Quote Originally Posted by cutedoc View Post
to cut the discussion shorter, these instruments are all of the same, money are pooled and the fund managers are the ones who does the technical tasks.

which one is good which one is better is it VUL, UITF or mutual fund?

well it depends on your personal goals and what you aim to achieve and when you want to have it done.

know what you need and start from there.

and if you need to know more question ask me=)

im an executive financial advisor of AXA =)

salient differences:

VUL : with life insurance factor (percentage of your total placed amount is allocated for protection and death benefits). some insurance companies require you to pay premium on this, while some companies allocation portion of your earnings from the investment part to the premium part.

UITF : straight forward. offered by banks. invest on a per unit basis.
MF : same as above. however, this is also offered by smaller investment companies.

but all of them are invested in the same channels (equities, stocks, bonds, etc.)