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Generally, insurance companies will tend to offer a guaranteed rate of return, which by the very nature of risks taken are low.

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When are insurance investment policies, unit trusts good investment options?

Last week I received an interesting inquiry from one of the regular readers of this column to kick off the year. She, however, requested me not to reveal her personal details. Well, you raised quite some fundamental investment concerns that would be of public interest particularly to those above 30 years to 45 years.

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