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금융상품 분석
상품비교분석

1. 상품의 구조                                           HY-300   3



                   옵션 1        vs 즉시연금활용 – 경험생명표 혜택 없음


            +
   10년            연금전환

  정기적금
                           옵션 2     수수료: 2%
                          추가납입




                         혜택1     (월납 100만원 기준)
                                 재해사망보장금: 1200만원+적립액
                         보 장
                                 일반사망보장금: 600만원+적립액

                 혜택2
                10년비과세
                          혜택3
                         최저이율      10년이내 3%,10년이후 2% 최저보증
                          보장
상품비교분석

2. 수익률 비교 vs 적금                        HY-300   3




적금 5% (세후) 29,118,300


                  신한 5.1% 28,258,015
상품비교분석

3. 납입기간 및 보험기간   HY-300   3
상품비교분석

4. 채권형수익률               HY-300   3




            운영성과

            펀드생성일: 2004.09.22
            순자산액: 92,715백만원
상품비교분석

4. 채권형수익률 안정성    HY-300   3




                투자가능채권
상품비교분석

5. 추가납입한도                                          HY-300   3




                                              상품요약서 사업비
 추가납입 한도비교

                       (월 100만원,50세기준,10년납)


  총납입보험료 1.2억*2배 = 2.4억

           vs

  54년(104세-50세) * 12 월* 2배 *1,000,000
  = 12.96억

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