Just been approached by an agent about this fund, the story of the package she told me as below;

1) Guarantee, around 64.5% per annum for 18 years (2035), 3.6%per annum.

2) Guarantee, a dividend of year 6th (4%), 7th (8%), 8th (12%), 9th (16%), 10th (20%) and 20% for the rest of years.

3) There's lockup profit at the highest price, say if you bought at price 0.9, and supposedly the guarantee is 1.13 at maturity year 2023, and the price hit 1.5 in the middle of the period, HLA will lock up 1.5, and you gain 1.5 even the price are lower than 1.13 upon maturity.

4) HLA only absorb 1.5% from total capital annually, that's including commission fees and life plan.

So anyone can clarify and confirm this.

This post has been edited by Clement1001: Apr 1 2017, 01:02 AM