I never say "NEED" you said it. It's your own money own choice. Myself do DIY investment a lot but it doesn't defer me from buying an endowment.
mind sharing your endowment performance?
year of entry, premium per term etc.
thanks
I never say "NEED" you said it. It's your own money own choice. Myself do DIY investment a lot but it doesn't defer me from buying an endowment.
Cool down TS.
If u could name me 1 policy that you can surrender anytime and get back all the money you've put in, i will go with that. I think you need proper bank account, where the money u put in = money u can take out.
Theres a reason they play around with names, sadly, say Savings Plan. This is quite misleading imo cos it gives the false sense that u are saving when in fact its saving + insurance package tgt.
Also, ever wonder who the hell came up with the projection rate of 5.75% and 9% on the benefit illustration for ILPs? Looks good but very deceiving isnt it?
sorry to hijack your thread,
i have a prulink.. which is bought in 2006.. had around 2 years of premium holiday.. now the value is like half of what i have put in... is it advisable to sell or continue keeping in the hope that will earn back?
Thanks!
sorry to hijack your thread,
i have a prulink.. which is bought in 2006.. had around 2 years of premium holiday.. now the value is like half of what i have put in... is it advisable to sell or continue keeping in the hope that will earn back?
Thanks!
Don't lose sight of why you bought the policy in the first place. Buying this product main purpose should be insuring yourself from death/tpd/ci. You shouldn't be looking at just your returns at this point in time.
If you ask me, taking into account the lower allocation rate for the first few years, and going on 2 yrs of premium holiday, if you still see half of what you put in is pretty good.
hmm, bought for protection and investment?
but it seems like since Prulink's protection is yearly renewable which means will increase every year, it should make sense to buy a term rather than prulink?
I see, whats your take on China India Fund? Seems like its nt good now?
already submitted my surrender form. Now waiting for cheque to send to me but its almost 5 days already still not yet received.
Take 1 working day to reach there. A few working days to proceed, another working day to get to you.already submitted my surrender form. Now waiting for cheque to send to me but its almost 5 days already still not yet received.
Submit to who? If submit to the agent you wait long long
already submitted my surrender form. Now waiting for cheque to send to me but its almost 5 days already still not yet received.