OK, say for an average case, you are 40 and live another 40 year

来源: borisg 于 2013-10-03 11:10:12 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (329 bytes)
回答: still do not understand. 由 PineRock 于 2013-10-03 11:05:08

The accumulated appreciated premium is

700*(1+i)^40 + 700*(1+i)^39+ ... + 700, i is the return rate. To get 400k accumulated value, i has to be something like 9.4%.

Now, if out of the 900, the company keeps 200 for management fee... They will need even higher return to cover the obligations.

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