there is one thing lousier than endowment plan in this world. it is call CPF. it is not planning for retirement, its planning for life after death. guys, remember to burn my CPF money to me after withdrawing (finally) upon my death k? lets not waste our dear government efforts in helping us save for our high quality of living standards after death.
oh, and if you thought insurances are all cheats, wait till you see that medi-save-while-you-die plan and medi-shield-made-of-paper plan.
"how do you secure the future when you cannot even survive the present?"
-quoted from i-cant-remember-who
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