Do you recommend getting savings plan? If so, is there any rubric you use to assess which plan is better?

1) do u like locking up your money for a period of time?

2) is the guaranteed returns satisfactory to you?

The simplest to a common man is to look for IRR return.

The internal rate of return tells you how effective money has been utilise. The higher and better the IRR, the more efficient money has been used.

The other indicator is how big the nett present value is after deducting the cashflow.