[討論] 31歲女 該選定存還是外幣定存還是儲蓄險?
各位版大好
我是個不太會理財的小資女,只能靠保守理財方式存錢,
目前手上有一百萬台幣定存到期(利率1.45%),目前有三種選擇,
1.繼續存
2.加碼存人民幣定存(存一年2.75%)(已知有匯率風險)
3.儲蓄險
一個當保險的阿姨推薦我買新光添添旺,
他說一年繳23萬9繳6年,
6年滿拿回1528085元,(6年間我可以絕對不拿回來,所以中途贖回的風險可略)
期滿後每年2.3複利增值,
我數學很差不會算複利,
所以搞不清楚這三種哪種對我比較好,
拜託各位幫我選一下哪個好,
先謝謝各位了
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