[討論] 國泰 月月康利變額年金已刪文
大家好!!
我今年30歲,手上有60萬的閒錢了,經業務介紹,想購買國泰的月月康利變額年金
業務介紹的重點有:
每月撥回保額的0,417%,每年約5%
加值給付1~3年0.2%,4~年0.5%
淨值超過10.3,撥回0.1%
缺點是
1~3年每年扣1.2%的管理費,共3.6%
1~3年解約,扣5~2%的解約金
因為是投資型保單,有虧損風險,但國泰保證(每年?每月?)虧損不超過保價金10%,超過
國泰自行吸收
我看過此保單的投資標的只有一檔
委託國泰投資帳戶-MIT多元收益組合(現金撥回)
https://www.cathaylife.com.tw/life/wps/B2CWeb/fundDetailData?fundId=ACU006&fun
看到淨值大約是9.4左右,這樣績效好嗎? 值得購買嗎?
補充:這張保單是躉繳的,前置費用目前看來只有他說的3.6%,不知是否還有隱藏費用??
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06/18 09:27, , 1F
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06/18 09:28, , 2F
06/18 09:28, 2F
※ 編輯: cs2260cs (49.219.88.59), 06/18/2016 10:34:54
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06/18 11:08, , 3F
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06/18 11:19, , 4F
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06/18 11:19, , 5F
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是,達到10.3很難,我一開始就沒算進,重點在每月0.417跟每年0.5
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06/18 11:28, , 6F
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06/18 11:36, , 19F
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好的,我會比較看看,感謝提供新資訊
※ 編輯: cs2260cs (49.219.88.59), 06/18/2016 11:40:34
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還有 28 則推文
還有 1 段內文
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06/18 20:55, , 64F
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06/18 21:11, , 80F
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06/19 09:51, , 96F
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06/19 09:51, , 97F
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06/19 09:51, , 98F
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06/19 09:54, , 99F
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06/19 09:54, , 101F
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06/19 09:56, , 102F
06/19 09:56, 102F
※ 編輯: cs2260cs (49.217.177.54), 06/19/2016 11:31:51
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