储蓄险的实际年化收益率

看到隔壁 https://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% |
+------------++----------+-------------+--------++-------+------+