In today's fast-paced world, our life goals are constantly evolving. Whether it's supporting your child's education, planning for a comfortable retirement, or leaving a legacy for your loved ones, having a flexible financial plan is crucial . The AIA Smart Wealth Builder Series, comprising AIA Smart Wealth Builder and AIA Smart Wealth Builder (II), offers a versatile solution to help you save for your changing life goals while building long-term wealth.
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The AIA Smart Wealth Builder Series is a savings plan designed to help you accumulate wealth over the long term while providing the flexibility to access your funds when needed. It's not just a savings account; it's a comprehensive financial tool that combines savings, potential returns, and life protection in one package.
Earn guaranteed cash value and non-guaranteed bonuses up to age 125 . Potential for higher returns over time.
100% capital guaranteed from as early as the end of the 13th or 15th policy year, depending on the plan and currency chosen.
Choose from single premium, 5, 10, 15, or 20 years payment terms. Tailor the plan to your financial situation.
Save in either Singapore Dollars (SGD) or US Dollars (USD).
Option to let your wealth accumulate or make withdrawals to fund key goals.
Coverage against death, total and permanent disability, and terminal illness.
| Age | What suggestion covers | Premium |
|---|---|---|
| 35, Female making $3,570 a month | projected returns at age 55 $53,186 | $200 |
You pay premiums for your chosen term (single premium, 5, 10, 15, or 20 years). Your money grows through guaranteed cash value and non-guaranteed bonuses .
AIA Smart Wealth Builder (USD): 100% capital guaranteed from the end of the 13th policy year. AIA Smart Wealth Builder (II) (SGD): 100% capital guaranteed from as early as the end of the 15th policy year.
You can choose to let your wealth accumulate or make withdrawals when needed. Option to change the insured person (e.g., from parent to child).
Life coverage up to age 125. Total and permanent disability coverage up to age 70.
Let's look at how the AIA Smart Wealth Builder (II) plan works through an example:
Mr. Chew, age 30, purchases AIA Smart Wealth Builder (II) with a yearly premium of S$6,000 for 5 years. He also appoints his newborn son, Jason, as the secondary insured.
Policy Milestones:
This example illustrates how the plan can adapt to different life stages and potentially grow your wealth significantly over time .
Single Premium: Pay once and you're done. 5, 10, 15, or 20 years: Spread your payments over time.
AIA Smart Wealth Builder: Available in USD. AIA Smart Wealth Builder (II): Available in SGD.
Accumulate: Let your wealth grow over time. Withdraw: Access funds for major life events (e.g., education, retirement).
Appoint a spouse or child (below age 16) to ensure policy continuity.
Long-term wealth accumulation potential
Capital guarantee feature
Flexible premium payment options
Withdrawal flexibility to meet changing needs
Life protection included
No medical questions asked
Early termination may result in losses
Returns are not guaranteed and depend on fund performance
Total and permanent disability coverage ends at age 70
AIA Smart Wealth Builder Series offers potential for higher returns, life protection, and long-term wealth accumulation , unlike a typical savings account.
The premium payment term is fixed once chosen. It's important to select a term that suits your long-term financial plan.
You can make withdrawals, but it may affect the long-term value of your plan and the capital guarantee.
No, the bonus is not guaranteed and depends on the performance of the participating fund.
Yes, you can purchase this plan for your child and name yourself as the secondary insured.
The AIA Smart Wealth Builder Series offers a flexible and potentially rewarding way to save for your changing life goals while building long-term wealth . Its combination of potential returns, capital guarantee, and life protection makes it an attractive option for those looking to secure their financial future.
However, as with any financial decision, it's crucial to consider your personal circumstances, risk tolerance, and long-term objectives. While the plan offers many benefits, it's also a significant commitment that requires careful consideration.
Ready to explore how AIA Smart Wealth Builder Series can fit into your financial plan? Don't rely on just one perspective . Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on how this savings plan could work for you. These professionals will review your specific financial goals and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of how this plan could fit into your overall financial strategy. Don't leave your financial future to chance – get the expert advice you deserve today.
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