Dear All,
I have been approached by my senior for this Insurance Plan.
After i have done some calculation. I came out with the conclusion that this Investment Fund is not what i have been told "guarantee" 100% return.

Please find attachment on the Fund Calculation if you invest for 10 years


This calculation is using very happy scenario where there is a raise of 10sen annually.
If the fund perform poorly and keeping at the price at MYR1.5, you will be losing RM 241 if you sold.

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Please find attachment on the Fund Performance until to-date (2016)

HL_EverGreen Fund

From the look of the graph, personally do not have confidence for this fund.
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I have done calculation for FD (Assume that 3.5 pa.)


So in conclusion, if you looking for long term investment, i would suggest FD/ REIT

PS: That is just rough calculation based on my personal assumption. You may add in your own thought.


This post has been edited by Kadajxii: Sep 4 2016, 11:04 PM