hi guys,

i'm not sure if this is the right place to post this so please move it where appropriate.

ok, around 1 year back, i opened a Maybank Premiervalue Savers and opted for a stable fund.
Link to stable fund

the thing is i was pretty sure i asked about service charges and nothing besides the one printed on the brochure (same as link) was mentioned to me.
also, there is a supposedly 'free' 50k life insurance if i went with this fund

i've just received my annual statement from them. the summary is
total premium received 1200
total establishment charge paid -360 (RM30 a month, 30% a month)
total risk premium paid -76.92
total adminstration charge -72.00
which makes it to a balance of 691.08
and RM676.20 after a 100% fund splitting (whatever that means)

so i just check the website and there was this
Policy Year Allocation Rate
1 70%
2 85%
3 100%

some questions i wanna ask is,
1.with this allocation rate, where does the balance 30% go?
2.i feel like i got conned, it's totally different from what the sweet lady in the bank told me, should i terminate this pronto(can i even)?


p.s: pls don't bash me for not reading the fine print. it was really thick. i tried to skim through. obviously i missed out on alot.