Term Insurance

[jgyy1990]

just a thought for those with ilp, how do you ensure that you get above 4% annual yield?

 

[iCuteCube]

just a thought for those with ilp, how do you ensure that you get above 4% annual yield?

There is no way to ensure. You have to choose your sub-funds carefully.

Insurance increase with age and your "returns" will be affected.

 

[SCG8866T]

just a thought for those with ilp, how do you ensure that you get above 4% annual yield?

My view is dont get ilp. Keep investment and insurance separate.

 

[MaoZeDuo]

just a thought for those with ilp, how do you ensure that you get above 4% annual yield?

u cant ensure... thou u can try to achieve by considering higher risk fund if ur risk appetite allows... and maybe single premium top ups at a regular basis to invest cos in the first few years... larger portion of ur premiums goes to charges and commissions... hence... still... avoid ilp

 

[joasky]

Ultimately it is also important to understand if the ILP has front-end loading or works on a back-end loading basis.

u cant ensure... thou u can try to achieve by considering higher risk fund if ur risk appetite allows... and maybe single premium top ups at a regular basis to invest cos in the first few years... larger portion of ur premiums goes to charges and commissions... hence... still... avoid ilp