In today's complex financial landscape, finding the right investment vehicle to grow, gain, and give can be challenging. If you're looking for a versatile and powerful tool to build your wealth, PRUVantage Wealth from Prudential might be the solution you've been searching for. Let's dive deep into this unique investment-linked plan and explore how it can help you create your next financial masterpiece.
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PRUVantage Wealth is an investment-linked plan designed for individuals who want to grow their wealth, gain regular income, and provide a solid foundation for their family's future . It's a flexible solution that allows you to tailor your investment strategy to your specific needs and goals.
Attractive bonuses to maximize your wealth
Low fees and simplified charges for easier investing
Wide range of PRULink Funds to choose from
Option to receive monthly dividends from selected PRULink Funds
Guaranteed protection at no additional cost
Options for wealth transfer to future generations
Quicker access to proceeds through beneficiary nominations
| Age | What suggestion covers | Premium |
|---|---|---|
| 44, Female making $12,500 a month | Not provided |
PRUVantage Wealth offers an attractive welcome bonus to kickstart your investment journey. The bonus rate is a percentage of your first-year premium and varies based on your chosen premium term.
Every 8 years, you'll receive a loyalty bonus of 0.8% of your latest Initial Investment Account Value. This bonus is awarded in the form of additional units, helping your investment grow over time.
The plan features a simplified fee structure to help maximize your returns: a one-time 3% premium charge, administration charges for a set number of years, and a Continuing Investment Charge that varies based on the funds you select.
Choose from a range of PRULink Funds to create an investment portfolio that aligns with your risk tolerance and financial goals.
If you're looking for a steady stream of income from your investment, PRUVantage Wealth offers the option to invest in dividend-paying PRULink Funds . This feature allows you to:
The plan offers a lump sum payout of 105% in case of accidental death and 101% in case of death (based on total premiums paid, excluding premiums for supplementary benefits and any withdrawals made).
Joint ownership: Purchase the policy with a joint owner
Secondary life assured: Appoint a secondary life assured
Flexibility to change the life assured (only allowed after two years from policy inception and applies only to immediate family members)
By using beneficiary nominations, you can help your loved ones avoid probate delays and gain quicker access to the policy proceeds in the event of your passing.
Sara, a 40-year-old entrepreneur, chooses PRUVantage Wealth with an annual premium of S$100,000 over 25 years. With a monthly dividend-paying fund (4.5% p.a., reinvested) and a 70% welcome bonus, her projected account value reaches S$15.1 million by year 40 , 6.1x total premiums paid.
Jonathan, a 45-year-old business owner, uses PRUVantage Wealth (USD) with an annual premium of US$100,000 over 25 years. With a monthly dividend-paying fund (8.0% p.a.), he receives projected yearly dividends of US$143,947 by year 40 , with an account value of US$5.5 million.
Investment Risks: As an Investment-Linked Plan, it's subject to investment risks, including the possible loss of principal.
Long-Term Commitment: Early termination may result in high costs and a surrender value less than total premiums paid.
Non-Guaranteed Returns: The performance of the ILP sub-funds is not guaranteed, and past performance doesn't indicate future results.
Dividend Distributions: For funds that aim to distribute dividends, these are not guaranteed and may be paid out of capital, affecting the fund's net asset value.
The minimum premium varies based on the chosen premium term and currency (SGD or USD).
Yes, you can make partial withdrawals to keep up with changing needs. No withdrawal charge applies under certain conditions.
The maximum entry age depends on the chosen premium term. Consult with a Prudential Financial Consultant for specific details.
No, dividends are not guaranteed and depend on the fund's performance and distribution policy.
Yes, PRUVantage Wealth offers flexibility to switch between funds. Consult the policy documents for specific terms and conditions.
PRUVantage Wealth offers a unique combination of wealth growth, income generation, and family protection features . Its flexibility allows you to craft an investment strategy that aligns with your personal financial goals and risk tolerance. However, like any investment product, it comes with risks and requires careful consideration.
Before making a decision, it's crucial to thoroughly understand the product features, risks, and how it fits into your overall financial plan. Consider consulting with multiple financial experts to get a well-rounded perspective on whether PRUVantage Wealth is the right choice for your financial masterpiece.
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