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Old 30-10-2015, 09:15 PM   #12
Arch-Supremacy Member
Join Date: Jun 2002
Posts: 13,373
According to the benefit illustration, the value $88136, the maturity surrender value, is of a "projected 5.25% investment return". However, according to the POSB savings calculator, it is only a approx 2.8% interest rate.

Can anyone advise me if there is a miscalculation on my part? Or am i misunderstanding something here?
in short it is like this.

you are paying $396 per month. you need to pay

$A for insurance costs, commissions to pay your agent so that he can buy a new car, etc, etc
$B is left for investments

$A + $B = $396

the 5.25% is the projection on the returns of $B in your policy

2.8% is the actual returns if you consider $396 as a whole
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