<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%2FaqibLpHUEczuhEW8u4CHjxViaEN19kad06eqvjq1O5UVZPIqsff5w3QovhuhbP0I6aTAqBkMRhxKc3nrUiaFjJNDA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuhEW8u4CHjxViaEN19kad06eqvjq1O5UVZPIqsff5w3QovhuhbP0I6aTAqBkMRhxKc3nrUiaFjJNDA/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 >继筑梦未来、瑞享年年后，又一款预定利率4.025%的定期年金险短暂复活了。</span></section><section ><span ><br /></span></section><section ><span >这次是恒大人寿的产品——<strong>锦绣前程</strong>。</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 style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >一直以来，对于短期理财需求，我都不推荐去买3.5%的增额寿险。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >原因就是目前仍有少量<strong>预定利率4.025%</strong>定期年金险存活，短期收益远胜增额寿</span><span >。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><em><span >*注：教育金、婚嫁金等只是用途，产品本身还是定期年金险。</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >按理说<strong>2019年后</strong>，不就停止开发4.025%产品了，怎么还会有这样的产品？</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: left"><span >是这道理，不过监管要求只影响后来的新品，并没有禁止2019年前的<span style="color: rgb(51, 51, 51); text-align: justify">4.025%</span>产品继续销售。<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >例如目前在售的2款，<strong>恒大锦绣前程、</strong><strong>招商</strong><strong>仁</strong><strong>和小状元</strong><span style="color: rgb(34, 34, 34); text-align: justify">（和你童行），早在<strong>2018年</strong>就有了。</span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNPQkKwWakosHEEiaT2uM1g9WKGvHy0j0vO0CPh2XOG4aN786S5aOh3W4qA04NRbHtsxjfy17KLFwQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNPQkKwWakosHEEiaT2uM1g9WKGvHy0j0vO0CPh2XOG4aN786S5aOh3W4qA04NRbHtsxjfy17KLFwQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><p style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNdfSavGzdBTvZtl9gEyQZCNptNW56wibdcWdAVq8rE9HKUpdgH2Uysgyv2SLVGVadfKADlatp1Xkw%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNdfSavGzdBTvZtl9gEyQZCNptNW56wibdcWdAVq8rE9HKUpdgH2Uysgyv2SLVGVadfKADlatp1Xkw/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >只是随着利率持续下行，保险公司不太愿意继续卖这类高定价利率产品了。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >因此，我们只能看到，<strong>偶尔有某款4.025%产品复活，卖一段时间就下架</strong><em>（控制保费规模）</em>。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >之前的筑梦未来、恒盈年年、瑞享年年等，都是如此。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >估计保险公司愿意卖段时间，一是“赔本赚吆喝”，没指望赚钱，搞点声量和保费；</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >二是，控制销售时间或保费规模+这类定期年金险通常就保十几年，使得风险相对可控。<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >这样一来，只要还有4.025%年金，由于定价利率上浮了15%，短期理财这块，3.5%的增额寿险就没啥优势了。</span></strong></section><section ><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >下面来看产品，</span></section><section ><span ><br /></span></section><section ><span >除了小状元、锦绣前程这俩4.025%老产品，还找了2款今年上线的热门新品</span><span >：</span></section><section ><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNPQkKwWakosHEEiaT2uM1g9FgKmlcNmCN0CvJibhaucjBMicV9Z23nCiaL5NOFnWUJFFWFSZCzQdCia8Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNPQkKwWakosHEEiaT2uM1g9FgKmlcNmCN0CvJibhaucjBMicV9Z23nCiaL5NOFnWUJFFWFSZCzQdCia8Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >再次提醒，教育金虽是定期年金险，但只能给<strong>适龄子女</strong>投保，像</span><span >锦绣前程最高承保年龄只有10岁。</span></section><section ><span ><br /></span></section><section ><span >与主流教育金的18岁开始领取不同，<span style="color: rgb(51, 51, 51); text-align: justify">锦绣前程领取规则是：</span></span></section><section ><span ><br /></span></section><ul ><li><p ><span >第5年领取一笔成长关爱金（1%保费）；</span></p></li><li><p ><span >16-18岁，可以连续领取3年的高中教育金（5%保费）；</span></p></li><li><p ><span >19-22岁，每年可领取大学教育金（15%保费）；</span></p></li><li><p ><span >23-24岁，还可领取2笔深造教育金（20%保费）；</span></p></li><li><p ><span >最后，25岁期满，给付一笔成家立业金（100%保额）。</span></p></li></ul><section ><span ><br /></span></section><section ><span >看起来复杂，其实就是不同阶段按比例给保费罢了。</span></section><section ><span ><br /></span></section><section ><span >产品规则上，锦绣前程支持<strong>趸交</strong>（一次交清）、<strong>3年/5年交</strong>，</span></section><section ><span ><br /></span></section><section ><span >其中趸交50000元起买，3年交是30000元，5年交20000元起。</span></section><section ><span ><br /></span></section><section ><span >保障期限是到孩子25岁为止，假设5岁孩子买，实际持有时间就是20年。</span></section><section ><br /></section><section ><span >身故责任也有，给付已交保费和现金价值较大者。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">此外，锦绣前程还能附加恒大传家宝万能账户，保底2.5%，当前结算利率4.8%，有需求可以附加。</span></section><section ><br /></section><section ><span >了解完产品详情后，我们接着来看恒大「锦绣前程」的收益情况。</span></section><section ><br /></section><section ><br /></section><section ><strong ><span style="color: rgb(33, 89, 103)">三、</span></strong></section><p ><br /></p><p ><span >以0岁男孩，一次性交10万为例，</span></p><p ><span ><br /></span></p><p ><span >看下4款教育金的<strong>收益情况</strong>及<strong>IRR</strong>数据：</span></p><p ><span style="text-align: center"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNPQkKwWakosHEEiaT2uM1g9LGgLr1VicllkwjfNsFRRN0PkJD24lYpWTrbXlgp7ibjP128aqgM616UA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNPQkKwWakosHEEiaT2uM1g9LGgLr1VicllkwjfNsFRRN0PkJD24lYpWTrbXlgp7ibjP128aqgM616UA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: left"><span style="text-align: justify"><br /></span></section><section ><span >可以看出2点：</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">① 预定利率4.025%和3.5%，收益差距真的很大。</span></section><section ><span ><br /></span></section><section ><span >同样交10万，<span style="color: rgb(51, 51, 51); text-align: justify">恒大「锦绣前程」持有25年，涨到约24万，<strong>25年赚了14万</strong>；</span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><span style="text-align: justify">新品中英「明爱小太阳」持有30年，才<span style="text-align: justify">涨到21万多，</span></span><strong>30年赚了11.4万</strong>，晚5年拿满，还少了2.5万的利息<span style="text-align: justify">。</span></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="text-align: justify; color: rgb(33, 89, 103)">② 同类4.025%产品中，<span style="text-align: justify">锦绣前程</span>收益依旧拔尖。</span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section ><span style="color: rgb(51, 51, 51); text-align: justify">恒大「锦绣前程」，满期IRR最高<strong>3.889%</strong>，相当于这笔钱存银行年利率给到<strong style="color: rgb(51, 51, 51); text-align: justify"><strong style="color: rgb(51, 51, 51); text-align: justify">6.138%！</strong></strong></span></section><section ><br /></section><section ><span >比同为老产品的招商仁和「小状元」还要高一些。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span >反观增额终身寿险，25年内的实际收益率IRR，最高也就3.49%。</span></strong></span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">因此，对于短期理财需求，<strong style="color: rgb(51, 51, 51); text-align: justify"><span >恰好有娃的话，</span></strong>选锦绣前程、小状元这类老产品，明显更合适。</span></strong></span></section><section ><br /></section><section ><span >就像咱们曾经说的，</span></section><section ><span ><br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)">比起<strong >保终身、IRR3.49%的增额终身寿</strong>，</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)"><span >锦绣前程可以理解为</span><strong ><span >最长保25年、IRR3.89%的</span></strong><strong ><span >“<strong ><span >增额定期寿</span></strong>”</span></strong><span >。</span></span><span style="color: rgb(33, 89, 103)"><em ><span ></span></em></span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(51, 51, 51); text-align: justify">招</span><span style="color: rgb(51, 51, 51); text-align: justify">商仁和「</span><span style="color: rgb(51, 51, 51); text-align: justify">小</span><span style="color: rgb(51, 51, 51); text-align: justify">状</span><span style="color: rgb(51, 51, 51); text-align: justify">元」</span>，虽然满期IRR没有锦绣前程高，但胜在有着不低于增额终身寿的现金价值。</span></section><section ><span ><br /></span></section><section ><span >万一，中途急用钱退保的话，等不到满期，锦绣前程收益就没小状元多了。</span></section><section ><span ><br /></span></section><section ><span >综上，</span><span ><br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0)">确定能等满期（孩子25岁）后再用钱，<strong>锦绣前程</strong>是当前短期理财第一推荐；<br /></span></section><section ><span style="color: rgb(255, 0, 0)"><br /></span></section><section ><span style="color: rgb(255, 0, 0)">不确定中途要不要用钱，持有时间较短、现金价值高的<strong>小状元</strong>更合适；<br /></span></section><section ><span style="color: rgb(255, 0, 0)"><br /></span></section><section ><span style="color: rgb(255, 0, 0)">家里没有适龄儿童，或想长期理财（20年以上）的朋友，还是选老老实实选<strong>增额终身寿</strong>。</span><br /></section><section ><span ><br /></span></section><section ><span >非预定利率4.025%的新品教育金，就没必要选了，不如买增额寿。</span></section><section ><span ><br /></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><em><span >想了解收益第一梯队的增额寿，可以看下我之前的</span><span >详细评测：</span></em><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494591&idx=1&sn=f114f9fd3bff775622dd70cc38e831fd&chksm=cfb6083ff8c18129bccc84f79f44bfebfa82488eec89aeff43b4e06c5c3af67623cb1ed4d9e4&scene=21#wechat_redirect" textvalue="收益排行榜，所有增额寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><em><span >收益排行榜，所有增额寿大PK</span></em><em><span ></span></em></a></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">注意，前面案例是以0岁孩子购买测算，孩子年龄越大，持有时间越短，IRR会相应低一些。</span><strong ></strong></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10岁买锦绣前程<span style="text-align: start">（保到25岁）</span>，因为持有时间降到15年，满期IRR会降到3.76%。</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">老规矩，想了解自家收益情况的朋友，</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</span></strong><strong style="color: rgb(0, 0, 0)"><span >长按扫描下图二维码进入</span></strong><strong ><span style="color: rgb(33, 89, 103)">【懂保爷】公众号</span></strong><strong style="color: rgb(0, 0, 0)"><span >，关注后点击正下方“免费咨询”菜单找我团队专业规划老师。</span></strong></section><section ><strong style="color: rgb(0, 0, 0)"></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif" 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)"><strong ><span >怎么选理财险：</span></strong><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 ><br /></section><section ><strong ><span >增额寿险评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494591&idx=1&sn=f114f9fd3bff775622dd70cc38e831fd&chksm=cfb6083ff8c18129bccc84f79f44bfebfa82488eec89aeff43b4e06c5c3af67623cb1ed4d9e4&scene=21#wechat_redirect" textvalue="收益排行榜，所有线上线下增额终身寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494591&idx=1&sn=f114f9fd3bff775622dd70cc38e831fd&chksm=cfb6083ff8c18129bccc84f79f44bfebfa82488eec89aeff43b4e06c5c3af67623cb1ed4d9e4&scene=21#wechat_redirect" textvalue="收益排行榜，所有线上线下增额终身寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink">收益排行榜，所有线上线下增额终身寿大PK</a></span><strong ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494591&idx=1&sn=f114f9fd3bff775622dd70cc38e831fd&chksm=cfb6083ff8c18129bccc84f79f44bfebfa82488eec89aeff43b4e06c5c3af67623cb1ed4d9e4&scene=21#wechat_redirect" textvalue="收益排行榜，所有线上线下增额终身寿大PK" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mpprofile></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>
