Interest rate from bank deposit and Government bonds are at a low level.
The investment choices are:
1. Keep the money in the bank and accept a return of 0.5%
2. Invest in the stockmarket for the long term, and accept the volatility.
Do not invest in a high cost financial product (such as a structured product or an investment-linked policy) as the charges will reduce your yield further.
Read this FAQ about charges:
http://www.tankinlian.com/faq/ilp.html
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