Are you looking for a way to invest for your future while also securing protection for yourself and your loved ones? Singlife Savvy Invest II might be the solution you've been searching for. This innovative whole life, regular premium investment-linked plan offers a unique combination of investment opportunities and insurance protection . Let's dive deep into what this plan offers and how it can help you achieve your financial goals.
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Singlife Savvy Invest II is a comprehensive financial product that combines investment and insurance . It's designed to give you control over your financial future by offering diverse investment opportunities while providing protection against death and Terminal Illness. This plan is perfect for those who want to grow their wealth over time while ensuring their loved ones are protected .
Welcome Bonus: Enjoy up to 60% of your basic regular premium as a Welcome Bonus, giving your initial investment a significant boost. Loyalty Bonuses: After your selected Minimum Investment Period, you'll receive stepped-up Loyalty Bonuses to further grow your investment.
Up to 105% of your regular basic premiums paid will be invested in the ILP sub-funds of your choice, ensuring that more of your money is working for you.
The plan offers a unique Life Stage Benefit , allowing you to withdraw up to 10% of your account value, penalty-free, at key milestones in your life (e.g., buying a home, having a baby).
You have the option to pass on your policy to a family member , making it an excellent tool for estate planning.
Enjoy peace of mind with life coverage against death and Terminal Illness .
Choose from a variety of funds, including dividend-paying ILP sub-funds . You can decide whether to receive dividends in cash or reinvest them.
Let's look at an example to better understand how this plan can work for you:
John, a 35-year-old non-smoker, applies for Singlife Savvy Invest II with a fixed Minimum Investment Period of 10 years and an annual premium of S$6,000.
This example assumes an illustrated investment rate of return of 8% p.a. and an annual management charge of 1.30% p.a. It's important to note that these values are non-guaranteed and subject to the performance of the chosen ILP sub-funds .
To make an informed decision, it's important to understand the fees associated with this plan:
It's crucial to carefully consider these fees when evaluating the overall potential of your investment.
Payable upon receipt of each basic regular premium paid for the first policy year.
Starts from the first policy anniversary after the end of the MIP, increasing over time.
Affects charges for missed premiums, withdrawals, and surrenders.
Allows penalty-free withdrawals for specific life events, up to 2 times during the policy term.
Higher of 101% of total premiums paid (less withdrawals) or the account value.
Early payout of the Death Benefit.
This plan could be an excellent choice if you:
However, it's important to remember that:
Singlife Savvy Invest II offers a unique blend of investment opportunities and protection , giving you control over your financial future. With its flexible features, bonus structures, and comprehensive coverage, it can be an excellent tool for long-term wealth accumulation and family protection.
However, as with any financial decision, it's crucial to carefully consider your personal needs, financial situation, and long-term goals before committing to this plan. We recommend speaking with a qualified financial adviser who can provide personalized advice based on your specific circumstances.
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