Slow and steady, take some time to build some financial fundamental and always go for long term. Just put some for short term is enough. As I know, many people can sustain or resist the greediness.

A UT agent can buy as much as he afford to. The buying limit only refer to transaction which is FOC, NO service charge. For normal agent, they are entitled to 1k only. But the amount increased when the position is higher, if I am right.

Even Public Mutual will start to trim the service charge from 6.5% to 5.5%. Not much, but it is an improvement.