<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1" wah-hotarea="click" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNdfSavGzdBTvZtl9gEyQZCKyvQiaWmQRh5TeHrnnqgI6zgSj5mosuGShXBN7LtibNfic3Yib790hMt3A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNdfSavGzdBTvZtl9gEyQZCKyvQiaWmQRh5TeHrnnqgI6zgSj5mosuGShXBN7LtibNfic3Yib790hMt3A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></p><section ><strong style="color: rgb(33, 89, 103)"></strong></section><section ><br /></section><section ><span >2019年监管限制年金险预定利率后，这几年<strong>4.025%</strong>产品都差不多停售完了。</span></section><section ><span ><br /></span></section><section ><span >这也是增额寿险走上C位的契机之一，同为3.5%产品，取用灵活的增额寿险更具优势。</span></section><section ><br /></section><section ><span >不过监管只下调了利率，并未直接要求存量4.025%产品停售，</span></section><section ><span ><br /></span></section><section ><span >这就给了部分保险公司“<strong>炒冷饭</strong>”的机会。</span></section><section ><span ><br /></span></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(33, 89, 103)">一、</span></strong></span></section><section ><span ><br /></span></section><section ><span >实际上，由于切实的利差损风险，拿存量<span >4.025%</span>老产品出来卖的公司倒也不多。</span></section><section ><span ><br /></span></section><section ><span >并且常伴有<strong>时间或额度限制</strong>。</span></section><section ><span ><br /></span></section><section ><span >如销售限额5000万元，或仅卖1个月这种，足额/满期就会立即下架。<br /></span></section><section ><span ><br /></span></section><section ><span >说白了，就是饥饿营销。</span></section><section ><span ><br /></span></section><section ><span >有好产品，也想要声量和体量，但又怕卖太多撑不住，这就是当前4.025%产品的现状。<br /></span></section><section ><span ><br /></span></section><section ><span >当然，有一点要说清楚，<strong>4.025%不是绝对好过3.5%产品</strong>。</span></section><section ><span ><br /></span></section><section ><span >无论是4.025%还是3.5%只是监管给的<strong>定价上限</strong>，别超过上限就行，下限不管。<br /></span></section><section ><span ><br /></span></section><section ><em><span >就像两份试卷，A卷满分100，B卷满分120，考B卷的人分数不一定能比考A卷的更高。</span></em></section><section ><span ><br /></span></section><section ><span ><span >4.025%产品里有实际收益远超3.5%的，也有低于3.5%的，这很正常。</span></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >下面给大家推荐4款优秀的4.025%年金险，普通定期年金、孩子教育金各2款。</span></section><section ><span ><br /></span></section><section ><em><span >*注：教育金也是定期年金险的一种，与普通产品区别在于有年龄限制，通常只能给孩子买。<br /></span></em></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >① 4.025%教育金</span></strong></span></section><section ><span ><br /></span></section><section ><span >教育金这块目前有<span >「</span><strong>大富翁</strong>（也叫i宝贝）<span >」</span>，<span >「</span><strong>锦绣前程</strong><span >」</span>可选。</span></section><section ><span ><br /></span></section><section ><span >还有些4.025%产品，如星宝贝，多数</span><span >时候收益仅有3.5%左右，就不提了。</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO6gc7aYORhz9JE6GK8WpeicNpJVJsPHfTeHJnTWmWxAYKjPicSwZlMO7EnttibiauibHBlhZnWXN9F9Jg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO6gc7aYORhz9JE6GK8WpeicNpJVJsPHfTeHJnTWmWxAYKjPicSwZlMO7EnttibiauibHBlhZnWXN9F9Jg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span ></span></section><section ><span >明显，真4.025%产</span><span >品收益相对可观。</span></section><section ><span ><br /></span></section><section ><span >本金10万，给孩子买<strong>i宝贝</strong>教育金，满期年复利IRR高达<strong>3.94%</strong>！<br /></span></section><section ><span ><br /></span></section><section ><span >相当于把这10万元存银行21年，赚了12万，银行每年给到5.89%的年利率（单利）。</span></section><section ><span ><br /></span></section><section ><strong><span >锦绣前程</span></strong><span >收益略低，可<span >满期年复利IRR仍有</span><strong><span >3.89%</span></strong><span >；</span></span></section><section ><span ><br /></span></section><section ><span >类比一下就是存银行25年，赚了14万，银行每年给到6.14%的年利率（单利）。</span></section><section ><span ><br /></span></section><section ><span >至于i宝贝明明IRR更高，赚得钱和单利却更低</span><span >是由于：</span></section><section ><span ><br /></span></section><section ><span >i宝贝是按3.94%复利增长了21年，锦绣前程则是按3.89%复利增长了25年，多了4年时间，收益绝对值更高。</span></section><section ><span ><br /></span></section><section ><span >作为对比，表中还放了明爱小太阳等数款<strong>预定利率3.5%的教育金</strong>，差距很明显。<br /></span></section><section ><span ><br /></span></section><section ><span >例如锦绣前程和筑梦未来，都是25年满期：</span></section><section ><span ><br /></span></section><section ><span >本金10万，一个到期24万，一个21万，足足差了3万利息，可见一斑。</span></section><section ><br /></section><section ><br /></section><section ><strong style="color: rgb(33, 89, 103)"><span >② 4.025%年金险</span></strong></section><p ><br /></p><p ><span >教育金是孩子专属的年金险，接着来看成人也能买的年金险。</span></p><p ><span ><br /></span></p><p ><span >目前重点是「<strong>其乐融融</strong>」和<span >「</span><strong>锦绣源</strong><span >」</span>。</span></p><p ><span ><br /></span></p><p ><span >和上面一样，收益不能稳定超过3.5%的产品就不放了。</span></p><p ><br /></p><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTO6gc7aYORhz9JE6GK8Wpeic2fW1iaL2ZX3EBTQV3rUEEVCKdt7IGk89QDlAMQgSBjGXdKs7VwRvhSQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTO6gc7aYORhz9JE6GK8Wpeic2fW1iaL2ZX3EBTQV3rUEEVCKdt7IGk89QDlAMQgSBjGXdKs7VwRvhSQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span style="text-align: justify"><br /></span></section><section ><span >结论同样明显，</span><span >两款4.025%老产品收益足以碾压另外两款3.5%新产品。</span></section><section ><strong ></strong></section><section ><span ><br /></span></section><section ><span >一年10万，连续交3年：</span></section><section ><span ><br /></span></section><section ><strong><span >其乐融融</span></strong><span >是第11年领取，第15年满期，总收益近50万，相比本金高了近20万！</span></section><section ><span ><br /></span></section><section ><span >就数据看，满期年复利IRR3.73%，相当于本金存银行，每年给4.77%的年利率。</span></section><section ><span ><br /></span></section><section ><strong><span >锦绣源</span></strong><span >保障时间长一些，第5年领取，第20年满期，总收益近54万，比本金多了24万；</span></section><section ><span ><br /></span></section><section ><span >满期年复利IRR也更高，可达3.77%，约合存银行年利率5.16%！<br /></span></section><section ><span ><br /></span></section><section ><strong><span >这俩相比另外2款预定利率3.5%产品，收益也都要高出很多。</span></strong></section><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">三、</span></section><section ><br /></section><section ><span ><span >最后</span>针对这类产品，给大家几点建议：</span></section><section ><br /></section><section ><strong><span style="color: rgb(33, 89, 103)">1、</span></strong><span style="color: rgb(33, 89, 103)">不要看到4.025%产品就无脑买，有些是<span style="color: rgb(33, 89, 103)">实际收益不到3.5%的水货</span>；</span></section><section ><br /></section><section ><strong><span style="color: rgb(33, 89, 103)">2、</span></strong><span style="color: rgb(33, 89, 103)">若有真•4.025%年金险能买，可以不用考虑任何预定利率3.5%的同类年金产品；</span></section><section ><br /></section><section ><strong><span style="color: rgb(33, 89, 103)">3、</span></strong><span style="color: rgb(33, 89, 103)">由于担心利差损等原因，<span style="color: rgb(33, 89, 103)">真•4.025%年金险大多是短期产品，长期规划还得靠增额终身寿；</span></span></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><strong><span style="color: rgb(33, 89, 103)">4、</span></strong><span style="color: rgb(33, 89, 103)">年金险现金价值相对较低，无法像增额终身寿那样可以灵活退出，不确定能否等到满期再用钱，谨慎购买。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: start">此外，今天产品是以特定年龄测算的，</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: start"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: start">如教育金是0岁，实际孩子年龄越大，实际收益率会相应低一些。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start"><br /></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">想了解自家收益情况的</span></strong><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">朋友，</span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start"><br /></span></strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">可以扫描下图二维码找我团队专业规划老师。</span></strong></section><section style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484196&idx=1&sn=e5b4f7bd19fc5008eac7f634ddcccba5&chksm=e889f045dffe7953bb7c6791cbbfa37919a692f43281323d11d0ab583f484db042b57ff8100d&scene=21#wechat_redirect" textvalue="增额终身寿险和年金险选哪个？" linktype="text" imgurl="" imgdata="null" tab="innerlink" wah-hotarea="click" hasload="1" >增额终身寿险和年金险选哪个？</a></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493287&idx=1&sn=c67de5048364c763c64d745c8554dcf0&chksm=cfb60527f8c18c3174405593f6d532cb8f83f81e138e62eb17fdfc577bfbda31b5d6fac3c7be&scene=21#wechat_redirect" textvalue="关于增额终身寿，我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >关于增额终身寿，我把这些实话一次全告诉你</span></a><br /></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section><p ></mp-style-type></p>
