Re: [心得] "精算"投資型保單費用(供參考)
投資型 (前收)
1.危險保費-各家不一(保額大的會有折扣)
2.管理費 -各家不一(800~1200,最多就1200一年)
3.前置費用-150％(幾乎一樣)
優點：
1.12次免轉換費用,這功能見仁見智,有些高手一年不用管理正報酬,我無話可說
相對於今年盤整這麼大,這功能完全佔上風~科科
2.加值給付,這給付有些版友不以為意,長期需要壽險+投資的人,
加值給付是可以把前置費用cover掉的
投資型好處是可以把成本先計算出來
如果要繳短年期投機...也不要買基金了
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