Saving Type 1

I told my friend this 
We have this “NEW Close-ended Fund”
If you save with us Rm38,000 yearly over 10 years
We Guaranteed you and family that
1st to 10th year - Guaranteed Income Rm4000 yearly
11th to 20th year - Guaranteed Income Rm8000 yearly
21th to 29th year - Guaranteed Income Rm12000 yearly
We will pay this amount out to you or your family member yearly
If you want to earn more from this payout money,
We welcome you to save back with interest 4.8% yearly.
Amazingly this accumulation over 30 years ended up Rm400k++
End of year 30th, you can take away with Rm900k++ Tax free

He question me with this🖐🖐
1 - I can put this money into FD
YES, you can, BUT
Do you have the discipline to continue that habit for 10 years with the same amount?🤞

2- I can put this money into investment
YES and BUT
Can you earn that much compared to a fund manager who from a multinational company manages this fund for you?🤞🤞
At the end of year 30th, can you assure the money is still there for you?🤞🤞🤞

He kept quiet, 👨
I told him, above is just an appetizer, the main course like this

✅ Best 1
If you choose an option to save a lump sum, we give you some discount with the same end result of saving taken back.

✅ Best 2
You can take back some premium if a certain year you need some money to spend when you choose the option of saving a lump sum.

✅ Best 3
You can make your saving free in this 10 years if you face some unfortunate event like suffer from Critical Illness or Total Permanent Disability

✅ Best 4
If you pass on, your next person will take over this savings without needing to go through any estate frozen. Your family still enjoying all the benefits and end amount paid to them,

✅ Best 5
Your savings definitely will continue without any hiccup even if you are no longer here anymore.

✅ Best 6 
Your savings can aim for your loved one for a certain defined age to gain this Big Sum without worrying too early for them to spend this money.

Which saving or investment have this?
More Benefits & Best of the Best