[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2021121316084944002":3,"related-JP2021121316084944002":33},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"postTime":17,"viewTime":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"miniUrl":11,"miniScheme":11,"miniImage":11,"hasAdvertising":20,"createBy":21,"updateBy":21,"createTime":22,"visitCount":23,"isLiked":20,"realSearch":24,"isRead":20,"productId":25,"isCollected":20,"collectCount":26,"vipExclusive":20,"allowComment":7,"style":27,"canCopy":20,"likeCount":28,"duration":20,"playStyle":7,"seoKeywords":11,"articleModuleVoList":29,"extendContentList":30,"noteCount":10,"categoryList":31,"dailyKeywordList":32},10,3950,"1",1,"JP2021121316084944002","1041018",3,"","1招看清储蓄险的「真收益」","https:\u002F\u002Fimage.jane7.com\u002F0119ad43-2432-46e7-91b4-ac9f5871f2f7.png","https:\u002F\u002Fimage.jane7.com\u002Ffa28b98b-1e2a-42a3-8d3c-fcb4a89873be.png","聊聊储蓄险的真实收益怎么看","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">大家好，我是简保君。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">在上周三的直播中，大家的提问很踊跃，但受时间限制，有部分晚到的朋友，还是在后台留下了自己的困惑：\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cul class=\"list-paddingleft-2\" style=\"margin: 0px; padding: 0px 0px 0px 30px; outline: 0px; max-width: 100%; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n    \u003Cli>\u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">简保君，可以帮我看看XXX这个产品收益怎么样吗？\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fli>\n    \u003Cli>\u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">如何来挑高收益的增额寿？\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fli>\n    \u003Cli>\u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">官方写的\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「预定利率」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">就是到手的收益吗？\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fli>\n    \u003Cli>\u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">案例里的收益率是怎么算出来的？\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fli>\n    \u003Cli>\u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">……\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fli>\n   \u003C\u002Ful>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">今天来给错过的朋友补个课，储蓄险产品的真实收益到底怎么看。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"font-size: 20px;\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">「预定利率」\u003C\u002Fspan>是什么？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">观察仔细的朋友会发现，储蓄险的宣传页面会清清楚楚的写着预定利率3.5%，这是由监管所规定的：\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">储蓄险产品预定利率最高不超过3.5%。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">但是，不要想当然的以为，自己这份保单的真实收益就是3.5%。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">其实呢，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">预定利率≠实际收益率。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">来简单说说，预定利率是啥。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">预定利率是保险公司设计产品时，用来定价的利率，也就是定保费的。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">说白了就是，保险公司拿你的钱去做了投资增值，同时按照约定的收益分给你。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">很多人说保险合同里找不到3.5%这个数字，其实它藏在\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">现金价值表\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">中。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">现金价值表是会\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">白纸黑字地写在合同中的，是你账户中若干年后确定的钱，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">不是分红险或者万能险中的演示收益。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">通常20年以后（前期有缴费和费用的影响），\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">把每年的现金价值除以上一年的现金价值，就可以得到约1.035这个数值，也就是按3.5%增长。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果保险公司投资水平高，超过\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「预定利率」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">，除了答应给你的那部分，自己也能赚到更多的钱，达到双赢。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(73, 73, 73); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果投资水平达不到预定利率，\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">你也别担心，因为给你的收益是保证的。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; color: rgb(73, 73, 73); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">这时候保险公司只能动那些\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">浮动收益\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">的产品，像\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">万能险、分红险\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">之类的，可能只能拿到很少的收益或者没有收益。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">因为保险公司前期一定会有费用发生，所以对增额寿来说，收益率可以很接近，但是低于预定利率。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">顺便说一句，千万别被骗了。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cbr>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">有两个利率经常被代理人或中介机构大肆宣传，让你误认为它们就是是保单收益率（因为一般会超过3.5%）--\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">「保额增长率」和\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">「结算利率」。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">要如何从市场上诸多储蓄险产品中，挑出收益高的那一个呢？\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">这就要看IRR（实际收益率）了。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-size: 20px;\">\u003Cstrong>02\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">实际收益率（IRR）要怎么算？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">IRR（内部回报率）：是一种投资的评估方法。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">我们在做投资时，\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">不管这款产品包装的有多好，最重要的还是关注产品的IRR值。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cp style=\"text-align:center; vertical-align: inherit; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F10bf30de-6013-4d73-bb4e-e8e0182659f6.jpg\" alt=\"图片\">\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">比如一款增额寿一次性缴费10000元，10年后可领14000元。把这些资金明细输入电脑，然后输入公式IRR，就可以得到\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">实际收益率3.42%\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">注意，IRR算出来的是复利，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">折算成单利，就是4%\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">所以，储蓄险产品的实际收益，除了跟保费有关，跟我们如何缴费、何时领钱、何时身故都有关，是需要计算得到的。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">用一款热销产品给大家举例，能很明显的看出来，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">不同缴费期、不同保单年度，实际收益率都是不一样的。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:center; vertical-align: inherit; margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fabfb4034-640a-4e6c-a072-81fb03abfd05.jpg\" alt=\"图片\">\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">拿增额寿来说，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">目前优秀产品的IRR长期都能达到3.48%、3.49%左右，差异并不大。\u003Cbr>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cbr>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果一定想选出收益最高的产品，那就要结合你的年龄和缴费年限帮你一对一地去算了。\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cbr>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">目前市场上还没有一款产品，可以在\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">任何投保年龄，任何缴费年限及任何保单年度\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">都排名第一。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\u003C\u002Fsection>\n   \u003Csection>\u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"letter-spacing: 1px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果是领取期限比较长的\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">养老类年金，产品的实际收益和被保险人寿命的长短有很大的关系。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">比如，A和B投保同一款能终身领取型养老年金，都是每年交5万，连续交10年，60岁开始每人每年领取69,950元。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">假设A领取到80岁，那么他一共领了1,468,950元；而B领取到100岁，那么他一共领了2,867,950元。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">两人虽然投入的保费一样，但由于寿命的不同，领到的金额差了一倍，这种情况下，他们的收益率当然是不一样的。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">本着授人以鱼不如授人以渔的想法， 对储蓄险产品感兴趣或想再多了解了解的朋友，可以来参加下我们的\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">「4天储蓄实操营」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">课程；\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:left; vertical-align: inherit; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(73, 73, 73); font-size: 16px; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cspan style=\"font-size: 16px; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">每天10分钟，不仅能教大家如何计算产品的真实收益，还会教大家\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">买什么，怎么买，买多少\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">这些实操的问题，以及\u003C\u002Fspan>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">婚姻财产隔离、传承安排\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; text-align: left; letter-spacing: 1px; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">等其他关于储蓄险的疑问，也欢迎抛过来大家一起看看~\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;margin-left: 16px; margin-right: 16px; line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Csection>\n    \u003Cp style=\"text-align:center;vertical-align:inherit;margin-left: 16px; 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color: rgb(0, 0, 0); font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">免费密码（报名后回复班班\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; color: rgb(0, 0, 0); font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">“报名”\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-align: left; color: rgb(0, 0, 0); font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n    \u003Cp style=\"text-align:center;vertical-align:inherit; margin-left: 16px; margin-right: 16px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F0614ec80-d6b6-47bf-bf6b-34335c07e161.jpg\" title=\"微信图片_20211213160747.jpg\" alt=\"微信图片_20211213160747.jpg\">\u003C\u002Fp>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2021-12-14 06:25:00","2021-12-13 06:25:00",100,0,"zhanglizi@jane7.com","2021-12-13 16:08:49",252,false,10933,18,"1038002",4,[],[],[],[],[]]