[請益]美金躉繳儲蓄險之IRR

看板CFP作者smartvil ( )時間8年前 (2015/10/13 01:26)推噓1(1推 0噓 16→)

留言17則, 7人參與討論串1/1

最近各家保險公司推的躉繳3.6%儲蓄險不知道這樣計算對不對 IRR只有在25年的時候才有到達3.6% 滿六年第七年初還沒超過3% 滿七年第八年初才有3.181% 風險還有最近美金匯率較高未來美元轉弱會吃掉利率我的疑惑是看板上討論儲蓄險有些提到只有1.x%或是2.x% 如果是以下的結果是否我躉繳一次放八年就有超過3%的IRR 以下是excel計算出來的公式 IRR -5.703% -0.521% 1.290% 2.191% 2.673% 2.927% 3.181% 3.297% 3.346% 1 -17045 -17045 -17045 -17045 -17045 -17045 -17045 -17045 -17045 2 16073 0 0 0 0 0 0 0 0 3 16868 0 0 0 0 0 0 0 4 17713 0 0 0 0 0 0 5 18589 0 0 0 0 0 6 19448 0 0 0 0 7 20266 0 0 0 8 21223 0 0 9 22096 0 10 22922 IRR 3.387% 3.417% 3.457% 3.476% 3.494% 3.516% 3.528% 1 -17045 -17045 -17045 -17045 -17045 -17045 -17045 2 0 0 0 0 0 0 0 3 0 0 0 0 0 0 0 4 0 0 0 0 0 0 0 5 0 0 0 0 0 0 0 6 0 0 0 0 0 0 0 7 0 0 0 0 0 0 0 8 0 0 0 0 0 0 0 9 0 0 0 0 0 0 0 10 0 0 0 0 0 0 0 11 23782 0 0 0 0 0 0 12 24667 0 0 0 0 0 13 25629 0 0 0 0 14 26578 0 0 0 15 27567 0 0 16 28624 0 17 29684 IRR 3.545% 3.553% 3.565% 3.571% 3.580% 3.589% 3.596% 3.602% 1 -17045 -17045 -17045 -17045 -17045 -17045 -17045 -17045 2 0 0 0 0 0 0 0 0 3 0 0 0 0 0 0 0 0 4 0 0 0 0 0 0 0 0 5 0 0 0 0 0 0 0 0 6 0 0 0 0 0 0 0 0 7 0 0 0 0 0 0 0 0 8 0 0 0 0 0 0 0 0 9 0 0 0 0 0 0 0 0 10 0 0 0 0 0 0 0 0 11 0 0 0 0 0 0 0 0 12 0 0 0 0 0 0 0 0 13 0 0 0 0 0 0 0 0 14 0 0 0 0 0 0 0 0 15 0 0 0 0 0 0 0 0 16 0 0 0 0 0 0 0 0 17 0 0 0 0 0 0 0 0 18 30815 0 0 0 0 0 0 0 19 31952 0 0 0 0 0 0 20 33162 0 0 0 0 0 21 34381 0 0 0 0 22 35676 0 0 0 23 37023 0 0 24 38410 0 25 39854 -- ※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 60.251.197.91 ※ 文章網址: https://www.ptt.cc/bbs/CFP/M.1444670808.A.80F.html ※ 編輯: smartvil (60.251.197.91), 10/13/2015 01:26:59

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