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猜想1:保险费用会下降?据内部消息透露,保险预定利率将从持续了14年的2.5%上涨至3.5%,未来将逐渐放开,让市场化充分竞争。对于消费者来说,意味着交同样的保费,获得的年复利收益更多,等于保费更加低廉了。预定利率的放开对于消费者来说是一个极大的利好,会给消费者带来切身的实惠。以40岁投保养老险为例,每年缴费1万,缴纳20年后,被保险人从60岁开始领取。扣除管理费用后,保险公司将每年按照复利滚动计入账户,如果预定利率更高,那么每年被保险人领取的收益更高。理论上
Conjecture 1: Insurance costs will decline? According to internal sources, the insurance rate will be scheduled from 2.5% for 14 years to 3.5%, the future will gradually be liberalized, so that market-oriented full competition. For consumers, it means paying the same premiums and earning more annual compound interest, which is equal to cheaper premiums. Scheduled interest rate liberalization is a great benefit for consumers, will give consumers immediate personal benefits. To 40 years old insurance coverage for example, the annual payment of 10,000, pay 20 years later, the insured person from the age of 60 to receive. After deducting the management fee, the insurer will count on the account of compound interest rolling every year. If the scheduled interest rate is higher, the income received by the insured person will be higher every year. In theory