Hi can I ask if anyone has bought Tiq Invest before? Been seeing the ads, I am a newbie investor with low-med risk tolerance. Seeking advice if this plan is good compared to robo-advisors. Thanks!

Tiq, being a heardle 80s member of an insurance company, is primarily focused on selling insurance products.

Tiq is part of insurance firm. Think they will mainly sell insurance. These days, with low interest rates for so many years, a lot of the expected investment gains for insurance type products have been difficult to achieve. Better to separate your investment from protection. Pure insurance or protection are insurance with no built-in cash value. The price is cheaper and by separating your investment from protection, you have more flexibility. Insurance products come with high distribution expenses like salesman commission which you pay for. So buying pure protection instead of complex bundled insurance which promises a cash value is usually not your best start. For investing, the specialist investment providers are better than traditional insurance providers. For investing, you have many choices, but invest - don't trade. Good performances by Endowus if you use CPF money and Squirrelsave which apparently is AI-driven has beaten the others in 2021.