u/Kev100xx100

UBL Retirement Savings Fund vs UBL Life / Bancassurance plan

So I opted for ubl retirement savings funds yesterday. My account is still processing.

today I met a ubl bank officer who said I should opt the insurance plan as it will pay out 1 crore at the end of 20 or 25 years with yearly 1 lakh investment. It sounded a bit shady.

Anyone here who has good experience with these ubl schemes of long investments??

I am thinking of investing in ubl retirement saving fund/ pension scheme.

Does anybody have any expectations with it.

I read that it pays a lot over time like 10 or 20 years.

Forgive me for being a noob