What is your opinion in these kind of investment plan ?

By referring latest HLA investment linked funds performance reports,

Types of funds:

Evergreen 2023 decline in NAV/units to RM0.887 compared FY 2012 @ RM0.907.
Evergreen 2025 increase in NAV/units to RM0.859 compared FY 2012 @ RM0.858.
Evergreen 2028 decline in NAV/units to RM0.824 compared FY 2012 @ RM0.843.
Evergreen 2030 decline in NAV/units to RM0.805 compared FY 2012 @ RM0.846.
Evergreen 2035 decline in NAV/units to RM0.769 compared FY 2012 @ RM0.819.

- The only lucky fund HLA Evergreen 2025 with annual return @ 0.12%????

- Any experts/agent from HLA may describe this events before i pull out my funds from this kind of slow moving fund?

- My POV is simple, y i need to invest in this type of return [0.12% p.a] instead of i'm save it in my bank account/savings a/c which also can generated more than that \o/. No need to compare with property investment which valued better than this fund.

To the agents: please make me clear on this product or else HLA gonna give a good reason on why the fund appears to be slow moving funds with low income generated. Thank you.

If it's insurance linked, will lose a lot if surrender. Is this insurance linked ?

if you have more questions, i can answer in detail. after you study what you have bought. 

you will definitely get something back. just not much. insurance is meant for long term.

normally High risk = high returns and vice versa..
It's impossible to have low risk = high returns .
Imo, rather then investing in ILPs from banks,i rather u plunge into the stock market or forex which is more rewarding

Avoid 126 group selling this product. I was cheated by agent of theirs

I'm not sure why anyone would buy a savings plan like this.

If you buy a simple 15/20/25 year term insurance and put the rest into an FD, you'd probably do better.

No to mention you'd have very high liquidity, without any fixed commitment.

thank you for the info and advice.

i read the product sheets and see how...ask u all if i have further questions

thanks again!!!!

Thank you, adele123.

HLA EverGain Plus has annual premium to be paid rite (like every year till the policy ends - i dont wan this kind of commitment)?

That friend is somehow considered best friend of mine so kinda hard to reject if he hard selling HLA product to me later. 

Once i meet my friend, i will come back and ask more heheheheeee......