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https://twitter.com/ActusDei/status/1633998920224219136First, flexibility. In insurance you sign up for a multi-year payment plan. Next year you could lose your job or you have some stress in your finances. Your agent will still ask for the premium. Surrendering a plan attracts huge charges. This is a major issue in insurance.
https://twitter.com/amitmantri/status/1630528866820448256I respectfully disagree with the timing issue and PMS having more exposure to small cap. We have focused on 3 and 5 yr - long enough and the best we can do with the patchy data out there (ideally we would've liked rolling returns