November 2, 2010

中國人壽 滿意存錢計畫

1.存錢計畫

       銀行                                           |     中國人壽
                                                          |
--------------------------------------------------------------------------------------------------------------
30歲開始存錢                                  | 一樣30歲開始存
                                                           |
每月存1萬,年存12萬                       | 每月存1萬,年存12萬
                                                           |
存20年,共(12萬x20年)=240萬      | 存20年,共(12萬x20年)=240萬
                                                           |
現在銀行定存利率0.86% 算1%    |
                                                           |
每年定存,本金+利息共"267萬"      |同樣20年後,"可領出301萬"
                                                           |
267萬-240萬=27萬 (獲利27萬)     |301萬-240萬 = 61萬 (獲利61萬)
(這時50歲)                                        |(這時50歲)
                                                            |
如果,50歲後 每年領出4.9萬            |如果,50歲後 每年領出4.9萬
                                                            |
                                                            | 
                                                            |
80歲後 只剩下189萬                       |80歲後 帳戶有500萬以上


優點: 1.同樣時間銀行可獲利27萬,在不同地方卻可獲利61萬
 
          2.同樣第20年,50歲,每年領出4.9萬,帳戶價值大不同!
               ps:因為銀行利率較低,本金被吃光光



ps:11月底之後就沒有賣了

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