I spoke to HLA salesperson last week about this fund. The summary of the conversation are yes, it is an insurance linked investment funds. During the course of my investment, if I mati, yes there're will be an investment payout to my family.

Another point is, say i start investment for 30k first year, i have to continue invest another 30k for 2nd year and 30k for 3rd year. If i take out before the 3rd year, sure will not return 100 percent. There's only a profit return after the 3rd year. Can I say only guaranteed profit after 3 years?

Am I correct?

This post has been edited by frostfrench: Sep 22 2015, 05:13 PM

thank you. Long term is not for me.

This post has been edited by frostfrench: Sep 23 2015, 11:01 AM