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作者 ffaarr 在 PTT [ Insurance ] 看板的留言(推文), 共61則
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收起看板(673)
2F→: 業務是不對。但美元標的必須要30以下買，並沒有這種事。01/02 10:37
3F→: 真正在高點還是低點都是事後才知道的。01/02 10:38
4F→: 不管是在32還是29，只要買美元產品就有匯率風險。01/02 10:39
6F→: 業務該作的事是提醒匯率風險的存在，而不是去猜高低點。01/02 10:40
12F→: 大家都知道的事也不能作準就算是買在29一樣要注意匯率風險01/02 10:43
13F→: 如果區間有這麼準就不用買保險了，炒外匯賺最快。01/02 10:44
14F→: 不管買在多少，沒提醒匯率風險就賣人美金保單就是不對。01/02 10:45
18F→: 想要賺得比台幣定存多就一定會有某種風險，沒這個認知的話01/02 11:09
19F→: 不管投資啥都一樣，就像你說如果8000點台股要all in，風險01/02 11:10
20F→: 就絕對比美元保單還要大。01/02 11:11
22F→: 當時匯率是32元，就代表這價錢有一半的人買一半的人賣。01/02 11:13
24F→: 所以不可能32賣美金就是詐騙，重點是有沒有事先了解風險。01/02 11:16
25F→: 你當初對美金的預期又是什麼？（都不會跌？還是？）01/02 11:17
26F→: 如果短期帳面虧損不能接受，勸你別再像股版講的要買定存股01/02 11:19
27F→: 如果你的預期是買了美金保單美金不能跌，那賣給你的業務當01/02 11:22
28F→: 然是賣了不適合你的產品，該負責任，無關是32還是29。01/02 11:22
13F推: 6年期就是6年之後到期，不代表繳6次吧。09/13 23:23
14F推: 6期 不等於 6年期09/13 23:25
27F推:推一個！11/11 21:50
96F→:Y大，這個應該不是邏輯而是簡單數學問題，沒那麼難懂吧。07/07 23:43
39F噓:跳針真的太嚴重了…看一、二段就快受不了了。07/07 16:50
46F→:Y大，講了半天還是沒看到你講的優點在那…06/29 23:30
48F→:文我全部看完了，但連一點看不到能說服我的。06/29 23:33
49F→:除了「感覺」以外。06/29 23:33
56F→:或者你可以舉一種狀況啊…除了感覺以外，我知道很多時候有06/29 23:37
57F→:人愛保終身險就是「感覺」比較好。這部分我已經知道。06/29 23:38
59F→:還有一種就是這篇提到，在利率高保費低的的時候保。06/29 23:38
60F→:那可能會有利，但目前利率超低點，這個好處就沒了。06/29 23:39
61F→:現在保終身險和十年前正相反，可能會繳在保費最貴的時候06/29 23:40
62F→:所以在長期產品有這個利率風險的情況下，應該要有更明確的06/29 23:42
64F→:理由來支持終身險吧？06/29 23:42
77F→:定期：保費低、利率風險小、彈性大。這三者都很明確吧。06/29 23:49
85F→:正是因為有機會爬昇所以現在不該買終身險啊？06/29 23:54
88F→:用醫療險儲險？06/29 23:55
91F→:不買保險就會花掉的人，能繳完20年的有多少？06/29 23:56
94F→:儲蓄險的壽險保障只比沒有多一點而已…06/29 23:57
95F→:還會讓人以為自己保障很夠了。06/29 23:57
98F→:所以這個理由還是感覺啊…。06/29 23:58
102F→:好處就是讓他感覺很好，但實際上保障不夠。06/29 23:58
111F→:儲蓄險一樣是現在買要負擔利率風險。06/30 00:02
114F→:挑利率高的時候買，合理，現在根本不是。06/30 00:02
120F→:沒錢可用還談什麼保險，而且真要談保障，儲蓄險幾乎沒有06/30 00:03
12F→:買定期壽險省下來的錢放銀行還不夠後事？如果這樣的話生前04/01 10:28
13F→:的生活就有問題了，終身保費真的付得出來嗎？04/01 10:30
14F→:錢都去繳終身壽險保費然後老年沒生活費還不是要轉嫁別人。04/01 10:32
24F→:…看不懂03/29 23:39
37F→:買定期壽險省下來的錢放銀行還不夠後事？如果這樣的話生前04/01 10:28
38F→:的生活就有問題了，終身保費真的付得出來嗎？04/01 10:30
39F→:錢都去繳終身壽險保費然後老年沒生活費還不是要轉嫁別人。04/01 10:32
40F→:通篇都是用「感覺」寫出來的，請問能不能實際計算一下。04/01 10:32
25F→:…看不懂03/29 23:39
6F→:養老險irr那有一定贏定存，先假設都不會昇息？那我可以先假03/28 09:53
7F→:設買樂透會中所以去買？流動性沒風險？提前要用錢解約不就03/28 09:54
8F→:虧錢了？03/28 09:54