I don’t think there is much you can do. The non-guaranteed components are all projections based on the performance of the underlying investments. You shouldn’t be checking the performance of the company, but the performance for the par funds that your endowment is vested in.

There should be a yearly bonus (which is declared every year) as well as a terminal bonus. If you track the yearly bonus and compare it to the projections, you should roughly know whether your endowment was on track to meet the projections.

Need your advise on this. In 1997, I purchased a 15 years saving endowment from a finanical institution in Singapore. [from Canada] It is the CPF Enhanced Investment Scheme [EIF]. Few weeks ago, the policy matured and there is a shortfall of $25k i.e. $25k less than what was shown in the Benefits Illustration table in 1997. I fully understand there is a non-Guarantee component but to have a deviation of $25k seems fishy. I checked the company performance since 1997 and they have been doing well until 2010 which showed a hugh loss.

I have spoken to the company’s customer service last week and presently waiting for their reply. Do you think I should just forget it and let it go?

This is my favorite blog 🙂

Gosh how time flies. I will like to thank you for allowing me to link to your articles and I have also learn a lot from you.

To our next milestone of 10yrs!

Cheers!