 7,200 203,402 -82.34% -194,220 7,168
8 7,200 198,164 -57.88% -187,020 9,182
9 7,200 192,874 -43.38% -179,820 11,144
10 7,200 187,531 -34.02% -172,620 13,054
11 7,200 182,134 -27.48% -165,420 14,911
12 7,200 176,683 -22.63% -158,220 16,714
13 7,200 171,178 -18.91% -151,020 18,463
14 7,200 165,618 -15.96% -143,820 20,158
15 7,200 160,002 -13.58% -136,620 21,798
16 7,200 154,330 -11.63% -129,420 23,382
17 7,200 148,601 - 9.99% -122,220 24,910
18 7,200 142,815 - 8.61% -115,020 26,381
19 7,200 136,971 - 7.43% -107,820 27,795
20 7,200 131,069 - 6.42% -100,620 29,151
21 7,200 125,108 - 5.54% - 93,420 30,449
22 7,200 119,087 - 4.76% - 86,220 31,688
23 7,200 113,006 - 4.09% - 79,020 32,867
24 7,200 106,864 - 3.49% - 71,820 33,986
25 7,200 100,661 - 2.95% - 64,620 35,044
26 7,200 94,396 - 2.48% - 57,420 36,041
27 7,200 88,068 - 2.05% - 50,220 36,976
28 7,200 81,677 - 1.66% - 43,020 37,848
29 7,200 75,222 - 1.32% - 35,820 38,657
30 7,200 68,702 - 1.00% - 28,620 39,402
31 7,200 62,117 - 0.71% - 21,420 40,082
32 7,200 55,466 - 0.45% - 14,220 40,697
33 7,200 48,749 - 0.21% - 7,020 41,246
34 7,200 41,964 0.01% 180 41,729
35 7,200 35,112 0.21% 7,380 42,144
36 7,200 28,191 0.39% 14,580 42,492
37 7,200 21,201 0.56% 21,780 42,771
38 7,200 14,141 0.72% 28,980 42,981
39 7,200 7,010 0.87% 36,180 43,121
40 7,010 - 1.00% 43,190 43,190
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※ 編輯: csihcs 來自: 118.167.17.48 (11/29 13:12)
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