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Anonymous
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Nah not for me. I bet they have hidden fees not advertised on their website. There are many types of fees, ranging from fx, account maintenance, advisory fee, miscellaneous fees, etc; you get my point.
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My ILP also have no switching fees nor sale charges but the other fees eat up 5 %. Only with the loyalty bonus, that 5 % fee is reduced to 1 %.
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Just stay away from investment via insurance companies.
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Depends on the investment vehicles you are interested in. For UTs, there are few platforms like dollarDEX, that charge zero sale charges or platform fee. It is a no-frills self-service investment platform. Another edge is, it returns funds directly to one's bank account fast compared to established brokerage firm which takes couple more days.