Savings Insurance vs ETF
Whether you're deciding to buy or deciding to surrender, the core question is identical: does this capital grow faster inside a savings-insurance policy, or in a low-cost ETF? This tool pushes both paths to the same horizon, computes the breakeven ETF return, and shows sensitivity across 5/7/9%.
A surrender decision isn't just math
- Guaranteed payouts and death benefits disappear once you surrender
- FX risk: USD policies re-deployed into TWD assets take the exchange-rate hit
- Tax: ETF dividends may be taxed; most policy maturity payouts aren't
- Liquidity: ETFs sell anytime; insurance requires surrender (with penalty) or maturity
Want to compute your policy's actual annualized return first? Try theSavings Insurance IRR Calculator.