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MIND THE GAP

Endowment plans: watch the caveats

The big question is whether you could do better investing in a diversified portfolio on your own

INSURANCE policies are a mainstay of Singaporeans' savings and protection plans. For those who count on traditional with-profits policies for savings, the plans generally outperform a number of low-risk alternatives, such as deposit rates.

But there are a number of caveats that you should

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