To me, there are mainly two types of insurance. One is more on protection coverage and one is more on investment.
To me, I preferred higher protection coverage over investment return. There are some plan which provide immediate annuities.
Before i get into equity investment, i’m pretty much impressed by the return from insurance investment. I even bought the education package for my son. After i entered into the equity market and with in-depth study, i start to realize that having 10-15% return per annual is not that difficult.
So, from now one…i will be my own fund manager for my investment.
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