資本市場持續創高，有個族群可能要先「降溫」，國泰人壽表示，50歲到65歲的準投資族群，現在要避免投資比重過大，以免退休時恰好遇到景氣循環的低點，或投資累積期間過短，萬一漲幅比不上跌幅，恐造成資產縮水、打亂退休計畫或生活。
國壽建議50歲族群可以考慮100法則，即100減年齡，等於可放在高風險資產的最高比率，現階段不妨50％放在有月撥回機制的類全委帳戶投資型保單，另外50％則是美元利變壽險，即是「進可攻、退可守」的配置，相對可因應現在可能升息、美元可能升值、市場也可能繼續上攻或有回檔的市場變化。
國壽亦羅列月撥回型類全委投資型保單搭配美元利變壽險的三大好處。
一是攻守兼備的資產配置讓退休準備抗風險。國壽形容月撥回類全委保單有專家看守資產、注意市場變化，以獲取投資收益，但投資依舊有風險，保戶需自負盈虧，而傳統理財型的利變保單，透過宣告利率機制可適度參與市場，有機會獲得額外增值回饋分享金，兩種保單搭配投保可讓資產攻守兼備，轉嫁部份投資風險，落袋為安。
二是美元及利率走升可能出現額外利益。國壽分析現在美元匯率算相對歷史低點，近期美國聯準會屢屢暗示2022年升息機率高，此時是投保美元保單的好時機，市場利率上升時，保單宣告利率可能提高，保戶有機會拿到增值回饋金，資產穩健又可掌握利率上漲契機；若美元升值，兌回新台幣亦還有額外的收益。
三是月現金流可用來建構人生保護傘。月撥回類全委保單預期每月會有固定資金流，若暫時沒有資金需求時，國壽建議可再購買傳統理財型或保障型保單，讓投資的同時再增加財富帳戶，一起累積退休金，或是增加保障帳戶，儲備退休醫療預備金，讓退休生活更無虞。
國壽建議若50歲客戶可配置一半資金到真月月康利變額壽險，另一半是美年佳鑫利率變動型美元終身保險，前者可享投資收益，每個月有機會領取月撥回。
而後者每年提供生存保險金，不用擔心市場變動，可以穩定累積資產。
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