[心得] 最近六年期儲蓄險很紅呀(二)消失
先特此澄清:
3.75% + 優惠3% = 6.75%,是我和我媽一開始的直覺反應,保險業務從來沒有說過
有6.75%的報酬率,小弟特此致歉和澄清!
在阿姨來之前,先把NB帶到客廳,開啟小算盤和Excel(Excel的IRR大絕已經standby)
進入正題,參考昨天網友的建議,先攻繳費期間六年之IRR。以33歲男性,應年繳
10400,優惠10193 (10400*0.99*0.99) 美金,並以國泰阿姨給的添美盛(前六年
無壽險,故無危險保費,否則IRR會更低)資料為例:
10193
10193
10193
10193
10193
10193
-65500,IRR = 1.96%
攻防開始:
我直接問六年期間的複利率是?阿姨一開始閃爍其辭,然後接著說,是2.65%。
我媽:你昨天不是說3.75%?阿姨:沒啦,那是期滿才有(我心想明明你昨天開口閉口
都是3.75%這個數字,而且明明只有2%而已,等你走了再拆穿你)...中間又一段
家常話省略。最後,我媽:兒子你的意見是?我:前六年複利太低,只有2%,第七年
才有3.75%......阿姨:沒拉,我主管說有2.65%,沒有2%這麼低啦!我...忍不住了,
開IRR大絕出來....中間拆穿人家的尷尬情形和我媽又開始碎碎念省略...
好啦,我過年後給你答覆,有需要會聯絡你。
:攻防結束
最後我再算他期滿後的利率,前五年
65500...3.78%
67975...3.75%
70525...3.72%
73150...3.76%
75900...3.75%
78750
結論:各位客倌如果要買儲蓄險,會跟這個阿姨買嗎?
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