大家好~
小妹在四個月前買了三商美邦 鑫世紀優利變額萬能終身壽險A型
20年期 年繳80400 說20年平均有6%-11%
當時是想..能夠儲蓄又有500萬的壽險
這幾年萬一發生什麼事也可以留給三歲的小孩繳房貸 我單親當時比較急著買..
但今天和業務連絡 業務突然說了一句 <其實也不能保證一定是正的>
<其實也不能保證一定是正的>
<其實也不能保證一定是正的>
什麼?!!! 瞬間傻眼
然後開始爬文做功課...一看完傻眼Q^Q
恨死當初急著買 (朋友介紹) 沒有好好做功課...
大家都建議是優體壽險+投資分開....投資型基金根本不可能到達6%-11%
因為我已經繳了第一年的80400了....剛看了契約書 雖然寫著解約不收取費用
但應該是要扣第一年保費59%嗎??
大家覺得我該解約拿去轉投資+定期壽險嗎?...先謝謝板上的前輩了
或是好好選幾檔基金讓獲利高一點呢?
目前業務推薦的是復華全球債卷基金50% 三商美邦人壽全球優勢組合50%
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※ 編輯: snow0428 (111.249.24.85), 02/23/2016 22:32:22
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