Education savings — endowment plan vs just investing in ETFs?
B
Bernice
Posted Apr 27, 2026
Starting to think about education savings for our 8-month-old. Banker recommended an endowment plan ($300/month for 18 years). Guaranteed payout around $80k at 18. But I'm wondering if the same $300/month invested in a low-cost index ETF (like IWDA or STI ETF) would outperform over 17 years. Anyone done the comparison? The endowment gives certainty but the fees feel high. Any financial planners in Singapore you'd recommend who give fee-only advice?