Are you looking for a way to invest that's straightforward, flexible, and designed to maximize your returns? FWD Invest First Plus might be the solution you've been searching for. This regular premium investment-linked policy offers a unique approach to growing your wealth, with features that set it apart from traditional investment products. Let's dive into what makes FWD Invest First Plus special and how it could help you achieve your financial goals.
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FWD Invest First Plus is an investment-linked insurance plan that aims to make investing simpler and more rewarding. It's designed for individuals who want to grow their wealth over time while maintaining flexibility and transparency in their investments. Whether you're planning for your child's education, your retirement, or simply want to build your wealth, this plan offers a range of features to support your financial journey.
Kickstart your investment with a Booster Bonus of up to 34% p.a. on your initial 5 years of regular premium contributions. Enjoy annual Loyalty Bonuses of up to 0.7% p.a., 1.0% p.a., and 1.2% p.a. of the accumulation units account from the 6th, 11th, and 21st policy year respectively.
Unlike traditional plans where charges increase as your policy value grows, FWD Invest First Plus caps your yearly charges . This unique approach means your investment has more room to grow without being hindered by increasing fees.
Take a break from paying premiums from the 25th month, with the option to repay later. Make penalty-free withdrawals from the 25th month of the policy. Enjoy unlimited free fund switches to adjust your investment strategy. Select from SGD or USD as your policy currency, with the option to change from the 6th policy year. Grow your policy value with single premium top-ups whenever you want.
Choose from over 50 funds managed by globally established fund managers . Option to reinvest dividends for growth or withdraw as a source of passive income.
Maintain your desired investment allocation without constant monitoring. Automatically adjusts your portfolio to align with your risk preference.
Let's look at an example to understand how this plan can help you achieve your financial goals:
Ken, age 40, wants to plan for his retirement. He needs S$7,000 per month to maintain his lifestyle at age 65, but his personal savings will only provide S$2,000 per month. Here's how FWD Invest First Plus can help bridge the S$5,000 monthly gap:
Option A: End the policy with a surrender value of S$726,765 (based on 8% p.a. projected returns).
Option B: Withdraw S$5,000 monthly for 20 years, with a remaining surrender value of S$348,063 at age 85.
This example illustrates how FWD Invest First Plus can potentially provide significant returns to support your retirement needs.
Minimum entry age: 30 days old for the person insured, 18 years old for the policy owner. Maximum entry age: 45-60 years old for the person insured (depending on premium payment terms), 70 years old for the policy owner.
15-30 years
Monthly: SGD 300-500 / USD 230-375 (depending on premium payment term). Annually: SGD 3,600-6,000 / USD 2,760-4,500 (depending on premium payment term).
FWD Invest First Plus aims for transparency in its fee structure. Key charges include:
It's important to note that while some charges increase over time, the total amount charged is fixed through the premium payment term or policy term.
Transparent and fixed total charges
Bonus units to accelerate investment growth
High flexibility in premium payments and withdrawals
Wide range of curated funds to choose from
Complimentary auto-rebalancing service
Charges continue even if premiums are not paid during the premium payment term
Surrender charges apply if the policy is terminated before the end of the premium payment term
Investment returns are not guaranteed and depend on fund performance
This plan might be suitable if you:
However, it's important to consider your financial situation, risk tolerance, and long-term goals before committing to any investment plan.
FWD Invest First Plus offers a unique approach to investment-linked policies with its fixed total charges, bonus units, and high flexibility. While it presents attractive features for long-term wealth accumulation, it's crucial to thoroughly understand the product and consider how it fits into your overall financial plan.
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