insurances investment...

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to all you guys and gals out there... :) anyway I had went to make researchs abt investments and savings plans liao... the best and most worth to invest or save in is using dollardex or fundsupermarket or etc. As for insurance company, they do a high sales charges... for e.g. dollardex only do a 1% sales charges and some insurance company are having a sales charge of 5%!!! once u buy from insurance company, you straight away lost 5% of your money liao... what are all your thoughts? come n share share :P