Someone replied this topic and it goes to the first page, or else I won't be able to see it and reply.

Investment-linked product not always a bad choice. It just like in unit trust. You should know when to move to equities, when to switch out to fixed income, how to lock-in profit, when to do your "dollar cost averaging", etc.

I doubt many agents actually do that for their clients but policy holder should be aware they can switch funds depend on the market.

Another way to have some sort of investment is to buy whole-life policy. Haha, Mtsen will not agree to this as he is PRO on, buy term invest the rest but try to take another look on it.

In whole life(participating polic), your premium (actually is additional prem you paid) will be so-called "invested" in the company operation and investment, and when the company's profit from it, you get some "dividend".

For me, performance of participating fund is far more secure that units in investment linked as performance of insurance company but it cannot generates return such as 20% a year.

Well, high risk, high return but make sure you know how to manage them.