Zi 字媒體

躉繳美金儲蓄險新光人壽美富109外幣利率變動型終身壽險IRR分析 – 儲蓄保險王

2021/12/25

amdhammerpixnetnetblog

建議書由保經業務提供,

若需推薦,請至儲蓄保險王粉絲團私訊

看完建議書,看高保費折扣:

躉繳1.3萬美金~39萬台幣: 0.2%

躉繳13萬美金~390萬台幣: 0.6%

39萬台幣,不算很高的門檻,

就有0.2%折扣

以上建議書享有0.2%折扣

最低投保金額3000美金

Let’s cut the shit.

直接看這張保單的IRR

FB: 儲蓄保險王.正義真話侠賴: @wvr5039s

宣告表定保費 100.2 折扣解約金

3.30% 實繳保費 100.0 0.2% 增加率

年解約金 IRR 總報酬率

1 79.6 -20.40% -20.40%

2 100.33 0.17% 0.33%

3 104.7 1.54% 4.70%

4 108.19 1.99% 8.19% 3.33%

5 111.81 2.26% 11.81% 3.35%

6 116.58 2.59% 16.58% 4.27%

7 120.46 2.69% 20.46% 3.33%

8 124.46 2.77% 24.46% 3.32%

9 128.6 2.83% 28.60% 3.33%

10 132.88 2.88% 32.88% 3.33%

11 137.3 2.92% 37.30% 3.33%

12 141.87 2.96% 41.87% 3.33%

13 146.58 2.99% 46.58% 3.32%

14 151.46 3.01% 51.46% 3.33%

15 156.5 3.03% 56.50% 3.33%

16 161.7 3.05% 61.70% 3.32%

17 167.08 3.07% 67.08% 3.33%

18 172.63 3.08% 72.63% 3.32%

19 178.37 3.09% 78.37% 3.33%

20 184.31 3.10% 84.31% 3.33%

這張美富109

短短兩年就保本

三年IRR 1.54%約同美金定存

六年IRR 2.6%

解約金增加率約3.33%

這個數字有何意義呢?

請見: 儲蓄險的流動性

如果你認為區區3000美金,

兩年就保本

這也稱得上流動性風險

請看高費用又課稅又低利的債券ETF

匯費如何造成低利債券ETF

三年仍虧損,

四年剛保本

並且真實地減損長期報酬率

如果你認為六年IRR 2.6%太低

請看債券ETF殖利率一覽表

說不定你正在投資

比儲蓄險利率更低且扣30%稅

還要外扣匯費,價差的債券ETF

如果你不知道當今殖利率就是

債券ETF未來報酬率的最佳預測指標

請見: 只看後照鏡開車的怪老子

如果你是要特別股或存骨

跟固定收益的儲蓄險比較

多頭年代,猴子都能當股神

你連最基本波動風險都沒搞清楚

跟射飛鏢選股的猴子沒有兩樣

請看班.卡爾森於投資前最重要的事

如何闡述“長期報酬率最低的”現金?

要談投資?怕你的績效沒比我好

儲蓄保險王在TD Ameritrade投資第八年了

歷經英國脫歐，歐債風暴，中美貿易戰……

這些空頭洗禮過

21支股市/REITS全數正報酬

最高的是VTI 117%翻倍有餘

在etoro建立類似TD的投資組合

回測該組合2019年報酬率為24.5%

擊敗許多etoro榜上有名的明星投資人

但投資比儲蓄的人

仍是射飛鏢選股的猴子

美富109跟美金定存1.55%比較:

儲蓄保險王.正義真話侠儲蓄保險王

宣告賴: @wvr5039s 賴: @wvr5039s

3.3% 定存利率 1.55% 美富109勝出

年本利和總報酬率絕對利差相對利差

1 101.55 1.55% NA NA

2 103.12 3.12% NA NA

3 104.72 4.72% NA NA

4 106.35 6.35% 0.46% 29.07%

5 107.99 7.99% 0.76% 47.74%

6 109.67 9.67% 1.15% 71.50%

7 111.37 11.37% 1.30% 79.99%

8 113.09 13.09% 1.42% 86.81%

9 114.85 14.85% 1.53% 92.64%

10 116.63 16.63% 1.63% 97.75%

11 118.43 18.43% 1.72% 102.34%

12 120.27 20.27% 1.80% 106.56%

13 122.13 22.13% 1.88% 110.44%

14 124.03 24.03% 1.96% 114.17%

15 125.95 25.95% 2.04% 117.73%

16 127.90 27.90% 2.11% 121.13%

17 129.88 29.88% 2.19% 124.46%

18 131.90 31.90% 2.26% 127.70%

19 133.94 33.94% 2.34% 130.89%

20 136.02 36.02% 2.41% 134.08%

六年絕對利差勝出定存1.15%

相對利差勝出72%

11年絕對利差勝出定存1.72%

相對利差勝出102%

也就是利息是定存的2倍

20年絕對利差勝出定存2.41%

相對利差勝出134%

也就是利息是定存的2.34倍

不同折扣IRR統整在前:

FB: 儲蓄保險王.正義真話侠

門檻 13萬 1.3萬 3000

折扣 0.6% 0.2% 0%

年 IRR IRR IRR

1 -20.08% -20.40% -20.56%

2 0.37% 0.17% 0.06%

3 1.68% 1.54% 1.48%

4 2.09% 1.99% 1.94%

5 2.34% 2.26% 2.22%

6 2.66% 2.59% 2.56%

7 2.75% 2.69% 2.67%

8 2.82% 2.77% 2.75%

9 2.88% 2.83% 2.81%

10 2.92% 2.88% 2.86%

11 2.96% 2.92% 2.91%

12 2.99% 2.96% 2.94%

13 3.02% 2.99% 2.97%

14 3.04% 3.01% 3.00%

15 3.06% 3.03% 3.02%

16 3.08% 3.05% 3.04%

17 3.09% 3.07% 3.05%

18 3.10% 3.08% 3.07%

19 3.11% 3.09% 3.08%

20 3.13% 3.10% 3.09%

以下將折扣改為0%:

FB: 儲蓄保險王.正義真話侠賴: @wvr5039s

宣告表定保費 100.2 折扣解約金

3.30% 實繳保費 100.2 0.0% 增加率

年解約金 IRR 總報酬率

1 79.6 -20.56% -20.56%

2 100.33 0.06% 0.13%

3 104.7 1.48% 4.49%

4 108.19 1.94% 7.97% 3.33%

5 111.81 2.22% 11.59% 3.35%

6 116.58 2.56% 16.35% 4.27%

7 120.46 2.67% 20.22% 3.33%

8 124.46 2.75% 24.21% 3.32%

9 128.6 2.81% 28.34% 3.33%

10 132.88 2.86% 32.61% 3.33%

11 137.3 2.91% 37.03% 3.33%

12 141.87 2.94% 41.59% 3.33%

13 146.58 2.97% 46.29% 3.32%

14 151.46 3.00% 51.16% 3.33%

15 156.5 3.02% 56.19% 3.33%

16 161.7 3.04% 61.38% 3.32%

17 167.08 3.05% 66.75% 3.33%

18 172.63 3.07% 72.29% 3.32%

19 178.37 3.08% 78.01% 3.33%

20 184.31 3.09% 83.94% 3.33%

以下將折扣改為0.6%:

FB: 儲蓄保險王.正義真話侠賴: @wvr5039s

宣告表定保費 100.2 折扣解約金

3.30% 實繳保費 99.6 0.6% 增加率

年解約金 IRR 總報酬率

1 79.6 -20.08% -20.08%

2 100.33 0.37% 0.73%

3 104.7 1.68% 5.12%

4 108.19 2.09% 8.63% 3.33%

5 111.81 2.34% 12.26% 3.35%

6 116.58 2.66% 17.05% 4.27%

7 120.46 2.75% 20.95% 3.33%

8 124.46 2.82% 24.96% 3.32%

9 128.6 2.88% 29.12% 3.33%

10 132.88 2.92% 33.42% 3.33%

11 137.3 2.96% 37.85% 3.33%

12 141.87 2.99% 42.44% 3.33%

13 146.58 3.02% 47.17% 3.32%

14 151.46 3.04% 52.07% 3.33%

15 156.5 3.06% 57.13% 3.33%

16 161.7 3.08% 62.35% 3.32%

17 167.08 3.09% 67.75% 3.33%

18 172.63 3.10% 73.33% 3.32%

19 178.37 3.11% 79.09% 3.33%

20 184.31 3.13% 85.05% 3.33%

#新光人壽美富109: https://savingking.com.tw/blog/post/skl_109_irr

#etoro超強刷卡入金攻略: https://savingking.com.tw/blog/post/etoro

#開戶etoro: http://partners.etoro.com/A82258_TClick.aspx

#etoro一鍵跟單: http://bit.ly/2QNVyq4

#投資前最重要的事： bit.ly/2BQ2fiA

桃園 qq 地點貓咪桃園市 taoyuan xuan 根部尾巴有大桃園旅遊景點

FB: 儲蓄保險王.正義真話侠			賴: @wvr5039s
宣告	表定保費	100.2	折扣	解約金
3.30%	實繳保費	100.0	0.2%	增加率
年	解約金	IRR	總報酬率
1	79.6	-20.40%	-20.40%
2	100.33	0.17%	0.33%
3	104.7	1.54%	4.70%
4	108.19	1.99%	8.19%	3.33%
5	111.81	2.26%	11.81%	3.35%
6	116.58	2.59%	16.58%	4.27%
7	120.46	2.69%	20.46%	3.33%
8	124.46	2.77%	24.46%	3.32%
9	128.6	2.83%	28.60%	3.33%
10	132.88	2.88%	32.88%	3.33%
11	137.3	2.92%	37.30%	3.33%
12	141.87	2.96%	41.87%	3.33%
13	146.58	2.99%	46.58%	3.32%
14	151.46	3.01%	51.46%	3.33%
15	156.5	3.03%	56.50%	3.33%
16	161.7	3.05%	61.70%	3.32%
17	167.08	3.07%	67.08%	3.33%
18	172.63	3.08%	72.63%	3.32%
19	178.37	3.09%	78.37%	3.33%
20	184.31	3.10%	84.31%	3.33%

儲蓄保險王.正義真話侠			儲蓄保險王
宣告	賴: @wvr5039s		賴: @wvr5039s
3.3%	定存利率	1.55%	美富109勝出
年	本利和	總報酬率	絕對利差	相對利差
1	101.55	1.55%	NA	NA
2	103.12	3.12%	NA	NA
3	104.72	4.72%	NA	NA
4	106.35	6.35%	0.46%	29.07%
5	107.99	7.99%	0.76%	47.74%
6	109.67	9.67%	1.15%	71.50%
7	111.37	11.37%	1.30%	79.99%
8	113.09	13.09%	1.42%	86.81%
9	114.85	14.85%	1.53%	92.64%
10	116.63	16.63%	1.63%	97.75%
11	118.43	18.43%	1.72%	102.34%
12	120.27	20.27%	1.80%	106.56%
13	122.13	22.13%	1.88%	110.44%
14	124.03	24.03%	1.96%	114.17%
15	125.95	25.95%	2.04%	117.73%
16	127.90	27.90%	2.11%	121.13%
17	129.88	29.88%	2.19%	124.46%
18	131.90	31.90%	2.26%	127.70%
19	133.94	33.94%	2.34%	130.89%
20	136.02	36.02%	2.41%	134.08%

FB: 儲蓄保險王.正義真話侠
門檻	13萬	1.3萬	3000
折扣	0.6%	0.2%	0%
年	IRR	IRR	IRR
1	-20.08%	-20.40%	-20.56%
2	0.37%	0.17%	0.06%
3	1.68%	1.54%	1.48%
4	2.09%	1.99%	1.94%
5	2.34%	2.26%	2.22%
6	2.66%	2.59%	2.56%
7	2.75%	2.69%	2.67%
8	2.82%	2.77%	2.75%
9	2.88%	2.83%	2.81%
10	2.92%	2.88%	2.86%
11	2.96%	2.92%	2.91%
12	2.99%	2.96%	2.94%
13	3.02%	2.99%	2.97%
14	3.04%	3.01%	3.00%
15	3.06%	3.03%	3.02%
16	3.08%	3.05%	3.04%
17	3.09%	3.07%	3.05%
18	3.10%	3.08%	3.07%
19	3.11%	3.09%	3.08%
20	3.13%	3.10%	3.09%