If you know what you are doing and have a thorough explanations of the products, the bonus interest is simply an icing on top.

I had the same perception many years ago until I meet a good RM who introduced the investment and explained the entire subscription.

And so far, still have 3 running out of 5.
Averagely two of them are making returns of around 6% yearly for the past 5 years.
While the other one which I subscribed two years ago was giving returns of ~4%pa, after May, it has jumped to almost 14% as of Dec 20.

Disclaimer: This is not an advertisement nor enticing anyone to buy without understanding the risk. Just sharing my two cents.