6年 儲蓄險解約2025懶人包!專家建議咁做…

有毛孩的陪伴,讓許多飼主的生活增添不少歡笑,有時毛孩的舉動也會讓飼主又驚又喜,增加許多生活樂趣。 6年 儲蓄險解約2025 近來有飼主分享,自己看到蚊子後說了一句「該死的蚊子」,結果自家柴柴「King將」就叼著一隻拖鞋過來,逗樂許多網友。 躉繳(一年繳)、二年、三年、四年、六年、八年、十年及二十年期的保單。 六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。

  • 想看更多「儲蓄險」眉角,請見《橘世代》【理財攻略】。
  • 以6年期美元儲蓄險為例,如果未滿6年就解約,一定會損失部份本金,也就是為什麼不建議儲蓄險還在繳費期間就解約,因為很傷荷包。
  • 基本上,如果你的 6 年期儲蓄險繳費到期解約,要等到第 7 年末你的解約金才會比保單價值準備金高。
  • 根據各壽險業財報,第三季單季自留保險賠款與給付共5014.8億元,比滿期總保費收入4351億元還多了663.7億元,顯示壽險業第三季,因為賠付跟解約的資金,遠比保費收入還多。
  • 透過 IRR呈現,能更瞭解我們投入的資金,在特定期間內的收益率為何。
  • 如果你遇到無法註冊 / 登入,或是收不到註冊信等系統操作問題,小幫手都在這裡整理了常見 QA,讓我們一起輕鬆解決。
  • 網友認為,這20年他領102000元,加上第20年的解約金是712300元,加起來總共是814300元,比起總共要繳出776640元,20年來才賺了37660元。

瞭解商品之後,接下來你要評估,買這樣的保險,可以撐過6年不用到這筆錢嗎? 還有,1年2萬2,500元的現金流收入,能不能滿足你未來的現金需求? 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? IRR的意義跟年化報酬率相同,只差別在計算方式的不同。

6年 儲蓄險解約: 熱門排行

但若未來10年內有考慮買房,或生活型態可能有改變(結婚、轉職等…),那買儲蓄險的流動性風險,就不能輕忽。 6年 儲蓄險解約 但以「高保費」折扣為例,通常年繳保費都是數十萬、甚至上百萬元。 如果不是「很有錢」的保戶,根本就只能拿得到1%的保費折扣,而6年下來的IRR數字,將因折扣多寡而大不同。 認識儲蓄險的優點、缺點及挑選的3個技巧,就可以瞭解自己適不適合買儲蓄險,或是瞭解儲蓄險適合什麼樣的人購買。 至於儲蓄險適不適合購買須視自己的情況,但是儲蓄險絕對不能讓你變的大富大貴。 非終身壽險在期滿時且「被保險人」還生存即可領回保險金。

至於減額繳清則是透過保單所累積到目前的保價金,作為一次繳清保費的方式,向保險公司申請同類型、同保障期間的保單,但保額會降低,如此一來也就不用再繳保費。 另有一名曾當過全職考生的網友提出他的看法,可以先想一下當全職考生要多久的時間,若是2至3年內建議可與家人借急,認為原PO當初簽約應是深思熟慮後的決定,且已繳了5年,「隨著年齡保單的費用只會增加,如果你解約了,要再投保,金額不會比這張優」。 6年 儲蓄險解約 另有網友表示,如果當初是為了強迫儲蓄,那倒是可以慢慢存,畢竟第2年繳完會先拿到利息錢,之後2年領一次利息,繳完10年後,變成每年領利息,一直領到78歲,所以建議繼續存,除非沒能力再繳,才建議改成減額繳清,「至少保障還在,只是利息變超少」。 「預定利率」是保險公司將收到的保費拿去投資,預估出來的年化報酬率,也就是說利率的值已經確定。 如果「預定利率」越高,代表保險公司認為透過保費的投資,可以賺的報酬較高,也就不需要收取高額的保費。

6年 儲蓄險解約: 儲蓄險想解約?你要先了解「保單價值準備金」和「解約金」!

算起來的年化報酬率則會比目前的定存利率好一些,但會比保險員告知的2.28%還低。 別忘了,繳交的保費當中,還有一部分要支付保險公司的行政成本。 因為這是6年期保單,所以通常在繳滿6年後,「解約金」加上每年保險公司給你的「生存保險金」,才會等於或高於你支付的所有保費,也就是繳滿6年後纔不會有本金的損失。 例如,一次性的投資10萬經過10年後變成20萬,年化報酬率很容易計算為7.2%。 如果是投資10萬但分成每年投資1萬,10年後一樣變成20萬,這種資金流入、流出時間點不同的報酬率該怎麼計算呢?

6年 儲蓄險解約

隱私權保護政策內容,包括「安心比」如何處理在您使用網路服務時蒐集之個人資料,個人資料是指得以識別您的身分且未公開的資料,如姓名、電子郵件信箱、地址或電話號碼等。 本隱私權保護政策不適用於「安心比」以外的相關連結網站,也不適用於非「安心比」所委託或參與管理的人員。 IRR(Internal Rate of Return)是一種投資的評估方法,也就是找出資產潛在的報酬率,其原理是利用內部報酬率折現,投資的淨現值恰好等於零。 政治大學保險系主任彭金隆強調任何事皆會有多元化立場觀點,基本上是一個「覈保」的問題,不是年齡的問題。 躉繳(1年繳)、2年、3年、4年、6年、8年、10年及20年期的保單。 6年 儲蓄險解約2025 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。

6年 儲蓄險解約: 熱門文章排行

一名網友在Dcard保險業版發文指出,大學剛畢業時透過初入行的好朋友規畫了一張20年期的儲蓄險,每年約繳納保費3萬6千元,投保幾年後認為會有通貨膨脹疑慮,因此有了解約的念頭。 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。 從下表很明顯可以看出繳費年期越短,年化報酬率轉「正」的速度越快,其實這與儲蓄險內部的「附加費用」有關係。 附加費用是指保險公司營業費用+業務員傭金費用,繳納的保費扣掉附加費用纔是真正進入保單的保費,而長年期保單的附加費用較高,所以報酬率才會比較慢的變正數。

但是,6年儲蓄險在繳交保費後,如果想要賺到預期的高息,就必須忍受資金被鎖在保險公司6年不能動用,否則就會出現如上述的「不賺反虧」情形(利息沒賺到,反而倒賠本金)。 在定存利率展開1%保衛戰的低利時代,像這樣可以賺取2∼3倍定存利息的6年期儲蓄險,已經造成市場搶購風潮。 到今年1月為止,販售6年期儲蓄險的壽險公司主要有國泰人壽、三商美邦人壽、幸福人壽以及國華人壽等。 調整方向②減額繳清:也就是降低保額,並用保價金一次繳清保費,保單繼續有效卻不用再繳保費,不過是否可以減額繳清,還要看保價金是否足夠,因此需要先詢問保險公司。 以上述試算表的呈現,6年到期後可獲得2.58%,但這個2.58%並非這6筆投入資金的實際年利率(Effective Annual Rate),若把前面資金投入的時間價值都計算進來,可得到 IRR為0.74%,這個纔是實際年利率。 以臺灣人的金錢觀念來說,多數人都有儲蓄的需求,而儲蓄險不像醫療險有購買的重複性,且相較於醫療險,沒有那麼多複雜的條款,解約金也一目瞭然,也因此,儲蓄險常常佔了保險公司及從業人員銷售項目中大部分的比例。

6年 儲蓄險解約: 風險 1 無法兌現承諾

還本終身壽險的特性是繳費期滿或是開始繳費一年後,每年可以領回一部分的生存保險金。 甚至,有的保險公司強調保單滿6年時,已領還本金加上保單現金價值,都超過已繳保費,也就是期滿解約就能「保本」、「獲利」。 想要養成儲蓄的習慣,且透過儲蓄獲取利息,除了儲蓄險之外,銀行定存也未必不是一個好選擇。

若第一年保價金為100萬,若第一年之比率為 6年 儲蓄險解約2025 90%,則當年度解約可領回解約金90萬 (以上僅為舉例,與商品各年度實際保價金無關)。 此為bobe.ai估算,僅供參考,不代表保險公司觀點,實際內容應以保險公司建議書為準,若您有任何疑問,請洽本站客服。 CNEWS匯流新聞網記者張孝義/臺北報導 楊姓男子到飲料店購買飲料,因賒帳遭拒竟當場亮出空氣槍恐嚇店員,新北新中和分局員警到場後,查獲楊男除了空氣槍,還有折疊刀及彈簧刀,還有毒品咖啡包10包,全案依恐嚇、毒品危害防制條例偵辦。 警方指出,43歲的楊姓男子在12月10日下午2時30分,搭乘計程車由北市萬華區返家,途經飲料店故下車買飲料,因所帶的錢不夠而與33歲…

6年 儲蓄險解約: 月繳3000儲蓄險「綁6年」 網友:真這麼好康能拿回來?

如果不考慮通貨膨脹的前提下,雖然儲蓄險比起基金、股票來說報酬率不高,但至少是不會賠錢的,而且放長期的話還會產生額外的利息,算是穩賺不賠。 因此如果是無法承受其他投資工具會賠錢的人,儲蓄險會是你的好選擇。 臺灣人愛買保險,尤其是儲蓄險,除了參考年度熱門儲蓄險保單外,該如何自行挑選一份不喫虧的儲蓄險呢? 不過,有一名想當全職考生的網友,由於手頭喫緊難負擔10年期的儲蓄險,心中3種困惑讓她相當苦惱,便上網尋求解決方向,引起大批網友直呼解約太不划算,不妨就減額繳清,甚至還有內行人教戰2招降低損失。 但陳先生買了六年期儲蓄險一年後,因為一直找不到工作,想把當初買保險的錢拿出來運用,這時候才發現,原來買的是一種「保險」,不滿六年如果要解約,必須付違約金,結果不僅沒有利息收益,就連領回的錢也比所繳的要少。 否則,只要提早解約一定虧錢,連本金都拿不回來,如果手頭緊的人,寧可分批定存,也不要一次讓資金卡6年。

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” width=”609px” alt=”6年 儲蓄險解約”/>

▲假設一張儲蓄險為年繳保費137,498元,繳費年期為6年,第7年末解約時可領回894,425元,以IRR計算為1.8%。 每張儲蓄險保單上的名稱都是這4個甚至更多名詞的排列組合,可以想像會有數十種、數百種以上的保單出現。 最後只會問業務員一句:「所以我可以領到多少利息?」, 覺得滿意之後就簽下去。 非利率變動型即為固定利率保單;利率變動型則是「宣告利率大於預定利率」時會給付額外的增值回饋金。 或許講不該買儲蓄險有點太嚴重,但主要是希望各位在規劃購買儲蓄險前,能夠好好思量清楚對於「儲蓄險」這個商品是否瞭解徹底。 大多數網友看到後紛紛回應「減額繳清」最為合適,就有人直言「無論如何不要解約,減額繳清給它放著,至少保障都還在,解約的損失太大了」、「千萬不要解約,非常不划算」、「提前解約,一定都是虧損,錢難賺啊」、「有壓力就減額繳清吧!如果是急需用錢的話就解約拿現金」。

6年 儲蓄險解約: 儲蓄險 6年繳費到期,推薦這時候解約儲蓄險嗎? 儲蓄險利率IRR計算機【免費下載】

由於宣告利率會隨著市場調整,且會依據保險公司每月、每年公告而有所變化,所以是「浮動利率」。 這類的保險即使有優於一般銀行的利率,但仍然非高報酬的投資工具。 即使無法提供高槓桿、高報酬,仍然如此吸引職場菜鳥、理財初學者,很大的原因就是來自其提前解約,就會損失本金的特色。

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” width=”602px” alt=”6年 儲蓄險解約”/>

認證理財規畫顧問(CFP)蔡明勳說,保單未滿期就解約,拿回的解約金一定會低於過去繳的所有保費總和,代表保戶一定有損失。 當我們在投保儲蓄險時,繳費是在每一年期的期初,等到約滿後要在當年度結束時解約,看的就是「年度末解約金」。 如果你是在期滿後在次一年的契約開始後解約,要看的就是「次年度初預估累計增加之解約金」,這時候累積的解約金與前一年度末其實差異不大。 根據各壽險業財報,第三季單季自留保險賠款與給付共5014.8億元,比滿期總保費收入4351億元還多了663.7億元,顯示壽險業第三季,因為賠付跟解約的資金,遠比保費收入還多。

6年 儲蓄險解約: 什麼是「外溢保單」?守護高齡投保!降低保費、保障更進化

簡單而言,儲蓄險就是固定時間(月繳、季繳、年繳)存入固定的金額,在約定到期後可以領回本金及產生的利息,因此利息高低是購買儲蓄險一個主要的誘因。 至於網友提到「祝壽金」年齡限制這麼高,根本看得到喫不到。 由於現在醫療發達,長壽者越來越多,因此依目前現行法規,保險人最長壽可年滿105歲就視為保單到期,且拿到「祝壽金」資格享受晚年,這筆祝壽金的金額同樣是依照當下的現金價值做結算。 ,以月存3000、20年約來說,原本期滿就能拿回本金72萬,利息就是預定利率2%;但不得已必須把錢提前領出來的話,肯定會出現本金2%的落差,有些公司還會另外扣除費用,當然在數字上就並非呈現理想金額。 繳費別指的是每期保費收取的時間點,有躉繳(一次繳)、年繳、半年繳、季繳、月繳之分。 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5年是負的報酬率。