Bro better read carefully, the guaranteed percentage might not be on the total amount invested, but on a face value amount that is lower than what you have put in.

For example you have put in 50k over 5 years, the face value of the policy is 20k. They will only pay 10% interest on the 20k, and not the 50k that you have invested.

Bro pls refer to my reply above, 30% only for first year (60k/200k premium paid). After that as you put 200k each year, the guaranteed income percentage will drop. At the end you are only getting 5% interest on 1.2 million premium paid.

I’ll advise you not to take the offer and lock yourself for 20 years. Investment return are not guaranteed and it’s extremely illiquid that you will confirm lose out if you withdraw before 20 years.

Should be HLA plan,

https://www.hla.com.my/CMS/Product-Services...uct=73&Sub=1022

Bro no one will buy this plan to withdraw on the sixth year. If you go in, you die die must hold it until 20 years, else you will get less than what you have paid for.

That’s why think carefully before you commit to this plan.

This post has been edited by victorian: Jun 13 2020, 02:19 PM