Should I invest in "AIA Global Dynamic Income Fund" via AIA Invest Easy (investment-linked plan) ?

The reasons why you should invest in an ILP are:

1. You don't have time to manage your own money. If you have to juggle between family and work commitments, then it's normal to find yourself having limited time to invest. You might just be better off allowing other people to invest for you.

2. You don't have any interest in investing. Everyone is interested in different things. It's fine not have any interest in investing as well. If reading up on business and financial news is not your cup of tea, then leaving your investment with financial professionals can be a good idea.

3. You don't have access to accredited funds. There are certain criteria in order to be considered as accredited investors. Unless you meet such criteria, you are not able to participate in accredited funds. Using an ILP as a platform allows you to invest in funds not available to the majority of the public.

4. Superior returns. There is no point investing in a high fee platform unless they are able to generate you superior returns. Some accredited funds consistently yield more than 10% annualized returns.

5. Diversification. Trading involves transaction cost and these cost can become significant over the long run. Using a managed fund allows you to tap into different markets in different geographical areas simultaneously.

6. Access to a trusted advisor. Buying into an ILP means that you have a trusted financial advisor that is able to provide you with 3rd party opinion with regards to your investments.

The downside to ILPs are:

1. Complex structure. There is management fees, distribution cost, etc. There are so many layers of fees and it may not be easy for a layman to understand.

2. High fees. Depending on the type of ILPs, fees can range between 2% to 6%.

You should be aware of what you are investing in before purchasing into the investment vehicles. The potential cost of surrendering your plans can be really high if you are not prepared for it. ILPs are long term commitment plans and you need to stay invested over the long haul. Your advisor should provide you with the right advice in order to assist you.

I hope this answers your question and if you need more information, don't hesitate to reach out to me.

If possible, invest yourself rather than through an insurance company. There will be higher fees involved which will eat into your returns.