每個人都有自己的理財方式,較大膽的人可能就會購買風險較高的股票,而保守型的人大多偏向購買儲蓄險或是定存等方法。 最近,一名網友就透露自己買了一個為期20年的儲蓄險,但是買完後又感覺很後悔,大嘆自己做了像是笨蛋才會做的事情。 但也有另一派網友認為,如果沒有其他更好的存錢方式,至少能透過定期繳費的方式強迫自己儲蓄,「存吧!至少守著一筆錢,時間到了還能看到它」、「你覺得20年後憑自己的力量能不能存到80萬!如果自己現在都沒辦法好好存錢的話!這張就留著吧」。 主要還是看您規畫的儲蓄險是哪張,以這兩年內的儲蓄險來說,除了存錢、資產傳承等規劃之外,還有附加保障相關功能,因為也是保險的一種。 還有網友比喻,「在想20年後的通貨膨脹前,可以先想一下如果20年前妳爸媽有幫妳每年存3萬6,現在有一筆至少72萬的存款,妳會有什麼感覺?」希望原PO可以審慎思考後再判斷。 若是這筆保費造成生活壓力過大,也可以考慮「減額繳清」,而非直接解約。
所有儲蓄險如果在前面幾年解約,幾乎都拿不回所投入的本金,以及該有的「利息」。 保險業者表示,投保後,每年給付「生存還本金」(所繳保費加上利息給付),只是每年的保單價值準備金不會按照預定利率增加,而全部把利息配給保戶;與「增額型儲蓄險」不同,保單價值準備金不會以複利的方式增值。 適合退休族或手邊有閒錢的民眾,存的金額越多,領的解約金也越多。 「增額型儲蓄險」投保年期幾乎是6年以上,若在年期繳完前解約,就要自負虧損;每年增加利息可以用來購買額外保障,或是利用像銀行定存一樣的功能,適合小額存款、有特定存錢目標的民眾,如結婚、買房、教育基金等。 所以建議可以列出繼續繳費的優點與缺點,兩相做比較,另外也要把其他保單拿出來,全部計算一下每年除了繳這筆6萬保費,其他保單還要繳多少錢? 若超過收入3成就代表保費已經排擠到其他支出,萬一失業還繳得出來嗎?
20年儲蓄險: 儲蓄險優、缺點比較表
我們可以分階段去執行,例如,50歲要成為千萬富翁,那麼30歲資產要累積到200萬元、40歲要累積到500萬元、50歲要累積到1,000萬元。 一般來說,隨著年紀的增長,收入也會提升,因此財富累積的速度也會提升,所以會越存越多。 2022年來到尾聲,為了迎接2023嶄新的一年,檢視、制定目標是首要任務,有目標纔有前進的動力,還沒制定的讀者能跟著本篇內容一起行動,已經有目標的讀者也能重新評估,並優化投資理財工具的使用。
- 躉繳(1年繳)、2年、3年、4年、6年、8年、10年及20年期的保單。
- 金管會保險局副局長林志憲透露,目前除已知完成增資的六家產險業者,已增資總金額達707億元之外,另外還有有3家業者也新加入增資行列,包括「新安東京海上、和泰產、中信」,而這三家增資皆已覈准,預計總共將增資885億元。
- 近期瞭解之後也發現,目前解約大概會損失4萬多元,猶豫是否應該解約或是繼續繳下去。
- 原PO表示,自己也是保險業務,目前每年存9600美元的儲蓄險,共存20年,計畫滿30年再慢慢領出來,大約會領1300萬元臺幣;存這張儲蓄險的目的,就是為了退休做準備。
在網路上看到喜歡的房子,和房東約時間看屋,可能只會看5~10分鐘,但是一旦簽約,那合約通常以一年為期。 在租屋網站、社團看到喜歡的房子,第一件事不是打電話約看屋,而是打電話問清楚細節,這樣可以避免白跑一趟,浪費車錢和時間,… 房租是每個月固定開銷,從金錢的角度考慮,固定開銷愈低愈好,但從安全的角度考慮,房租可能就不是愈便宜愈好,因為生命最珍貴。 不論來自哪裡,或正走在什麼樣的生命境遇,有一羣新女力漂洋過海或重返故地,正在臺灣的大城小鎮、山間海邊重新紮根,透過雙手和網路的力量,…
20年儲蓄險: 保險種類ptt想要買30萬6年一次繳完儲蓄險
原PO在臉書社團「存錢公社」PO文指出,20年前買了一張儲蓄險,當初每年約繳近3萬元,最近因儲蓄險到期,「每3年有18萬的錢回來(領一輩子)」,想詢問看看是否有其他的儲蓄或投資建議,讓不少網友們直呼「千萬別解,現在買不到」。 這個問題一出,大多數人腦中浮現的就是儲蓄險,尤其6年期儲蓄險因年限短,又常被強調「保本、保息」,不僅「投資報酬率比銀行定存高」,還常伴隨著「第7年開始,每年2.25%複利增值」、「終身可領回還本金」等未來成長效益的想像。 新壽總精算師林漢維表示,解約部分,今年由於升息以及匯率的關係,「的確解約狀況比以往高」,不過在既有現金部位以及保單預期還本情況下,基本上支應解約給付沒有問題。 保險就是一種保障,我們不要想要從中賺錢,保障歸保障,投資歸投資,拆開來做,纔不會一團混亂。
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” width=”601px” alt=”20年儲蓄險”/>
很多人後悔買了保單,有一個很大的原因,就是在接到繳費通知單時,才突然覺得這張保單保費好貴負擔好重,然後開始思考把這些保費拿來買這張保單真的值得嗎? 在失能保障方面:因疾病或意外造成完全失能,除了會給付1筆完全失能保險金,每年還會給付失能扶助保險金23萬6千元,固定給付5年。 其實保單不是買了就得一直繳下去,還是可以做調整,但前提是,你真的想清楚了嗎?
20年儲蓄險: 「20年儲蓄險」值得買?男繳5個月後悔了 行家戳破盲點
不論公部門、私部門,都對其在職場中的表現,大為讚賞,甚至超額進用原住民族員工。 20年儲蓄險2025 原民會主委夷將‧拔路兒不只親自頒獎致謝,也希望未來能為族人,創造更多就業機會。 《NOWnews今日新聞》直接到ChatGPT網站實測,詢問聊天機器人「ChatGPT是什麼?」得到的回覆是:「ChatGPT是一種基於GPT-3技術的聊… 尤其是她的勇敢與膽量;所以至少她,但我們的枷,比你住久的,再也不容追贖,我猜想,明知是自苦的揶揄,那太可愛,我心頭便湧起了不少的感想;我的話你是永遠聽不著了,解嘲已往的一切。 原PO指出,這些錢當初拿來買房,說不定都能買得起2棟房,現在就能爽爽收租當包租公,「買儲畜險是不是很北七啊?20年後,看著到期只有幾百萬的me,本來能爽當包租公的QQ」。 編按:臺灣在11月26日剛結束九合一選舉,候選人們在競選期間花招百出,除了掃街拜票、舉辦造勢大會,還要買廣告看板、印製文宣品,…
市面上普遍可見到的短年期約為6年,是一般人剛接觸儲蓄險時「接受度較高」的年期;民眾若想要存結婚基金或子女的教育金等,短年期也比較合適。 很快的2022年即將來到年尾,公司的員工是否還有特休未休完呢? 在此提醒僱主們,以前如果是員工因為個人因素沒把特別休假休完,… 現代生活隨處可見各式各樣的廣告, 我們都曾經因為某個廣告而感到觸動,或因為某個廣告而受到啟發。 Google今(7)日揭曉臺灣2022年度搜尋排行榜(Year in Search),由於防疫政策轉變,… 20年儲蓄險 2022九合一選舉結束,既如預期又大出意外,國民黨堪稱大獲全勝,而選前驕氣滿滿聲稱「選不好,國際怎麼看我們」的民進黨主席蔡英文請辭,…
20年儲蓄險: 儲蓄險唯一功能是「儲蓄」
我們大多數人都有買過儲蓄險的經驗,或者是長輩也有買過,這東西常常被理財專家詬病,因為最重要的就是「報酬率太低」。 雖然在第七年後,儲蓄險的報酬率會漸漸比定存還要高,但誰能保證在6年前間內不會遇到需要緊急解約的時候呢? 如果不幸要提前解約,儲蓄險是拿不回完整的本金,但定存只是利息被打折卻不會損失本金。
假設我們買了張意外險或癌症險,難道會因為繳費多年,結果沒出意外或沒得癌症,心情大感沮喪嗎? 如同上圖,每年給付相同金額230,794元為期6年,左邊是儲蓄型保單,右邊是整存整付的定存,相信比較之下不難發現,在6年內(含)儲蓄險的報酬率是比定存還少的,甚至前五年是負的報酬率。 既然看宣告利率及預定利率都不準,那要如何知道該份儲蓄險保單真正的利率呢? 粗略來說,宣告利率與預定利率是保險公司將收到的保險費拿去做投資運用,「預期」可獲得的投資報酬率,既然說是「預期」可獲得的報酬率也就代表可能無法達成。 儲蓄險最主要的目的為以穩定、低風險的方式來增加資產,而近年來超夯的股票投資則屬於風險較高的理財方式,雖然網友們常拿兩者來做比較但其實兩者並不衝突,民眾可依自身需求分配資金,並以風險分散的方式來規畫你的財務配置。
20年儲蓄險: 六年期儲蓄險: 躉繳6年期儲蓄險確定掰了!「保單零利率」引爆絕版搶買 保費變貴卻未保本保息
一名網友詢問筆者,自己買兩張各50萬的儲蓄險,利息只有1.85%,解約想改幫小孩買0050可行嗎? 20年儲蓄險2025 (圖/取自Unsplash) 編按:被譽為「國民ETF」的元大臺灣50(0050),2017年起從一… 設定完目標後,下一步需要評估可行性和合理性,雖然有目標是好事,但再怎麼美好的目標,達不到都只是空談,我們的能力和時間都有限,需要根據自身狀況來訂定合適的目標,以下提出評估的方式,以及3個調整計劃的方向供讀者參考。 或許有讀者會認為,千萬富翁好像是一輩子都達不到的目標,但其實只要好好規劃,並有紀律地執行,並非遙不可及。
中央銀行昨(7)日標售10年期公債,金額為300億元,因為是今年最後一期… 富邦產險表示,即使行程規畫再完整,仍難避免突發狀況,無論是班機延誤或行李延誤,都會影響出國旅遊的好心情,建議於出發前選擇符合自身需求的旅遊保險,將旅程中帶來的不便及風險降到最低,讓出國旅遊更放心。 富邦產險今(7)日表示,全新推出「海外旅平險+不便險」網路投保專案,提供XS、S、M、L、XL等五種方案,其中,旅遊不便險提供六大保障,包含:班機延誤、行李延誤、旅程取消、旅程更改、行李損失、旅行文件損失,出發前一小時也可線上投保,方便又快速。 因此這位讀者還是應該定時定額去處理,每月投入多少錢自己想清楚,長期來說指數ETF的報酬率一定不只1.85%,只是中間起伏肯定會有,帳面損失10%都有可能,這就是商品特性的不同,不能一概而論。
20年儲蓄險: 買20年期儲蓄險!女淚訴「還有15年」 網嘆:不如領養非洲孤兒
有些人股票高點跟風買入,跌的時候害怕賣掉,虧錢之後說股票騙人;有人儲蓄險存20年期,第3年就解約領出來、虧了很多,然後就說儲蓄險騙人,他強調,「這些是使用方式不正確,而不是工具糟糕」。 網友們看了直呼「20年也太久」,「存錢忘了通膨,到時候的 81 萬,比現在的 60 萬少,儲蓄險要選短期的」「早該解約了,金管會規定就是才 2% 左右,只有 2% ,你要冒著解約時本金被喫掉的風險,醒醒吧,拿去買股票還比較划算,股票最少也有 5% 20年儲蓄險2025 20年儲蓄險 以上」。 您好,因為目前還不確定您規畫的是哪張儲蓄險,所以無法準確判斷,但是長年期的儲蓄險,基本上沒放超過所設定的繳費年期之一半,通常都是會有虧損的;可是儲蓄險的預定利率還是會比郵局定存高,郵局可以算是最差的選擇之一了。 也有網友認為,「也許那些錢沒買保險現在都賠光了」、「20年前會知道現在房價?怎不說當時樂透簽幾號」、「你爸那時玩股票說不定都賠光」、「先貼保單來看吧,20年前說不定買到5、6%的,你房子一年有5、6%?」「早知道能買房?儲蓄險的錢夠買兩棟房也是挺厲害的」。
- 還有網友表示,可以考慮買境外分紅儲蓄險,但原PO則回應指出,「境外保單通常都遊走在危險邊緣,一個搞不好會觸法」。
- 因此本次將說明挑選手持吸塵器的訣竅與常見問題,並且精選十款商品推薦給大家,其中不乏平價、 CP值高或方便攜帶的款式,有些甚至具備去除塵蟎等特殊功能,希望幫助消費者們一起找到最適合自己的打掃好夥伴。
- Google今(7)日揭曉臺灣2022年度搜尋排行榜(Year in Search),由於防疫政策轉變,…
- 調整方向①直接解約:如果分析後覺得這張保單完全不符合自己的需求,就直接解約,不過拿回的解約金可能不到總繳保費的3成,損失慘重。
- 6年以上的屬於長期保單,年化報酬率普遍較短年期的保單來的差,主要是附加費用較高的原因。