104054049 : If purchase thru insurance company u will pay n get some insurance coverage  and probably incur agent commission as well
Buy direct if you targeting dividend yield and return only
Brought direct from Endowus with no sales commission n get 0.6% cash back from 1.5% pa fund mgmt fee Need to paid 0.3% holding fee but still gain 0.3%

104054049 : Go to fund website can get more detail
allianzgi.com/e...