Prob those who are interested should starts to look @ foreign funds. In malaysia 20-30% return pa is consider very good or perhaps one of the best funds already. In US or Hong Kong, good funds that generate 20-30% return is consider sap sap sui. In US, good funds generate more than 100% p.a and HK, one of the best funds generate over 800% in 5 years. So, widen ur horizon... the grass is REALLY greener on the other side. Cheers .

lol... im not here to feed u guys. Internet contains huge amount of information. Go read up.

i normally wont encourage ppl to do investment and insurance together. Seperate it, buy pure life insurance + investment in unit trust. That way, you get the best of 'both world'. Besides, if u know how much is the commission for insurance agent for the first 6 years, u will be disgusted like me.

This post has been edited by bafukie: Dec 8 2007, 11:03 AM

yeap... definitely, but it varies according to companies. So i cant generalize the charges (unlike malaysia 3-6% 'service charge' )

Hey come on la...wat is 5-6% service charge compared to >10% return p.a? Do u wanna look juz @ the black dot or the whole white paper. If u really wanna kutuk, why not blast @ the insurance agent better? How many of u know their commission? 4% max from UT agent compared to 30% commission. Who should be regulated more?

This post has been edited by bafukie: Dec 14 2007, 12:15 AM

cherroy u got me wrong. My unit trust funds earns a CLEAN ie NET return of >10% p.a till date. Of course, one of the criteria is to look for good funds or i term it 'best of the best' by doing research myself. No doubt there are funds that register -20% p.a and there are some that earn >20% clean p.a in the first year only to register > -10% p.a the next. So be wise in choosing and more importantly think out of the box