When you are dating, you are always so excited with your partner. That feeling of emotions run high. After married, you realised that your partner didn't tell you 99% of the real him (or her). You discover all the rubbish behind the scene. But you are committed. Love becomes a choice and no more a feeling. Those who rely on feeling ends up in divorce. Those who decide to choose to stay on will stay on. Only unconditional love will prevail. It is the same as ILP. When it was first presented to you, it sounds so good and you fell in love with it (or the adviser?). That is why you were willing to sign on the dotted line. After buying, you realised that 99% of the real thing was not disclosed to you. If you rely on feelings, you will end up a miserable person. So you need to make a choice to love your ILP unconditionally. As usual, below is a chart that shows that real side of an ILP. Fund A is a bond fund that can be purchased directly while Fund B is an exactly the same fund but bought through an ILP structure. Learn to love your 'wife' ok?
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