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Investment Linked Plan

FWD Invest First Max: Accelerate Your Investment Growth with Attractive Bonuses

In today's dynamic financial landscape, finding the right investment vehicle to secure your future is crucial. Enter FWD Invest First Max, a regular premium investment-linked plan designed to accelerate your investment growth. This innovative product offers a unique recipe for success: attractive bonuses, reducing charge rates, and a competitive break-even yield. Whether you're planning for retirement, saving for a major life event, or simply looking to grow your wealth, FWD Invest First Max provides a flexible and potentially rewarding solution to help you achieve your financial goals.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance coverage with investment opportunities, offering a unique approach to financial planning. With an ILP, a portion of your premium goes towards life insurance protection, while the remainder is invested in a range of funds of your choice. The premium allocation varies based on your preferences and the specific policy terms. FWD Invest First Max allows you to select from over 50 funds managed by globally established fund managers, catering to different risk appetites and investment goals. These funds range from conservative fixed income options to more aggressive equity-based investments, allowing you to tailor your portfolio to your risk tolerance and financial objectives. As the policyholder, you have the flexibility to adjust your investment strategy over time, making ILPs a versatile tool for long-term financial planning.

FWD Invest First Max Insurance Coverage

FWD Invest First Max offers essential insurance coverage to protect you and your loved ones. This investment-linked policy provides financial security through its death benefit and total and permanent disability (TPD) coverage. Let's explore the key aspects of the insurance protection offered by this plan:

Death Benefit

Financial protection for beneficiaries. Upon the death of the last person insured in the policy, 105% of the policy value is payable to the beneficiaries.

TPD Coverage

Support in case of disability. While not explicitly mentioned in the provided details, most ILPs typically include some form of TPD coverage. Please consult the policy contract for specific details.

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FWD Invest First Max Investment Component

FWD Invest First Max offers a robust investment component designed to help you grow your wealth over time. With access to a diverse range of funds and flexible management options, this plan allows you to tailor your investment strategy to your specific goals and risk tolerance. Let's explore the key features of the investment component:

Diverse Fund Options

Wide range of choices. FWD Invest First Max provides access to over 50 funds from globally established fund managers, including equity, balanced, and fixed income options to suit various risk profiles.

Professional Management

Expert oversight. Funds are managed by renowned institutions such as Allianz Global Investors, Baillie Gifford, and Fidelity International, ensuring professional investment strategies and risk management.

Flexible Switching

Easy portfolio adjustments. Enjoy unlimited free fund switches, allowing you to adapt your investment strategy to changing market conditions or personal circumstances without additional costs.

Performance Tracking

Monitor your investments. While specific historical returns are not provided, FWD likely offers tools to track fund performance, helping you make informed decisions about your investment allocations.

Fees and Charges

Understanding the fees and charges associated with FWD Invest First Max is crucial for making an informed decision. This plan features a unique structure of reducing charge rates over time, potentially optimizing your investment returns. Here's a breakdown of the key fees and charges:

Initial Account Charge

Reducing rates over time. Starts at 6% p.a. for the first 10 years, gradually decreasing to as low as 3.5% p.a. in later years, depending on the premium payment term.

Accumulation Account Charge

Tiered structure. Begins at 1.6% p.a. for the first 10 years, reduces to 1.4% p.a. for years 11-20, and further decreases to 1.2% p.a. from year 21 onwards.

Fund Management Charge

Varies by fund. This charge is already accounted for in the unit price and depends on the specific funds you select. Details are available in the fund documents on FWD's website.

Surrender Charge

Applies before term end. A surrender charge is levied if you surrender the policy before the end of the premium payment term. The rate depends on the policy year at surrender.

Flexibility and Customization

FWD Invest First Max offers a range of flexible features that allow you to customize your policy to suit your changing financial needs and circumstances. These options provide you with greater control over your investment and insurance coverage. Here are some key flexibility features:

Premium Top-ups

Boost your investment. Make single premium top-ups anytime or set up recurring single premiums to grow your policy value. Minimum top-up amounts vary by currency, starting from S$3,000 for SGD.

Partial Withdrawals

Access your funds. Make penalty-free withdrawals from the 25th month onwards, subject to minimum account value and withdrawal requirements.

Premium Holiday

Temporary relief. Take a break from paying regular premiums from the 25th month onwards, with the option to resume payments later. Charges continue to apply during this period.

Adjustable Coverage

Tailor your protection. While specific details aren't provided, most ILPs allow for adjustments to insurance coverage. Consult with a financial advisor for options to modify your coverage as needed.

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Conclusion

FWD Invest First Max offers a compelling solution for individuals seeking to combine life insurance protection with investment growth potential. This plan may be particularly suitable for:
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