郵局『常春增額』還本保險(6年期繳費) PK 富邦人壽『 鑫鑽年年』還本終身保險，該如何選擇?
一個是最熱賣的郵局非利變儲蓄險保單，另一個是壽險公司推出非利變儲蓄險保單代表。報酬率及年配息率來看，到底誰強誰弱呢？
生存還本金配息率分析 (保額10萬元)➪XMA獲勝
年配息率＝當年度給付之生存還本金除以累積所繳保費
| 保證年配息率 |
| 年度末 |
鑫鑽年年 |
常春增額 |
| 1 |
1.52% |
0.00% |
| 2 |
1.52% |
6.07% |
| 3 |
1.52% |
0.00% |
| 4 |
1.52% |
3.03% |
| 5 |
1.52% |
0.00% |
| 6 |
1.52% |
2.02% |
| 7 |
2.09% |
2.02% |
| 8 |
2.09% |
2.02% |
| 9 |
2.09% |
2.02% |
| 10 |
2.09% |
2.02% |
| 11 |
2.09% |
2.02% |
| 12 |
2.09% |
2.02% |
| 13 |
2.09% |
2.02% |
| 14 |
2.09% |
2.02% |
| 15 |
2.09% |
2.02% |
| 16 |
2.09% |
2.02% |
| 17 |
2.09% |
2.02% |
| 18 |
2.09% |
2.02% |
| 19 |
2.09% |
2.02% |
| 20 |
2.09% |
2.02% |
➤前６年的配息率，『常春增額』略勝『 鑫鑽年年』
➤第７年末以後的配息率『 鑫鑽年年』皆勝『常春增額』
IRR內部報酬分析 (保額10萬元)➪XMA 獲勝
IRR（內部報酬率）＝實質意義等於年化報酬率，主要是用於計算投資商品的真實報酬率，如果把各年度末台幣定存的本利和代入ＩＲＲ的計算公式，ＩＲＲ每年末的得到的數字等於定存年利率。如果還是不明白的朋友，也可以把IRR視為保單的真實利率，相當於銀行的定存利率。
| IRR(內部報酬率) |
| 年度末 |
鑫鑽年年 |
常春增額 |
| 1 |
-41.09% |
-13.91% |
| 2 |
-22.60% |
-8.87% |
| 3 |
-15.11% |
-5.65% |
| 4 |
-10.99% |
-3.74% |
| 5 |
-8.38% |
-2.39% |
| 6 |
1.23% |
-1.45% |
| 7 |
1.64% |
-0.40% |
| 8 |
1.72% |
0.27% |
| 9 |
1.77% |
0.72% |
| 10 |
1.81% |
1.05% |
| 11 |
1.84% |
1.29% |
| 12 |
1.87% |
1.48% |
| 13 |
1.89% |
1.55% |
| 14 |
1.91% |
1.60% |
| 15 |
1.92% |
1.65% |
| 16 |
1.93% |
1.68% |
| 17 |
1.94% |
1.72% |
| 18 |
1.95% |
1.75% |
| 19 |
1.96% |
1.77% |
| 20 |
1.96% |
1.79% |
| 21 |
1.97% |
1.81% |
| 22 |
1.98% |
1.83% |
| 23 |
1.98% |
1.84% |
| 24 |
1.99% |
1.86% |
| 25 |
1.99% |
1.87% |
| 26 |
1.99% |
1.88% |
| 27 |
2.00% |
1.89% |
| 28 |
2.00% |
1.90% |
| 29 |
2.00% |
1.91% |
| 30 |
2.01% |
1.92% |
➤前５年的ＩＲＲ，『常春增額』皆勝『 鑫鑽年年』，因為解約費用率較低
➤第６年末以後的ＩＲＲ『 鑫鑽年年』皆勝『常春增額』
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保本率＝ 該年度末解約金除以累積所繳保費，如某年度末的保本率為100%，則代表保戶在該年度末時，可拿回所繳保費的100%，即損益平衡
| 保本率分析 |
| 年度末 |
鑫鑽年年 |
常春增額 |
| 1 |
58.91% |
86.09% |
| 2 |
68.83% |
87.08% |
| 3 |
73.01% |
89.35% |
| 4 |
75.77% |
91.21% |
| 5 |
77.98% |
93.28% |
| 6 |
104.27% |
95.21% |
| 7 |
107.38% |
98.31% |
| 8 |
109.48% |
101.41% |
| 9 |
111.58% |
104.52% |
| 10 |
113.68% |
107.62% |
| 11 |
115.78% |
110.73% |
| 12 |
117.88% |
113.84% |
| 13 |
119.98% |
115.98% |
| 14 |
122.08% |
118.11% |
| 15 |
124.18% |
120.25% |
| 16 |
126.28% |
122.40% |
| 17 |
128.38% |
124.54% |
| 18 |
130.48% |
126.68% |
| 19 |
132.58% |
128.83% |
| 20 |
134.68% |
130.98% |
| 21 |
136.79% |
133.12% |
| 22 |
138.89% |
135.27% |
| 23 |
140.99% |
137.42% |
| 24 |
143.09% |
139.57% |
| 25 |
145.19% |
141.73% |
| 26 |
147.29% |
143.88% |
| 27 |
149.39% |
146.04% |
| 28 |
151.50% |
148.19% |
| 29 |
153.60% |
150.35% |
| 30 |
155.70% |
152.51% |
➤前５年的保本率或總領回金額，『常春增額』皆勝『 鑫鑽年年』，因為解約費用率較低
➤第６年末以後的保本率或總領回金額，『 鑫鑽年年』皆勝『常春增額』
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