AIA ILPs

Not just specific to AIA, but in general ILPs are not cost effective trying to mix insurance with investment. It is difficult to cater to the needs in both aspects.​​​

One and only reason. The fees. Quite high.

However, I am on AIA Pro Achiever. I only did this because I want spread my eggs around. I didnt want to rely too much on my robos and DIY ETFs. My allocation to this ILP is really small compared to my Robo and DIY.

I wouldn't recommend ILPs as your first investment source. Consider doing DIY or robos first and if you have spare cash lying around and want to spread your eggs, then you may want to consider this.

The returns of my AIA Pro Achiver is 8% so far and I started in March. Relatively not bad. I assume my fees haven't been deducted yet. 100% Equity. If you are interested in my portfolio, comment down below. Dont really consider this as an insurance because the death benefit is so little. I take this as an investment plan.

But my stand is, no endowment plans at all. Returns, though "almost" guaranteed, is too little for my risk appetite.

Just my 2cents worth. You do you.