3 thoughts on “Prudential PruSaver Plan”

  1. Hi,

    Don’t mix investment portfolio with insurance product. Get the minimum insurance on your self and build your cash reserve. Don’t tie yourself to too many investment products i.e. mutual fund , insurance savings plan which has a high lock in period and expensive fees. You want to be very liquid so that u can actually invest your lump savings when u spot a golden opportunity i.e. real estate bubble, stock market crash. Be patient.

  2. I am HLA agent.
    To clarify, 5% charges is only for top up premium or premium paid after 6 years.

    For year 1 to year 6, the target premium paid should have a substantial portion goes to distribution cost and administrative expenses.

    Check with your agent how much it is…

  3. Invest in Mutual Fund is a hot-debate issue.

    Some make money, yes. But most people don’t.

    Some say not good but lots of people buy (because they don’t understand enough)

    The charges imposed by the Mutual Fund industry is too high and therefore new investment tool evolved. It is called ETF.

    The charges is lower, much lower.

Leave a Reply

Your email address will not be published. Required fields are marked *