I would like to ask for an opinion here, why not go for insurance companies retirement plans?

For example, GE's Great Retirement Plan? It is a guaranteed return fund and would also get the tax relief of rm3k?

All PRS providers:

http://www.ppa.my/providers/providers-schemes/

Yeah, that's right. Just thought that the 3k income tax relief would make GE's plan worthwhile too. But it's a 10-15 years guaranteed returned plan though?