Are you looking for a way to supercharge your investment journey ? FWD Invest First Max might be the solution you've been searching for. This regular premium investment-linked plan offers a unique combination of attractive bonuses, reducing charge rates, and competitive break-even yield . Let's dive into the details of this innovative product and see how it can help you achieve your financial goals.
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FWD Invest First Max is a regular premium investment-linked plan designed to help you grow your wealth over time . It combines the benefits of life insurance with investment opportunities, allowing you to protect your loved ones while potentially earning returns on your investment.
Booster Bonus: Up to 186% over the first 2 years of regular premium payments
Loyalty Bonus: Up to 1.1% per annum of accumulation units account value from the 3rd policy year onwards
Accumulation Bonus: Up to 3% per annum of accumulation units account value, with up to 4 payouts over the premium payment term
Unlike many investment-linked plans that have constant charge rates, FWD Invest First Max features reducing charge rates over time . This applies to both the initial account charge (IAC) and accumulation account charge (AAC) rates.
The break-even yield is the annual fund growth rate required for you to start seeing returns on your investment. For FWD Invest First Max, this can be as low as 0.22% per year for a 25-year plan with a monthly premium of S$1,000.
You can choose to receive dividends as a stream of passive income, providing you with regular cash flow.
This complimentary service helps manage your portfolio risk by automatically adjusting your investments to maintain your desired asset allocation.
You choose a premium payment term between 10 to 30 years and pay regular premiums. The minimum monthly premium starts from S$300 for 20-30 year terms, and S$500 for 10-19 year terms.
Your premiums are invested in a range of funds offered by globally established fund managers. You have access to over 50 funds to choose from .
Throughout your policy term, you'll receive various bonuses that boost your investment growth: Booster Bonus in the first two years, Loyalty Bonus from the third year onwards, and Accumulation Bonus at specific intervals.
As your policy progresses, the charge rates decrease, allowing more of your money to work for you.
Access your money through penalty-free withdrawals from the 25th month onwards
Take premium holidays when needed
Make unlimited free fund switches
Top up your investment anytime
Let's look at how FWD Invest First Max might work for John, a 30-year-old looking to retire comfortably at 60:
Option 1: Receive S$3,000 monthly to support his retirement income
Option 2: Surrender his policy and receive a lump sum of S$1,054,244 (projected at 8% p.a. investment return)
Attractive bonuses to boost investment growth
Reducing charge rates over time
Competitive break-even yield
Flexibility to adjust premiums and make withdrawals
Wide range of funds to choose from
Complimentary auto-rebalancing option
Investment returns are not guaranteed
Charges apply, which can impact overall returns
Early surrender may result in significant losses
Complexity of the product may be challenging for some to understand
This plan might be a good fit if you:
The policy value is not guaranteed and depends on the performance of your chosen funds
There are various charges associated with the policy, including initial account charge, accumulation account charge, and surrender charge
The plan offers a death benefit of 105% of the policy value
You can change your policy currency from the 25th month onwards at no charge
FWD Invest First Max offers an innovative approach to long-term wealth accumulation , combining attractive bonuses, reducing charges, and investment flexibility. However, like all investment-linked plans, it comes with risks and complexities that need careful consideration.
Before making a decision, it's crucial to thoroughly understand the product features, assess your financial goals, and consider your risk tolerance. While the potential for higher returns is appealing, remember that investment performance is not guaranteed , and you could potentially lose some or all of your invested capital.
Ready to explore your investment options further? Don't rely on just one perspective. Get expert insights tailored to your unique financial situation . Sign up now to receive 5 expert opinions on investment-linked plans. 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 financial future. Don't leave your investment decisions to chance – get the expert advice you deserve today.
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