But every month target save rm300 - rm500.FD min rm1000

whut is this

I took a saving plan by HLA. Look out for it, I think it's still available. Minimum lock in, 6 year. Return quite high.
TS dah la cakap 6 - 10 years and you go babbling about liquidity risk.

There's a guaranteed return, average to 6.9%/annum. Interest applied on this amount if you don't do withdrawal on it. There is also dividend, but forgotten the rate. My last calculation based on best rate, it could go up to around 9.7%/annum.

Yes, withdraw after completed 6 years tenure. It was backed with PIDM as well.

I did the calculations. Only those that don't understand it said it's a myth.

I've already said, average to 6.9% per annum. Not including dividend.

this 2 threads ah?

https://forum.lowyat.net/topic/3602419/all
https://forum.lowyat.net/index.php?showtopic=2723676

i think the only way to find the real return is really enter the program, then plot every year how much pay in, then get every year pay out.
i think after year 10.. then can see whats the real returns..after all those variables like dividend /that particular year actual figure u received etc
i had one running over 10years adi (not HL) i think 12 year payment , then autopilot, when i check the real figures it was like 3-4% real return.. not much actually. but ok la for some forced savings/backup funds. haha and then just leave it to run until 60 or 75years old. etc...

I calculated saving plus plan before, better you keep in FD. FD accumulated interest plus shorter maturity period, Saving plus plan fixed interest at 3 %, usually with few years maturity period. Your accumulated interest in few years definitely higher than saving plus plan i tell you.

best is to park everything excess into full flexi housing loan  then every month quite cheap for my monthly mortgage