All good things must come to an end? MoneyOwl is closing by the end of the year and I have been a customer for the last 3 years. However this is definitely too short considering I am looking at a time frame of 20 years. My Little One (MoneyOwl) Start Date: Jun 2020 Allocation: 60% Equities, 40% Bonds Simple Return: 2.15% Time-weighted Return: 20.52% Returns from MoneyOwl has been decent. Fortunately, my investments are safe and will be carried over to iFAST. 2800.HK (MoneyOwl) Unrealised Profit/Loss: -6.11% I started to dollar-cost average into Hang Seng Index (2800.HK) in Dec last year also via iFAST - I hope I am not putting all my eggs into one 'broker'. Returns have been extremely volatile - I am in and out of the red every month. Hopefully this will eventually turn positive after a few years. However at the back of my head, I am worried about the so call lost decade that China/Hong Kong may face like in Japan - the returns from the last 10 years has been dismal. I hope I am wrong else I can only rely on dividends aka panadols to lessen the pain. On a side note, I am exploring a Critical Illness plan for my boy - I am considering a limited paying plan so that it will eventually be self-sustainable. However, premiums are quite expensive if the coverage is high.