Retirement plans

[boredboiboi]

Are u looking at retirement planning?

Dont mind sharing what plan u mean?
I mean what plan are u referring to. Not play. Typo
If u mean investready. This thread if u read and follow. TS is looking for safe and guaranteed return.

 

[Sprinklesofrainbow]

Dont mind sharing what plan u mean?
I mean what plan are u referring to. Not play. Typo
If u mean investready. This thread if u read and follow. TS is looking for safe and guaranteed return.

Yes investready. It gives you monthly dividend and first of all investment cannot be guaranteed because eg. U guarantee 3% when the fund shoots up to 6% you only receive 3%? Isn’t it unfair? Good thing is that it is fully capital
protected!
Of course now with the promotion, you start off with extra 66% !

 

[boredboiboi]

Yes investready. It gives you monthly dividend and first of all investment cannot be guaranteed because eg. U guarantee 3% when the fund shoots up to 6% you only receive 3%? Isn’t it unfair? Good thing is that it is fully capital
protected!
Of course now with the promotion, you start off with extra 66% !

What if market shoot down 6%?

 

[Sprinklesofrainbow]

What if market shoot down 6%?

These are professionally managed. Recommended funds from first state, schroders, Allianz all hold a strong and proven track record from 4-8%.
Also with the extra bonuses, you start with so much more units!

Pm me If keen I can show you eg. For one fund, every month is average 8%

 

[nautilus]

These are professionally managed. Recommended funds from first state, schroders, Allianz all hold a strong and proven track record from 4-8%.
Also with the extra bonuses, you start with so much more units!

Pm me If keen I can show you eg. For one fund, every month is average 8%

Oh really. Why don’t they put the money where their mouth is and put it down in writing as guaranteed returns?

 

[Sprinklesofrainbow]

Oh really. Why don’t they put the money where their mouth is and put it down in writing as guaranteed returns?

Eh what do u mean?

 

[purpleberry]

Eh what do u mean?

What they mean is put it as part of the contract that it wouldn't go below X% as you said. I seriously doubt there's a fund that is so professionally managed that it won't go downhill when things turn shitty or when the fund managers become too greedy.

 

[maple96]

What they mean is put it as part of the contract that it wouldn't go below X% as you said. I seriously doubt there's a fund that is so professionally managed that it won't go downhill when things turn shitty or when the fund managers become too greedy.

He talking about ILP, if u know how ILP works, u can lose your capital if market go downhill.

This one he is talking about : investready - capital guaranteed upon death, not guaranteed any other time, if my reading is correct. It pays mthly dividends but also charge mthly fees.

Some people just like to brag about the returns but dun tell u the risk of loss

 

[Gitaro]

He talking about ILP, if u know how ILP works, u can lose your capital if market go downhill.

This one he is talking about : investready - capital guaranteed upon death, not guaranteed any other time, if my reading is correct. It pays mthly dividends but also charge mthly fees.

Some people just like to brag about the returns but dun tell u the risk of loss

REMEMBER: NO FREE LUNCH.

 

[boredboiboi]

He talking about ILP, if u know how ILP works, u can lose your capital if market go downhill.

This one he is talking about : investready - capital guaranteed upon death, not guaranteed any other time, if my reading is correct. It pays mthly dividends but also charge mthly fees.

Some people just like to brag about the returns but dun tell u the risk of loss

Yup. All the info is correct. Capital protected against death and terminal illness

 

[Mr. Wood]

What they mean is put it as part of the contract that it wouldn't go below X% as you said. I seriously doubt there's a fund that is so professionally managed that it won't go downhill when things turn shitty or when the fund managers become too greedy.

have. saw be4. but is for accredited investors and hnw only.

 

[maple96]

What they mean is put it as part of the contract that it wouldn't go below X% as you said. I seriously doubt there's a fund that is so professionally managed that it won't go downhill when things turn shitty or when the fund managers become too greedy.

I "have" = whole life and endowment plans, no downside risk, only upside, cos when bonus is declared, it becomes guaranteed surrender value, regardless of market uptrend/downtrend, surrender value increases every year as insurer adopts smoothing mechanism with annual payouts from their par fund returns

Whole life and endowment plans work differently from the ILP animal

 

[purpleberry]

have. saw be4. but is for accredited investors and hnw only.

He talking about ILP, if u know how ILP works, u can lose your capital if market go downhill.

This one he is talking about : investready - capital guaranteed upon death, not guaranteed any other time, if my reading is correct. It pays mthly dividends but also charge mthly fees.

Some people just like to brag about the returns but dun tell u the risk of loss

Mine is small fry worth so never offered. Maybe thats why the rich are getting richer. If they have ILP with guaranteed returns and NO risk, count me in

 

[Sprinklesofrainbow]

Mine is small fry worth so never offered. Maybe thats why the rich are getting richer. If they have ILP with guaranteed returns and NO risk, count me in

No doubt there will be risk involved. However, it can be mitigated thru dollar cost averaging

 

[Mr. Wood]

Mine is small fry worth so never offered. Maybe thats why the rich are getting richer. If they have ILP with guaranteed returns and NO risk, count me in

yah man. i oso want such good deals.
but no money no tok

 

[Sprinklesofrainbow]

yah man. i oso want such good deals.
but no money no tok

Actually start small, the power of compounding interest helps your money to grow

 

[Mr. Wood]

Actually start small, the power of compounding interest helps your money to grow

yah. but u see, start small and average in consistently, it will give slightly better than market returns after 10-20yrs.
but for the hnw, potential to 2x in 5yrs.

 

[Sprinklesofrainbow]

yah. but u see, start small and average in consistently, it will give slightly better than market returns after 10-20yrs.
but for the hnw, potential to 2x in 5yrs.

Ya lo start now bette than worry when going to retire ma.. anyway hnw is put more gain more la

 

[nautilus]

No doubt there will be risk involved. However, it can be mitigated thru dollar cost averaging

DCA for investments or policies?

 

[FreshFunds]

sorry TS to hijack thread...

currently I have some stocks and STI ETF. My target is for passive income to cover expenses, should I still consider those monthly saving plans for compound interest purposes or just focus on averaging out my stocks every few months?