Are you worried about having enough money for retirement? You're not alone. Did you know that 2 in 5 Singaporeans are putting more money into investments to secure their retirement? But investing can be scary. What if you lose your money? What if inflation eats away at your savings? That's where AIA Elite Secure Income comes in. It's a unique investment plan that helps you grow your wealth while protecting your capital. Let's dive into the details and see how this plan can help you retire the way you plan, or even better.
Visualize your investment's potential
Use our powerful calculator to project your investment growth
Get accurate estimates of your investment's potential growth
Set realistic financial targets based on projected growth
Evaluate different scenarios to understand potential risks and rewards
AIA Elite Secure Income is the first affordable, capital-guaranteed investment-linked plan in Singapore . It's designed to help you grow your retirement funds confidently, without the fear of losing your initial investment. You can start with as little as $300 a month, making it accessible for many Singaporeans.
Every dollar you put into the plan is guaranteed. This means you can invest without worrying about losing your initial investment.
You can choose to receive monthly income for either 10 or 15 years. This income comes in two parts: Secure Monthly Income (guaranteed and equals 100% of your basic premiums paid) and Target Monthly Income (continues after the Secure Monthly Income period and depends on market performance).
From the 10th policy year and every 5 years after, you get a bonus that boosts your investment. The bonus ranges from 2.5% to 25% of your premium, depending on your payment plan.
Start from just $300 a month. No medical check-up or health questions required.
Your money is invested in AIA Elite Funds, managed by AIA Investments and guided by top investment houses like Baillie Gifford, BlackRock, Wellington Management, and Capital International.
Choose your premium payment term, decide when to start receiving payouts, invest in SGD or USD, use cash or your SRS account, and make regular or one-time top-ups with no cap.
In total, Ronald could potentially receive 4.92 times the amount he paid in premiums!
At age 35, Ronald buys AIA Elite Secure Income (SGD), paying $7,316 annually for 10 years (or $636 monthly). He opts for the AIA Elite Balanced Fund.
At age 38, Ronald makes an extra one-time payment (top-up) of $30,000.
From age 45 onwards, Ronald receives a Power-up Bonus every 5 years.
At age 65, Ronald starts receiving his monthly income: For the first 37 months, he gets a Secure Monthly Income of $2,000, covering all the premiums he paid ($73,160). After 37 months, he continues to receive $2,000 as Target Monthly Income.
By age 80, Ronald has received: Total Secure Monthly Income: $74,000, Total Target Monthly Income: $286,000, Total retirement income over 15 years: $360,000
At age 80, if Ronald decides to end his policy, he gets an extra $331,604.
Both funds are available in USD and SGD.
70% Fixed Income, 30% Equities. Low to Medium Risk.
60% Fixed Income, 40% Equities. Medium to High Risk.
People who want to grow their wealth but are worried about losing money.
Those planning for retirement and want a guaranteed income.
Investors looking for access to institutional-grade funds.
Anyone who wants flexibility in their investment and payout options.
People who want to start investing with a relatively small amount each month.
Capital guarantee protects your initial investment
Affordable starting from $300 a month
Access to institutional-grade funds
Flexible payout and investment options
No medical check-up required
Power-up Bonus to boost your investment
Target Monthly Income is not guaranteed
Long-term commitment (best results when held till retirement)
Limited fund choices compared to some other investment plans
Yes, your capital is guaranteed as long as you keep up with premium payments and don't make withdrawals.
AIA offers a free-look period (usually 14 days) where you can cancel the policy and get a refund.
You might lose your guarantee, but you can avoid the policy lapsing by topping up additional premiums.
Yes, but it may affect your guarantees and future payouts.
Your beneficiaries will receive a death benefit, which is at least 105% of the policy value.
AIA Elite Secure Income offers a unique combination of wealth growth and capital protection. It's designed for those who want to invest for retirement but are wary of market risks. With its affordable entry point, guaranteed capital, and access to institutional funds, it provides a balanced approach to growing your retirement nest egg.
However, like any financial product, it's important to consider your personal circumstances and goals before investing. While the capital guarantee and potential returns are attractive, remember that part of the income (Target Monthly Income) is not guaranteed and depends on market performance.
Ready to take the next step towards a secure retirement? Don't make this decision alone. Get expert advice tailored to your unique situation. Sign up now to receive 5 expert opinions on retirement planning and investment-linked policies. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best plan for your retirement goals. Don't leave your golden years to chance – get the expert advice you deserve today.
By filling this out, you agree to allow us to contact you about insurance related information.
Read the complete transcript of our expert discussion about AIA Elite Secure Income. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Welcome to the deep dive. So, we had a listener get in touch recently—someone just starting their career here in Singapore, figuring out all t
Click above to view the complete podcast transcript
Compare other investment linked plan options to find the best coverage for your needs
AIA Invest Easy offers a unique approach to financial planning by combining insurance and investments into a single, streamlined solution. This innovative product allows you to protect your loved ones while simultaneously growing your wealth, providing a convenient way to address multiple financial needs. Discover how AIA Invest Easy could simplify your financial strategy and potentially enhance your long-term financial security.
AIA Platinum Retirement Elite offers a unique approach to retirement planning with its flexible premium top-up feature. This innovative option allows you to boost your investments as your financial situation improves, potentially enhancing your retirement nest egg. Discover how this adaptable retirement solution could align with your long-term financial goals and provide you with greater control over your future.
AIA Platinum Wealth Elite offers a unique opportunity to build and protect your wealth with access to world-class asset managers. This innovative product is ideal for those looking to secure their financial future while also safeguarding their parents' well-being. With its blend of wealth accumulation and protection features, AIA Platinum Wealth Elite stands out as a comprehensive solution for long-term financial planning.
AIA Platinum Wealth Legacy offers a unique approach to financial planning by combining insurance and investments in a single comprehensive plan. This innovative product allows you to protect your loved ones while simultaneously growing your wealth, providing a dual benefit that many traditional policies don't offer. Discover how this versatile solution could potentially streamline your financial strategy and secure your family's future.
FWD Invest First Max offers a unique approach to investment-linked insurance. What sets it apart is its innovative feature of reducing charge rates over time, which can lead to optimized returns for policyholders. This thoughtful design potentially allows your investment to grow more efficiently as your policy matures, making it an intriguing option for those looking to maximize their long-term financial strategy.
FWD InvestFirst Plus offers a unique approach to wealth building and family protection. What sets it apart is that 100% of your premiums are invested in ILP sub-funds, maximizing your potential for wealth accumulation while still providing essential coverage. This innovative feature allows you to boost your financial growth without compromising on the security of your loved ones.
GE Smart Life Advantage offers a unique approach to life insurance with its Smart Life Guarantee feature. This innovative benefit automatically increases your coverage at key life milestones, ensuring your policy grows alongside your family and changing needs. By adapting to your life's journey, GE Smart Life Advantage provides peace of mind and financial protection that evolves with you.
GREAT Invest Advantage offers a refreshing approach to wealth building, especially tailored for young adults embarking on their financial journey. What sets this product apart is its commitment to flexibility, featuring no lock-in periods, allowing you to adapt your investment strategy as your life evolves. This unique benefit empowers you to start building your wealth on your own terms, with the freedom to adjust your plans as needed.
Explore more: Real customer experiences • Insurance guides • Coverage calculator
Learn about Investment Linked Plan insurance basics or compare Investment Linked Plan policies