Lesson learnt to be passed on to my children. Buy Term for protection and invest the difference for return. I believe that we are the only person that truly care about our investment; and definitely not the so-called money managers, who work for salary and they are not your "Dad". They are not going to ensure you that you get "rich" or say sorry you get "Poor".
We should put in the best effort to increase our FQ and invest the rest of money.
Few days ago, I reminded my two elders that their father is still their best FA, and listen to nobody else.
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