Hie hie,
For endowment plans, check the benefit illustration on the surrender table, with regards to the full maturity payment. Most 5 yr pay endowment plans are guaranteed to sum assured. Meaning 80% capital guaranteed. The revisionary bonuses and maturity bonus will make up the rest of your returns.
If you do see the breakdown of investment portfolio in the terms and condtition pages, you would see that most of the insurance company breakdown is 30% equities, 40-50% bonds, the rest in assets, commodities and cash. Thus, one could likely see the returns of the performance, is in the low single digits likely.
I have not seen any endowments giving high single digits return before and is unlikely because part of premium paid is towards protection, as they do give certain level of coverage.
If your intention is towards force savings + protection! endowments would be the best as they do give better returns while protecting your savings against any uncertainty. But, the commitment level is high, and you will only be able to get back your principal + interest on maturity date. Any surrender in between will cost you losing the initial amount of premium due to high surrender value in the early part of policy.
So, do your planning wisely before you commit. Enabling you so is to set a goal with this savings and question yourself the reason behind. If it's just purely for investments, following the investments guru here would be a better idea. Ie, going into efts or high yielding dividend equity strategy.
