Search found 66 matches

by RandomWalking
Tue Jun 13, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 6656

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

Someone posted on another investment forum:
Last Friday, I decided to close all of my US positions. ...
by RandomWalking
Fri May 19, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Does SIPC protect Ireland domiciled ETFs bought at LSE through US broker?
Replies: 0
Views: 364

Does SIPC protect Ireland domiciled ETFs bought at LSE through US broker?

Does SIPC (Securities Investor Protection Corporation) protect Ireland domiciled ETFs (exchange traded funds) bought at LSE (London Stock Exchange) through US broker? The US broker is a member of SIPC and regulated by the US Securities and Exchange Commission. I read through the Investor FAQ at the ...
by RandomWalking
Fri May 19, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 7248

Re: Convince me to get back into stocks!

You are betting against Warren Buffett.

Are you prepared to take that bet by staying out of the stock market?
by RandomWalking
Thu May 18, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Which brokers trade dollar listed ETFs on London Stock Exch
Replies: 50
Views: 6390

Re: Which brokers trade dollar listed ETFs on London Stock Exch

I read through the Investor FAQ at the SIPC website. I did not find any mention that the protection is only for securities that are US-domiciled unless the purchase of Ireland domiciled ETFs like VUSD or VWRD are considered as "foreign exchange trades". However, I think "foreign exchange trades" act...
by RandomWalking
Sun May 08, 2016 4:22 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

Do you using Dollar Cost Averaging approach to add on the portfolio? I am thinking to use the DCA and thus will invest in a fixed interval instead of timing the market unless have a huge lump sum to invest. I plan to time the market. If the STI is low enough, I will probably start to accumulate (e....
by RandomWalking
Fri May 06, 2016 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

The Straits Times Index is falling (recently). Is it time to buy STI ETFs?
by RandomWalking
Fri May 06, 2016 3:59 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

The draconian US estate tax for NRA (non-resident aliens) that starts at $60,000 only applies to US stocks, US bonds, US domiciled ETFs and other 'US situated' assets such as cash held via a US broker. There is a scenario of when one has converted Ireland domicile ETFs to cash at IB and then unfort...
by RandomWalking
Sat Mar 26, 2016 3:47 am
Forum: Investing - Help with Personal Investments
Topic: Considering S&P 500 Index and Total Stock Market Index in portfolio....
Replies: 10
Views: 1537

Re: Considering S&P 500 Index and Total Stock Market Index in portfolio....

Over long periods, whatever does poorly for a while, often does better later. What is the evidence for the above statement? The statement seems misleading (to me). I beg to differ with a counter example from the evidence of survival of the fittest in the index fund literature e.g. a poorly performi...
by RandomWalking
Thu Mar 24, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Irish Domiciled VTI Alternative?
Replies: 5
Views: 537

Re: Irish Domiciled VTI Alternative?

CSPX is an alternative ETF to VUSD. See details at:
VUSD vs. CSPX - which S&P 500 ETF is better?
by RandomWalking
Sat Mar 12, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio setup (Singapore)
Replies: 17
Views: 1891

Re: Help with portfolio setup (Singapore)

Have you seen the page from IB for United Kingdom? m It seems that for LSE International Order Book and USD-denominated stocks, it is Fixed at USD 0.05% of trade value; Minimum Per Order is USD 5.00; and Maximum Per Order is None. I think this applies to Ireland domiciled ETFs like IWDA and EIMI. S...
by RandomWalking
Sat Mar 12, 2016 2:23 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio setup (Singapore)
Replies: 17
Views: 1891

Re: Help with portfolio setup (Singapore)

Have you seen the page from IB for United Kingdom? m It seems that for LSE International Order Book and USD-denominated stocks, it is Fixed at USD 0.05% of trade value; Minimum Per Order is USD 5.00; and Maximum Per Order is None. I think this applies to Ireland domiciled ETFs like IWDA and EIMI. So...
by RandomWalking
Fri Mar 11, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio setup (Singapore)
Replies: 17
Views: 1891

Re: Help with portfolio setup (Singapore)

Does the stock distribution look ok or should I play with it some more? Your asset allocation seems typical for a Singaporean following Bogleheads philosophy of investing in stock and bond ETFs. I have observed other Singaporeans on Bogleheads forum stating asset allocation of ES3 at 0%, 10% and 30...
by RandomWalking
Fri Mar 11, 2016 5:11 am
Forum: Investing - Help with Personal Investments
Topic: IF I am foreigner, Which is the best company to invest in USA?
Replies: 13
Views: 1616

Re: IF I am foreigner, Which is the best company to invest in USA?

inbox788 wrote:"If I am an American, which is the best company to invest in Germany?" (not VW!)

Siemens.
by RandomWalking
Wed Mar 09, 2016 5:54 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio setup (Singapore)
Replies: 17
Views: 1891

Re: Help with portfolio setup (Singapore)

40% IWDA (Global Stock ETF)(m) IWDA is quite a popular ETF among Bogleheads NRAs who are keen in investing in an ETF that tracks a Developed Countries index. Have you considered alternative similar ETFs such as VDEV (Vanguard FTSE Developed World UCITS ETF (USD) | VDEV)? (m) If so, why did you fina...
by RandomWalking
Tue Mar 08, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio setup (Singapore)
Replies: 17
Views: 1891

Re: Help with portfolio setup (Singapore)

I am a 28y engineer ... Curious. What kind of engineer? 30% ES3 (Singapore Stock ETF) Have you started accumulating ES3 yet? Seems to be rising from the lows in Jan 2016. I don't want to be overweight on local stock, but I'm using Standard Chartered Bank to trade and there is a ~1.5 - 2% exchange r...
by RandomWalking
Mon Mar 07, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Australian Vanguard ETF for three-fund portfolio
Replies: 11
Views: 2343

Re: Australian Vanguard ETF for three-fund portfolio

I mean, I'm totally on-board with the fact that over the past 100 years Australia has outperformed the US and been the single best place on Earth for equities. (Not that Americans seem to know that.) Did not know that Australia outperformed the USA. By how much? And I think you need way more outsid...
by RandomWalking
Mon Feb 29, 2016 4:20 am
Forum: Investing - Help with Personal Investments
Topic: Limit order. Does the day trading time matter?
Replies: 25
Views: 2086

Re: Limit order. Does the day trading time matter?

For buying or selling S&P 500 ETFs, does it matter that one should trade the ETF only during the US exchange trading hours when the stocks of companies in the S&P 500 Index are actually trading? For example, there are S&P 500 ETFs traded on the London stock exchange (LSE). However, shoul...
by RandomWalking
Fri Feb 26, 2016 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

... because i don't want to feel discourage when STI outperform global stocks and i'm over-weighting global stocks, ... When were the periods when STI outperformed global stocks? A cursory examination of a stock chart of STI index over the last 4 to 5 years seem to indicate that an investor would b...
by RandomWalking
Fri Feb 26, 2016 3:56 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

Meeia wrote:70% IWDA (MSCI World)

20% EMSD (MSCI EM Small Cap)

... but just worried about the fx risk.

IWDA and EMSD require USD and EUR respectively for purchase. How does accumulating 70% IWDA + 20% EMSD minimize or lower your "fx risk"?
by RandomWalking
Fri Feb 26, 2016 2:55 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

This is still US heavy (41%), but I've always wanted to be US heavy but just worried about the fx risk. If one just invested 100% in VWRD ETF, then one would have more than 50% in stocks of US companies. So I think your portfolio is not really US heavy. But I empathise your worry about foreign curr...
by RandomWalking
Thu Feb 25, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

It will be physical. Which is in line with the rest of the local chapters on the map. I volunteered to be the coordinator because there seems to be an interest to meet up. Thanks for volunteering. How did you find out that "there seems to be an interest to meet up"? There is this index in...
by RandomWalking
Thu Feb 25, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Singapore Index Investing
Replies: 2
Views: 560

Re: Singapore Index Investing

Hi Smalkmus, As Max.T mentioned, Infinity may have high costs e.g. sales charge. Personally I think low cost Ireland domiciled ETF tracking an index is recommended for the Singaporean investor (by Bogleheads.org forum posters in general). However, there is an alternative. If you have sufficient mone...
by RandomWalking
Tue Feb 23, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

To be frank, i have some EIMI(around 10% of my equities) and have been thinking if this was the right move when our own local STI index starts to become very correlated with emerging market in 2015. The thing is, you know about Mr Bogle's argument why American should not hold foreign stocks right? ...
by RandomWalking
Tue Feb 23, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

Have you considered using Interactive Brokers (IB) as a broker in your evaluation of brokers? I noticed that IB is recommended quite frequently on the Bogleheads.org e.g. for purchase of Ireland-domiciled ETFs. No I haven't! Can you use this IB to compare Singaporean brokerages? It is one of those ...
by RandomWalking
Tue Feb 23, 2016 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

Let me know if you want the table with the exact figures and costs I'll send it to you. Please send me the table with the exact figures and costs. Thanks. I'm really happy to hear that there won't be stamp duties! I wonder why OCBC advertises it (0.5% for Luxembourg, 1% for Ireland). There's someth...
by RandomWalking
Mon Feb 22, 2016 4:51 am
Forum: Investing - Help with Personal Investments
Topic: SPY [looking for help with investing strategy]
Replies: 5
Views: 681

Re: SPY [looking for help with investing strategy]

john94549 wrote:One curious factoid about SPY is the delayed re-investment of dividends. Unlike my other ETFs in my trading account, SPY doesn't re-invest until a month (or so) after the end of each quarter.

How can you tell or detect that there is about a one month delay in the re-investment of dividends for SPY?
by RandomWalking
Sun Feb 21, 2016 2:52 am
Forum: Investing - Help with Personal Investments
Topic: VUSD vs. CSPX - which S&P 500 ETF is better?
Replies: 13
Views: 1996

Re: VUSD vs. CSPX - which S&P 500 ETF is better?

(I couldn't find listed turnover rate on CSPX, vanguard shows a 5% turnover rate.) I checked that CSPX has a turnover rate of 16%. How does a difference of turnover rates between ETFs affect the preference for one ETF over the other? For example, does 5% vs. 16% turnover rate mean one should prefer...
by RandomWalking
Sun Feb 21, 2016 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Cost of ETFs? [Safety of SAXO Capital broker?] [Hong Kong]
Replies: 4
Views: 432

Re: Cost of ETFs? [Safety of SAXO Capital broker?] [Hong Kong]

There is no stamp duty for Ireland domiciled ETFs from my experience. I have bought VUSD in the past and there was no stamp duty. I think there should be no stamp duty for VWRL and VUSA as well. Why did you decide to accumulate VWRL and VUSA instead of VWRD and VUSD respectively? The dividends for t...
by RandomWalking
Sat Feb 20, 2016 3:56 am
Forum: Investing - Help with Personal Investments
Topic: VUSD vs. CSPX - which S&P 500 ETF is better?
Replies: 13
Views: 1996

Re: VUSD vs. CSPX - which S&P 500 ETF is better?

According to the stock chart shown on CSPX Information, CSPX outperforms its benchmark S&P 500 by a positive fraction of a per cent. How is this possible?

I thought an ETF would always underperform the benchmark index it is tracking because of total expense ratio, etc.
by RandomWalking
Sat Feb 20, 2016 3:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

Either way, I'm just looking for ETFs that automatically reinvest dividends, whether physical or synthetic, so that I don't have to lose a cent in total returns because of dividend tax and fees. I think for "accumulating" ETFs there is still a dividend tax (at source called Tier 1 tax wit...
by RandomWalking
Fri Feb 19, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: VUSD vs. CSPX - which S&P 500 ETF is better?
Replies: 13
Views: 1996

Re: VUSD vs. CSPX - which S&P 500 ETF is better?

0. Why S&P 500 index instead of total US market index? (Just wanted to see if you gave the total market index any thought.) Because I am NRA (non-resident alien) and advised to use Ireland domiciled ETFs by Bogleheads forum, I can only use S&P 500 index as proxy to total US market index. I ...
by RandomWalking
Fri Feb 19, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boeing?
Replies: 45
Views: 2612

Re: Can someone help me Mimic the 3 Fund Portfolio (Total Stock, Inter., Bond) that I can choose at my company from Boei

Fieldsy1024 wrote:If you are doing right 85% of the time, it is fine....something like that :)

How do you measure or estimate the percentage of rightness? How do you know you're 75% or 85%?
by RandomWalking
Fri Feb 19, 2016 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: VUSD vs. CSPX - which S&P 500 ETF is better?
Replies: 13
Views: 1996

VUSD vs. CSPX - which S&P 500 ETF is better?

If an investor can buy and hold shares of a S&P 500 ETF, which alternative VUSD or CSPX is better to purchase for a non-US person? VUSD is the Vanguard S&P 500 UCITS ETF. CSPX is the iShares Core S&P 500 UCITS ETF. VUSD Fact Sheet: m CSPX Information CSPX Fact Sheet CSPX KIID CSPX Prospe...
by RandomWalking
Fri Feb 19, 2016 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

I have bought 1 share of an Ireland-domiciled ETF per trade on LSE in the past. The stamp duty is specified when one places the trade order. ... Presumably you meant 'trading fee' rather than 'stamp duty' here? The trade transaction amount comprises various portions including total amount for ETF a...
by RandomWalking
Fri Feb 19, 2016 4:05 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

... and 1% stamp duty on Irish domiciled securities. I think the 1% stamp duty is waived or not applied for Irish domiciled ETFs. There is a web page on LSE website that mentions this but I cannot recall the link. Incidentally, is there a minimum board lot size for ETFs on the LSE? Can you buy 1 sh...
by RandomWalking
Thu Feb 18, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]
Replies: 48
Views: 4457

Re: Help with portfolio: Lazy 2/3 fund portfolio [Singapore]

Ireland/Luxembourg domiciled are a good idea but the brokerage fees of London stock exchange ETFs are prohibitively high for me. May I enquire what are brokerage fees of LSE ETFs you are looking at that are considered high? You may be able to get lower fees if you look for alternative brokers. Plea...
by RandomWalking
Thu Feb 18, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: is there a risk of an ETF bubble?
Replies: 12
Views: 2146

Re: is there a risk of an ETF bubble?

VTI ETF is a US-domiciled ETF. Perhaps I should elaborate that I'm looking for Vanguard Total Stock Market Index Fund or ETF that is domiciled in Ireland or Luxembourg. I think the Boglehead forum advises to invest using Ireland-domiciled or Luxembourg-domiciled ETFs. I cannot find Total Stock Marke...
by RandomWalking
Wed Feb 17, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: is there a risk of an ETF bubble?
Replies: 12
Views: 2146

Re: is there a risk of an ETF bubble?

The key point which you need to fasten onto in your own thinking is that the core Bogleheads philosophy does not just recommend "index ETFs" or "index funds." It recommends a core of total market index funds. For example, it does not suggest any index fund, nor does it suggest a...
by RandomWalking
Sun Feb 14, 2016 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio without Int'l
Replies: 10
Views: 1047

Re: 3 fund portfolio without Int'l

@sunnywindy,

In your chart, does International mean only developed countries (excluding USA) or does International mean emerging markets plus developed markets (excluding USA)?

Thanks.
by RandomWalking
Sun Feb 14, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio without Int'l
Replies: 10
Views: 1047

Re: 3 fund portfolio without Int'l

John Bogle has a personal 2 fund investment portfolio. No international. Just 50% Total Stock Market and 50% Total Bond Market.
Simply simplicity :sharebeer
by RandomWalking
Sun Feb 14, 2016 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Why is Total Assets of S&P 500 ETF Decreasing?
Replies: 4
Views: 1164

Re: Why is Total Assets of S&P 500 ETF Decreasing?

Can there be a net inflow into an ETF and yet the Total Assets of that ETF can decrease? For the link you provided, it was reported that for flows for 02/05/2016 - 02/11/2016, the SPY SPDR S&P 500 had net flows of 5,927.36. It was reported "In fact, the SPDR S&P 500 (SPY | A-98) was the...
by RandomWalking
Sat Feb 13, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Total Assets of S&P 500 ETF Decreasing?
Replies: 4
Views: 1164

Why is Total Assets of S&P 500 ETF Decreasing?

Why is the Total Assets of a S&P 500 ETF decreasing? A few weeks ago, the Total Assets of a particular S&P 500 ETF was in the USD 12+ billion range. Recently, the Total Assets was about USD 10.89 billion. Why is it decreasing? Where did the USD 1+ billion go? Are there less shares of the ETF...
by RandomWalking
Tue Feb 09, 2016 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Participating Regular Premium Endowment Insurance Plan
Replies: 6
Views: 855

Re: Participating Regular Premium Endowment Insurance Plan

The Total Distribution Cost of PruWealth endowment insurance plan is about 8.3% of the total premiums paid. The costs include cash payments in the form of commission, the cost of any financial advice provided to the life assured, costs of benefits and services paid to the distribution channel. Any B...
by RandomWalking
Mon Feb 08, 2016 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Is CD an investment or savings?
Replies: 17
Views: 1511

Is CD an investment or savings?

Is a CD an investment or savings? (A fixed deposit is the financial term for a CD in my country.) The financial consultant at a bank told me that I should not mix investments and savings. That is, the investment portion and the savings portion must be separate. However, the financial consultant insi...
by RandomWalking
Sun Feb 07, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Eastspring Investments fund manager
Replies: 3
Views: 495

Eastspring Investments fund manager

What do you think of Eastspring Investments fund manager? This fund manager claims that "about two-thirds of all Eastspring funds outperformed their benchmark or achieved peer ranking within the top-two quartiles on a rolling three year period." Here is an Overview of Eastspring Investment...
by RandomWalking
Sun Feb 07, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: GERMANY specific questions on Life Insurance and Pension Plans - I think my advisor got me into a big mess...
Replies: 7
Views: 1219

Re: GERMANY specific questions on Life Insurance and Pension Plans - I think my advisor got me into a big mess...

Are these participating regular premium endowment insurance plans? My understanding is that the (guaranteed) surrender value will be less than the total premiums paid if the life assured cashes out before the maturity date (which appears to be 2052 and 2053 in your case). Because your policies have ...
by RandomWalking
Sat Feb 06, 2016 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Participating Regular Premium Endowment Insurance Plan
Replies: 6
Views: 855

Re: Participating Regular Premium Endowment Insurance Plan

The insurer is Prudential. The financial consultant illustrated a few endowment insurance plans including PruWealth. Quoted from Prudential: PruWealth is a participating regular premium endowment insurance plan. It is a long term wealth accumulation plan which matures when the life assured reaches 1...
by RandomWalking
Sat Feb 06, 2016 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: The $250,000 Question
Replies: 19
Views: 4763

Re: The $250,000 Question

How about a participating regular premium endowment insurance plan?
by RandomWalking
Thu Feb 04, 2016 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Participating Regular Premium Endowment Insurance Plan
Replies: 6
Views: 855

Re: Participating Regular Premium Endowment Insurance Plan

BL wrote: Investments and insurance should never be mixed, either. The financial consultant is saying investments and "savings" should never be mixed. She did not refer to insurance though. She is "selling" the endowment insurance plan as a regular "savings" plan. The ...
by RandomWalking
Wed Feb 03, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Participating Regular Premium Endowment Insurance Plan
Replies: 6
Views: 855

Participating Regular Premium Endowment Insurance Plan

What do you think of participating regular premium endowment insurance plans? The financial consultant at a bank told me that investments and savings must be separate. Therefore, she encourage me to use some of my available cash to purchase regular premiums in an endowment insurance plan instead of ...