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Investment Linked Plan

HSBC Life Wealth Invest: Flexible Wealth Building with Insurance Protection

Creating a plan for your financial future can be challenging, especially when balancing the need for flexibility with wealth growth. HSBC Life Wealth Invest, a single premium investment-linked plan, offers a solution that combines wealth accumulation with life insurance protection. This innovative product allows you to invest using cash, Supplementary Retirement Scheme (SRS), or CPF monies, providing access to a wide range of funds managed by established fund managers. With HSBC Life Wealth Invest, you can stay insured while building your wealth, ensuring that your financial goals remain on track even as life unfolds.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance coverage with investment opportunities. In an ILP, a portion of your premium goes towards life insurance protection, while the remainder is invested in a range of funds of your choice. HSBC Life Wealth Invest offers a selection of professionally managed investment sub-funds, allowing you to choose based on your risk profile and financial goals. The policy value fluctuates with the performance of the chosen funds, giving you the potential for higher returns compared to traditional life insurance policies. However, it's important to note that investment returns are not guaranteed, and the policy value is subject to market risks.

HSBC Life Wealth Invest Insurance Coverage

HSBC Life Wealth Invest provides essential insurance coverage to protect you and your loved ones. The policy offers death benefit and total and permanent disability (TPD) coverage, ensuring financial security in the face of life's uncertainties. Let's explore the key aspects of the insurance coverage provided by this plan:

Death Benefit

HSBC Life Wealth Invest offers a death benefit of 101% of total premiums or the total policy value, whichever is higher. This ensures that your beneficiaries receive financial protection even if the policy value falls below your initial investment.

TPD Coverage

While not explicitly mentioned in the provided details, most ILPs typically include Total and Permanent Disability (TPD) coverage. This benefit would provide financial support if you become totally and permanently disabled, helping to maintain your quality of life.

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HSBC Life Wealth Invest Rider Options

HSBC Life Wealth Invest offers flexibility in customizing your insurance coverage. While specific rider options are not detailed in the provided information, investment-linked policies often allow for additional coverage through riders. These may include critical illness protection, hospital income benefits, or accidental death and dismemberment coverage. It's advisable to consult with an HSBC Life advisor for the most up-to-date information on available riders to tailor your policy to your specific needs.

HSBC Life Wealth Invest Investment Component

HSBC Life Wealth Invest offers a robust investment component, allowing you to grow your wealth while maintaining insurance coverage. The plan provides access to a wide range of investment options managed by established fund managers. Here's an overview of the key features of the investment component:

Fund Options

HSBC Life Wealth Invest (Cash/SRS) customers have access to nearly 100 available funds. These likely include a mix of equity, balanced, and fixed income funds to suit various risk appetites and investment goals.

Investment Strategies

The funds are professionally managed by established fund managers, employing various investment strategies to maximize returns while managing risk. Specific details on fund management approaches would be available in the relevant fund information booklets.

Fund Switching

HSBC Life Wealth Invest offers unlimited free fund switches, allowing you to adapt to changing market conditions. The minimum switching amount is the lower of S$1,000 or 100% of the value of the original fund.

Performance Tracking

While historical returns are not provided in the given information, it's important to regularly review fund performance. HSBC Life likely provides regular updates and reports on fund performance to help you make informed investment decisions.

Fees and Charges

Understanding the fees and charges associated with HSBC Life Wealth Invest is crucial for making an informed decision. Here's a breakdown of the key costs you can expect:

Premium Charge

For HSBC Life Wealth Invest (Cash/SRS), there is a premium charge of up to 5%. However, for HSBC Life Wealth Invest (CPF), there is no premium charge.

Fund Management Charge

The fund management charge varies according to the funds selected. Detailed information can be found in the relevant fund information booklet for each fund.

Insurance Charge

There is no separate insurance charge mentioned for HSBC Life Wealth Invest, which is a unique feature compared to many other ILPs.

Policy Fee

HSBC Life Wealth Invest does not charge a policy fee, which can help reduce the overall cost of maintaining your policy.

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Flexibility and Customization

HSBC Life Wealth Invest offers various features that provide flexibility and allow you to customize your policy according to your changing needs. Here are some key aspects of the plan's flexibility:

Premium Top-ups

You have the option to make ad hoc top-ups or set up recurring single premiums into your policy, allowing you to increase your investment when you have additional funds available.

Partial Withdrawals

The plan allows for withdrawals with a minimum amount of S$1,000. However, the policy value must remain above S$10,000 after withdrawal to avoid full surrender.

Dividend Options

For HSBC Life Wealth Invest (Cash/SRS) via cash premium payment, you can choose to receive dividends in cash or reinvest them, providing flexibility in managing your investment returns.

Fund Switching

The plan offers unlimited free fund switches, allowing you to adjust your investment strategy in response to market conditions or changes in your risk appetite.

Conclusion

HSBC Life Wealth Invest offers a flexible solution for individuals looking to combine wealth accumulation with life insurance protection. This product may be particularly suitable for:
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