May 3 2011, 12:22 PM
QUOTE(mikro @ May 2 2011, 09:26 PM)
With yield lesser than risk free FD rate of 2.5% compound quarterly if you may, it seems less attractive.
Insurance doesn't guarantee your saving, bank does!
Come on ! No 1 guarantees our cash, were just lending in a nice term !Insurance doesn't guarantee your saving, bank does!
Added on May 3, 2011, 12:34 pm
QUOTE(Phonzy @ May 2 2011, 03:19 AM)
im just going to say one thing.
the 5.5% or 12% or whatever % they guarantee you return. are u sure it's on your dividend?
most of the time this % returns is on YOUR SUM ASSURED. not the money you put in. go check.
secondly , if HLA is offering such a damn good savings plan, why are they not part of HLB?
You go put your investment in an insurance company whereby the agents already eat 35% of the commission plus acquisition cost, etc. make sense?
you want investment, go buy from a bank / unit trust.
you want protection, go buy from insurance company.
google word insurance. it means protection, cash value, savings, etc is a bonus. you want investments, go buy from a bank.
what if the agent commission are half of it, do you think ur value is higher?the 5.5% or 12% or whatever % they guarantee you return. are u sure it's on your dividend?
most of the time this % returns is on YOUR SUM ASSURED. not the money you put in. go check.
secondly , if HLA is offering such a damn good savings plan, why are they not part of HLB?
You go put your investment in an insurance company whereby the agents already eat 35% of the commission plus acquisition cost, etc. make sense?
you want investment, go buy from a bank / unit trust.
you want protection, go buy from insurance company.
google word insurance. it means protection, cash value, savings, etc is a bonus. you want investments, go buy from a bank.
This post has been edited by jamzz: May 3 2011, 12:34 PM
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