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Openai/693d9381-2330-8009-a7bb-7ef5e9777a3f
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==== 5οΈβ£ β18% interest for another 10 yearsβ π©π©π© ==== This is the BIGGEST RED FLAG ===== β Why this is NOT realistic: ===== * No licensed takaful or insurance product in Malaysia guarantees 18% * Even illustrated returns rarely exceed 8β10% * Bank Negara regulations do not allow guaranteed high returns ===== What this might actually mean: ===== One of these: # Cumulative illustrated return, not annual # Internal rate of return (IRR) misrepresented # Reinvestment illustration, assuming: - All payouts reinvested - Strong market performance # A sales tactic mixing multiple projections π If 18% were real and guaranteed: * EPF, insurers, and banks would all be obsolete * It would violate financial product regulations
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