[閒聊] 六年期美元計價儲蓄險保單的選擇?
近期美元強勢，美元計價的儲蓄險(每隔一段時間領回部分，類年金險 或 期間不領回)，
的保險似乎有越來越多人詢問與購買的趨勢，各位會考慮未來一段時間美元還能創新高
的趨勢下，買近這類持續繳六年的保單商品? 即便預定利率大於3或4%...
個人認為風險太高，理由是
1. 美元不知道會漲到哪，但越往上漲每年買到的單位數就越少 (假設每年買10萬台幣)
或買到的成本就越高 (假設每年買十萬塊)
2. 近期處於歷史相對高點，為了3或4%多一些些的利率 或 到期不領回持續享受複利
需承擔的較高匯率風險
近期我也看好美元，但或許不是這麼長的時間，但身邊有不少人進場買了這類型的商品，
各位仁人先進有何看法?
ps. 像這種六年期的商品，與其放美元，個人更偏好將長期閒置不用的資金投資在澳幣上..
--
※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 223.140.134.111
※ 文章網址: https://www.ptt.cc/bbs/ForeignEX/M.1426079525.A.63F.html
→
03/11 21:16, , 1F
03/11 21:16, 1F
→
03/11 21:18, , 2F
03/11 21:18, 2F
→
03/11 21:18, , 3F
03/11 21:18, 3F
→
03/11 21:30, , 4F
03/11 21:30, 4F
推
03/11 21:38, , 5F
03/11 21:38, 5F
→
03/11 21:40, , 6F
03/11 21:40, 6F
→
03/11 21:48, , 7F
03/11 21:48, 7F
推
03/11 22:22, , 8F
03/11 22:22, 8F
→
03/11 23:36, , 9F
03/11 23:36, 9F
→
03/12 00:06, , 10F
03/12 00:06, 10F
推
03/12 00:12, , 11F
03/12 00:12, 11F
推
03/12 00:29, , 12F
03/12 00:29, 12F
→
03/12 00:37, , 13F
03/12 00:37, 13F
推
03/12 00:38, , 14F
03/12 00:38, 14F
→
03/12 00:39, , 15F
03/12 00:39, 15F
推
03/12 00:48, , 16F
03/12 00:48, 16F
→
03/12 00:49, , 17F
03/12 00:49, 17F
推
03/12 00:52, , 18F
03/12 00:52, 18F
→
03/12 00:55, , 19F
03/12 00:55, 19F
→
03/12 00:55, , 20F
03/12 00:55, 20F
推
03/12 01:02, , 21F
03/12 01:02, 21F
推
03/12 01:04, , 22F
03/12 01:04, 22F
推
03/12 01:20, , 23F
03/12 01:20, 23F
→
03/12 01:22, , 24F
03/12 01:22, 24F
→
03/12 01:22, , 25F
03/12 01:22, 25F
推
03/12 08:11, , 26F
03/12 08:11, 26F
→
03/12 08:13, , 27F
03/12 08:13, 27F
→
03/12 08:13, , 28F
03/12 08:13, 28F
→
03/12 08:15, , 29F
03/12 08:15, 29F
→
03/12 08:19, , 30F
03/12 08:19, 30F
→
03/12 08:20, , 31F
03/12 08:20, 31F
→
03/12 08:21, , 32F
03/12 08:21, 32F
→
03/12 08:23, , 33F
03/12 08:23, 33F
→
03/12 08:23, , 34F
03/12 08:23, 34F
推
03/12 11:27, , 35F
03/12 11:27, 35F
→
03/12 12:00, , 36F
03/12 12:00, 36F
→
03/12 12:00, , 37F
03/12 12:00, 37F