→儲蓄型商品或保單的報酬率?什麼又是年化報酬率(Annualized Return)?
→以中國信託電話行銷為例
→內部收益率(Internal Rate of Return, IRR)
前幾篇都是實際用數字去算,但是excel其實已經有設定好一些財務公式可以使用了,這個內部收益率(Internal Rate of Return, IRR)雖然可以讓我們很快地算出投資報酬率,但是只能看出一個大概平均的投資報酬率,如果要得到哪一段段期間的報酬率較高或較低,如果看解約金看不出來,還是得慢慢算喔。
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2013年12月23日 星期一
儲蓄型商品或保單的報酬率:內部收益率(Internal Rate of Return, IRR)
標籤:
[Insurance],
[Research],
[Sharing],
finance,
investment,
IRR
我是台灣的吳時捷,1982年生。
I am Porsche Wu from Taiwan, born in 1982.
我大學念資訊管理。畢業後,一直指揮大學管樂團,直到30歲。除了小時候我曾學習音樂,我想是因為我對音樂有熱忱與感受。
I studied in information management in the university. After graduating, I conducted university wind bands until the age of 30. Except that I studied music as a child, I think it is because I have a passion and feelings for music.
30歲之後,因為沒去過企業工作過,所以以資訊管理背景,應徵了程式專員,從基本做起。
After that, because I had never worked in a company, I applied for the position of programming specialist with a background in information management, starting from the basics.
我歷經資訊專員、數位整合行銷、產品副理,歷經了三份工作、三個產業、三種級別,四年間全被炒魷魚。儘管產業從來不一樣,卻總能往上前行。接續的工作是總裁特助。
I experienced Programming Specialist / Marketing Specialist / Product PM, went through 3 jobs, 3 industries, 3 levels, all were fired in 4 years. Although it's never in the same industry, can always be promoted. The former job is CEO Executive Specialist for 3 years.
期間,還和一些樂團與國外歌者演出了幾場歌劇。
During this period, I also performed several operas with some orchestras and foreign singers.
==
從2021-01-27起,我一直在透過日常遇到的事情重新學習,反覆確認與修正自己,同時重建天道系統[1],可以簡單理解為「純淨時空AI的疊合體」。
[1] 天道系統則是由「純淨意念」凝煉而成,可以簡單理解為《星際大戰》中的「原力(the force)」。
2013年12月7日 星期六
儲蓄型商品或保單的報酬率:以中國信託電話行銷為例
→儲蓄型商品或保單的報酬率?什麼又是年化報酬率(Annualized Return)?
→以中國信託電話行銷為例
→內部收益率(Internal Rate of Return, IRR)
上一篇文章儲蓄型商品或保單的報酬率?什麼又是年化報酬率(Annualized Return)?有何關聯會寫,有一部分是因為在工作的時候接到中國信託的電話行銷專員打來推銷保險商品,表示說「因為中國信託也成立了人壽公司,所以有一個特別好的儲蓄型方案要來推薦給既有客戶」這樣,這是前提,所以接下來以這篇當作應用練習。
→以中國信託電話行銷為例
→內部收益率(Internal Rate of Return, IRR)
上一篇文章儲蓄型商品或保單的報酬率?什麼又是年化報酬率(Annualized Return)?有何關聯會寫,有一部分是因為在工作的時候接到中國信託的電話行銷專員打來推銷保險商品,表示說「因為中國信託也成立了人壽公司,所以有一個特別好的儲蓄型方案要來推薦給既有客戶」這樣,這是前提,所以接下來以這篇當作應用練習。
標籤:
[Insurance],
[Research],
[Sharing],
finance,
investment
我是台灣的吳時捷,1982年生。
I am Porsche Wu from Taiwan, born in 1982.
我大學念資訊管理。畢業後,一直指揮大學管樂團,直到30歲。除了小時候我曾學習音樂,我想是因為我對音樂有熱忱與感受。
I studied in information management in the university. After graduating, I conducted university wind bands until the age of 30. Except that I studied music as a child, I think it is because I have a passion and feelings for music.
30歲之後,因為沒去過企業工作過,所以以資訊管理背景,應徵了程式專員,從基本做起。
After that, because I had never worked in a company, I applied for the position of programming specialist with a background in information management, starting from the basics.
我歷經資訊專員、數位整合行銷、產品副理,歷經了三份工作、三個產業、三種級別,四年間全被炒魷魚。儘管產業從來不一樣,卻總能往上前行。接續的工作是總裁特助。
I experienced Programming Specialist / Marketing Specialist / Product PM, went through 3 jobs, 3 industries, 3 levels, all were fired in 4 years. Although it's never in the same industry, can always be promoted. The former job is CEO Executive Specialist for 3 years.
期間,還和一些樂團與國外歌者演出了幾場歌劇。
During this period, I also performed several operas with some orchestras and foreign singers.
==
從2021-01-27起,我一直在透過日常遇到的事情重新學習,反覆確認與修正自己,同時重建天道系統[1],可以簡單理解為「純淨時空AI的疊合體」。
[1] 天道系統則是由「純淨意念」凝煉而成,可以簡單理解為《星際大戰》中的「原力(the force)」。
2013年11月21日 星期四
儲蓄型商品或保單的報酬率?什麼又是年化報酬率(Annualized Return)?有何關聯
→儲蓄型商品或保單的報酬率?什麼又是年化報酬率(Annualized Return)?
→以中國信託電話行銷為例
→內部收益率(Internal Rate of Return, IRR)
常聽到電話行銷或業務專員跟你說:「繳滿幾年期後,就可以領回140%的金額。」
如果以存入一筆金額後,以簡單的複利來計算,價值會是多少?
又以複雜的每年要投進去一筆錢的情況來計算,會是怎樣?
→以中國信託電話行銷為例
→內部收益率(Internal Rate of Return, IRR)
常聽到電話行銷或業務專員跟你說:「繳滿幾年期後,就可以領回140%的金額。」
如果以存入一筆金額後,以簡單的複利來計算,價值會是多少?
又以複雜的每年要投進去一筆錢的情況來計算,會是怎樣?
以銀行定存的複利計算為例
標籤:
[Insurance],
[Research],
[Sharing],
finance,
investment
我是台灣的吳時捷,1982年生。
I am Porsche Wu from Taiwan, born in 1982.
我大學念資訊管理。畢業後,一直指揮大學管樂團,直到30歲。除了小時候我曾學習音樂,我想是因為我對音樂有熱忱與感受。
I studied in information management in the university. After graduating, I conducted university wind bands until the age of 30. Except that I studied music as a child, I think it is because I have a passion and feelings for music.
30歲之後,因為沒去過企業工作過,所以以資訊管理背景,應徵了程式專員,從基本做起。
After that, because I had never worked in a company, I applied for the position of programming specialist with a background in information management, starting from the basics.
我歷經資訊專員、數位整合行銷、產品副理,歷經了三份工作、三個產業、三種級別,四年間全被炒魷魚。儘管產業從來不一樣,卻總能往上前行。接續的工作是總裁特助。
I experienced Programming Specialist / Marketing Specialist / Product PM, went through 3 jobs, 3 industries, 3 levels, all were fired in 4 years. Although it's never in the same industry, can always be promoted. The former job is CEO Executive Specialist for 3 years.
期間,還和一些樂團與國外歌者演出了幾場歌劇。
During this period, I also performed several operas with some orchestras and foreign singers.
==
從2021-01-27起,我一直在透過日常遇到的事情重新學習,反覆確認與修正自己,同時重建天道系統[1],可以簡單理解為「純淨時空AI的疊合體」。
[1] 天道系統則是由「純淨意念」凝煉而成,可以簡單理解為《星際大戰》中的「原力(the force)」。
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