The five-year principal and interest you paid in the previous five years (ten thousand yuan) is
The first year (five years) is1x (1+0.055x5) =1.275.
Second year (one year and three years)1x (1+0.035) x (1+0.05x3) =1.19025.
The third year (three years) is1x (1+0.05x3) =1.15.
Fourth year (biennium)1x (1+0.044x2) =1.088.
The fifth year (one year)1x1.035 =1.035
Total: 57,385 yuan, kept for five years. When you withdraw 10000 yuan with compound interest every year, that is, after 15 years, the amount is:
5.7385x1.275x1.275x1.275 =1.89402755 yuan.
The second five-year payment period is the same. In the tenth year, the cash amount is: 57385 yuan, and then deposited in five years. When you withdraw 10000 yuan with compound interest every year, that is, after 10 years, the amount is:
5.7385x1.275x1.275 = 93,284,906 yuan.
After 20 years, the total principal and interest is: 21.438+0,000 yuan.
After 20 years, 40,000 yuan will be collected and deposited at the age of 25 (assuming age, after 25 years of actual insurance) 1 year for three years. Total principal and interest is (21.267661-4) x (1+0.035) x (65438+).
After 25 years, 1 00000 yuan was withdrawn, and the bank account balance was1049084 yuan. After 35 years of deposit, the total principal and interest are:
10.49929084 * 1.275 * 1.275 * 1.275 * 1.275 * 1.275 * 65438+
In other words, after 25 years, you gave the insurance company 6.5438+0.05 million, and after 60 years, you gave the insurance company 308,000.
1, the current interest rate is under the condition of high inflation and low interest rate, and such spreads are rare from the national and historical perspectives;
2. Interest is at risk of upward and downward adjustment, but in terms of low interest rate, the existing bank interest rate will not be much lower than the current bank interest rate;
3. If inflation continues to increase, there will be 654.38+10,000 people in 20 years and 267,000 people after the age of 60, which is really unknown.
4. This answer is for financial reference only, and no specific investment suggestions are made.
So it's up to you whether you can buy this insurance financing.