儲蓄人壽保險----每年投資回報率

554.31/month= 6651.72/year
Assume this is the premium paid in the beginning of the year:
At the end of the first year, the amount will be 6856.12 if the annual rate of return is 3.07%.
Keep doing the same calculation in Excel, at the end of the 43rd year, the amount will be 596741.
You can obtain the annual rate of return by trial and error by changing its value many times. i.e. starting from 3%, and then 3.1%, and then 3.05% and so on.
Of course, it's a stupid method. An intrinsic function called "goal seeking", under "tools" pull down menu, is available in Excel. It will do the stupid job for us. If you want the Excel file, I can send it to you.
A financial calculator can also do the same. If you choose "payment at the end of the period", you may obtain a value other than but very close to 3.07%.

這是一個複息既計算，用財務計算機可以計出答案。
不過計出來既回報率為3.1274%

2008-08-15 10:05:02 補充：
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ask yours agents la don't have to count