It's like Insurance against Inflations.

Ask any financial planners, and 90% of them will tell you it's investment, or investment linked policies.

Because of the returns projecting at 5% & 9%, they claims that it helps to hedge against inflations. I agree with that to a certain extent.

On average, our inflation in singapore is around 3-4% per year, so a good 5% returns on your investments would be a good medium to hedge against inflations.

Investment linked policies is just another form of insurance against inflations.
Real assets like crude oil, physical gold, real estate and commodities are also used to hedge against inflations.

Physical gold is very interesting, this idea came all the way back during my grandma times, where they know how to buy physical gold and keep them to hedge against inflations.

Talk about making money and tons of them, what make it worse when your hard earned money are depreciating in value because of inflations.

About 50 years ago, anyway, this is my dad's version of 50 years ago, 1 car is only $6000.
And $10 is alot of money.

But $10 now is not enough to even take a cab from lor ah soo to chua chu kang.

Let's say you start saving in your bank account $500,000 for your retirement and 50 years later, your $500,000 is gonna become $_____.

You fill in the gap.

Stop worrying about the non-Guaranteed returns of stocks and funds and start taking a step of faith for a better tomorrow.

But do your homework first and seek an advice from a professional adviser.

and that's me !!!

Thank you !