Hi all

just to add.

I have a good friend that is doing very well. How well? Let's just say he has his own construction co, bungalow, land here & there, asset
overseas etc etc. Smart biz man.

And so, he ask my opinion about endowment plan. I told him there are better investment out there. And he says he wants it for his children.
Pay limited years & get returns.

There are people who wants such plans. Many are better investors than a lot of fin planners out there but just want something lower risk despite low returns. It is not all about high returns all the time. Nothing against common advice.

Different strokes for different folks.