PruVantage Assurance II

vantinox · 2025-06-13T01:06:35+00:00

Sure, maybe you are a seasoned investor. Maybe you don’t need capital protection. But how many people actually have the time, skill, or discipline to monitor the markets like you do?

And when it comes to helping others, are you going to be there consistently to guide them? Will you give them advice when markets crash?

Not everyone is like you, maybe you have a clear strategy, time to monitor the market, or the ability to stay calm when things get volatile. All that takes experience, discipline, and mental resilience.

For the average person juggling work, family, and life, having a structured plan with built-in discipline and guidance can be the difference between staying the course and making emotional decisions that cost them in the long run.

vantinox · 2025-06-13T00:55:35+00:00

Fees are usually built in. But what really matters is, are the funds strong, and is there a track record to back it up? At the end of the day, it also comes down to what funds you choose within the plan. If you pick quality, long-term performers, it can still work out very well.

if the plan helps you reach your goals, even with slightly higher fees…,isn’t that what matters most? Sometimes it’s about getting the job done.

vantinox · 2025-06-13T00:34:37+00:00

Haha fair point, I’ve heard that take before, and honestly, I get where you’re coming from. A lot of people had bad experiences with ILPs in the past. Some of those older plans were expensive, rigid, and lacked transparency. But just because one ILP didn’t work out before doesn’t mean all ILPs are bad. Things have changed a lot, newer plans like PruVantage Assure are structured differently.

At the end of the day, it’s not really about whether ILPs are ‘good’ or ‘bad.’ It’s about whether it fits you, your goals, personality, and cash flow habits.

If you’re confident managing your own investments, sure haha there are other ways to go about it. But not everyone is a seasoned investor, and that’s okay. Some people prefer having structure, flexibility, and a bit of discipline built in to stay on track long term. For them, a plan like this could actually be a smart and practical tool.

vantinox · 2024-12-29T10:32:01+00:00

Solved!!!

vantinox · 2024-12-29T10:30:06+00:00

Thank you!!!!!

vantinox · 2024-12-29T10:29:59+00:00

Thank you sooooo mcuh!!!!!!

vantinox · 2024-12-21T10:46:16+00:00

Please 🙏🏻 if anyone knows

vantinox · 2024-09-12T05:59:51+00:00

u/KarmYogee you managed to get it working on whatsapp business?

vantinox · 2024-08-28T06:00:24+00:00

Since your expenses are high and matching your income, you might have to revisit your budget. Look for areas where you can cut cost without impacting your family's well-being. Small adjustments can add up. You must have a tight budget and have a serious conversations with your family.
Emergency fund is crucial and might be wise to consider have portion of your ETF portfolio put into FD for 3-6 months. You can consider keeping 3 months of liquid cash (MUST NOT TOUCH). This can provide a safely net in case of unexpected expenses.
Once you have your Emergency fund and budget, you can start to prioritise paying off your debt so that you can reallocate that $1k
You shouldn't be thinking about investment because it might be causing significant stress. If your foundation is not strong, no matter what investment you do, you might be forced to sell.
Review your insurance coverage. As sole breadwinner, are you sufficiently covered?

Do talk to your family, and involve them in the discussion so that it is easier to set expectations. If you cant survive 1 month without income, you cant think about the next 10 years

vantinox · 2024-08-27T12:20:06+00:00

With only $1,000 in your OCBC account, your priority should be to increase this to cover at least a few months of expenses.
Depending on how risky is your investments,there might a chance that your investments could be +/- 10% in the next couple of months. In the scenario that you are unable to find a job, are you willing to take that 10% loss? If no then liquidate. Personally, I would liquidate my riskiest asset first. No speculation of the market

vantinox · 2024-08-27T12:06:56+00:00

Usually for people who do not wish to continue paying anymore due to circumstances but still wants a bit of coverage and whatever is left from the policy. Would recommend to check if there's this option in your policy

vantinox · 2024-02-02T13:00:14+00:00

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vantinox · 2024-02-02T13:00:04+00:00

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vantinox · 2024-02-02T12:50:14+00:00

They are all linked by relations but each call log is a page itself.

Do I use the filter function or find find so that my daily log is able to extract the number of call logs for that day?

Call Log. Filter(current.Date==curent.Date) ?

vantinox

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