Saw the ads on Facebook. 4.07% Gurantee Capital return. The rate looking interesting compare to Singapore Saving Bond. Anybody know what this plan is about?
Saw the ads on Facebook. 4.07% Gurantee Capital return. The rate looking interesting compare to Singapore Saving Bond. Anybody know what this plan is about?
Projected.
Not really worth it. Might as well throw into SSB. At least the assurance and guaranteed rates are better.

some agents have no integrity and compare 'projected' non-guaranteed rates to SSB rates and claim their product better than SSB even though the guaranteed rate is less than SSB![]()
they will tell u based on past 10 years of tracks record, always able to hit the projected value
if they are always able to hit the projected value, then it might be better to invest in the funds directly than via endowment/any policy that has a layer of added fees.
if the fund return 4.75% or more, they will only give you 4.07%... what if fund returns 20% (2017 - STI 20%?), will they only give you 4.07%? How much do they makan?