A PHP Error was encountered

Severity: Warning

Message: Declaration of Administrator::insert() should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: system/Administrator.php

Line Number: 259

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/BackPlatform.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Administrator::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: system/Administrator.php

Line Number: 281

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/BackPlatform.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Menu::insert() should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: system/Menu.php

Line Number: 82

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/BackPlatform.php
Line: 9
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Menu::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: system/Menu.php

Line Number: 95

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/BackPlatform.php
Line: 9
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of MenuCategory::insert() should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: system/MenuCategory.php

Line Number: 58

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/Menu.php
Line: 29
Function: model

File: /home2/beta/public_html/lupopi/application/models/system/BackPlatform.php
Line: 9
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of MenuCategory::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: system/MenuCategory.php

Line Number: 68

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/Menu.php
Line: 29
Function: model

File: /home2/beta/public_html/lupopi/application/models/system/BackPlatform.php
Line: 9
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Logo::upload_image($sub_idx) should be compatible with MY_Model::upload_image($idx, $temp_key = NULL)

Filename: system/Logo.php

Line Number: 100

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/BackPlatform.php
Line: 12
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Logo::delete_image($sub_idx = NULL) should be compatible with MY_Model::delete_image($idx, $temp_key = NULL)

Filename: system/Logo.php

Line Number: 119

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/BackPlatform.php
Line: 12
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of SEO::insert($property, $property_idx, $data) should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: system/SEO.php

Line Number: 129

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of SEO::update($property, $property_idx, $data) should be compatible with MY_Model::update($idx, $data)

Filename: system/SEO.php

Line Number: 151

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of SiteInfo::get() should be compatible with MY_Model::get($idx)

Filename: system/SiteInfo.php

Line Number: 24

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of SiteInfo::update() should be compatible with MY_Model::update($idx, $data)

Filename: system/SiteInfo.php

Line Number: 37

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Google::update() should be compatible with MY_Model::update($idx, $data)

Filename: system/Google.php

Line Number: 34

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 7
Function: __construct

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Article::insert() should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/Article.php

Line Number: 257

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Article::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Article.php

Line Number: 285

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Article::upload_image($idx, $sub_idx) should be compatible with MY_Model::upload_image($idx, $temp_key = NULL)

Filename: customize/Article.php

Line Number: 307

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Article_category::insert() should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/Article_category.php

Line Number: 49

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 31
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Article_category::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Article_category.php

Line Number: 61

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 31
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Article_tag::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Article_tag.php

Line Number: 71

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 32
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of A2t::insert($article_idx, $tag_idx) should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/A2t.php

Line Number: 134

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/Article_tag.php
Line: 20
Function: model

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 32
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of A2p::insert($article_idx, $product_idx) should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/A2p.php

Line Number: 134

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 33
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Product::insert($temp_key) should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/Product.php

Line Number: 288

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/A2p.php
Line: 19
Function: model

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 33
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Product::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Product.php

Line Number: 305

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/A2p.php
Line: 19
Function: model

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 33
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Product_category::insert() should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/Product_category.php

Line Number: 189

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/Product.php
Line: 39
Function: model

File: /home2/beta/public_html/lupopi/application/models/customize/A2p.php
Line: 19
Function: model

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 33
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Product_category::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Product_category.php

Line Number: 202

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/customize/Product.php
Line: 39
Function: model

File: /home2/beta/public_html/lupopi/application/models/customize/A2p.php
Line: 19
Function: model

File: /home2/beta/public_html/lupopi/application/models/customize/Article.php
Line: 33
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 8
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of A2c::insert($article_idx, $category_idx) should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/A2c.php

Line Number: 132

Backtrace:

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 14
Function: model

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Tracking_code::insert($temp_key) should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/Tracking_code.php

Line Number: 35

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 9
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Tracking_code::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Tracking_code.php

Line Number: 47

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 9
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of About::insert() should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/About.php

Line Number: 25

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 10
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of About::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/About.php

Line Number: 36

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 10
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Service::insert() should be compatible with MY_Model::insert($data, $temp_key = NULL)

Filename: customize/Service.php

Line Number: 25

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 11
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Service::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Service.php

Line Number: 38

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 11
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Front_menu::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Front_menu.php

Line Number: 102

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 12
Function: model

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

路破皮的理財課程 第0章 儲蓄/儲蓄型壽險

A PHP Error was encountered

Severity: Warning

Message: Declaration of User::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/User.php

Line Number: 89

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/user_helper.php
Line: 23
Function: model

File: /home2/beta/public_html/lupopi/application/views/front/common/menu_mobile.php
Line: 17
Function: is_user_login

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 66
Function: view

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Cart_setting::get() should be compatible with MY_Model::get($idx)

Filename: system/Cart_setting.php

Line Number: 18

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/Cart.php
Line: 11
Function: model

File: /home2/beta/public_html/lupopi/application/helpers/cart_helper.php
Line: 9
Function: model

File: /home2/beta/public_html/lupopi/application/views/front/common/menu_mobile.php
Line: 23
Function: get_cart_quantity

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 66
Function: view

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Cart_setting::update() should be compatible with MY_Model::update($idx, $data)

Filename: system/Cart_setting.php

Line Number: 31

Backtrace:

File: /home2/beta/public_html/lupopi/application/models/system/Cart.php
Line: 11
Function: model

File: /home2/beta/public_html/lupopi/application/helpers/cart_helper.php
Line: 9
Function: model

File: /home2/beta/public_html/lupopi/application/views/front/common/menu_mobile.php
Line: 23
Function: get_cart_quantity

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 66
Function: view

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 207
Function: get_header_footer

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

0

A PHP Error was encountered

Severity: Warning

Message: Declaration of Page_banner::update($idx) should be compatible with MY_Model::update($idx, $data)

Filename: customize/Page_banner.php

Line Number: 98

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 153
Function: model

File: /home2/beta/public_html/lupopi/application/views/front/blog/main.php
Line: 1
Function: get_page_banner

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 214
Function: view

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: Declaration of Page_banner::upload_image($idx, $sub_idx) should be compatible with MY_Model::upload_image($idx, $temp_key = NULL)

Filename: customize/Page_banner.php

Line Number: 110

Backtrace:

File: /home2/beta/public_html/lupopi/application/helpers/header_helper.php
Line: 153
Function: model

File: /home2/beta/public_html/lupopi/application/views/front/blog/main.php
Line: 1
Function: get_page_banner

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 214
Function: view

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

A PHP Error was encountered

Severity: Notice

Message: Trying to access array offset on value of type bool

Filename: blog/detail.php

Line Number: 19

Backtrace:

File: /home2/beta/public_html/lupopi/application/views/front/blog/detail.php
Line: 19
Function: _error_handler

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 213
Function: view

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

" alt="

A PHP Error was encountered

Severity: Notice

Message: Trying to access array offset on value of type bool

Filename: blog/detail.php

Line Number: 19

Backtrace:

File: /home2/beta/public_html/lupopi/application/views/front/blog/detail.php
Line: 19
Function: _error_handler

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 213
Function: view

File: /home2/beta/public_html/lupopi/application/controllers/Blog.php
Line: 224
Function: article

File: /home2/beta/public_html/lupopi/index.php
Line: 317
Function: require_once

" class="img-fluid">

路破皮的理財課程 第0章 儲蓄/儲蓄型壽險

投資理財
先說在前面

我對保險的所有商品並不是都很熟

但是 壽險/儲蓄險 是在某種限度內是可以當做儲蓄工具的

請仔細評估自身的情形








保險本身是一種分散風險的工具

只要繳一點點錢 在發生重大傷害的時候

由大家一起出的錢 來救濟少數受傷害的人

這是保險的本意



近年來保險延伸很多投資商品

我自己是覺得 保險就是保險 拿來當投資商品

不但失去原本保險的本意 投資效率也打折扣





最近很流行一種投資商品 叫做儲蓄險

我也有朋友在做 事實上我也才剛買

我覺得某種程度上 可以當做是存錢的工具

所以這裡我並不把它當保險來看



壽險簡單的說

就是跟保險公司簽訂合約

每年繳固定的保費

如果出事 保險公司會賠你一定的額度

額度通常比繳納的費用多很多

(廢話 都出事了 還賠一點點 那誰要買)



如果沒出事 期滿了

可以選擇領回 保險公司會貼你利息

也可以選擇不領回 一直放

保險公司每年也會計算利息給你

直到你想領回為止



保險公司通常會標榜比定存高的利率

讓你覺得比定存好 但是其實也有缺點

這邊就一一列出優缺點來比較



優點

1. 利率稍高

比定存高一點, 而且有的壽險公司標榜複利計算

聽起來好像不錯



2. 出事有保障

出什麼事 賠多少錢 就看合約

一定會賠 賠多賠少 姑且就當做是優點

(當然 沒人希望自己出事)



3. 保險利息收入免稅

其實這也不是什麼很突出的優點

因為我們的前提是 我們沒什麼錢

就算買了保險 也買不多

所以抵稅的部份 可能也沒什麼幫助

很多保險業務員會吹噓這塊

請記住這是針對有錢人才有作用

對沒錢的人不具任何效果







缺點

1. 月繳比較吃虧

保費有年繳月繳 (聽說也有季繳)

但是保險公司不是傻瓜

如果可以的話 他會希望你一次繳清  何必分什麼年繳月繳

一次拿出一大筆錢本來就不是很容易的事情

何況我們的前提是 我們本來就沒什麼錢

所以一樣的保費 月繳通常比年繳 要繳比較多的金額



如果要搞成年繳 那得忍住 每個月都不花掉那個費用

或是反過來想 每年要存到 年繳的保費





2. 解約會虧損到本金

再次申明 保險公司不是傻瓜

你繳的保險金 其實結構上有三個部分

a. 真正的本金

b. 公司酬庸

c. 業務員酬庸



假設你買了六年的壽險(算做總金額60萬好了)

其實你一簽約的時候

業務的酬庸就已經入袋了

這時馬上解約 你覺得保險公司會還你足60萬嘛

難道保險公司會跟業務追回獎金嘛

當然不可能

所以一解約 你拿回去的就是剩屑屑而已

而且越早解約 拿回的屑屑越少



等到約定的時間期滿

才拿的到所謂的利息錢



買之前一定要想清楚 六年的壽險 一買就是六年

萬一中間繳不出來 或是急須用錢 辛苦存的錢就是打折





老話一句

每種投資商品都有優缺點

端看如何應用