Investment Linked Plan

FWD Invest First Max: Accelerate Your Investment Growth

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.

Investment Growth Calculator

Visualize your investment's potential

  • Precise growth projections
  • Set realistic financial goals
  • Assess risks and rewards

What is FWD Invest First Max?

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.

Key Features That Set FWD Invest First Max Apart

Attractive Bonuses

  • 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

Reducing Charge Rates

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.

Competitive Break-even Yield

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.

Dividend Payout Option

You can choose to receive dividends as a stream of passive income, providing you with regular cash flow.

Auto-rebalancing Option

This complimentary service helps manage your portfolio risk by automatically adjusting your investments to maintain your desired asset allocation.

Why compare FWD Invest First Max with other Investment Linked Plan options through Whatins?

Traditional Approach

  • Limited to one company's fund options
  • Only hear about advisor's preferred funds
  • Single perspective on investment strategy

Whatins Advantage

  • Compare fund options across multiple insurers
  • Get different views on investment strategies
  • See how different advisors approach fund selection
  • Understand varied fee structures

How FWD Invest First Max Works

Premium Payment

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.

Investment Allocation

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 .

Bonus Crediting

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.

Reducing Charges

As your policy progresses, the charge rates decrease, allowing more of your money to work for you.

Flexibility Options

  • 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

Real-Life Example

Let's look at how FWD Invest First Max might work for John, a 30-year-old looking to retire comfortably at 60:

  • John purchases FWD Invest First Max with a monthly premium of S$1,000 for 30 years
  • At age 61, John can choose to:

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)

Pros and Cons

Pros

  • 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

Cons

  • 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

Who Is FWD Invest First Max Suitable For?

This plan might be a good fit if you:

  • Are looking for long-term wealth accumulation
  • Want the potential for higher returns compared to traditional savings plans
  • Appreciate flexibility in your investments
  • Are comfortable with some level of investment risk
  • Have a long-term financial horizon (10-30 years)

Important Considerations

  • 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

Conclusion

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.

Get 5 Expert Opinions on Investment-Linked Plans

Similar Investment Linked Plan Products

Compare other investment linked plan options to find the best coverage for your needs

More from FWD

Same Company

FWD InvestFirst

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.

Same Company

Invest Goal 1

FWD Invest Goal 1 offers a unique advantage that savvy investors will appreciate: penalty-free withdrawals at any time. This feature provides unparalleled flexibility, allowing you to access your funds whenever you need them without incurring costly fees. Whether you're saving for a specific goal or simply want a versatile investment option, FWD Invest Goal 1 might be the solution you've been looking for.

Same Company

Invest Goal Flexi

FWD Invest Goal Flexi offers a unique approach to investment-linked insurance. With an impressive up to 20% first-year premium bonus, this product provides an attractive kickstart to your investment journey. Discover how FWD Invest Goal Flexi can potentially accelerate your wealth accumulation while providing essential life coverage.

Same Company

Invest Goal X

Invest Goal X offers a unique approach to investment planning with its flexible premium top-up feature. This innovative option allows you to boost your investments on your own terms, adapting to your changing financial situation and goals. Discover how Invest Goal X can provide you with a dynamic and personalized investment experience that grows with you.

Other Investment Linked Plan Options

AIA Elite Secure Income

AIA Elite Secure Income offers a unique approach to financial planning with its flexible premium top-ups feature, allowing you to increase your investment exposure as your circumstances change. This innovative option provides a dynamic way to potentially boost your returns while maintaining the security of a guaranteed income stream. Discover how this versatile product could align with your long-term financial goals and retirement plans.

AIA Invest Easy

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

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

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.