help with this investment plan

[swanpeach]

hi, some ody from tokio marine came up with this
Total Instalment Premium based on Cash mode Particulars of Fund Allocation
Fund Name
1. Fundsmith Equity Fund Acc GBP (1AAG)
2. Baillie Gifford LT Global Growth Acc USD (GAAU) 3. United SGD Fund Acc SGD (UABS)
Total
^ Death Benefit is 101% of Total Account Value less indebtedness.
40 % 20 % 40 %
100 %


each month deposit 2020 for 5 years and at the end of 5 years can take out

 

[limster]

1. Fundsmith Equity Fund Acc GBP (1AAG)
2. Baillie Gifford LT Global Growth Acc USD (GAAU) 3. United SGD Fund Acc SGD (UABS)

Its like someone put a list of 1,000 unit trust on a wall and picked which to buy by throwing darts at the list.

 

[Thoreldan]

Investment and insurance should not be mixed.

Why not pick up one of the low cost, well diversified etfs discussed in this forum ?

 

[ceciltan]

Investment and insurance should not be mixed.

Why not pick up one of the low cost, well diversified etfs discussed in this forum ?

This one very true.

 

[swanpeach]

Any examples..?

 

[streetfighter]

I would suggest the following global stocks exposure:
- 2822 HK = 25%
- VUSD Lon = 20%
- ISF Lon = 5%
- CSX5 Lon = 25%
- EIMI Lon = 25%
& then rebalance from there.

Any examples..?

 

[Kojo0403]

Same.. suggest that you keep insurance and investment separate.
Any investment linked insurance plan is likely to have high fees whether hidden or not..

Build your own portfolio..
https://api2.sgx.com/sites/default/files/2020-12/Full List of SGX ETFs.pdf
https://www.sgx.com/securities/etf-screener

For US ETFs, look at NYSE/NASDAQ for more options

 

[Mr. Wood]

1. Fundsmith Equity Fund Acc GBP (1AAG)

i only like dis fund. unfortunately is not listed and cannot find a good enuff low fees platform to dca.

 

[lordofthering]

Investment and insurance should not be mixed.

Why not pick up one of the low cost, well diversified etfs discussed in this forum ?

Very true. ,