1. You're so smart to start yr investment now.
2. Return > inflation.
3. It's good to be aggressive when you're young.
You have no family burden and able to suffer higher risk.
Best of all, you can change yr investment plan at any time. [email protected]
Actually, you should start looking and compare the proformance and charges of the banks and insurance company. I do have a fund charges compare chart of most of the companies. If you need it, please contact me at [email protected]