“内卷”加剧！富德「鑫禧年年」再上新

<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >前段时间我们见证了当前养老年金的巅峰——</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247497535&amp;idx=1&amp;sn=48d1e63032ce63cedb5c95764d9c5872&amp;chksm=cfb614bff8c19da9ac9c0081f344f2faed13f61647425388e441a7fcac6bf2d40b0231ab52f4&amp;scene=21#wechat_redirect" textvalue="富多多1号" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >富多多1号</span></a><span >（鑫禧年年A款）</span><span >。</span></section><section ><span ><br /></span></section><section ><span >在兼顾高额退保金和身故金的基础上，还有着极高的年金领取，很难得。</span></section><section ><span ><br /></span></section><section ><span >没想到的是，在市面还没有同水平对手的情况下，</span></section><section ><span ><br /></span></section><section ><span >富德生命又上新了<strong>鑫禧年年B款</strong>。</span></section><section ><span ><br /></span></section><section ><span >本就有烈火烹油之势的年金市场，再次向前走了一大步。</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">一、</span></section><section ><span ></span></section><section ><br /></section><section ><span >鑫禧年年B款，销售名也叫<strong>鑫禧年年（2024）</strong>：</span><br /></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNc6V0GEurANVrK3RPeDO67SHvbLJUYXtyr5JedeQlhLkvkXKiaXnToEiajsjJhJCZSyaQqlTrxYvCg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNc6V0GEurANVrK3RPeDO67SHvbLJUYXtyr5JedeQlhLkvkXKiaXnToEiajsjJhJCZSyaQqlTrxYvCg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >和富多多1号一样，还是由业内top10的大公司——<strong>富德生命人寿</strong>承保。</span></section><p ><br /></p><p ><span >产品设计这块和富多多1号也极为相似，</span><span >提供了两个保障</span><span >方</span><span >案：</span></p><p ><br /></p><section ><span style="color: rgb(33, 89, 103)"><em><span >方案一：被保人身故身故给付现金价值；<br /></span></em></span></section><section ><span style="color: rgb(33, 89, 103)"><em><span ><br /></span></em></span></section><section ><span style="color: rgb(33, 89, 103)"><em><span >方案二：被保人身故给付保证领取期20年内应领未领的养老金。</span></em></span><em><span style="color: rgb(33, 89, 103)"></span></em></section><section ><span ><br /></span></section><section ><span >正常来说，<strong>选方案一就可以了</strong>。</span><span ></span></section><section ><span ><br /></span></section><section ><span >养老金、退保金、身故金各方面表现都很优秀，相比养老金偏低的方案二更适合用来养老</span><span >。</span></section><section ><span ><br /></span></section><section ><span >只是要注意，</span><span >方案一身故是赔付现金价值，50岁以上的</span><strong><span >高</span><span >龄</span><span >人群</span></strong><span >投保后，留给现金价值增长的空间很小。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >可能</span><span >会出现领取没几年，不幸身故导致</span><span >保</span><span >费都没拿回来</span><span >的</span><span >情</span><span >况。</span><span ></span></section><section ><span ><br /></span></section><section ><strong><span >与富多多1号不同的是，这次鑫禧年年B款提供了祝寿金。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >85岁和95岁时还活着，能分别拿一笔等于<span >养</span><span >老金</span>1.5倍和5倍的祝寿金。</span></section><section ><span ><br /></span></section><section ><span >其他的，都和富多多1号基本一致，这里就不重复说了。<br /></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">二、</span></section><section ><br /></section><section ><span >下面还是来看产品收益，鉴于方案二整体不够突出，我们依旧用最强形态方案一来对比。</span></section><section ><span ><br /></span></section><section ><span >参与对比的产品，既有自家兄弟富多多1号（鑫禧年年A款），和鑫禧年年尊享版。</span></section><section ><span ><br /></span></section><section ><span >也有星海赢家龙腾版、大家慧选、养多多5号等超一流产品。</span></section><section ><span ><br /></span></section><section ><span >分别以40岁投保、年交10万、5年交为例，进行测算。</span></section><section ><span ></span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNc6V0GEurANVrK3RPeDO67GpaE1VysN3kbf9r7hicm2KwBCmEILWpd7TBG7q4kk9NNqupgEX7TnBg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNc6V0GEurANVrK3RPeDO67GpaE1VysN3kbf9r7hicm2KwBCmEILWpd7TBG7q4kk9NNqupgEX7TnBg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >女性的投保情况，主要看鑫禧年年B款和富多多1号的对比即可。</span><span ></span></section><section ><span ><br /></span></section><section ><span >毕竟其他几款的数据，没一个是富多多1号的对手。</span></section><section ><span ><br /></span></section><section ><span >前面说过，<span >鑫禧年年B款和富多多1号最大区别是它有祝寿金，真要说养老金，会比富多多要低一点。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >这是不是说在领取祝寿金（85岁）前，都是富多多占优？</span><br /></span></section><section ><span ><span ><br /></span></span></section><section ><strong><span ><span >也不是，由于鑫禧年年B款的现金价值要高很多，实际退保回报这俩几乎是差不多的。</span></span></strong><span ><span ></span></span></section><section ><br /></section><section ><span >所以，对预期寿命较乐观、可能存在退保需求的朋友，选择鑫禧年年B款最好；</span></section><section ><span ><br /></span></section><section ><span >想要每年拿高额养老金的，那还是富多多1号更合适。</span></section><section ><span ></span></section><section ><br /></section><section ><span >接着来看男性的投保结果，<br /></span></section><section ><span ><br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNc6V0GEurANVrK3RPeDO67ogbiamZHqhInvVbqevODZ9MIRJ1fNZwwxGicQU5icToy6TeiaqQUoVBr2g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNc6V0GEurANVrK3RPeDO67ogbiamZHqhInvVbqevODZ9MIRJ1fNZwwxGicQU5icToy6TeiaqQUoVBr2g/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><p ><span >男性投保，只看鑫禧年年B款和富多多1号的话，结论和女性几乎一致。</span></p><p ><span ><br /></span></p><p ><span >不过鑫禧年年B款的回报数据更好看一些。</span></p><p ><span ><br /></span></p><p ><span >还有个黑马是：<strong>星海赢家龙腾版</strong>。</span></p><p ><span ><br /></span></p><p ><span >这款在男性投保时，优势极为明显，富多多一年领5.21万，星海赢家直接5.57万。</span></p><p ><span ><br /></span></p><p ><span >缺点是</span><span >退保金和</span><span >身故金表现较差，额度低不说，在保证领取期（72岁）后，这两项直接归零。</span></p><p ><br /></p><p ><span >鑫禧年年B款和富多多1号可都是90岁前有，在这期间<span >急用钱可以退保，</span>身故也可以留给家人一笔钱。</span></p><p ><br /></p><p ><span >因此结论和测评富多多1号那时候一样，</span></p><p ><span ><br /></span></p><p ><strong><span >就数据</span><span >看，85岁之前的回报鑫禧年年系列更</span><span >高，也基本覆盖到男性的平均寿命了；</span></strong></p><p ><br /></p><p ><strong><span >不是想追求极致养老金的，或者对预期寿命很自信的，星海赢家倒也没那么有吸引力。</span></strong><span ></span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">三、</span></p><p ><br /></p><section ><span >鑫禧年年B款，实际就是富多多1号（即鑫禧年年A款）的“异化版”。</span></section><section ><span ><br /></span></section><section ><strong><span >降低一点养老金领取，新增了高龄可拿的祝寿金，并提升了退保金（现金价值）。</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >这番操作也比较讨巧，</span></section><section ><span ><br /></span></section><section ><span >没拿到祝寿金的时候，因为退保金较高，生存总利益并不比富多多1号差；</span></section><section ><span ><br /></span></section><section ><span >等退保</span><span >金快没了，刚好又能拿祝寿金，也能维持一定的回报优势。</span></section><section ><br /></section><section ><span >不过，个人认为鑫禧年年B款的对手，并不是富多多1号。</span></section><section ><span ><br /></span></section><section ><span >这俩都是当前超一流的养老金，形态也不完全一致，分别有各自的受众。<br /></span></section><section ><span ><br /></span></section><section ><span ><span >鑫</span><span >禧</span><span >年年</span><span >B款只是提供了另一种选择，有祝寿金的选择。</span></span><span ></span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >相比富多多1号，市场上同样以祝寿金为卖点的养老金，可能才是接下来最难受的。<br /></span></span></section><p ><br /></p><section ><br /></section><section ><strong><em><span style="color: rgb(33, 89, 103)">有问题，可扫描下图二维码咨询我团队的专业规划老师。</span></em></strong><span ></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247496666&amp;idx=1&amp;sn=6ed587679d0f67d166246df32328798f&amp;chksm=cfb6105af8c1994c727f56db310d5591771ba8c785ba443c7d87651a97d11bbdc79541e162d4&amp;scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" style="color: var(--weui-LINK)"></a></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>