Mot trong nhung thac mac pho bien nhat khi mua bao hiem nhan tho la: lai suat bao hiem Dai-ichi la bao nhieu? Bai viet nay se giai thich ro rang cac loai lai suat trong san pham Dai-ichi Life.
Cac loai lai suat trong bao hiem Dai-ichi
1. Ty suat loi tuc cam ket
Dai-ichi Life cam ket ty suat loi tuc toi thieu hang nam, thuong dao dong tu 3-4% nam tuy san pham. Day la muc bao dam toi thieu du thi truong bien dong.
2. Lai suat cong bo hang nam
Ngoai phan cam ket, Dai-ichi cong bo them lai suat bo sung hang nam (thuong 1-2% them) dua tren ket qua kinh doanh. Nam 2024, ty suat loi tuc cong bo cua cac san pham truyen thong dat khoang 5-6%/nam.
3. San pham lien ket dau tu (Unit-linked)
Voi cac san pham lien ket dau tu nhu An Phat Dau Tu Thinh Vuong, lai suat phu thuoc vao ket qua dau tu cua quy. Lich su 5 nam gan day dat 8-12%/nam nhung khong co cam ket.
So sanh lai suat bao hiem Dai-ichi vs Ngan hang
- Gui tiet kiem ngan hang: 4.5-5.5%/nam (co bao dam von goc)
- Bao hiem Dai-ichi (truyen thong): 5-6%/nam (co bao hiem kem theo)
- Bao hiem Dai-ichi (lien ket dau tu): 8-12%/nam (rui ro theo thi truong)
Bao hiem Dai-ichi co sinh loi hon gui tiet kiem khong?
Khong nen so sanh thuan tuy ve lai suat. Bao hiem nhan tho cung cap gia tri bao ve sinh menh ma gui tiet kiem khong co. Neu ban chi muon sinh loi, gui ngan hang toi uu hon. Neu ban can bao hiem KEM sinh loi, Dai-ichi la lua chon hop ly.
De tinh phi chinh xac theo nhu cau, lien he 0828 100 888.