这有个年化4%的“五年期定存”

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTOWUxu37tibOO13ZPW183YTwSnnsjWztwnVZv3Qz9WvKNrPu45W7VFbIAtia0Hw1DKJFDmgsugZSakw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOWUxu37tibOO13ZPW183YTwSnnsjWztwnVZv3Qz9WvKNrPu45W7VFbIAtia0Hw1DKJFDmgsugZSakw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section 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></section><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">一、</span></p><p ><br /></p><p ><span >自去年底几次下调存款利率以来，存银行的确少了些吸引力。</span></p><p ><span ><br /></span></p><p ><span >相对较高的五年期定存，当前利率也就<strong>2.7%</strong>左右。</span></p><p ><span ></span><br /></p><p ><span >“<span >挪储</span>”成了新共识。</span></p><p ><span ><br /></span></p><p ><span >像近些年火出圈的增额终身寿，就是很多人<span >挪储的终点站。</span></span></p><p ><span ><span ><br /></span></span></p><p ><span ><span >只不过增额寿也有自身的缺陷：封闭期和收益不能兼得。</span></span></p><p ><br /></p><p ><span >现在收益第一梯队的增额寿，想要有可观的收益，至少也得<strong>7-8年</strong>。</span></p><p ><span ><br /></span></p><p ><strong><span >在此之前，想用钱，收益可能还不如存银行。</span></strong><span ><br /></span></p><p ><span ><br /></span></p><p ><span >有没有安全、高收益的超短期理财，来<span >填补这块市场空白</span>？</span></p><p ><span ><br /></span></p><p ><span >这就不得不提万能险了。</span><span ></span><br /></p><p ><span ><br /></span></p><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >万能险，也叫万能账户，一般基于寿险或年金险开发，</span></section><section ><span ><br /></span></section><section ><span >条款名常见为：xx寿险（万能型）、xx年金保险（万能型）。</span></section><section ><span ><br /></span></section><section ><span >与增额终身寿不同，万能账户几乎没有封闭期的概念。<br /></span></section><section ><span ><br /></span></section><section ><span ><strong>本金在扣取一定初始费用（多在1%-3%）后，就会全额进入账户，立即进行复利增值。</strong><br /></span></section><section ><span ><strong><br /></strong></span></section><section ><span >并且后续也能随时取用，或视产品情况继续追加，完美符合前文提到的要求。</span></section><section ><span ><br /></span></section><section ><span >只是这样安全、灵活、高收益的产品，却存在一个大缺点：</span><strong >捆绑销售</strong><span >。</span></section><section ><span ><br /></span></section><section ><span >市面绝大多数优秀万能账户，都会搭配低竞争力产品一起卖。</span></section><section ><span ><br /></span></section><section ><span >想单独买，要么直接拒绝，要么只给一个很低的额度（如只让买1万）。<br /></span></section><section ><span ><br /></span></section><section ><span >无论哪一种，都没</span><span >啥购买意义了...</span></section><section ><br /></section><section ><span >想改变这样的处境，就得有万能账户能做到：<strong>单独销售，不卡额度，收益不低</strong>。<br /></span></section><section ><br /></section><section ><span >这样的产品，我曾认为是没有的，结果最近还真找到了。</span><span ></span></section><section ><span ></span></section><section ><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">三、</span></section><section ><br /></section><section ><span >这款牛x的万能账户就是：</span><span style="color: rgb(33, 89, 103)">海保人寿金管家两全保险（万能型）</span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOWUxu37tibOO13ZPW183YTwPoLrgV40hiaaKyn8Ww2nQ3tr9XAwhQgVdAmLE3GWQsJWKYv4IaNibiblA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOWUxu37tibOO13ZPW183YTwPoLrgV40hiaaKyn8Ww2nQ3tr9XAwhQgVdAmLE3GWQsJWKYv4IaNibiblA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >5年</span><span >到期，可以单独购买，对大多数人来说额度也没啥限制。</span><span ></span></section><section ><span ><br /></span></section><section ><span >收益层面，万能险的两个重点利率：</span></section><section ><span ><br /></span></section><section ><span >保底利率是市面最高的<strong>3%</strong>，账户收益不会低于这个值；</span></section><section ><span ><br /></span></section><section ><span >现行结算</span><span >利率是<strong>4.25%</strong>，即我们现在实际到手的利率。</span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOWUxu37tibOO13ZPW183YTw8QOFsdT8iclCerUlUpolQE15soU8gWazfV8I3aFMY3eeUGicq73h7JKQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOWUxu37tibOO13ZPW183YTw8QOFsdT8iclCerUlUpolQE15soU8gWazfV8I3aFMY3eeUGicq73h7JKQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >其他的，我们每一笔投入金管家的钱，都会在扣取<strong>1.5%</strong>的初始费用后进入账户复利增值。</span></section><section ><span ><br /></span></section><section ><span >例如一次投入1万，实际进入账户的钱就是9850元。<br /></span></section><section ><span ><br /></span></section><section ><span >5年内要用钱的话，取出有手续费，第一年是5%，第二年4%...第五年1%，<br /></span></section><section ><span ><br /></span></section><section ><span >每次取钱，除非全部取出，否则每年最多只能取出保费的20%。</span></section><section ><span ><br /></span></section><section ><span >当然，由于存在手续费，不太建议前几年取用，最好等2年手续费降低了再说。<br /></span></section><section ><span ><br /></span></section><section ><span >成年人还会涉及一点风险保险费，本金10万，一年会收取几十元，可以用孩子名义买来规避。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(33, 89, 103)">四、</span><br /></span></section><section ><span ><br /></span></section><section ><span >接着来演示收益。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">先看当前实际结算利率<strong>4.25%</strong>的收益情况：</span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOWUxu37tibOO13ZPW183YTwkicQ0HAXCqr0mFicV9gibczqmiaOh70iaekSTxtSYJXAfWOeIicuB4TpsDrQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOWUxu37tibOO13ZPW183YTwkicQ0HAXCqr0mFicV9gibczqmiaOh70iaekSTxtSYJXAfWOeIicuB4TpsDrQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >本金10万，扣除1500元的初始费用后，剩下<strong>98500元</strong>进入账户复利增值。<br /></span></p><p ><span ><br /></span></p><p ><strong><span >当年末</span></strong><span >，减去风险保费后，账户价值就有102656元（全部取出要扣手续费后，只能拿97524元）；<br /></span></p><p ><span ><br /></span></p><p ><strong><span >第</span><span >2年末</span></strong><span >，减去风险保费后，账户价值有106987元（全部取出能拿102707元）；</span></p><p ><br /></p><p ><span >...<br /></span></p><p ><br /></p><p ><strong><span >第</span><span ><span ><span ><span >5年后</span></span></span></span></strong><span ><span ><span ><span >，产品到期，拿回121088元满期金，合同结束。</span></span></span></span></p><p ><span ><span ><span ><span ><br /></span></span></span></span></p><p ><span ><span ><span ><span >相当于5年净赚121088-100000=21088元，IRR约3.9%，</span></span></span></span></p><p ><span ><span ><span ><span ><br /></span></span></span></span></p><p ><strong><span ><span ><span ><span >相当于一份年利率4.22%的五年期银行存款！</span></span></span></span></strong></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">然后来看保底利率<strong>3%</strong>的利益演示：</span><br /></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOWUxu37tibOO13ZPW183YTw1Rd6rTEqyCKcSWROq4icsHeQskYuBBfOJB2rBMHLt3preLdyqyBCO0g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOWUxu37tibOO13ZPW183YTw1Rd6rTEqyCKcSWROq4icsHeQskYuBBfOJB2rBMHLt3preLdyqyBCO0g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span ><span ><span >本金10万，五年满期后可取回11.4万。</span></span></span></section><section ><span ><span ><span ><br /></span></span></span></section><section ><span ><span ><span >利息是</span></span></span><span ><span >1.4万，相当于一份年利率<strong>2.8%</strong>的五年期银行存款。<br /></span></span></section><section ><br /></section><section ><span >就是说，按保底算金管家万能账户满期收益也比同期银行存款略高一点。<br /></span></section><section ><span ><br /></span></section><section ><strong><span >何况就经验看，金管家还不至于短期内降到保底。</span></strong><span ><br /></span></section><section ><br /></section><section ><strong><span >届时实际年利率即便没有前面说的4%+，也应有3%-4%。</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >这个收益是啥水平？</span></section><section ><span ><br /></span></section><section ><span >我认为是：没有对手。</span></section><section ><span ><br /></span></section><section ><strong><span >收益更高的，不一定保本；足够安全的，收益没它高。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >这款产品，可能是当前“<span >安全、</span><span >高收</span><span >益</span>”<span >超短期理财的唯一解。</span></span><br /></section><section ><br /></section><section style="color: rgb(34, 34, 34)"><span ><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">产品购买链接，可以扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码找我团队专业规划老师获取。</span></strong></em></span></strong></span></section><section style="color: rgb(34, 34, 34)"><span style="text-align: center"><br /></span></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 ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493504&amp;idx=1&amp;sn=fe6fef6b0bdb5390409f74eeea7d57a4&amp;chksm=cfb60400f8c18d164c7051205062f7944b9539f2ed43df5f72f71cbdfdb93f1e4228b76510b4&amp;scene=21#wechat_redirect" textvalue="比存银行更好的存钱新路子" linktype="text" imgurl="" imgdata="null" tab="innerlink"><span >比存银行更好的存钱新路子</span></a></section><section ><br /></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</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 >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，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>