Not really trueI have a whole life insurance policy with Manulife since 2005 and my premium is around 3500 and every year when I get the account statement, the dividend is more than 400 so I feel the return rate is above 10%. (However this year 2009, Manulife does not seem to do very well because of the current economy, and I am waiting to see how it goes when I receive my account statement at the end of the year)
-yh_abc(yh_abc);
2009-8-14{402}(#5484512@0)
The only suggestion I want to give isto go to the library and find a book(s) in personal finance. A guy have to say something right if he want his book published. Any verbal talk, phone conversion, posts in the forum and like can be considered as reference ONLY. Then you can make a knowledgeable decision.
-jameschen6(梦想农庄 － 今年草坪);
2009-8-14{270}(#5485228@0)
My two cents, ＵＬ对一般的工薪阶层意义不大，ＴＥＲＭ是最经济的选择。如果你和你ＬＧ两个人保２０Ｗ的ＴＥＲＭ，按每年５００到６００的保费（200~300 / 人），你可以把另外的３４００ ～ ３５００ 放到ＴＦＳＡ, 我觉得这样投资更make sense.
-icegreentea(冰绿茶);
2009-8-16(#5487084@0)
When u buy 保险, your goal should be not a JUICY PAYBACK, the right way to
buy 保险 is in the hope you will never have to use it. it's RISK MANAGEMENT.
-tiantian63(tian);
2009-8-15(#5486122@0)
Term Life 还是permanent ??? Our insurance needs are CONSTANTLY changing, As such, it makes a lot of sense to stop paying premiums on certain policies as you don't need them anymore.
and BUY new policies to manage the potential risks ahead of you.So....while using a universal life policy as an investment tool doesn't make sense when you're young. a term life policy is THE BEST choice at that stage.
-tiantian63(tian);
2009-8-15{156}(#5486112@0)