TM Atlas Wealth: Your Global, Multi-Currency Investment Solution

In today's fast-paced, globalized world, managing your wealth effectively across borders can be challenging. Whether you're an expatriate professional, a global citizen, or simply someone looking for diverse investment opportunities, you need a flexible, comprehensive solution that grows with you. Enter TM Atlas Wealth , a unique investment-linked insurance policy (ILP) designed to meet the complex needs of the modern investor.

TM Atlas Wealth is a limited-pay, whole of life, investment-linked insurance policy offered by Tokio Marine Life Insurance Singapore Ltd. It's designed to provide you with a flexible, rewarding, and global approach to wealth management and protection . This plan allows you to invest in multiple currencies, adapt to changing life circumstances, and potentially boost your returns through various bonuses.

Let's break down the key components of this plan:

1. Premium Allocation: From day one, 100% of your regular premium is allocated to purchase units in your chosen funds.

2. Bonus Structure: Initial Bonus of up to 19.5% per annum for the first 5 years. Loyalty Bonus of up to 0.3% from the 6th year onwards.

3. Investment Options: Access to a range of curated ILP sub-funds for a diversified portfolio.

4. Flexibility: Switch funds without charge, make partial withdrawals, adjust premium contributions, and add/remove/change Life Assured.

5. Protection: Choose between Basic Death Benefit or Advanced Death Benefit during the premium payment term.

Let's consider Joan, a 30-year-old professional who signs up for TM Atlas Wealth with a 20-year premium payment term:

• At age 30: Joan starts her plan, benefiting from the initial bonus for the first 5 years.

• At age 35: She increases her premium contribution via a top-up when she receives a bonus from her company.

• At age 39: Joan adds her newborn children as Lives Assured and adjusts her premium contribution due to changing family needs.

• At age 50: She makes a partial withdrawal to celebrate her silver wedding anniversary with a holiday trip.

• At age 65: Joan starts making regular withdrawals for retirement needs while her investment continues to grow.

• At age 80: She transfers policy ownership to her children, ensuring her legacy continues.

Throughout this journey, Joan benefits from the annual loyalty bonus and has the flexibility to switch funds based on market opportunities.

It's important to understand the fees associated with TM Atlas Wealth:

1. Initial Charge: 4% p.a. of initial units account value

2. Policy Charge: 1.50% p.a. of policy value

3. Premium Charge for Recurring Single Premium (RSP) and Top-Up Premium: 5% of each RSP and/or top-up premium

4. Monthly Protection Charge: Applicable for Advanced Death Benefit option only

5. Fund Management Charge: Varies depending on the chosen investment fund

6. Credit Card Charge: 1.60% for premium payments via credit card (waived for first premium payment)

There are no charges for withdrawals, changes in policy currency, fund switching, or surrenders (after the premium payment term).

TM Atlas Wealth is particularly well-suited for:

1. Expatriate professionals working in different countries

2. Individuals with international financial commitments (e.g., overseas education for children)

3. Investors looking for a flexible, long-term wealth accumulation plan

4. Those seeking a balance of investment opportunity and life coverage

5. People who value the ability to adapt their financial plan as life circumstances change

TM Atlas Wealth offers a unique combination of flexibility, global reach, and potential for growth that makes it stand out in the world of investment-linked insurance policies. Its multi-currency options and adaptable structure make it particularly attractive for those with international lifestyles or financial goals.

However, like any financial product, it's crucial to carefully consider your personal circumstances, risk tolerance, and long-term objectives before committing. The complex nature of this product means it's especially important to seek professional advice to ensure it aligns with your overall financial strategy.

Remember, while TM Atlas Wealth offers exciting opportunities for wealth accumulation and protection, it also comes with investment risks. The value of your investment can go down as well as up, and past performance is not necessarily indicative of future results.

Ready to explore how TM Atlas Wealth could fit into your financial plan? Don't rely on just one perspective. Get expert insights tailored to your unique situation . Sign up now to receive 5 expert opinions on how TM Atlas Wealth could work for you. These professionals will review your specific circumstances and provide personalized recommendations, helping you make the most informed decision possible.

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By consulting with multiple experts, you'll gain a comprehensive understanding of how this product could fit into your overall financial strategy. Don't leave your global wealth management to chance – get the expert advice you deserve today.