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Anonymous

01 Jun 2020

∙

Is there any risk free investment that gives higher returns than endowment plans?

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Clement

01 Jun 2020

Even you own currency put in fd also will beat up by inflation.So I don't think got "risk free" investment.

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Lim Chun Long Jimmy

27 May 2020

Co-founder at PolicyWoke (Traded Endowment Policies)

My personal take is, in order for an instrument to give returns, it must be exposed to risks to get a yield. If there is no yield, then there is no risks. Hence, personally there is no such thing as risk-free investments.

There is a variant of endowment plans called Traded Endowment Plans (TEPs), which are endowment plans which were pre-owned, bought-over and then re-sold by brokers, for shorter term to maturity and projected higher returns as compared to newly incepted ones. TEPs are also low-risk instrument and not risk-free.

Disclaimer: I co-founded a business trading insurance policies.

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MJ

25 May 2020

At the moment, it's CPF accounts.

You can refer the current interest rates to:

https://www.cpf.go...

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