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40岁每年保费5万，20Pay：
第一年相当于5 year average CPP YMPE 80%
CPP YMPE 每年涨，第二年你就付了78。5%以此类推，
20年共付 CPP YMPE 1400%
如果100岁死亡 = CPP YMPE 2900%就是按实际通胀一倍免税，收益尚可。
如果早死收益率会更高。
名义收益4%，6－7%是不可能的。
-(dulululu); 2021-12-9 {321} (#14171386@0)For exmaple:
2020 YMPE 58700 your 50000 is 85%
2021 YMPE 61600 your 50000 is 81%
you total pay is 20 times so you add (85%+81% +...) is 1400%
when you 100 years old at that year 2080 YMPE is 250000
your insurnace give you 9,750,000 that is 3900% of YMPE for that year.
Your input is 1400% YMPE your output is 3900% YMPE tax free.
during 60 years your money buy power double. tax free,
-(dulululu); 2021-12-9 {433} (#14172883@0)during my years I will contribute of total 470% of YMPE using the same method above.
(this is empolyee and employer total)
I am expecting get 15% of YMPE each year when I retire 65.
So I need live to 92 years old to break even (92-65)*15% =475%
and dont forget the tax...
So I think life insurance is not too bad.
fpr 40 years old your 20 pay will give you approximate double buy power and tax free.
-(dulululu); 2021-12-9 {446} (#14172903@0)你无非就是借助这个数字，来表达 inflation，是吧，每年2-3%，大家都知道的额事，还大老远用YMPE？5万/年，20年，面值就100w，就为了60年后得295w，60年呀！一个人出生，然后都要退休了，60年不是各短时间，才295万？？？？？？
年复利 1%的投资回报，100岁时就是350万，当然我没计算税呢，我的1%够低得了吧，努把力，弄个2%，其中得1%交税行吗？
Holy moly。1%投资回报率，GIC就行，都谈不上投资
-(梦想农庄); 2021-12-9 {387} (#14173139@0)