Request your advice, comments on Tokio Marine GoTreasures for my total premium of 36K with policy term for 10 years? This is a ILP without insurance charges for death coverage.

The new-style invest-only ILP indeed doesn't have insurance charges, but the death coverage is only 101% of portfolio value or net premium paid, whichever higher. And insurance company sweeten the deal with initial bonus, loyalty bonus, etc. How do you think they can afford to offer death coverage and bonuses without any insurance charges? Answer is obvious, they come from investment charges, plus I believe there is surrender charges in the initial years to cover their insurance cost.

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The performance of ILP is very much depend upon the sub-funds you choose, and is subjected to the usual investment risks. Many of the sub-funds offered are available from unit trust platforms available to retail investors, usually at a lower investment cost than that of ILP. The only reason I can think of to invest in ILP would be the funds available only to Accredited Investors, meaning you can't invest directly as a retail investor, e.g. Baillie Gifford funds.

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You may view the list of TMLS funds here:

https://www.tokiomarine.com/content/dam/sg/Life...

• Work backward, from CPFLife as a baseline for retirement.
• Calculate monthly how much you need to survive when retired
• See how much $$$ is falling short from CPFlife.
• Do you want to recieve passive income or selling your investment to fund your retirement
• Passive income- sg reits, fixed income, dividend unit trust
• Selling investment- US broad index ETF.