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10-07-2007, 07:55 PM
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#76 (permalink)
| | loves Hyun Bin
Join Date: Nov 2006 Posts: 442 Gender: 
Total SGC$: 428.15 |  Re: INVESTMENT
| Quote: | | | Originally Posted by djchris | | | | | From what I understand, insurers offering investment programmes must have an insurance element in the programmes. This is mandated by the govt.
Perhaps you should elaborate more and not just ask people to PM you. | | | | | he/she said no death cover nia, didnt said no insurance element. | 
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10-07-2007, 07:56 PM
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#77 (permalink)
| | loves Hyun Bin
Join Date: Nov 2006 Posts: 442 Gender:
Total SGC$: 428.15 | Re: INVESTMENT
| Quote: | | | Originally Posted by monkeybusiness | | | | | strongly agree!
i quarelled with another agent (an IFA) recently because she recommended an ILP to me. I already highlighted to her that I do not want an ILP as i do not want to mix my insurance and investment matters together. However, she still insist that ILP is most suitable for me. what rubbish!!!
In the end, I quarelled with her and terminated her service. Now I am looking into pure unit trusts. Even if for unit trusts, try to get it from an online portal e.g. Fundsupermart, poems, etc.
Get from banks will incur a higher sales charge. | | | | | now i m talking to a independent financial advisor. they dun have much charges is it? they claimed lah. and free switch among the funds. | |
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10-07-2007, 09:28 PM
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#78 (permalink)
| | Experienced SGClubber
Join Date: Jun 2007 Posts: 1,346 Gender: 
Total SGC$: 1,050.85 | Re: INVESTMENT
| Quote: | | | Originally Posted by legendtale | | | | | now i m talking to a independent financial advisor. they dun have much charges is it? they claimed lah. and free switch among the funds. | | | | | There might be a wrap account fee. The free switch may be due to because you already paid for the wrap fee...that's why switching of funds are free...i am not very sure. You have to clarify with your advisor.
Please correct me if i am wrong.  | |
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10-07-2007, 10:49 PM
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#79 (permalink)
| | Cool SGClubber
Join Date: Jul 2007 Posts: 961 Gender:
Total SGC$: 2,208.71 | Re: INVESTMENT
oh ya. i would also like to know wat is worth investing in. anyone can share? | |
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10-07-2007, 10:54 PM
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#80 (permalink)
| | Experienced SGClubber
Join Date: Jan 2007 Posts: 3,105 Gender:
Total SGC$: 1,994.67 | Re: INVESTMENT
| Quote: | | | Originally Posted by yvonnetan782 | | | | | oh ya. i would also like to know wat is worth investing in. anyone can share? | | | | | For me right now, its gold.
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10-07-2007, 10:58 PM
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#81 (permalink)
| | Experienced SGClubber
Join Date: Jun 2007 Posts: 1,346 Gender:
Total SGC$: 1,050.85 | Re: INVESTMENT
| Quote: | | | Originally Posted by yvonnetan782 | | | | | oh ya. i would also like to know wat is worth investing in. anyone can share? | | | | | hmm...your time horizon and objective?
is an asset allocation plan drawn out? | |
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11-07-2007, 06:58 PM
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#82 (permalink)
| | Account Suspended
Join Date: Jun 2007 Posts: 162 Gender:
Total SGC$: 208.40 | Re: INVESTMENT
| Quote: | | | Originally Posted by djchris | | | | | From what I understand, insurers offering investment programmes must have an insurance element in the programmes. This is mandated by the govt.
Perhaps you should elaborate more and not just ask people to PM you. | | | | | The plan is asset builder!
Approved by cpf board, it is pure investment with no insurance. That is why many clients want to invest with me now. | |
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11-07-2007, 08:33 PM
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#83 (permalink)
| | Experienced SGClubber
Join Date: Jun 2007 Posts: 1,346 Gender:
Total SGC$: 1,050.85 | Re: INVESTMENT
| Quote: | | | Originally Posted by buayasg | | | | | The plan is asset builder!
Approved by cpf board, it is pure investment with no insurance. That is why many clients want to invest with me now. | | | | | the funds available are the same as those being offered as the AIA ILP policies right?
sales charge is at 3%? | |
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13-07-2007, 07:18 PM
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#84 (permalink)
| | Account Suspended
Join Date: Jun 2007 Posts: 162 Gender:
Total SGC$: 208.40 | Re: INVESTMENT
| Quote: | | | Originally Posted by monkeybusiness | | | | | the funds available are the same as those being offered as the AIA ILP policies right?
sales charge is at 3%? | | | | | yup
summore unlimited free fund switch
best time to invest now | |
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13-07-2007, 07:20 PM
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#85 (permalink)
| | Cool SGClubber
Join Date: Jul 2007 Posts: 955 Gender:
Total SGC$: 1,891.70 | Re: INVESTMENT
i dunno wat can invest leh. sure have some risks one rite? | |
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13-07-2007, 08:53 PM
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#86 (permalink)
| | Experienced SGClubber
Join Date: Jun 2007 Posts: 1,346 Gender:
Total SGC$: 1,050.85 | Re: INVESTMENT
| Quote: | | | Originally Posted by shm | | | | | i dunno wat can invest leh. sure have some risks one rite? | | | | | depends on what are your risk appetite and time horizon
if you prefer excitement and high returns within short period of time, you can try speculating stocks
but if you prefer to invest for a long term, then there are a number of tools that you can invest in. Equities (stocks) also can hold for long term. | |
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06-11-2007, 12:13 PM
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#87 (permalink)
| | Rich Internet Marketer
Join Date: Jun 2007 Posts: 117 Gender:
Total SGC$: 176.60 | Re: INVESTMENT
You should group together to learn the expertise of dabbling in stocks and forex. The stock market is volatile and that's why the gains are tremendous if you play the game right. However, you must be able to stomach losses as well.
So, finally, may we all prosper together. Alright? How To Make Over $22,000 In Passive Income Automatically!
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06-11-2007, 06:15 PM
|
#88 (permalink)
| | Experienced SGClubber
Join Date: Jan 2007 Posts: 3,105 Gender:
Total SGC$: 1,994.67 | Re: INVESTMENT
| Quote: | | | Originally Posted by monkeybusiness | | | | | | the funds available are the same as those being offered as the AIA ILP policies right?
sales charge is at 3%? | | | | | If you take DIY fund investing through portals like fundsupermart versus investing with investment agents, the difference is, the cost of DIY investing is often much lower, and you are exposed to more funds than what the insurer offers you.
Plus some of the funds offered by insurers are plain feeder funds. That means your investment into that fund is actually used to invest in ANOTHER fund. So by investing into another fund, additional fund charges are incurred indirectly. So you have to understand what you are really investing in. Most insurance agents won't tell you everything. They prefer to be Class 95. Only hear the good things.
I will recommend reading up on fund investments and do it yourself. An insurer's forte is insuring, not investing. I won't buy clothes from a shoe maker and I won't buy shoes from a clothing company.
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Last edited by djchris : 06-11-2007 at 06:17 PM.
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09-11-2007, 03:04 PM
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#89 (permalink)
| | Registered Members
Join Date: Oct 2007 Posts: 168 Gender:
Total SGC$: 532.47 | Re: INVESTMENT
i dont invest but some of my family members do... | |
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03-01-2008, 12:03 AM
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#90 (permalink)
| | Registered Members
Join Date: Jan 2008 Posts: 16 Gender:
Total SGC$: 51.00 | Re: INVESTMENT
| Quote: | | | Originally Posted by yvonnetan782 | | | | | | oh ya. i would also like to know wat is worth investing in. anyone can share? | | | | | Gold ??
Simple 1 Step FOREX
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04-01-2008, 01:15 AM
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#91 (permalink)
| | Registered Members
Join Date: Nov 2007 Posts: 7 Gender:
Total SGC$: 25.00 | Re: INVESTMENT
Anyone interested in Unit Trust Investment? I am doing it...lower risk compare to Forex but higher gain compare to FD and ILP.
More stable income generator... Nil Sine Labore.
Cheers,
Peter Lim
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04-01-2008, 02:34 AM
|
#92 (permalink)
| | Registered Members
Join Date: Dec 2007 Posts: 200 Gender:
Total SGC$: 250.00 | | |
