As of now IF you have $10,000, will you put it in endowment plan or use it to invest in stock and why?

Ill either buy IWDA ETF and forget it till I want to retire.

or one of the roboadvisor for monthly DCA.

The key is going for low costs. IWDA and some roboadvisors have low costs, and overall it will have higher returns than buying an endowment policy.

For me: same procedure as every year ...

Ultra-long term buy & hold of broadly diversified, cheap and large, physically replicated passive indexing stock ETFs (complemented by 5-10% physical gold) with periodic (f.ex. quarterly) investing via a cheap online broker and all currency switches made (not by the broker or bank but) by Transferwise seems a sound strategy. Avoid mutual funds/unit trusts at all costs.​​​

It depends on what you want to get out of it. And most importantly what is the amount of risk you are able to tolerate.

Also as an active trader and investor myself for the past 4 years or so I am able to discuss with you more about the stock if you decide to do so.

-removed by admin-

There's more than 2 options to your hypothetical question.

Let me broaden the scope of your question by suggesting another option which guarantees your capital, gives you a decent return relative to endowment plans, and gives you liquidity. Singlife Manage is a decent product that gives you 2.5% per annum. :)