The following was sent by an anonymous who would like to know which Investment link plan would provide/generate the best returns. He is puzzled by the various allocation rates offered by different insurers. What does the allocation rate mean? How does Units Trust differ?
Allocation rate / Insurer |
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The following forms part of my opinion. There is NO intention to make any recommendation of any ILP or Unit Trust fund(s).
My assumptions follows:
(I could be wrong but I doubt any insurance agent can deliver performance because without having the appropriate license, they could only assist to recommend funds that meet your risk profiling, nothing more.
Without the appropriate license, they are not supposed to choose any funds for you. For e.g. if your risk profiling is ‘Moderate’ or ‘Balanced’, their recommendation is probably within the 50% equities and 50% bonds guidelines. They cannot recommend a narrowly focused ...
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