A fan friend asked in a private message a few days ago:
A new type of deposit on Alipay with an annualized return of 521%, you can start receiving money in the 5th year, is it reliable?
Heart-warming rush, is there any?
The income is so high, and I start receiving money in the 5th year.
Dorado immediately found this product on Alipay according to the information given by fans and friends, and picked it up from the inside out.
Okay, without further ado, Dora's secret will be revealed today.
Alipay, a new type of deposit, is the income really 521%, is there any greasy behind it?
The new type of deposit on Alipay looks like this:
It is actually a term annuity insurance that can be paid in a lump sum and over 5 years, and the 5-year payment can be made on a monthly or annual basis, and there is no limit to the amount.
In the 5th year, he began to receive money, and he received it for a total of 6 years.
For example, a 30-year-old lady saves 50,000 yuan a year for 5 consecutive years, with a total principal of 250,000.
Starting from the 5th year, you can receive 13,025 per year, a total of 5 years, and the last 1 year will receive a one-time maturity payment of 239,020, with a total of 304,145, and a total of 54,145 interest!
Calculated down, compound interest IRR is 27%, which is converted into an adultized simple interest of 303%。
521%, not quite the same.
In fact, the annualized return is 521% is a gimmick.
It refers to 5. per year of the premium paid21%, not really an annualized return!
Of course, let's say that this income is not bad, if it can be held for 10 consecutive years, it is more cost-effective than treasury bonds and bank fixed deposits for 5 years.
However, if compared with Hongkang Jinxi's life, the latter is a real new type of money saving artifact.
The time of receiving money in Hongkang Jinxi's life is the same as that on Alipay, receiving it in the 5th year, and under the same payment conditions, the annualized income directly exceeds 317%, and how long can you live to receive it, and eat interest for a lifetime!
Let's see how it really benefits.
The same 30-year-old lady saves 50,000 yuan a year, saves for 5 years, and receives money in the 5th year.
It can be seen that Golden Jubilee began to receive money in the 5th year of his life, with an interest of 7920 yuan every year, and in the 10th year, if he surrenders and withdraws the policy, the cumulative amount received plus the cash value will be totaled 308945 in principal and interest, and the interest will be 58945, which is 4800 more than the annuity on Alipay.
Calculated down, compound interest IRR is 288%, which is 320%, whether it is compound interest income or annualized simple interest, it is also higher than the annuity on Alipay!
But do you think that's the end of it?
Let's take a look at the 250,000 principal we deposited, which has not touched a cent (the cash value has exceeded 250,000 since the 10th year), and it has been increasing in the account.
This is actually equivalent to us opening a lifetime account, after depositing the money, we don't have to care about anything, and we have 7,920 yuan of interest every year!
That is to say, it can be the principal all the time, and receive 3 for life17% interest!
When you need to use the principal, you can withdraw it from the account at any time
If you don't need it, 3The annualized interest of 17% can be eaten for a lifetime, and there is no need to worry about the reduction of interest rates, which is not much more fragrant than treasury bonds and large-amount certificates of deposit!
The same savings plan, one is 303% annualized return for 6 years, one is 317% interest for a lifetime, no matter how you calculate it, it is more cost-effective for a lifetime of Golden Jubilee!
In addition, there are more choices of payment period and collection time for Golden Jubilee Life, with 4 payment periods and 5 payment methods.
Dorado also measured the income of different age groups and different payment periods, and found that in either case, its annualized income is more than 3%, and some can even exceed 4%!
This kind of regular annuity on Alipay is not high at maturity, and it can only be taken out at maturity and re-found a way to save money, which is the same as treasury bonds and bank fixed deposits, facing the same problem of interest rate reduction.