Insurance ang VUL. Insurance na nilagyan ng mutual fund para lang mas lumaki ang value. Don't think of it as an investment. Instead, look at it as future protection for your family should you bite the dust earlier than expected.
MP2 naman, stuck for five years. May listahan ang PAG-IBIG ng mga dahilan para tanggapin ang early withdrawal ng MP2 mo.
Kung kailangan mo ng liquid na investments na walang masyadong losses, go for bank savings or money market funds.