I think in the past two years, I been getting messages like this on Reddit on-and-off. I probably did not think much of it but the last one that I received triggered me enough to write this post. I got these messages due to my past contributions explaining how an endowment plan works. Many young men and women are recommended these kind of insurance savings plan. They are in their university. The guys are currently serving their national service. Some were persuaded by their parents to get an insurance savings plan because it has worked out so well for them. There were enough that wanted their money to not lose out to inflation and wanted to invest the money. Many don’t really know what to do with their money and just want to earn a higher return. For almost all of them,...