主题：昨天亲戚向我推销保险，我顺手了道简单的数学题，结果很有趣 -- 米宝

昨天有表弟突然发了我一条微信：“哥，我觉得这个给小宝买很合适，你看一下。”

就下面这玩意：

太平信守一生

我本身对保险一直没啥兴趣，难得有亲戚主动向我推荐，就打开看了看顺手计算了下，虽说我对保险一直没有好感，不过这计算结果还是挺惊人的。

假设孩子出生时我拿出25万，准备给孩子投保VS投资货币基金（货币基金满大街都是，现在4%左右年收益，风险程度和活期存款差不多），那么对比情况如下：

孩子10岁，保险净收益-18.8万，货币基金净收益12.2万，比保险多31万。

孩子20岁，保险净收益-12.8万，货币基金净收益30.4万，比保险多43万。

孩子30岁，保险净收益-6.8万，货币基金净收益57.3万，比保险多64万。

孩子40岁，保险净收益-0.8万（40年过去了，本金还没拿回来呢），货币基金净收益97万，比保险多97.8万。

孩子50岁，保险净收益5.1万（谢天谢地半个世纪过去了，我的投资终于有回报了，有5万多块钱呢），货币基金净收益155.9万，差距150万，是保险的30倍。

孩子60岁，保险净收益11.1万，货币基金净收益243.1万，差距232万，是保险的22倍。

孩子70岁，保险净收益20.1万，货币基金净收益372.2万，差距352.1万，是保险的18倍。

孩子80岁，保险净收益32.1万，货币基金净收益563.2万，差距531.1万，也是18倍。

保险计划到88岁结束，也就是假设你活不过88岁，货币基金则没有这个限制，我就计算到90岁。

孩子90岁，保险净收益66.0万，货币基金净收益846.0万，差距780万，是保险的12倍。

结论是，一保险真够黑的，二这么黑还能生存下来，说明世界上还是傻子太多。

Excel表对比如下：

年龄 缴费 收益 年净收益 总净收益 本金+收益 货币基金年净收益 货币基金总净收益 对比

1 25,544 12,772 -12,772 -12,772 255,440 10,218 10,218 22,990

2 25,544 6,000 -19,544 -32,316 265,658 10,626 20,844 53,160

3 25,544 6,000 -19,544 -51,860 276,284 11,051 31,895 83,755

4 25,544 6,000 -19,544 -71,404 287,335 11,493 43,389 114,793

5 25,544 6,000 -19,544 -90,948 298,829 11,953 55,342 146,290

6 25,544 6,000 -19,544 -110,492 310,782 12,431 67,773 178,265

7 25,544 6,000 -19,544 -130,036 323,213 12,929 80,702 210,738

8 25,544 6,000 -19,544 -149,580 336,142 13,446 94,147 243,727

9 25,544 6,000 -19,544 -169,124 349,587 13,983 108,131 277,255

10 25,544 6,000 -19,544 -188,668 363,571 14,543 122,674 311,342

11 6,000 6,000 -182,668 378,114 15,125 137,798 320,466

12 6,000 6,000 -176,668 393,238 15,730 153,528 330,196

13 6,000 6,000 -170,668 408,968 16,359 169,886 340,554

14 6,000 6,000 -164,668 425,326 17,013 186,899 351,567

15 6,000 6,000 -158,668 442,339 17,694 204,593 363,261

16 6,000 6,000 -152,668 460,033 18,401 222,994 375,662

17 6,000 6,000 -146,668 478,434 19,137 242,132 388,800

18 6,000 6,000 -140,668 497,572 19,903 262,035 402,703

19 6,000 6,000 -134,668 517,475 20,699 282,734 417,402

20 6,000 6,000 -128,668 538,174 21,527 304,260 432,928

21 6,000 6,000 -122,668 559,700 22,388 326,649 449,317

22 6,000 6,000 -116,668 582,089 23,284 349,932 466,600

23 6,000 6,000 -110,668 605,372 24,215 374,147 484,815

24 6,000 6,000 -104,668 629,587 25,183 399,330 503,998

25 6,000 6,000 -98,668 654,770 26,191 425,521 524,189

26 6,000 6,000 -92,668 680,961 27,238 452,760 545,428

27 6,000 6,000 -86,668 708,200 28,328 481,088 567,756

28 6,000 6,000 -80,668 736,528 29,461 510,549 591,217

29 6,000 6,000 -74,668 765,989 30,640 541,188 615,856

30 6,000 6,000 -68,668 796,628 31,865 573,053 641,721

31 6,000 6,000 -62,668 828,493 33,140 606,193 668,861

32 6,000 6,000 -56,668 861,633 34,465 640,659 697,327

33 6,000 6,000 -50,668 896,099 35,844 676,502 727,170

34 6,000 6,000 -44,668 931,942 37,278 713,780 758,448

35 6,000 6,000 -38,668 969,220 38,769 752,549 791,217

36 6,000 6,000 -32,668 1,007,989 40,320 792,869 825,537

37 6,000 6,000 -26,668 1,048,309 41,932 834,801 861,469

38 6,000 6,000 -20,668 1,090,241 43,610 878,411 899,079

39 6,000 6,000 -14,668 1,133,851 45,354 923,765 938,433

40 6,000 6,000 -8,668 1,179,205 47,168 970,933 979,601

41 6,000 6,000 -2,668 1,226,373 49,055 1,019,988 1,022,656

42 6,000 6,000 3,332 1,275,428 51,017 1,071,005 1,067,673

43 6,000 6,000 9,332 1,326,445 53,058 1,124,063 1,114,731

44 6,000 6,000 15,332 1,379,503 55,180 1,179,243 1,163,911

45 6,000 6,000 21,332 1,434,683 57,387 1,236,630 1,215,298

46 6,000 6,000 27,332 1,492,070 59,683 1,296,313 1,268,981

47 6,000 6,000 33,332 1,551,753 62,070 1,358,383 1,325,051

48 6,000 6,000 39,332 1,613,823 64,553 1,422,936 1,383,604

49 6,000 6,000 45,332 1,678,376 67,135 1,490,071 1,444,739

50 6,000 6,000 51,332 1,745,511 69,820 1,559,891 1,508,559

51 6,000 6,000 57,332 1,815,331 72,613 1,632,504 1,575,172

52 6,000 6,000 63,332 1,887,944 75,518 1,708,022 1,644,690

53 6,000 6,000 69,332 1,963,462 78,538 1,786,561 1,717,229

54 6,000 6,000 75,332 2,042,001 81,680 1,868,241 1,792,909

55 6,000 6,000 81,332 2,123,681 84,947 1,953,188 1,871,856

56 6,000 6,000 87,332 2,208,628 88,345 2,041,533 1,954,201

57 6,000 6,000 93,332 2,296,973 91,879 2,133,412 2,040,080

58 6,000 6,000 99,332 2,388,852 95,554 2,228,966 2,129,634

59 6,000 6,000 105,332 2,484,406 99,376 2,328,342 2,223,010

60 6,000 6,000 111,332 2,583,782 103,351 2,431,694 2,320,362

61 6,000 6,000 117,332 2,687,134 107,485 2,539,179 2,421,847

62 6,000 6,000 123,332 2,794,619 111,785 2,650,964 2,527,632

63 6,000 6,000 129,332 2,906,404 116,256 2,767,220 2,637,888

64 6,000 6,000 135,332 3,022,660 120,906 2,888,126 2,752,794

65 6,000 6,000 141,332 3,143,566 125,743 3,013,869 2,872,537

66 12,000 12,000 153,332 3,269,309 130,772 3,144,641 2,991,309

67 12,000 12,000 165,332 3,400,081 136,003 3,280,645 3,115,313

68 12,000 12,000 177,332 3,536,085 141,443 3,422,088 3,244,756

69 12,000 12,000 189,332 3,677,528 147,101 3,569,189 3,379,857

70 12,000 12,000 201,332 3,824,629 152,985 3,722,174 3,520,842

71 12,000 12,000 213,332 3,977,614 159,105 3,881,279 3,667,947

72 12,000 12,000 225,332 4,136,719 165,469 4,046,748 3,821,416

73 12,000 12,000 237,332 4,302,188 172,088 4,218,835 3,981,503

74 12,000 12,000 249,332 4,474,275 178,971 4,397,806 4,148,474

75 12,000 12,000 261,332 4,653,246 186,130 4,583,936 4,322,604

76 12,000 12,000 273,332 4,839,376 193,575 4,777,511 4,504,179

77 12,000 12,000 285,332 5,032,951 201,318 4,978,829 4,693,497

78 12,000 12,000 297,332 5,234,269 209,371 5,188,200 4,890,868

79 12,000 12,000 309,332 5,443,640 217,746 5,405,945 5,096,613

80 12,000 12,000 321,332 5,661,385 226,455 5,632,401 5,311,069

81 12,000 12,000 333,332 5,887,841 235,514 5,867,914 5,534,582

82 12,000 12,000 345,332 6,123,354 244,934 6,112,848 5,767,516

83 12,000 12,000 357,332 6,368,288 254,732 6,367,580 6,010,248

84 12,000 12,000 369,332 6,623,020 264,921 6,632,501 6,263,169

85 12,000 12,000 381,332 6,887,941 275,518 6,908,018 6,526,686

86 12,000 12,000 393,332 7,163,458 286,538 7,194,557 6,801,225

87 12,000 12,000 405,332 7,449,997 298,000 7,492,557 7,087,225

88 255,440 255,440 660,772 7,747,997 309,920 7,802,477 7,141,705

89 - 8,057,917 322,317 8,124,793 8,124,793

90 - - 8,380,233 335,209 8,460,003 8,460,003