 Do u want to retire early? how do u plan for it?
Do u get a FA from an insurance company or invest in the stock market?
y i choose stock market?
easy ans. since i am still young, havent got the 3 in front. we have long time to gain money right? dat is what a FA will tell u also.
Stock market is more transparent. u can see the price everyday. drop or rise. but those UT le? or even worst, those insurance plans or bankers 1 le.... i remember u need to call them n sign then u can sell, then have to wait a few days then the deal is done. later a few days later the UT drop then how? lppl?
I am not goin to let them happen to me again.
plus the sales charges are high. now i think is 3%
10k of 3% is 300 liao le.... n in 1 yr gain how much? maybe 1k or best 2k. stock market? i think more than dat liao lo....
with near to 4 mths i gain 3k. if i never go n anyhow play warrant, my profit now is 8k liao.
n if u really want to get UT, don get from the insurance guys, get from copany like fundsupermart. lower sales charges. poems also charge quite low. like 1%. not veri sure abt UT as i don invest in UT. will look to UT when i have more CPF.... all my CPF now gone to the insurance plan.... hai... | 
