Investment Linked Plan

HSBC Life Wealth Invest: Building and Protecting Your Dreams

In today's fast-paced world, planning for the future can be a daunting task. You want to grow your wealth, but you also need the flexibility to adapt to changing circumstances. That's where HSBC Life Wealth Invest comes in. This single premium investment-linked plan offers a unique combination of wealth accumulation and life coverage , designed to help you build and protect your dreams.

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What is HSBC Life Wealth Invest?

HSBC Life Wealth Invest is a versatile investment-linked insurance plan that allows you to grow your wealth while staying protected. It's designed for those who want to invest for the long term but also need the flexibility to adjust their strategy as life changes. Whether you're just starting your career or planning for retirement, this plan offers features to suit your needs.

Key Features That Set HSBC Life Wealth Invest Apart

Flexible Premium Payment Options

Invest using cash, Supplementary Retirement Scheme (SRS), CPF Ordinary Account (CPF-OA), or CPF Special Account (CPF-SA) monies. This flexibility allows you to choose the most tax-efficient or convenient method for your situation.

Wide Range of Investment Options

Access to professionally managed investment sub-funds. Cash/SRS customers can choose from nearly 100 available funds. Tailor your investment strategy to your risk profile and financial goals.

Flexible Investment Opportunities

Unlimited free fund switches (minimum switching amount applies). Option for withdrawals to access your money when needed. Ability to make ad hoc top-ups or set up recurring single premiums.

Dividend Cash Payout Option

For Cash/SRS plans, you can choose to receive dividends in cash or reinvest them. This feature can provide a potential source of regular income in retirement.

Guaranteed Issuance

No medical check-ups or examinations required. Hassle-free application process.

Free and Guaranteed Life Coverage

Receive a death benefit of at least 101% of your total premiums invested. Protection against investment losses upon death or terminal illness.

Why compare HSBC Life Wealth Invest 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 HSBC Life Wealth Invest Works

Investment Component

Your premiums are invested in your chosen sub-funds. The value of your policy fluctuates based on the performance of these funds. You have the flexibility to switch between funds as market conditions change.

Insurance Component

You're covered for death and terminal illness. The death benefit is the higher of 101% of total premiums or the total policy value. This ensures your beneficiaries receive at least your initial investment plus 1%.

Flexibility

Start with a minimum initial premium of S$10,000. Add more funds through top-ups or recurring single premiums. Make withdrawals when needed (minimum S$1,000, subject to maintaining a minimum policy value).

Long-Term Focus

The policy term is whole of life (until age 99). Designed for long-term wealth accumulation.

Real-Life Scenario: How HSBC Life Wealth Invest Can Work for You

These scenarios assume a 4% annual capital appreciation and are for illustration only. Actual returns will vary based on fund performance and market conditions.

Scenario A: Dividend Payout Option

Richard chooses a dividend-paying sub-fund with a potential 3.5% annual payout. He reinvests dividends until age 62, then starts taking cash payouts. By age 67 (10 years after starting): His account value could be S$239,071. He could have received S$49,578 in cash dividends. Total value: S$288,650.

Scenario B: Reinvesting Dividends

If Richard chooses to reinvest all dividends instead: By age 67, his account value could be S$296,049.

Key Benefits of HSBC Life Wealth Invest

Wealth Accumulation

Access to a wide range of funds for potential long-term growth

Protection

Guaranteed minimum death benefit protects your investment

Flexibility

Adjust your investment strategy with free fund switches and optional top-ups

Income Potential

Option to receive dividend payouts for additional income (Cash/SRS plans)

No Medical Underwriting

Guaranteed issuance regardless of health status

Long-Term Planning

Whole of life coverage supports lifelong financial planning

Fees and Charges

It's important to understand the costs associated with HSBC Life Wealth Invest:

Premium Charge

Up to 5% for Cash/SRS plans. None for CPF plans.

Fund Management Charge

Varies by fund. Details available in the fund information booklet.

Insurance Charge

None

Policy Fee

None

Fund Switching Fee

None (subject to minimum amounts)

Why Start Investing Early?

Risk Management

Longer investment periods provide more time for recovery from market fluctuations

Compound Growth

Reinvesting returns can lead to exponential growth over time

Financial Discipline

Regular investing helps cultivate good financial habits

Better Quality of Life

Long-term wealth accumulation can support a more comfortable lifestyle and retirement

Who Is HSBC Life Wealth Invest For?

Young Professionals

Looking to start building wealth for the future

Mid-Career Individuals

Wanting to boost their investment portfolio with flexibility

Pre-Retirees

Seeking potential income streams for retirement

Anyone

Looking for a combination of investment opportunity and basic life coverage

Important Considerations

Before investing in HSBC Life Wealth Invest, consider:

Risk Tolerance

Understand that investment returns are not guaranteed and can fluctuate

Investment Horizon

This is a long-term plan, best suited for those with a long investment timeline

Financial Goals

Ensure the plan aligns with your overall financial objectives

Liquidity Needs

While withdrawals are allowed, frequent withdrawals may impact long-term growth

Diversification

Consider how this plan fits into your overall investment portfolio

Conclusion

HSBC Life Wealth Invest offers a unique combination of investment flexibility and basic life coverage . Its wide range of fund options, coupled with features like dividend payouts and free fund switches, make it an attractive option for those looking to build wealth over the long term. However, as with any investment product, it's crucial to carefully consider your financial situation, goals, and risk tolerance before making a decision.

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