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well, you can ask me any questions, i'll be delighted to help wad are you concerns? my strategy is 1) 5% of income to protect income. 2) Set your goals, den i offer you solution, 3) reduce retirement age

uddermummy > I agree in term INS and invest the rest. cancanmum > sadly, your ins agent sure know how to squeeze out your money investment market got so many tools, reits, contra, margin, forex, etc... perhaps you can narrow the goals, then think of the strategy or options,

Most importantly, it's all about the money. Plan a budget, Why do you wanna torture yourself for your child?

that's my point, get some one responsible, I recommend 5% on income on protection. Pump you money in investment, shares, reits, etc, diversify or wadever, you'll surely get better returns ask your hubby to contact aviva to ask if he qualify for SAF group insurance my SAF group insurance covers...

huh, you gonna have baby, but your agents dunno??? Don't they call you up for reviews/updates or at least coffee session?

No lah, wad i mean is that all the companies got pros and cons. Compare the companies/products more important or the agent. I feel that if you have a friend, easier mah...

buy some plan so settle the knocks annd cuts first lah.. take care of the practical needs first

screw the insurance companies! at your age don't have any friends that is agent meh... get friend better lah

Alot to buy lor... depend on budget lor... Life.. Illness.. Hospi.. ( can use medisave...not so painful on pocket ) Knocks and cuts ( accident ) Edu... if you still got money ah... Savings plan lor...haha... kids nowadays good life ah... last time where got such things.... I would suggest abit...

seriously, I don't think ur agents are working for you... 1 client 2 agents from 2 different company??...possibly becoming 3... If i'm your agent i make sure everything get from me.. 1 stop shop..settle all your questions and needs..

I would suggest accident plans to treat knocks and cuts...more affordable and practical..Imagining having a cut on baby's hand or foot.. Education..Life...Illness..Hospi also important... see budget lor..