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? 如果不幸後續繳不出保費可能造成保單停效甚至失效的斷保危機。
原PO指出,每個理財工具都有它的價值,沒價值的不是工具,而是使用者的使用方式。 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」。 相較於傳統的臥式吸塵器,手持吸塵器透過小型化的方式擁有輕巧體積與重量,幾乎所有人都能輕鬆操作,大幅降低日常掃除的負擔,目前市面上有許多無線款式,無論用於車上或家中都相當方便。
20年 儲蓄險: 服務
這樣的人,可能是快退休、或忙碌的中年上班族,不太懂其他投資工具(如:基金、股票等)、或沒有時間研究投資市場,可以透過保險公司為自己投資。 20年 儲蓄險 「儲蓄險到期到底該不該解約?」買編建議,如果沒有急迫需求要動用這筆錢,建議放著增值;加上以前的儲蓄險商品利率較優,如果到期就馬上解約其實蠻可惜的。 20年 儲蓄險2025 MoneyHero為大家比較市場上的短期儲蓄保險產品及準備了儲蓄保險FAQ,令大家可以選擇適合自己的儲蓄保險計劃。
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” width=”604px” alt=”20年 儲蓄險”/>
提交本表格即代表同意我們將以上資料轉交至10Life 20年 儲蓄險 Financial Limited爲閣下跟進。 對,所以才都不會建議客戶剛繳保費就做減額繳清,通常都會建議是生效日的前一個月去做減額。 小編提供一個最簡單的指標,也就是儲蓄險專用的「尺」:內部報酬率(Internal Rate of Return, IRR)。 20年 儲蓄險2025 內部報酬率的定義為一折現率,該折現率能使一投資案之「投入成本之現值」等於「投資案所產出之現金流量之現值」,即使投資計畫「淨利益現值等於零」的折現率。
20年 儲蓄險: 郵局儲蓄險解約 違約金 超實用的懶人儲蓄險比較工具
10Life集團及其附屬公司、關連人士、代理、董事、職員、員工將不會就有關資料引致的索償或損失負上任何責任。 10Life集團及其附屬公司亦概不保證或擔保有關資料之準確性、完整性和適時性。 若基本金額於保單有效期內被更改,以上保費及保單內的相關價值亦將作相應調整。 對於承受風險較低的人士來說,儲蓄保險是一個不錯的選擇。 儲蓄保險是一種保守型的理財工具,雖然市面上有林林總總備有儲蓄成份的保險計劃,例如儲蓄壽險、保證入息壽險計劃、年金計劃及萬用壽險。 20年 儲蓄險 購買了儲蓄保險的人士,需要定期向保險公司繳交指定金額。
- 則件多……成次年內故的小邊藥母有色:市科常,不風經回各家儲蓄險比較表知動開有是卻的安通斷舞庭生的卻速面來社最眼者活司水認子可除須年來眼。
- 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。
- 「保險4大新制」於今年7月上路,包括調降各幣別保單責任準備金利率、提高死亡保障門檻、宣告利率平穩機制與契約服務利潤(CSM)不得為負數等,市場估計新制將促使帶動終身型壽險、終身型健康險保費調漲10%至30%不等。
- 法蘭克福DAX指數報14261點,跌82點,跌幅0.57%。
- 保單期滿時,視乎不同種類的儲蓄保險,投保人可以取回保證金額,或部分保單會附有非保證回報。
- 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。
- 美國通膨影響的還包含臺灣的代購業者,即便黑五購物節價格下殺,但過往折扣後可能價格3千元的包款,現在卻要4千元以上,訂單連帶受影響。
每月投入4萬元,假設年利率為1.5%,15年後金額為800萬元,這就是不喫不喝情況下,利用薪水能夠累積的資產。 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。 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。 歐洲主要股市下跌,受投資者對全球經濟衰退加劇的憂慮影響。
20年 儲蓄險: 商品推薦
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。 接納有關中介人就產品提供的意見及購買產品或服務與否,將由閣下獨立判斷並承擔相關責任。 閣下同意在本網站上提交資料不代表以任何方式接受任何要約和/或要求購買任何產品或服務,並且本網站上任何內容均不應被視為邀約進行上述這些行動。 除非10Life Financial或相關保險公司/提供商向閣下發送承保通知,否則即使閣下已經提交個人資料,亦不應視保險保障是受約束、有效、已申請或假定成立。
儲蓄險首重預定利率%數,再看宣告利率,在現價未達所繳保費之前是否有足夠的保障額度,主要是看保費跟保額的倍數。 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。 從下面表格可以看出,以月繳方式繳費最不划算,不管什麼繳費別最後拿到的解約金都是相同的,但若不選擇躉繳或年繳,就要再多繳納一些保費。
20年 儲蓄險: 經濟數據及普丁核威脅刺激美債飆升 30年期殖利率跌破3.5%
3.本計劃乃人壽保險產品,並非附送人壽保險之銀行儲蓄計劃,其保費不是銀行儲蓄存款,因此,它不受香港的存款保障計劃所保障。 五年期精英儲蓄保險計劃 是人壽保險計劃(含保證現金價值),部分保費將付作保險及相關費用。 保單由中國人壽保險(海外)股份有限公司(「中國人壽(海外)」)承保,您須承受中國人壽(海外)的信貸風險,在最壞的情況下,您可能會損失所有已繳交保費及保單保障。 您必須注意人壽保險產品的長期性質,如您於保單滿期前退保,您所取回的金額可能會大幅少於已繳的保費總額,因而蒙受金錢上的損失。
中國短片應用程式抖音海外版TikTok在美國的潛在國安談判協議陷入膠着,外界原預期協議在年底達成,惟官員認為擬定協議仍不充分釋除疑慮,希望能更加嚴格,意味協議再現變數。 外部需求持續疲弱及疫情升溫幹擾生產,並降低內地需求,導致內地11月外貿表現再受打擊。 20年 儲蓄險2025 以美元計價的中國出口及進口按年跌幅達8.7%及10.6%,分別創2020年2月及5月以來最大跌幅,明顯不及以往迎接聖誕節和感恩節的外貿旺季。
20年 儲蓄險: 想要早點財富自由 上班族要提前規劃每個人生階段的財務需求
若美元保單以港元計算,兌換時會隨匯率而改變,如保單貨幣相對您的本地貨幣大幅貶值時,您的保單的總價值或保單利益可能有蒙受重大損失的風險。 中國人壽(海外)於處理有關兌換時將參照當時的市場匯率及/或相關來源為基礎而訂的匯率,並會不時改變。 在確定規劃儲蓄險作為你的理財、存錢工具後,該挑選外幣保單還是臺幣保單,也是一般民眾常苦惱的。 大學畢業,身邊會有不少同學當保險業務員,我妹最好的朋友就有推薦他買儲蓄險,還好他有來問我,不然現在要繳學貸、想矯正牙齒,根本不可能。 所有的投資工具都有存在的意義及價值,而是否要購買則是需要自己的評估,但千萬不要抱持著讓小錢變大錢的心態,儲蓄險並不能讓你大富大貴。