well, u refer to product by HLB?

a quick check reveal there is a monthly charge/fee of RM8. Not sure abt other fees... the info aint much to cross chrck.

as other said, the so call guarantee actually aint a guaranteed, no firm can give u a constant return at the rate thst you claimed... do dohble check again., better if u have the pripisal as well quotation frm the agent.... look for detaik.

its good to plan for retirement at early day but not at the cost of burning own money.


on the other token, do consider PRS, its tax relief somemore... but its not insurance or any protection plan