facebookDo you think investment plans from insurers are better than investing directly in the market? - Seedly

Anonymous

29 Nov 2019

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Insurance

Do you think investment plans from insurers are better than investing directly in the market?

Discussion (4)

What are your thoughts?

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Paridhi Jhunjhunwala

29 Nov 2019

Associate at Kristal.AI

Hi!

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Investments made by insurers are not meant to provide a high return. They are in turn intended to provide safety and so the return may not be very high. If your objective is to earn a higher return, you should consider investing on your own. The returns here will be dependent upon various factors like investment timing, stock selection etc.

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In case you want some guidance while investing, so that you do not have to put too much time in it, you can try a robo-advisor. A robo-advisor will create an optimal portfolio for you based on your financial goals and risk appetite without a very high fee linked with it.

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I work at kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

Kelly Trinh

28 Nov 2019

Backoffice technical at financial services firm

Assuming you are investment with the purpose of making money - then no; insurers aren't going to be better. There is just too many hand in the pie taking fees that weaken the returns.

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For other considerations (advice, possibly, from an agent, easier dispensation of proceeds on death due to beneficiary mechanism) then investments through insurance company may have some value.
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If you do choose investment through insurance products, best you try to identify why you are doing so.

Luke Ho

10 Nov 2018

Founder and Director at CFX Money Maverick Pte Ltd

Better is pretty subjective, unfortunately.

If you're of the perception that lower fees is always...

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