What are your thoughts on brokers selling short-term traded endowment policies with a projection of IRR 3.8% to 4.6%? Is it a good savings plan?

Short term with IRR 3.8% to 4.6%? p.a.? Are you sure? Projected non guaranteed returns? If its non guaranteed, dont bother.

Most of the case study have shown that at the end of the day, the projection is always higher than expected to attract you to buy their products. Thats why the words used is non guaranteed. You cant complain afterwards if you returns are lower.

If its guaranteed, do share the product so we can take a look into it! I will definitely be interested as well.