投資型保單和基金之比較(僅供參考) | ||||||
X聯的投資型保單(名稱：吉利XX 預估 8%) | 基金的手續費 | 預估年度獲利 | ||||
年度 | 年齡 | 累積投資金額 | 期末保單價值 | 身故保險金 | 假設一年轉換2次3%+年費1% | 預估年度獲利8%之基金淨值 |
1 | 35 | 60,000 | 20,653 | 1,600,000 | 2400 | 62,208 |
2 | 36 | 120,000 | 52,147 | 1,600,000 | 4888.32 | 126,705 |
3 | 37 | 180,000 | 104,763 | 1,600,000 | 7468.210176 | 193,576 |
4 | 38 | 240,000 | 164,580 | 1,600,000 | 10143.04031 | 262,908 |
5 | 39 | 300,000 | 232,196 | 1,600,000 | 12916.30419 | 334,791 |
6 | 40 | 360,000 | 308,261 | 1,600,000 | 15791.62419 | 409,319 |
7 | 41 | 420,000 | 390,353 | 1,600,000 | 18772.75596 | 486,590 |
8 | 42 | 480,000 | 478,983 | 1,600,000 | 21863.59338 | 566,704 |
9 | 43 | 540,000 | 574,720 | 1,600,000 | 25068.17361 | 649,767 |
10 | 44 | 600,000 | 678,185 | 1,600,000 | 28390.6824 | 735,886 |
11 | 45 | 660,000 | 790,067 | 1,600,000 | 31835.45952 | 825,175 |
12 | 46 | 720,000 | 911,128 | 1,600,000 | 35407.00443 | 917,750 |
13 | 47 | 780,000 | 1,042,217 | 1,600,000 | 39109.98219 | 1,013,731 |
14 | 48 | 840,000 | 1,184,271 | 1,600,000 | 42949.22953 | 1,113,244 |
15 | 49 | 900,000 | 1,338,335 | 1,600,000 | 46929.76118 | 1,216,419 |
16 | 50 | 960,000 | 1,505,570 | 1,600,000 | 51056.77639 | 1,323,392 |
17 | 51 | 1,020,000 | 1,687,147 | 1,687,147 | 55335.66576 | 1,434,300 |
18 | 52 | 1,080,000 | 1,883,437 | 1,883,437 | 59772.01826 | 1,549,291 |
19 | 53 | 1,140,000 | 2,095,430 | 2,095,430 | 61971.62853 | 1,606,305 |
20 | 54 | 1,200,000 | 2,324,383 | 2,324,383 | 64252.18446 | 1,665,417 |
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