我仔仔依家歲半, 由佢出世前已經諗住幫佢買份保險&基金...
但係拖下拖下, 到依家都未買....

早前分別約過兩位經紀,
第一位, AIX, 呢個女仔好YOUNG剛入行兩年,
佢介紹俾我既PLAN入場費比較貴 (每月要千幾二千)
我嫌太貴, 所以無買...

最近見第二位, 佢係康X理財中介人身份,
佢俾左個PLAN我, 係"標X人壽 盈聚101"投資計劃...
入場費只係每月$720...
呢個經紀同我講, 保險係任何一間銀行都做到架啦...
我開頭都心郁郁想JOIN佢講既PLAN, 但係黎到呢到先發現, 原來"101"既PLAN有咁多問題.......
我已經唔再信呢個經紀架啦!!

但係....
我應該點樣為小朋友選擇基金&保險呢, 留意乜呢?
我自已當然希望每月$1000攪掂兩樣野...但有無可能呢?
請各位指點!! 謝謝!!

基金: 主要係佢讀書用
保險: (TOUCHWOOD ) 睇醫生住院

請問閣下認為101 plan對你有什麼影響?
或你認為這個plan有什麼問題

u should open a bank account for saving and then buy a term policy for insurance.  no need buy 101 plan.

現在有一些有儲蓄成份的醫療保險, 回報都幾好, 可以儲蓄作教育基金的.
只要十年, 便可有一世的保障, 都幾好ga...

To me, i never buy 基金 funds, which make me lost much money for the past 10 years!

I prefer to buy 2823 have free money + buy one pure "insurance"!
no need to pay the funds guy!

自己種米養雞最抵，又唔見你地話百街米貴雞貴？自給自足啦

人就係咁架啦，下巴輕輕，講自己就天下無敵，又唔見你地抬自己個股票組合出黎俾人評下？ 個個立即龜晒啦。

仲有，做人咁識計數，又唔見慳到個錢，轉過頭有錢身痕咪又係LV、BENZ、股票、買樓、溝女…  今時今日我見唔少先排有景時懶醒的家陣蟹晒去供呢d野囉   不過我知你地d對白，洗落自己度或輸係自己值啊嘛。

睇見d posts話靠自己去儲錢，唔洗講咁多認威認咩，唔該先睇睇自己過去10年剩低d咩野當盤水照照自己先啦。

Hello. If i were you, i would buy a pure medical insurance (without any investment or saving element) from the insurance company. Then you can use the rest to start a monthly investment plan.

If you will continue contribute throughout the whole term, i.e. non-stop trhoughout 15-18 year, and will not decrease the contribution, 101 plan MAYBE a good choice (depends on the fund portfolio the planner choose for you)  

Otherwise, you should consider invest Tracker Fund (2800.hk) monthly through bank.