Get advice
Investment Linked Plan

FWD Invest Goal 1: Flexible Investment-Linked Insurance for Your Financial Future

In today's dynamic financial landscape, finding the right balance between protection and investment can be challenging. FWD Invest Goal 1, a single premium investment-linked policy, offers a unique solution that combines life insurance coverage with investment opportunities. This innovative product is designed for individuals who want to grow their wealth while maintaining the flexibility to adapt to changing financial needs. With FWD Invest Goal 1, you can enjoy the benefits of professional fund management, penalty-free withdrawals, and the potential for long-term capital growth. Let's explore how this versatile policy can help you achieve your financial goals while providing the peace of mind that comes with life insurance protection.

Investment Growth Calculator

Visualize your investment's potential

  • Precise growth projections
  • Set realistic financial goals
  • Assess risks and rewards

How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance protection with investment opportunities, offering a unique approach to financial planning. With an ILP like FWD Invest Goal 1, your premium is allocated between insurance coverage and investment units in chosen funds. The investment component allows you to potentially grow your wealth over time, while the insurance aspect provides financial protection for your loved ones. Your single premium is used to purchase units in the ILP sub-funds you have selected, with 100% of the premium going towards investments. This structure offers flexibility in terms of fund selection and risk levels, allowing you to tailor your investment strategy to your personal financial goals and risk tolerance. It's important to note that the value of your investment can fluctuate based on market performance, making ILPs suitable for those comfortable with some level of investment risk.

FWD Invest Goal 1 Insurance Coverage

FWD Invest Goal 1 offers essential insurance coverage to protect you and your loved ones. This policy provides financial security through its death benefit, ensuring that your beneficiaries are taken care of in the event of your passing. Let's examine the key aspects of the insurance coverage provided by FWD Invest Goal 1:

Death Benefit

FWD Invest Goal 1 provides a death benefit of 105% of the policy value. This ensures that your beneficiaries receive financial support in the event of your passing, offering peace of mind and protection for your loved ones.

Total and Permanent Disability (TPD) Benefit

While the product details do not explicitly mention a Total and Permanent Disability benefit, it's important to note that the policy focuses on providing death coverage and investment opportunities. For specific TPD coverage, you may need to consult with a financial advisor about additional rider options or separate policies.

Fill in your details to get started

or

By filling this out, you agree to allow us to contact you about insurance related information.

Learn more

FWD Invest Goal 1 Rider Options

The product details provided do not specifically mention any rider options for FWD Invest Goal 1. This single premium investment-linked policy appears to focus on providing a combination of life insurance coverage and investment opportunities without additional riders. However, it's always best to consult with a financial advisor to discuss any potential customization options or complementary products that may be available to enhance your coverage based on your specific needs.

FWD Invest Goal 1 Investment Component

FWD Invest Goal 1 offers a robust investment component, allowing you to potentially grow your wealth while enjoying life insurance protection. This policy provides access to a diverse range of funds managed by globally established fund managers, giving you the opportunity to build a portfolio tailored to your financial goals and risk tolerance. Let's explore the key aspects of the investment component:

Diverse Fund Options

FWD Invest Goal 1 provides access to over 50 curated funds from globally established fund managers. These funds are well-diversified and allow you to tap into tactical opportunities arising from changing market conditions.

Professional Management

The funds are managed by renowned investment firms, including Baillie Gifford, Columbia Threadneedle, Franklin Templeton, and many others. This ensures professional oversight and expertise in managing your investments.

Flexible Switching

FWD Invest Goal 1 offers unlimited free fund switches, allowing you to adjust your investment portfolio anytime without incurring any costs. This flexibility enables you to adapt to changing market conditions or personal financial goals.

Auto-Rebalancing Service

The policy offers a complimentary auto-rebalancing service that uses a disciplined approach to investing. This feature helps maintain your desired asset allocation by automatically adjusting your portfolio based on market movements, saving you time and effort in managing your investments.

Fees and Charges

Understanding the fees and charges associated with FWD Invest Goal 1 is crucial for making an informed decision. These charges cover various aspects of policy administration and fund management. Here's a breakdown of the key fees and charges:

Initial Account Charge

An annual charge of 1% of the initial units account value, deducted monthly throughout the policy term. This charge is taken by deducting units from your initial units account.

Plan Charge

A charge of 1.4% per annum of the single premium committed at the effective date, payable during the first 5 policy years. This charge is deducted monthly by taking units from your initial units account.

Fund Management Fee

The fund management fee varies depending on the selected funds. This fee is already accounted for in the unit price and is not an additional charge to the policy.

Surrender Charge

A surrender charge applies if you surrender the policy prior to the 6th policy year. The charge is calculated by multiplying the single premium paid on the effective date by a percentage that depends on the policy year of surrender.

Fill in your details to get started

or

By filling this out, you agree to allow us to contact you about insurance related information.

Learn more

1170+

Suggestions Facilitated

11+

Insurance Brands Represented

154+

MAS Licensed Advisors

Flexibility and Customization

FWD Invest Goal 1 offers various features that provide flexibility and allow you to customize your policy according to your changing financial needs. These options help you maintain control over your investment and insurance coverage. Here are the key flexibility features:

Penalty-Free Withdrawals

You can make partial withdrawals from your policy at any time without incurring penalties. The only requirement is to maintain a minimum balance of 10% of your single premium investment in the initial units account to keep your policy in force.

Fund Switching

FWD Invest Goal 1 allows unlimited free fund switches, giving you the flexibility to adjust your investment portfolio as needed without incurring any costs. This feature enables you to respond to market changes or shifts in your investment strategy.

Auto-Rebalancing

The policy offers a complimentary auto-rebalancing service that you can opt into. This feature helps maintain your desired asset allocation by automatically adjusting your portfolio based on market movements, saving you time and effort in managing your investments.

Policy Currency Options

FWD Invest Goal 1 is available in both SGD and USD, allowing you to choose the currency that best suits your financial planning needs. There is no charge for changing your policy currency.

Conclusion: Is FWD Invest Goal 1 Right for You?

FWD Invest Goal 1 can be an excellent choice for several types of investors. First, it's well-suited for individuals who want to combine life insurance protection with investment opportunities in a single product. Second, it's ideal for those who prefer a hands-off approach to investing, thanks to its auto-rebalancing feature and professional fund management. Lastly, it's a good fit for investors who value flexibility, with its penalty-free withdrawal options and unlimited free fund switches.
today and receive diverse perspectives on your insurance options. By speaking with multiple advisors, you'll gain valuable insights to make an informed decision. Plus, you'll be entered into our 'Premiums On Us' campaign, where you could win your quarterly insurance premiums paid by Whatins. Don't miss this opportunity to secure your financial future and potentially save on premiums!