saving is saving. investment is investment.

don't mix both.

same reason why people should not mix wife with mistress.

different thing different function.

okay i will explain.

this product is savings oriented. the purpose of this product is to help people who do not have much knowledge in investment products to have an alternative saving instead of just FD.

people who knew other investment products/methods definitely will skip this.

but this product targets the market audience who wants to save.

you see, the more you read about the brochure the more you think it as investment product as the words they compel is to make it sound like and look like an investment product.

it is not.

investment =/= savings

dog =/= cat

long story cut short, you are buying a saving plan. not an investment plan. all marketing gimmick. we all live in a world full of advertising to buy things that we don't need to impress people who we don't like with money we do not have.