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Anonymous

02 May 2024

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General Investing

Investing in Mutual Funds or ILP

What are the reasons for investment like Mutual Funds or ILP? Since majority of the funds manager do not outperform the financial market, why would people still invest in them?

Are there any statictics out there showing the percentage returns investing in mutual funds or ILP vs stock selection vs ETF selection vs Robo?

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PP

21 Sep 2024

Avoid ILPs. The sales charges are typically high and the double whammy comes when you have a sleeping agent who inherited your policy from the agent you bought the policy from because he left the agency. I do not have good experience with Manulife. Biting the bullet with 3+ years remaining. With over 6 years invested thus far, I have only gained abt $4k+. My monthly premium is $1k.

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cctzjd

04 May 2024

Own time own target at Self Employed

Avoid absolutely . Too much commission for the agent

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I.L.

03 May 2024

I gotten ILPs long ago where online brokerages aren't available.......

My ILPs in HSBC life pulsar and TM go treasure are all doing badly.....my greatest regret man.....

Yes, please do NOT buy any ILP.

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Financelearner

03 May 2024

People invest in them also because they are not sure how to invest by themselves or they have no time to learn.

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BRYANT

02 May 2024

Nice...

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A FA approached me to invest in a 101 ILP called #goClassic by Tokyo Marine, and the sub-fund is FundSmith Equity Fund. It's 100% investment ILP with 101% death benefit, should I buy this ILP?

I’m 19 years old and would like to get into investing. Should I invest in index or mutual funds? Should I save a monthly goal and use that to invest? My goal is long term growth. Any advice?

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In my early 30s, trying to hit my target of 100k in investments by EOY. It is currently at 94k, should i use the 6k to invest into stocks or continue investing in mutual funds or ETFs? Not sure which.

I bought an ILP in 2010 and further bought a whole life plan in 2014. My agent suggested that I can actually use my investment returns from ILP to fund the WL plan. Does this work in the long run?

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