<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"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTNxcyWY8hhiaLq6GkyQdAMMwFjaM3hPqicxsoW8RbRbiaLIa5nkP2BMBa7TUicvV1fph4iaVBkRdA34NaQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTNxcyWY8hhiaLq6GkyQdAMMwFjaM3hPqicxsoW8RbRbiaLIa5nkP2BMBa7TUicvV1fph4iaVBkRdA34NaQ/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 style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >正值保险公司<span >2023</span>“开门红”时期，各家推荐的仍是<strong>短期理财险</strong>（7年/8年到期）+<strong>万能账户</strong>的经典组合。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >这个组合重点是结算利率<span >4.x%的</span>万能账户，</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >主险收益可以忽略，</span><span >满期收益率才1.x%，相当于保险公司可以“无成本占用”我们投进主险的本金好几年。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><strong><span >这样即使万能账户结算利率较高，整体收益也被主险那部分本金拉低了。</span></strong></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >难道没办法兼顾两者收益吗？</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >复星保德信的「星盈家」给了我们一个完美的解决方案。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozHT11LHCQHtOhS2icBMJa4dB2WHW8LXhwFtSy0LtBCPrlPibDtLekPFAA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozHT11LHCQHtOhS2icBMJa4dB2WHW8LXhwFtSy0LtBCPrlPibDtLekPFAA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></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 >星盈家是一款增额两全险（寿险的一大分支），和增额终身寿区别在于：</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 >终身寿险统一保至<strong>105岁</strong>，两全险保险期间不定，保至80岁、100岁都有，例如星盈家是保到</span><strong><span >99岁</span></strong><span >。</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 >承保公司是<strong>复星保德信人寿</strong>（以下简称复保），是一家较为少见的<strong>中美合资</strong>险企。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozVoEibwyInaeRvjdiboYmTI5ibIQ1tMAkLDY8kanv8hfiaQC77AicLTGT9Xg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozVoEibwyInaeRvjdiboYmTI5ibIQ1tMAkLDY8kanv8hfiaQC77AicLTGT9Xg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozoH8hEJZ4E9wLfaWBTRxlnEXOHyKJhwBzSa4cYcnCicKsLjtEXKqtcMQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozoH8hEJZ4E9wLfaWBTRxlnEXOHyKJhwBzSa4cYcnCicKsLjtEXKqtcMQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >中国股东是<strong>复星集团</strong>，这个大家应该较为熟悉；<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 >美国股东是</span><strong><span >保德信金融集团</span></strong><span >，全球最大的金融机构之一，2022年“世界500强”第175位。</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 >就起跑线来说，复保已经胜于大多数保险公司了。<br /></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 >产品层面，复保「星盈家」缴费期支持趸交、3/5/10年交，支持隔代投保和设置第二投保人。</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 >满足保费要求，还能对接复保旗下高端养老社区，以及保险金信托。<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 >此外，星盈家很罕见地<strong>支持加保</strong>，60岁前都能加，趸交新单式加保，最少3万元起加。</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 >不过增额寿加保这功能大家也清楚，一切都是未知数，保司随时可以关，尽量别寄希望于加保。</span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozib6Oicu2iboK9cNvHiasBRibjPQqXOAnm39lvq6VKdk8FeuZeeibZzibnvn7w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozib6Oicu2iboK9cNvHiasBRibjPQqXOAnm39lvq6VKdk8FeuZeeibZzibnvn7w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >减保功能上，星盈家满5年可减，每年限制20%累计已交保费（保费减保后重新计算），即越减越少类型，有频繁减保需求的话可以拆单购买。</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 >最后，就是星盈家的重磅功能：</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 >可附加顶级万能账户——<strong>天天盈（庆典版）</strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgoztAB96f0mdVibGlVOnvXDG2g7X4z98qPcSa2yR0Lo3jXYqBUST5S1Etg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgoztAB96f0mdVibGlVOnvXDG2g7X4z98qPcSa2yR0Lo3jXYqBUST5S1Etg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这个万能账户险保底利率是当前最高的<strong>3%</strong>，多数产品保底只有1.75%-2.85%；</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 >结算利率<strong>4.9%</strong>，同样是市面顶尖水平，并且复保结算利率相当稳定。</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 >根据官网披露数据，天天盈系列有多款万能账户，维持4.9%左右的高结算利率已经5年以上。</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 >相关费用这块，天天盈前5年部分领取或退保有手续费，分别收5%、4%、3%、2%、1%，第6年及以后不收。</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 >后续向天天盈万能账户<strong>追加</strong>的规则如下：<br /></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozBrBiciaUgia2iaZG8DD3qDhuZ2Nc2cX0JylibCLdrvCz3sViatYycEEbDgEQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozBrBiciaUgia2iaZG8DD3qDhuZ2Nc2cX0JylibCLdrvCz3sViatYycEEbDgEQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >星盈家总保费150万以上，可追加3倍金额天天盈（追加保费会收取2%初始费用，不过后续会返还1%）；</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 >当然，万能账户很优秀没错，主险星盈家的收益可能更重要。</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 >要是和某些开门红产品一样，主险收益反向拉低万能账户收益，购买意义就不大了...</span></section><p style="color: rgb(51, 51, 51); text-align: justify"><br /></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 style="color: rgb(33, 89, 103); text-align: start">二、</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 >这里把主险<strong>星盈家</strong>增额寿，和当前市面第一梯队的增额终身寿（包括几款“知名”产品）放一起、分缴费期进行对比。</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 style="color: rgb(33, 89, 103)"><strong><span >1、趸交（一次交清）</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"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozc7FY3k8O4mUbRjT9vwe6y9xlCGibJia6Gaib0ianiawQtHjetBiaBN9W7ia2A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozc7FY3k8O4mUbRjT9vwe6y9xlCGibJia6Gaib0ianiawQtHjetBiaBN9W7ia2A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">收益前三标记为：</span><span style="color: rgb(255, 0, 0)">红</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(255, 104, 39)">橙</span><span style="color: rgb(136, 136, 136)">＞</span><span style="color: rgb(0, 128, 255)">蓝</span><span style="color: rgb(136, 136, 136)">，下同</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><span >可以看到星盈家收益优势在于<strong>前20年</strong>，这期间收益在市面能排到第二；</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >尤其是<strong>持有6-10年，当前收益第一</strong>，并甩开其他产品非常多。<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >弘运连连回本很快，但收益增速非常低，在高过星盈家的第3-5年，还不如存银行利息高（年利率只有1%多点）。</span><em><span ><br /></span></em></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >星盈家就不同了，</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozNL8fCo6icQSSN7QTm0begBMl9BuT7lJpExEWgJU7W83Ja87eweTYCNQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozNL8fCo6icQSSN7QTm0begBMl9BuT7lJpExEWgJU7W83Ja87eweTYCNQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >分析详细收益率数据可看出，买星盈家一次交清30万，</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><strong><span style="color: rgb(33, 89, 103)">第6年末</span></strong><span style="color: rgb(33, 89, 103)">就有36.3万，净赚6.3万，折合年利率超过<strong>3.5%</strong>（单利）；<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)"><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><strong><span style="color: rgb(33, 89, 103)">第7年末</span></strong><span style="color: rgb(33, 89, 103)">就有37.6万，折合年利率超过<strong>3.6%</strong>（单利）；</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)"><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)">第8年末就有38.9万，折合年利率超过3.7%（单利）；</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)"><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)">第9年末就有40.3万，折合年利率超过3.8%（单利）。</span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >开门红产品现在很多都是<strong>保8年</strong>结束，这个时间点，多数产品年利率算下来2%不到。<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >星盈家这时候全部取出，年利率多少？<strong>3.6%！</strong><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span >这比存银行都划算很多，相当于一份8年期、年利率3.6%的定期存款了。<br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><br /></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><span ><strong>注意，前10年只是星盈家的最优时间段，实际前20年星盈家都有着不错的收益。</strong></span></p><p style="color: rgb(51, 51, 51); text-align: justify"><br /></p><section style="color: rgb(51, 51, 51); text-align: justify"><span style="color: rgb(33, 89, 103)"><strong><span >2、三年期+五年期缴费</span></strong></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span ><br /></span></strong></section><p style="color: rgb(51, 51, 51); text-align: justify"><strong><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozcLhT8csFDPlGoHiaHHKFHXySs1khiaibnG9locgOlRGoPibdu5TXWsKicRg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozcLhT8csFDPlGoHiaHHKFHXySs1khiaibnG9locgOlRGoPibdu5TXWsKicRg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></span></strong></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">3年期缴费</span></section><section style="text-align: center"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozXxNd6O3be4koZO259E4utJMMUVSUQsDebG3DRXxp9icicaX53EH57YNw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozXxNd6O3be4koZO259E4utJMMUVSUQsDebG3DRXxp9icicaX53EH57YNw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">5年期缴费</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 >3年交和5年交，星盈家地位差不多，<strong>10年内还是无敌</strong>；</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 >但10-20年的时间段，相比之前排名降了一位。</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 >下面</span><span >以本金30万、分3年交为例，看看收益详情：</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgoziaEjzgic6OqxXa67gc5PBtltue6n242EBZp0GvJiaSDFUYvnlOfwz3aicA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgoziaEjzgic6OqxXa67gc5PBtltue6n242EBZp0GvJiaSDFUYvnlOfwz3aicA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >10年内，仍是同类翘楚，比定期存款也高些。</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)"><strong><span >3、十年期缴费</span></strong></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 >十年期缴费，星盈家没有任何优势，无论前期、后期，top3都排不上。</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgoz1tmU0O6JnPHwCcseZNRXAk1uhiacNKUtpVY7iancg8lhicCVDonuf7jQA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgoz1tmU0O6JnPHwCcseZNRXAk1uhiacNKUtpVY7iancg8lhicCVDonuf7jQA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span >不建议选这个缴费期。</span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></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); text-align: start">三、</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 >实际星盈家还有个特点，是<strong>末期收益</strong>。</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 >经测算，45岁以下购买星盈家，假设能长期持有，</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 >那么在被保人<strong>90岁左右，到99岁之间</strong>，这十几年的IRR（年复利）可以突破3.5%的上限。</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 >以给10岁孩子一次交清30万，<strong>持有80年不动</strong>，到90岁为例，<span >IRR（复利）可达3.509%</span></span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozibTMprzvxUG3Gm6FFD25k8ZdelCVpSY5mEDyksdpC0BDPm7tgdhibXqA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozibTMprzvxUG3Gm6FFD25k8ZdelCVpSY5mEDyksdpC0BDPm7tgdhibXqA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >因此，复保「星盈家」实际有两种用途：</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 style="color: rgb(33, 89, 103)">① 当作短期理财，最短7年即可取用，持有20年内收益都比较可观；<br /></span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span style="color: rgb(33, 89, 103)"><br /></span></strong></section><section style="color: rgb(51, 51, 51); text-align: justify"><strong><span style="color: rgb(33, 89, 103)">② 当作家庭资产传承工具用，短期不用，等90岁取出，收益也非常可观。</span></strong><span style="color: rgb(33, 89, 103)"></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 >那持有20年后，又等不到90岁，这种情况怎么办？<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 >我的建议是：<strong>换产品</strong>。<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 >星盈家在上述时间段，收益异常平庸，目前有的是产品比他好。<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 >平庸的原因也很直接，复保在开发这款产品时，把它第22年左右的现金价值<strong>近乎“停止增长”了1年</strong>。</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 >这点可以看上一段的详细收益率，持有23年的收益率（无论IRR还是单利），反而不如持有22年。</span><em><span ></span></em></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><span >这样的刻意调整，后面也有，就是90岁左右，不过那是<strong>收益大幅提升</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"><em><span >*注：这应该算是产品开发的“小心机”，毕竟要是星盈家从第22年后一直强劲增长到后期，铁定已经被监管“收了”，哪还能活到现在。</span></em><span ></span><span ></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 >所以考虑到大多数人的持有时</span><span >间，</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 style="color: rgb(33, 89, 103)">星盈家这款还是建议“短视”一点，它并不是“<strong>全周期产品</strong>”，除了前期和极后期，其他时候收益不算突出；</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)">搭配的万能账户也适合短期赚点利息，毕竟长期来看高结算利率无法持续。</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 >要是过个几年，回归保底利率3%，就不如增额寿了，这也是所有万能账户的“通病”，大家要做好心理预期。</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"><span >最后附当前</span><span >增额终身寿挑选建议：</span></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><p style="color: rgb(51, 51, 51); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM5DfJibgQicVa8RBPdLNcgozkqG50sdVuPxBibRwLZ8zT7DWUKsrGu4Lmc3aJOzkxoBzJ8goyVdNaUw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM5DfJibgQicVa8RBPdLNcgozkqG50sdVuPxBibRwLZ8zT7DWUKsrGu4Lmc3aJOzkxoBzJ8goyVdNaUw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(51, 51, 51); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><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==&mid=2247493504&idx=1&sn=fe6fef6b0bdb5390409f74eeea7d57a4&chksm=cfb60400f8c18d164c7051205062f7944b9539f2ed43df5f72f71cbdfdb93f1e4228b76510b4&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><br /></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></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247495728&idx=1&sn=b49631a09453b07c49527852adcff558&chksm=cfb613b0f8c19aa60260bb367a3d5e3201c821a2a7002275c06b8efc552bf592c53d96701775&scene=21#wechat_redirect" textvalue="一图了解【懂保爷】" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >一图了解【懂保爷】</span></a></section><section ><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><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></section><section style="text-align: left"><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>
