Have you ever wondered how you'll fund your golden years? Whether you're dreaming of traveling the world, pursuing a passion project, or simply enjoying a comfortable lifestyle, planning for retirement is crucial . But with so many options out there, how do you choose the right plan? Enter AIA Retirement Saver (IV), a flexible retirement savings plan designed to adapt to your unique needs and dreams.
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AIA Retirement Saver (IV) is a customizable retirement savings plan that allows you to tailor your financial strategy to your specific retirement goals. Unlike one-size-fits-all solutions, this plan offers the flexibility to adjust key factors such as when you start receiving income, how long you receive it, and how you pay your premiums. It's designed to fit your life, not the other way around.
Tailor your plan by choosing when to start receiving retirement income (as early as age 50), deciding how long you want to receive income (15 or 20 years), and selecting a premium payment term that suits your financial situation.
Receive a steady, guaranteed income stream to supplement your CPF savings.
Your total premiums paid are guaranteed at your selected retirement age , providing peace of mind.
Enjoy potential monthly dividends that increase by about 5% each year , helping to combat inflation.
Potential yield of up to 4.17% p.a. upon policy maturity .
Start your retirement plan without the hassle of medical examinations.
Customize Your Plan: Choose your retirement age, income payout period, and premium payment term.
Pay Your Premiums: Contribute based on your chosen payment term. Your capital is guaranteed at retirement age if all premiums are paid.
Reach Retirement Age: Start receiving your guaranteed monthly income.
Enjoy Additional Benefits: Receive potential monthly dividends that increase yearly and a possible lump-sum terminal dividend at the end of your policy.
Wants retirement income from age 65 for 20 years. Pays premiums over 15 years (Total: S$207,150). At age 65, starts receiving guaranteed monthly income of S$1,000 (Total: S$240,000 over 20 years) plus potential additional income from dividends of S$137,810. At age 85, receives potential lump-sum terminal dividend of S$149,360. Total potential yield at maturity: 3.68% p.a.
Wants retirement income from age 65 for 15 years. Pays a single premium of S$158,710. At age 65, starts receiving guaranteed monthly income of S$1,000 (Total: S$180,000 over 15 years) plus potential additional income from dividends of S$61,630. At age 80, receives potential lump-sum terminal dividend of S$63,140. Total potential yield at maturity: 3.52% p.a.
AIA Retirement Saver (IV) offers optional riders to protect your retirement savings:
1. Critical Protector Waiver of Premium (II): Covers 72 major stage critical illnesses and waives future premiums if you're diagnosed with a covered illness.
2. Early Critical Protector Waiver of Premium (II): Covers 149 multi-stage critical illnesses and waives future premiums even at early stages of critical illnesses.
For example, Dave could add the Critical Protector Waiver of Premium (II) rider for just S$1.95 a day, ensuring his plan continues even if he's diagnosed with a covered critical illness.
Highly customizable to fit individual needs
Guaranteed monthly income in retirement
Capital guaranteed at retirement age
Potential for growing dividends to combat inflation
No medical check-up required
Premium deferment option in case of retrenchment
Dividends and terminal bonus are not guaranteed
Early termination may result in significant losses
Limited flexibility once the plan is set up
It's best to carefully consider your choices at the start, as changes may be limited once the plan begins.
The Premium Pass Option allows you to defer payments for 12 months if you're retrenched.
No, dividends are not guaranteed and depend on the performance of the participating fund.
Early withdrawals may be possible but could significantly impact your benefits and may incur charges.
Your beneficiaries will receive the remaining guaranteed retirement income and any applicable dividends.
AIA Retirement Saver (IV) offers a flexible and personalized approach to retirement planning . Its customizable features allow you to create a plan that aligns with your unique retirement goals and financial situation. The guaranteed income, potential for growing dividends, and capital guarantee at retirement age provide a solid foundation for your golden years.
However, it's important to remember that some benefits, like dividends and the terminal bonus, are not guaranteed. Additionally, as with any long-term financial commitment, early termination could result in significant losses.
Before making a decision, it's crucial to carefully consider your long-term financial goals, risk tolerance, and overall retirement strategy. While AIA Retirement Saver (IV) offers attractive features, it's just one of many retirement planning options available.
Ready to explore your retirement planning options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on retirement savings plans . These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible for your golden years.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best strategy for your retirement dreams. Don't leave your future to chance – get the expert advice you deserve today.
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