I think you purchased some kind of savings plan, like Friends Provident? AHL is a hedge fund, your broker might show you some fund fact sheet that the past performance was quite good. Bond fund is the other kind of investment, a bit conservative....if you purchased a savings plan, you can diversify your investment, probably choose 4-5 funds.
Bond funds don't mean you can get your capital back at the maturity. It's comparatively less volatile, but also the rate of return is not high or sometimes even have a loss. Also you have to consider the charges that to be levied in your plan, it might not be able to be covered by the return of the fund you chose. If you're kind conversative, then you can put more % in bond funds, but not only one bond funds, there're a lot of different bond funds to be available. Maybe your portion of investment can be something like 30% in equity fund and 70% in bond funds. Or add some % of hedge funds. For me, I also purchased Friends Provident, I choose 4 funds altogether, one of the funds I chose is AHL. Around 30%.
I'm not sure what kind of it, my agent told me that I can switch from one to another at anytime, no charges involved this time.
I purchased it from "Winterthur", the plan is called "SwissPremier" .
Sherman, I think your agent claims herself/himself as working in Credit Suisse, right? Mostly they've a lot of funds to be chosen, for the other plans, they'll set the max. no of funds to be invested is around 10, that means each fund allocation cannot be less than 10%. I believe you can choose more than 1 fund, but not sure the max no. Ask your agent to give you the details of all their internal/mirror funds. If you prefer in putting all your monies in bond funds, at least you should choose couple of bond funds to make your portfolio a bit diversified. We always say don't put all your money in one basket.
I have a similar investment policy with Winterthur. The Policy Admin Fee and Fund Management Charge is the same as yours. In my policy, only part of the premium paid in the first 2 years will be invested in buying the fund. Redirection of future investment allocation is free of charge, but switching your existing fund unit will be subject to 1% fee.
If you are worried about the risk of a single fund, as other have suggested, you should diversify your investment but not to cancel the investment plan.
You must check your policy details before you make your decision whether to cease the existing policy, to switch, or to redirect your investment.
If you understand your policy well enough, you can also compare what you are paying to Winterthur with the charges offered by other investment companies. This is what I am doing now to decide whether I should cancel the policy or not.
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