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Anonymous
What are your thoughts on goClassic by Tokyo Marine?
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No don't do it, avoid ILPs at all cost. Super high fees and many layers of fees within. Everyone in the pipeline gets a cut from you, and you are the goat at the bottom getting slaughtered by fees. Fees are critical as it reduces your reduces significantly
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I like Fundsmith Equity! But let's take a look at the fees for this policy slightly closely..
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ILP = insurance + investment
may have other admin fees
If you investment growth cant keep up with the deduction, u lose $$$
However, if you view it as an insurance, NOT an investment, then is ok. Because it has cash value, u can cash out , normally after 5yr, when u decide not to play this game anymore. But i am 99.9% sure there wont be profit.
OPINON:
No.