[討論] 南山 類定存保單
目前的存款約60萬,26歲女
南山的保險業務推薦我買他們家的「類定存」保單
一萬美元存三or四年 (多少年有點忘了,印象中是三年)
強調保本,以及用宣告利率去計算利息,會比存定存利率還高
但...最近因為想開始學著做些投資,買基金、股票等
還未開始,只是在研究階段
在想這種類定存保單真的有那麼好嘛?
很怕有自己看不到的細節內容沒注意到
其實並不像業務說的那樣計保本利率又較好
因為若買了一萬美元,等於存款近一半都放在那無法動彈
畢竟年限到前解約是會有解約金的,所以也不太可能提前解約
想問問板上對保險比較有研究的板友可以說說看這種保險的優缺嘛?
因為光聽業務說的,只會聽到優點,看不到實際缺點....
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※ 發信站: 批踢踢實業坊(ptt.cc)
◆ From: 114.40.246.23
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再補充說明一下未來的理財規畫好了...
因為現在才開始研究基金和股票,打算明年起就正式開始投資
但又沒有一開始投資股票基金就有超過10%投報率的信心
所以才想是不是將一半的存款放入類定存的儲蓄險裡
至少比定存的利率高一些
※ 編輯: chunjun 來自: 114.40.246.23 (04/18 11:14)
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因為未來三年這筆存款是不會拿來做其他運用
存投資的,所以才會想問清楚一點
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好的~那我再請業務詳細的說明一遍好了...
謝謝你們^__^
※ 編輯: chunjun 來自: 114.40.246.23 (04/18 11:35)
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我知道期限內解約是要付解約金的! 業務都有說明
當然如果確定要買就不會解約啦,這是一筆近期內都不會動到的錢
除了投資以外,不會用來做其他花費的支出
其他花費會由薪水解決的XD
※ 編輯: chunjun 來自: 114.40.246.23 (04/18 13:23)
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