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Investment Linked Plan

FWD Invest Goal Flexi: Accelerate Your Wealth Accumulation

In today's fast-paced world, balancing career success with financial planning can be challenging. Many professionals find themselves excelling in their careers but lagging in wealth accumulation. FWD Invest Goal Flexi addresses this gap by offering a unique investment-linked policy designed for busy individuals. This innovative product combines the benefits of life insurance with investment opportunities, allowing you to accelerate your wealth growth without compromising your busy lifestyle. With flexible premium payment options and a range of investment choices, FWD Invest Goal Flexi empowers you to take control of your financial future efficiently and effectively.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) offer a unique combination of life insurance protection and investment opportunities. With an ILP, a portion of your premium goes towards life insurance coverage, while the remainder is invested in a range of funds of your choice. The premium allocation varies based on your preferences and the policy structure. FWD Invest Goal Flexi provides access to over 50 funds managed by renowned global fund managers, covering various asset classes and markets. These funds cater to different risk appetites, from conservative fixed income options to more aggressive equity-focused strategies. The policy's value fluctuates based on the performance of your chosen funds, allowing you to potentially benefit from market growth while maintaining life insurance protection.

FWD Invest Goal Flexi Insurance Coverage

FWD Invest Goal Flexi provides essential insurance coverage to protect you and your loved ones. The policy offers financial security through its core benefits, ensuring peace of mind as you focus on growing your wealth. Let's explore the key insurance components of this innovative product:

Death Benefit

Financial protection for beneficiaries. Upon the death of the last person insured, the policy pays out 105% of the policy value, providing crucial financial support to your loved ones.

Total and Permanent Disability (TPD) Benefit

Coverage for disability. While not explicitly mentioned in the provided details, most ILPs typically include TPD coverage. Please consult with a Financial Adviser Representative for specific information on TPD benefits under FWD Invest Goal Flexi.

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FWD Invest Goal Flexi Rider Options

FWD Invest Goal Flexi offers a range of additional benefits to enhance your policy and provide comprehensive coverage. These riders are designed to support you through various life circumstances and financial needs. Here's an overview of the key benefits available:

Booster Bonus

Jump-start your investment. Receive up to 20% of your first-year regular premium as a Booster Bonus, accelerating your initial investment growth.

Contribution Bonus

Reward for consistency. Enjoy a 2% per annum bonus on your regular premiums when you continue paying beyond the initial 3 or 5 years, up to policy year 10.

Loyalty Bonus

Long-term incentive. From policy year 11 onwards, receive up to 2.25% per annum of your initial units account value as a Loyalty Bonus.

Penalty-free Withdrawals

Flexible access to funds. From policy year 3, enjoy two penalty-free withdrawals, each up to 5% of your initial units account value.

Involuntary Unemployment Benefit

Financial safety net. In case of involuntary unemployment, premium shortfall charges can be waived for up to 6 months.

FWD Invest Goal Flexi Investment Component

The investment component of FWD Invest Goal Flexi is designed to offer flexibility and potential for growth. With access to a wide range of funds and investment strategies, you can tailor your investment approach to match your financial goals and risk tolerance. Here's an overview of the key investment features:

Diverse Fund Options

Wide-ranging choices. Access over 50 funds from renowned global managers, covering various asset classes and markets to suit different risk appetites and investment goals.

Fund Management

Expert oversight. Funds are managed by established global fund managers, employing various investment strategies to optimize returns based on market conditions and fund objectives.

Fund Switching

Flexibility to adapt. Enjoy the ability to switch between funds without incurring charges, allowing you to adjust your investment strategy as needed.

Performance Tracking

Transparent monitoring. While specific historical returns are not provided, fund performance can be tracked through regular updates and reports, helping you make informed investment decisions.

Fees and Charges

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

Initial Account Charge

Ongoing policy cost. Deducted monthly throughout the policy term, calculated as a percentage of the initial units account value. The rate varies based on the selected minimum investment term.

Premium Charge

Top-up fee. A 5% charge is applied to each top-up premium, affecting the amount invested from additional contributions.

Fund Management Fee

Investment oversight cost. Varies by fund and is reflected in the unit price. Details are available in the fund documents on the FWD website.

Surrender Charge

Early termination fee. Applies if you surrender the policy within the minimum investment term, calculated as a percentage of the initial units account value.

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Flexibility and Customization

FWD Invest Goal Flexi offers various features that allow you to customize your policy and adapt it to changing financial needs. These flexibility options ensure that your policy remains aligned with your evolving life circumstances and investment goals. Here are the key customization features:

Premium Top-ups

Boost your investment. You can make additional single premium top-ups at any time, subject to minimum amounts and a 5% premium charge.

Partial Withdrawals

Access funds when needed. Make partial withdrawals to meet financial demands, subject to minimum account value and withdrawal limits.

Premium Holiday

Temporary payment pause. Option to take a break from premium payments without charges from policy year 4 or 6 onwards, depending on your chosen minimum investment term.

Auto-rebalancing Service

Maintain investment strategy. Complimentary service that automatically adjusts your portfolio to maintain your desired fund allocation, ensuring alignment with your risk profile.

Conclusion

FWD Invest Goal Flexi is an excellent choice for several types of customers. It's particularly well-suited for busy professionals who want to accelerate their wealth accumulation without the hassle of constant portfolio management. The policy is also ideal for individuals seeking a balance between life insurance protection and investment growth potential. Additionally, those who value flexibility in their financial products will appreciate the various customization options and rider benefits offered by FWD Invest Goal Flexi.
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