<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%2FO95eeDepqTMeTOcFBYXdvJYnRicibfck47EclmDrE52RWNicTSJNWURa4KCqSnJibXKGyz1MhaRibicLuTa1bwPYhXbg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMeTOcFBYXdvJYnRicibfck47EclmDrE52RWNicTSJNWURa4KCqSnJibXKGyz1MhaRibicLuTa1bwPYhXbg/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 >上回在 </span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496275&idx=1&sn=1ff84378038e029d5d22401b8b3becf0&chksm=cfb611d3f8c198c55b2e7a7cbb457dd5223fccf8437f0edeeeac551531ca7caa3f7145b87697&scene=21#wechat_redirect" textvalue="4.025%年金险，这些还能买" linktype="text" imgurl="" imgdata="null" tab="innerlink">4.025%年金险，这些还能买</a></span><span > </span><span >提到，目前只剩4款好产品：</span></section><section ><span ><br /></span></section><section ><span >分别是2款<strong>教育金</strong>（i宝贝，锦绣前程），和2款<strong>常规年金</strong>（其乐融融，锦绣源）。</span></section><section ><br /></section><section ><span >好在这段时间的测评中，又被我找到了两款“悄悄复活”的4.025%年金。</span></section><section ><span ><br /></span></section><section ><span >一款是只能给孩子买的教育金，一款是常规年金，</span><span >今天就接着聊聊这两款“新品”。</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 >说是新品，实际都是老前辈了。</span></section><section ><br /></section><section ><span >因为早在2019年，监管限制年金险定价利率后，就不存在<span >4.025%新品这一概念了。</span></span></section><section ><span ><br /></span></section><section ><span >我们现在说的4.025%产品，全都是<strong>2018年或更早</strong>就备案好的产品。</span></section><section ><span ><br /></span></section><section ><span >例如今天的主角，福佑金生年金险、金状元教育金：<br /><br /></span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMeTOcFBYXdvJYnRicibfck47PiaamRxoOOhOPiczqOr3cfIBSEGY1YHn8xjLEka3Duh86d0YnXfKRNyQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMeTOcFBYXdvJYnRicibfck47PiaamRxoOOhOPiczqOr3cfIBSEGY1YHn8xjLEka3Duh86d0YnXfKRNyQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMeTOcFBYXdvJYnRicibfck47YN0n5EnibLMGscHBNr9bMsmndvZzTibibaMic9pnQzUMb221cyhQvKWbvg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMeTOcFBYXdvJYnRicibfck47YN0n5EnibLMGscHBNr9bMsmndvZzTibibaMic9pnQzUMb221cyhQvKWbvg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >一个是2018年的产品，一个是2017年的产品。</span></section><section ><span ><br /></span></section><section ><span >由于监管只是限制了开发新品，并未强制要求停售，所以这些存量老产品就成了保险公司的“工具人”。</span></section><section ><span ><br /></span></section><section ><span >缺保费了，就悄悄拿出来收点保费，毕竟回报够高，好产品不愁卖。<br /></span></section><section ><span ><br /></span></section><section ><span >但成也萧何、败也萧何，高回报对保险公司也有较大的压力。</span></section><section ><span ><br /></span></section><section ><span >于是这类产品往往卖一段时间，就得停售了。</span></section><section ><span ><br /></span></section><section ><span >悄悄的来，悄悄的走，无论是上架还是下架都不会大张旗鼓的宣传，就是现阶段</span><span >4.025%产品的常态。</span></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 >下面回到正题——两款“新品”的测评详情。</span></section><section ><span ><br /></span></section><section ><span >先从常规年金，海保人寿的<span >「</span><strong >福佑金生</strong><span >」</span>开始。</span></section><section ><span ><br /></span></section><section ><span >这款不像教育金只能给孩子买，对年龄没啥要求，0-65岁都能买。</span></section><section ><span ><br /></span></section><section ><span >可选趸交、3年/5年交，保险期限也有10年、15年、20年可选。</span></section><section ><br /></section><section ><span >购买后，</span><span >第5年给一笔特别生存金，第6年后到期满前每年领一次生存金，到期后</span><span >领取一笔满期金结束。</span></section><section ><br /></section><section ><span >收</span><span >益详情如下：</span></section><section ><br /></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMeTOcFBYXdvJYnRicibfck47Eia7w4A3H1IibpibXBiaLRBB9A2WlP7fW9C5u9S0n8r7S6Kb5hiaIbBv6Ag%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMeTOcFBYXdvJYnRicibfck47Eia7w4A3H1IibpibXBiaLRBB9A2WlP7fW9C5u9S0n8r7S6Kb5hiaIbBv6Ag/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >为方便和其乐融融、锦绣源对比，福佑金生这里做了15年期和20年期两种演示。</span></section><section ><br /></section><section ><span >就结果来看，无疑福佑金生收益更高。</span></section><section ><br /></section><section ><span >本金30万，分期3年，福佑金生-15年期，满期本息和为45.9万，IRR<strong>3.78%</strong>！<br /></span></section><section ><span ><br /></span></section><section ><span >同期其乐融融本息和虽然更高，但给钱时间太晚了，实际收益反而不如福佑金生。<br /></span></section><section ><span ><br /></span></section><section ><span >20年期也一样，虽然锦绣源本息和更高，但前期给的太少，收益率也不如福佑金生。<br /></span></section><section ><span ><br /></span></section><section ><span >不太好理解的话，</span><span >举个例子，</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">有2个项目投入100万，A项目第3年返回80万，第10年返回40万；B项目第3年返回40万，第10年返回81万。</span></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">看起来都是第10年结束，总额B项目还更高，大家觉得哪个项目更好？</span><em><span ></span></em></section><section ><span ><br /></span></section><section ><span >钱都是要考虑时间价值的，10年前和10年后，即便存款都是1万元，差距也是有的。</span><span ><br /></span></section><section ><span ><br /></span></section><section ><span >因此，<strong>在常规的定期年金里，福佑金生比其乐融融和锦绣源都要略好一点</strong>（也仅仅是略好，优势有限）。</span></section><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">三、</span></section><section ><br /></section><section ><span >接着来聊聊另一款教育金，即恒大人寿的<span >「</span><strong >金状元</strong><span >」。</span><br /></span></section><section ><br /></section><p ><span >教育金也是年金险的一种，特点是孩子专属，没孩子买不了。</span></p><p ><br /></p><p ><span >金状元就仅支持<strong>0-10岁</strong>孩子作为被保人，保至孩子<strong>30岁</strong>为止，<span >可选趸交或3/5/10年缴费</span>。</span></p><p ><span ><br /></span></p><p ><span >购买后15-17岁提供三年高中教育金，18-21岁提供四年大学教育金，</span></p><p ><span ><br /></span></p><p ><span >25岁提供一笔创业金，30岁再拿一笔满期金。<br /></span><span ><br /></span></p><p ><span >收</span><span >益详情如下：</span></p><p ><br /></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMeTOcFBYXdvJYnRicibfck47WysplC5M3xtLEmd9S9Ce1qqIjupb6gX9Q9mr9loGBTwpEytczxKBcw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMeTOcFBYXdvJYnRicibfck47WysplC5M3xtLEmd9S9Ce1qqIjupb6gX9Q9mr9loGBTwpEytczxKBcw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >收益上，金状元满期IRR可达3.95%，</span></section><section ><span ><br /></span></section><section ><span >看起来最高，实际和i宝贝、锦绣前程相比差距不大。</span></section><section ><span ><br /></span></section><section ><strong><span >个人认为从这三款中选择的话，收益是次要，重点是预期使用时间。</span></strong></section><section ><span ><br /></span></section><section ><span >原因是<span >这仨保险期限都不一样，i宝贝保至孩子21岁，锦绣前程是25岁，金状元则是30岁。</span><br /></span></section><section ><span ><br /></span></section><section ><span >例如孩子10岁买，i宝贝10年左右就能拿完钱，金状元要20年才行。</span></section><section ><span ><br /></span></section><section ><span >考虑到实际收益率接近，就不用太过于纠结收益了。</span></section><section ><span ><br /></span></section><section ><strong><span >想尽快拿钱的选i宝贝，想长期放放的选金状元，二者都不行的选锦绣前程。</span></strong><span ><br /></span></section><section ><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">四、</span></section><section ><br /></section><section ><span >看下来，当前6款4.025%产品其实可以说不分上下。</span></section><section ><span ><br /></span></section><section ><span >收益都能突破主流3.5%的极限，高的都能接近<strong>4%</strong>。</span></section><section ><span ><br /></span></section><section ><span >这点相较市面2019年后的3.5%定价年金险，算是降维打击了。</span></section><section ><span ><br /></span></section><section ><strong><span >只要这几款还能买，市面新出的教育金、定期年金完全可以不用考虑了。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >收益都不在一个层面。<br /></span></section><section ><span ><br /></span></section><section ><span >唯一的对手是增额终身寿。</span></section><section ><span ><br /></span></section><section ><span >这些4.025%产品</span><span >优势在于比同期增额寿还要高的收益；</span></section><section ><span ><br /></span></section><section ><span >缺点是被动领钱，不够灵活（例如领取期现金价值很低或直接不支持减保）。</span></section><section ><span ><br /></span></section><section ><span >也无法长期持有。</span></section><section ><span ><br /></span></section><section ><span >建议大家弄清利弊后谨慎选择。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">对产品有疑问，</span></strong><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=Mzg4NDY2ODE0Mw==&mid=2247496275&idx=1&sn=1ff84378038e029d5d22401b8b3becf0&chksm=cfb611d3f8c198c55b2e7a7cbb457dd5223fccf8437f0edeeeac551531ca7caa3f7145b87697&scene=21#wechat_redirect" textvalue="4.025%年金险，这些还能买" linktype="text" imgurl="" imgdata="null" tab="innerlink">4.025%年金险，这些还能买</a><br /></span></section><section ><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><br /></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 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>
