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Each factor in the decision to buy the Unit Linked investment has a question that you have to answer. The question is whether you would like to have a life insurance fund or not. If there is enough life insurance fund, no need for additional life insurance, and would like to focus on investment, it would be better to invest directly. If you would like to have life protection as well, it is perfect for you
Consider first what is the appropriate insurance money amount to assess the proportion of insurance premiums paid for life and investment, as well as additional health insurance contracts such as hospitalization, treatment, or compensation caused by serious diseases, etc.
Investment portfolios should be risk-diversified in line with risk-taking capabilities. The cash value of investment will depend on returns from investment portfolios and cash values will also fluctuate in line with portfolio performance so that there will be no further losses.
Unit Linked Investment can choose investment assets and investment proportions in line with the purpose of investment. Even if you invest on your own, each investment will be very complex which is not suitable for new investors and needs to be recommended.
Unit Linked investment may be held until the end of the contract, or the amount of cashback before the contract is completed. Therefore, the investment period should be adjusted according to the appropriate proportion of the investment.
Before entering the investment industry, investors must study information about the assets they are going to invest in, economic mechanisms, and the timing of entering the market. Self-study enables them to invest more effectively when they find enough information.
Self-discipline in planning and risk management is a good discipline. It also helps establish a clear investment style to achieve goals, which is better than continuing to invest without goals in the future.
Self-investment is more flexible and can still be tried and tried in various ways depending on the preference of each individual. However, investment will not be diversified into various assets because investors prefer to invest in assets they understand.
With self-investment, you can set your initial investment and know your limit. Choose how much you want to invest, either continuously invest by using the DCA method, or invest once with a lump sum of money. Unlike the investment via the system where investors do not have to share their investments by themself because there is a system to manage that investment.
Hopefully, it will be useful in considering investment options. This is just an illustration of the comparison from a real-life perspective. If it is useful and appropriate, investment plans and risk analysis must be carried out to avoid losses.
References from finnomena/set/wealthmagik
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