Re: [問題] 投資型保單的標的選擇=.=
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07/09 09:46,
07/09 09:46
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07/09 09:47,
07/09 09:47
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07/09 09:47,
07/09 09:47
我看完了整個推文的討論串
我想我要表達的是投資基金是很簡單的一件事
買保險也是一件不困難的事
實在沒有必要買一個產品硬把投資和保險綁在一起
你說的沒有錯
時間凹的久
投資型保單就會回來
投資的複利價值隨著時間的推演基本上都是這樣的
今天如果有一個客人單純只想買一個壽險保障
預算不夠
或許投資型保單是可以考慮的選擇之一
一個月3000,4000就可以鎖住200萬,300萬的保障
是比傳統壽險便宜不少
但是投資型保單的手續費絕對沒有比投資股票或是單純基金投資便宜
業務員的拥金,基金扣款手續費,基金內扣的手續費/管理費,保單維持費用...
林林總總的項目
就投資的角度來看
個人十分不看好
就一個理性的投資者來看
基金的頻繁轉換也是多餘的
要短線操作
選擇其他流動性高,手續費較低的金融商品不是更好?
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討論串 (同標題文章)