Are you looking for a way to grow your wealth while maintaining flexibility and access to a wide range of investment options ? Manulife's InvestReady Wealth (II) might be just what you're looking for. This whole-life regular-premium investment-linked plan offers a unique combination of investment opportunities, bonuses, and optional protection features. Let's dive deep into what this plan offers and how it could benefit you.
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InvestReady Wealth (II) is a comprehensive investment-linked insurance plan that allows you to invest in over 100 funds, including dividend-paying options . It's designed to give you the flexibility to build a diverse investment portfolio while also providing life insurance coverage.
Get a head start on your investments with a welcome bonus in the first policy year . This bonus comes in the form of additional units added to your account.
Enjoy yearly loyalty bonuses after the end of your chosen Minimum Investment Period (MIP). This rewards you for staying committed to your investment plan.
All of your regular basic premiums are used to purchase fund units . This means your money goes straight to work for you, maximizing your investment potential.
Choose from over 100 funds to build a portfolio that aligns with your financial goals and risk tolerance.
If you invest in dividend-paying unit trust funds, you can start receiving potential income from as early as the first policy year .
Tim chooses the MIP 20 Years Flexi Plan with an annual premium of S$12,000. He selects dividend-paying funds with a potential 4% annual dividend payout and opts to receive this income. br>- Welcome Bonus: S$7,200 in the first yearbr>- Potential yearly income: Starting from S$799 in Year 1, increasing to S$11,693 in Year 20br>- Illustrated Account Value at Year 20: S$281,498 (117% of initial capital)br>- Total potential dividends over 20 years: S$117,406br>-b>Total potential return: S$398,904 (166% of initial capital)
In this scenario, Tim chooses the same plan but opts to reinvest his dividends for maximum growth. br>- Welcome Bonus: S$7,200 in the first yearbr>-b>Illustrated Account Value at Year 20: S$453,572 (189% of initial capital) br>br>Note: These scenarios are based on an illustrated investment rate of return of 8% p.a. and are not guaranteed.
InvestReady Wealth (II) offers several Minimum Investment Period (MIP) options:
Minimum premiums vary based on the MIP chosen, ranging from S$200 per month for the 20 Years Flexi plan to S$20,000 per year for the 3 Years Flexi plan .
You can top up your premium (minimum S$2,500) at any time with no top-up charge.
Access your account value through partial withdrawals, subject to certain limits and charges during the MIP.
Pay in SGD for all plan options, or USD for specific plans.
This is a long-term investment. Early termination may result in significant costs .
Your investments are subject to market risks, and you may lose the principal amount invested.
The performance of the InvestReady Funds is not guaranteed. Unit prices and income may fall as well as rise.
Fund distributions are not guaranteed and may be made from income, net capital gains, and/or capital.
InvestReady Wealth (II) could be a good fit for you if:
Manulife InvestReady Wealth (II) offers a unique combination of investment flexibility, potential income, and insurance coverage . With its wide range of fund options and flexible features, it can be tailored to suit various financial goals and risk appetites. However, like all investments, it comes with risks, and returns are not guaranteed.
Before deciding, carefully consider your financial situation, investment objectives, and risk tolerance. Review all product documents thoroughly and seek professional advice to ensure this plan is the right fit for your financial journey.
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Read the complete transcript of our expert discussion about Manulife InvestReady Wealth (II). This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Welcome to the Deep Dive.
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