In the S&P website, the ILP funds of NTUC Income give a higher return than similar funds managed by other insurers. The difference is about 2 percent per annum.
Is it because NTUC Income fund managers were more skilled or perhaps more lucky? I do not think so.
The most likely reason is that our funds have lower costs. Dr Money has made an analysis of the cost. It is posted in his website, www.askdrmoney.com.
If you invest $100,000 for 10 years, what is the difference of 2% per annum in yield?
It is $34,000. This is the difference between earning 5% and 7% per annum. Yes, it is a lot of money. Yes, you can earn $34,000 more by investing with NTUC Income (and earn a 2% higher return), due to our lower charges.
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