Are those who bought investment-linked or endowments really not a smart move? Or if it does meets one financial goals, will the purchase then be frown upon?

Can see it as a side cost, making you save up indirectly, be it earning good returns or not.

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That might make the objectives sound a bit better in a way.

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There is no definite way of how to "Invest smartly and not get into financial traps", so just think through a few times before you make a "make smarter financial decisions" quoting Seedly here.

I think the downside is the higher cost associated with ILP. I think it just generate lower return for investors.

Hello, i would say every situation is different and thus it depends on you. You should look into the premiums and weigh it against your goals. You can read up more about endowment plan and ILP before making your decision.

Here full of people with financial literacy, of course they can invest better with their own and advise u not to. if urself TOTALLY dontknow how to saving how to invest, throw in ILP or endowment better than every month throw to haidilao.