储蓄险的实际年化收益率

看到隔壁 htps://v2ex.com/t/869299, 先不考虑保险公司倒闭的问题，算下 IRR.

收益率只有 3.31%，还要存满 30 年才能达到。存 6 年只有 2.05%, 10 年只有 3.07%.

+------------++----------+-------------+------++-------+------+ | End || Cashflow | Value (end) | PnL || IRR | TWR | +============++==========+=============+======++=======+======+ | 2022-12-30 || 100000 | 1 | -99999 || -100.00% | -100.00% | +------------++----------+-------------+--------++----------+----------+ | 2023-12-30 || 200000 | 2 | -199998 || -100.00% | NaN% | +------------++----------+-------------+---------++----------+------+ | 2024-12-30 || 300000 | 3 | -299997 || -100.00% | 8482.52% | +------------++----------+-------------+---------++----------+----------+ | 2025-12-30 || 400000 | 4 | -399996 || -100.00% | NaN% | +------------++----------+-------------+---------++----------+------+ | 2026-12-30 || 500000 | 502600 | 2600 || 0.21% | NaN% | +------------++----------+-------------+------++-------+------+ | 2027-12-30 || 500000 | 524450 | 24450 || 1.40% | NaN% | +------------++----------+-------------+-------++-------+------+ | 2028-12-30 || 500000 | 547310 | 47310 || 2.05% | NaN% | +------------++----------+-------------+-------++-------+------+ | 2029-12-30 || 500000 | 571730 | 71730 || 2.49% | NaN% | +------------++----------+-------------+-------++-------+------+ | 2030-12-30 || 500000 | 597270 | 97270 || 2.79% | NaN% | +------------++----------+-------------+-------++-------+------+ | 2031-12-30 || 500000 | 623970 | 123970 || 3.01% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2032-12-30 || 500000 | 645630 | 145630 || 3.07% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2033-12-30 || 500000 | 668030 | 168030 || 3.11% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2034-12-30 || 500000 | 691190 | 191190 || 3.14% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2035-12-30 || 500000 | 715130 | 215130 || 3.17% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2036-12-30 || 500000 | 739870 | 239870 || 3.19% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2037-12-30 || 500000 | 765450 | 265450 || 3.21% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2038-12-30 || 500000 | 791880 | 291880 || 3.23% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2039-12-30 || 500000 | 819190 | 319190 || 3.24% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2040-12-30 || 500000 | 847410 | 347410 || 3.25% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2041-12-30 || 500000 | 876560 | 376560 || 3.27% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2042-12-30 || 500000 | 906680 | 406680 || 3.27% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2043-12-30 || 500000 | 937790 | 437790 || 3.28% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2044-12-30 || 500000 | 969920 | 469920 || 3.29% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2045-12-30 || 500000 | 1003110 | 503110 || 3.30% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2046-12-30 || 500000 | 1037380 | 537380 || 3.30% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2047-12-30 || 500000 | 1072770 | 572770 || 3.31% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2048-12-30 || 500000 | 1109310 | 609310 || 3.31% | NaN% | +------------++----------+-------------+--------++-------+------+ | 2049-12-30 || 500000 | 1147030 | 647030 || 3.31% | NaN% | +------------++----------+-------------+--------++-------+------+