If you purely wants to go for investment and make more money

Stay out of insurance then!

The not-high payout should be justified since you are being protected at the same time. If you are rather concern on how to build a big wealth then you should get yourself out of this. But if you have some extra cash and have no idea where you want to put it, afraid of risk and at the same time need protection... this may be something good for you.

At least you get some decent returns yet with some protection by using your not-know-where-to-spend money.

People are talking about money inflation in later years which is true, but if you got nowhere to spend you either save it with even low returns + protection, OR just spend all lump sum in order to maximize your value and to left with zero value in your later years.

So you make your own call, after all .. it is your own money.

Good luck mate.

Cheers

I am not an insurance agent and neither I have dumped money in unit trust before.

Unit trust is not entirely safe as well, it goes up as well as down... but there are many funds where some are aggressive and some are not and I think only unit trust experts can enlighten you more on this.

I was only trying to make a point where insurance should first focus on insurance first then investment, hence the word insurance.

Cheers...