For the saving plan, they have many way to start, such as FD, unit trust, insurance education plan, SSPN and so on.


FD rate 2.5% more. after 10 years, nobody the actual rate.

Insurance - education plan ==> Most the plan is 20 years. When you kid after Form is 17. Foundation 1 year. 19 years old, they need to enter Uni. So, the education plan not ready to use yet. Again, most of the investment link plan on insurance company min need 15 years only can get back your NETT, as my insurance agent tell me.

Unit trust ==> You can draw out anytime, no tied up. long term with 10 years , 7 % per annual or more. some will reach 10% per annual over.

SSPN ==> 3% to 4% per annual