Should i get a saving plan insurance or Investment-Linked Policy for my retirement? I am 25 years old. And i want to set a monthly sum. But I cant decide which is better?

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Why not have both. Both are very different instruments and can serve different purposes

You can consider Dollar Cost Averaging into Passive Index ETFs, or if you want less effort you can also consider the likes of Robo-Investors or Regular Savings Plans, though there will be a wrap fee / management fee for the latter two.

But why not consider doing it yourself since you have a long time horizon before retirement?

I personally feel that any of the aforementioned would easily be a better choice than a saving plan or ILP, though it ultimately depends on your risk-appetite and comfort level.

All the best.

- Jeffrey (jeffreyleezq.com)​​​