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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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.
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.
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.
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.
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.
No medical check-ups or examinations required. Hassle-free application process.
Receive a death benefit of at least 101% of your total premiums invested. Protection against investment losses upon death or terminal illness.
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.
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%.
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).
The policy term is whole of life (until age 99). Designed for long-term wealth accumulation.
These scenarios assume a 4% annual capital appreciation and are for illustration only. Actual returns will vary based on fund performance and market conditions.
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.
If Richard chooses to reinvest all dividends instead: By age 67, his account value could be S$296,049.
Access to a wide range of funds for potential long-term growth
Guaranteed minimum death benefit protects your investment
Adjust your investment strategy with free fund switches and optional top-ups
Option to receive dividend payouts for additional income (Cash/SRS plans)
Guaranteed issuance regardless of health status
Whole of life coverage supports lifelong financial planning
It's important to understand the costs associated with HSBC Life Wealth Invest:
Up to 5% for Cash/SRS plans. None for CPF plans.
Varies by fund. Details available in the fund information booklet.
None
None
None (subject to minimum amounts)
Longer investment periods provide more time for recovery from market fluctuations
Reinvesting returns can lead to exponential growth over time
Regular investing helps cultivate good financial habits
Long-term wealth accumulation can support a more comfortable lifestyle and retirement
Looking to start building wealth for the future
Wanting to boost their investment portfolio with flexibility
Seeking potential income streams for retirement
Looking for a combination of investment opportunity and basic life coverage
Before investing in HSBC Life Wealth Invest, consider:
Understand that investment returns are not guaranteed and can fluctuate
This is a long-term plan, best suited for those with a long investment timeline
Ensure the plan aligns with your overall financial objectives
While withdrawals are allowed, frequent withdrawals may impact long-term growth
Consider how this plan fits into your overall investment portfolio
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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