Back in 2015, I signed up for PruWealth, a savings plan that also allows you to nominate someone else to take over (hence hand over the wealth accumulated to the next generation). This was several months before I stepped foot into the stock market. I currently contribute $204 for this plan on a monthly basis and having opted for the 20-year plan, this will go on until I turn 47. Currently I have not included the idea More than that, I have added crisis waiver component as well. The idea of crisis waiver - not needing to contribute to the savings if I do (touchwood) become critically or terminally ill, prudential will continue to contribute to it - appealed to me.


But after achieving the returns from holding and divesting CMT, Cache and FLT, I feel I can outperform this savings plan investing into the stock market. In fact, I...