Why don't you describe how Bank Negara and Allianz plan to double our money in 10 years? No institution would ever gurantee returns on investments, so I'm guessing they're gonna do this using government bonds. What's the early withdrawal penalty? And I don't know about you guys, but a 200% percent ROI after 10 years isn't exactly inflation beating. Better than a savings account, yes, but certainly there are better long term investments out there than can beat these rates.