Should I invest through an insurance company or invest by myself?

If you enjoy the idea of investments and ownership, have the knowledge, have the time then by all means do it yourself. Otherwise maybe not too wise to throw yourself into it without some form of guidance.

Depend whom you pose the questions to

If I am your insurance agent: Investing a a very high-risk activity, are you sure have the right skills/knowledge to monitor your positions, can you sleep well at night? if not 100% sure, better leave it to the professional aka me, cos i will always protect my clients' interest!

If I am your investment guru: Investing is not rocket science, as long you follow my proprietary investing system, just pay $XXX, money-guranteed and we have a weekly/monthly discussion group to help all of us analysis the market!

If I am a normal investor: Investing is a lonely journey, though there are occasions you can ask for help here & there. If you are unwilling to put in the effort to build up your financial literacy and skillset, only relying on others' for blind guidance/spood-fed answer, you will always be frustrated by market's fluctuations. Conversely, if you are willing to put in the hard work, be patient and set risk-adjusted realistic goals, it will be fruitful down the road.​​​