basically i guess is the problem of COI , also the return ratio 紅利 had decreased a lot after sars ... or other factor ...as u may check ... the non guarteen part紅利 is much higher then the guarteen part 紅利...
its mean the return rate is seriously affect by the ecomy ....
e.g. 2000-2001 may be can give intrest at 6-7 % but 2006-2007 only give 5-6 , now only ~ 4% ,
so u may c whts happening coz up to age 86 when using compound intrest to caluate is much lowered
I am a manager IN aia
I was a agent in Prudential (保誠) whorking in there ~ 3 years 2003-2006
i guess i can help ...
u may scan the police to me or fax to me ( make sure u had block ur personal data)
after my secretary make a check ...
i will tell u whts happening ....
add or mail me at
[email protected]