Are you looking for a way to rev up your investment returns while securing your retirement ? HSBC Life Wealth Accelerate might be the high-performance vehicle you need to drive your financial future forward. This flexible investment-linked plan is designed to help you accelerate your wealth growth while providing the protection you need . Let's take a deep dive into what makes this plan unique and how it can benefit you.
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HSBC Life Wealth Accelerate is an investment-linked insurance plan that combines wealth accumulation with life protection . It's designed for those who want to grow their wealth aggressively while maintaining the flexibility to adapt to life's changing circumstances. This plan offers a diverse selection of investment funds, multiple bonuses, and the option to receive dividends in cash or reinvest them for further growth .
Choose from nearly 70 unique investment-linked funds
Invest in various industries and geographical sectors
Option for dividend-paying sub-funds
Start-up bonus of up to 30% of annual premium in the first year
Power-up bonus of up to 1.3% p.a. of account value from year 15
Loyalty bonus of up to 1.1% p.a. of account value throughout the policy term
Choose from 2 Minimum Investment Period (MIP) options: 25 or 30 years
Invest in SGD or USD
Start from as low as S$300 monthly premium
Add recurring single premiums or top-ups anytime
Up to 7 free partial withdrawals after the Initial Contribution Period (ICP)
Take premium holidays of up to 84 months during MIP
Coverage for death and terminal illness
Life replacement option for wealth transfer
Let's break down the key components of this plan:
You can choose from a wide range of investment-linked funds to grow your wealth. The performance of these funds will directly impact your account value.
Start-up bonus: Receive up to 200% of your annual premium across the first 5 policy years
Power-up bonus: Get up to 1.3% p.a. of your account value from year 15 until the end of your MIP
Loyalty bonus: Enjoy up to 1.1% p.a. of your account value throughout the policy term after MIP
Regular premiums: Pay monthly, quarterly, semi-annually, or annually
Top-ups: Add lump sum investments anytime
Recurring single premiums: Set up additional monthly investments (for SGD policies only)
Premium holiday: Take breaks from premium payments for up to 84 months during MIP
Partial withdrawals: Access your funds when needed, with up to 7 free withdrawals
Premium reduction: Reduce your premiums by up to 25% after the ICP
Death benefit: Your beneficiaries receive 101% of the total account value, plus an additional amount before age 66
Terminal illness benefit: Receive an advance payment of the death benefit
Let's look at how HSBC Life Wealth Accelerate could work for someone like Denise:
Denise is 30 years old and wants to start planning for her retirement. She chooses HSBC Life Wealth Accelerate with a 30-year MIP, paying an annual premium of S$12,000. She selects a dividend-paying fund with a potential 4% dividend payout and opts to reinvest the dividends.
Here's how her investment could grow:
Note: These projections assume an 8% investment return and no withdrawals or premium holidays.
It's important to understand the fees associated with HSBC Life Wealth Accelerate:
3.4% per annum of the Initial Units Account (IUA) value during MIP
No AMF after MIP ends
1% per annum of the Accumulation Units Account (AUA) value throughout the policy term
Applies if you surrender the policy or stop paying premiums during the first 48 months (for 25-year MIP) or 60 months (for 30-year MIP)
Applies if you reduce your regular premium during MIP
7% of the withdrawal amount from the AUA during MIP
No charge for the first 7 withdrawals after ICP till end of MIP
Varies depending on the selected funds
High potential returns with multiple bonuses
Flexibility to adjust premiums and make withdrawals
Wide range of investment options
Option for dividend payouts
Life protection included
Complex fee structure
Potential for investment losses
Early encashment can be costly
Requires long-term commitment for best results
This plan might be a good fit if you:
Yes, you can switch funds, but a fee may apply in the future.
You can take a premium holiday for up to 84 months during MIP.
Yes, the minimum is S$5,000 or US$3,500.
Yes, you can reduce your premiums by up to 25% after the ICP, subject to minimum premium requirements.
Your policy continues with more flexibility and reduced charges.
HSBC Life Wealth Accelerate offers a powerful combination of investment potential, flexibility, and protection . Its unique bonus structure and diverse fund options can help turbocharge your wealth accumulation, especially if you have a long-term investment horizon. However, it's important to carefully consider the fees and commitment required.
As with any significant financial decision, it's crucial to align this plan with your overall financial goals and risk tolerance. While the potential for high returns is attractive, remember that investment-linked plans come with market risks.
Ready to accelerate your wealth journey? Don't make this decision alone. Get expert insights tailored to your unique financial situation. Sign up now to receive 5 personalized proposals from qualified financial advisors who can help you determine if HSBC Life Wealth Accelerate is the right fit for your financial future.
By consulting with multiple experts, you'll gain a comprehensive understanding of how this plan can work for you, and ensure you're making the best decision for your financial future. Don't leave your wealth acceleration to chance – get the expert advice you deserve today.
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