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Old 30-10-2015, 09:08 PM   #11
MikeDirnt78
Arch-Supremacy Member
 
Join Date: Jun 2002
Posts: 13,318
That's why I say the projected returns is misleading, useless.
It doesn't represent what client will get, in pure profit terms.
Putting those 4.75% or 5.75% blah blah blah means nothing if it is only going to be cut cut cut or worst...
thats why i emphasis on the importance of guaranteed values.

projections can differ and past performances may not be repeated. because a good fund manager is unlikely to stay in the insurance company for a very long time. unless the company has a winning investment formula that can be repeated in successions.

i remember looking at this TM Asia Life's CollegePlus. if i can recall correctly, the guaranteed returns was higher than 4% for a 20 years period.

http://www.wilfredling.com/content/view/144/9/

It is the best endowment plan for the purpose of saving up for children's education. Having the highest guaranteed return, it is something none of all other insurers can beat.
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