Met with a financial planner who was trying to sell some insurance + saving policies to me but then, I can't see so far into the future. 15 years? 20 years? 25 years? And I thought I could do better with my money (with fingers crossed)
I mean, I can't imagine some money taking 15 years to mature and by then, what can I get with a 6-digit figure? and the insurance payout that (touch-wood) is 5-digit ... to be honest, as much as I am satisfied with what I'm getting now, I know that the insurance payout wouldn't keep me fed for 10 years, and do I want to keep looking at the bankbook, secretly delighted with the zeroes piling up for 15, or even 25 years? I think it's horrible, there should be more to life.
Not trying to be arrogant but I have a bad impression of saving policies. '3% or 5% interest' doesn't 'interest' me (not trying to be funny), if my dinner last evening cost $600 for 10-pax, the 3% or 5% interest probably can't treat me to one meal per year. I save because I have something I want to do in my mind and not because of the interest rate, I think I'm too stubborn for a regular 'financial planner' to talk much sense into.
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