In today's ever-changing financial landscape, finding the right investment vehicle can feel like sailing through uncharted waters. If you're looking for a flexible, rewarding way to build wealth over the medium to long term , TM goInvest might be the compass you need. Let's dive deep into what this innovative investment-linked insurance plan from Tokio Marine Life Insurance Singapore has to offer.
Visualize your investment's potential
Use our powerful calculator to project your investment growth
Get accurate estimates of your investment's potential growth
Set realistic financial targets based on projected growth
Evaluate different scenarios to understand potential risks and rewards
TM goInvest is an investment-linked insurance plan designed for medium to long-term wealth accumulation . It combines the growth potential of investment funds with the security of life insurance, offering a unique blend of wealth creation opportunities and financial flexibility.
Initial Bonus: Up to 192% to kickstart your investment journey
Loyalty and Additional Bonuses: Up to 1.8% per annum to reward long-term investors
100% Premium Investment: Every dollar of your premium goes towards investments
Best-in-class Funds: Access to a suite of carefully selected investment options
Dividend-paying Funds: Create new income streams through fund distributions
Flexibility for Family Milestones: Option to change the life assured as your family grows
Legacy Planning: Transfer your policy to your children
One-time Plan Top-up: Boost your policy value when you have extra funds
Fund Switching: Adjust your investment strategy as market conditions change
Unlimited Premium Holidays: Pause premium payments when needed without losing coverage
Regular Withdrawals: Access your funds to supplement your income
Multiple Currency Options: Choose from up to 5 currencies for your policy
Capital Protection: Option to safeguard investments against market downturns
Guaranteed Death Benefit: During the minimum contribution period
Rider Options: Enhance your coverage with additional protection benefits
No Medical Underwriting: Easier application process
Let's break down the key components:
1. Premium Allocation: Your entire premium goes towards investments, maximizing your growth potential. This 100% allocation is a significant advantage compared to many other investment-linked policies.
2. Bonus Structure:
3. Investment Options: You can choose from a range of professionally managed funds, including dividend-paying options for regular income. The ability to switch between funds gives you control over your investment strategy.
4. Flexibility Features:
5. Protection Elements:
This plan is ideal for:
Sarah, 30, starts a TM goInvest policy with a 25-year term. She benefits from the high Initial Bonus to kickstart her wealth accumulation. As her career progresses, she uses the top-up feature to invest her bonuses. The fund switching option allows her to adjust her strategy as she becomes more risk-tolerant.
Mike and Lisa, both 35, take out a policy to save for their children's education. They appreciate the option to change the life assured as their family grows. When unexpected expenses arise, they use the premium holiday feature to manage their cash flow without compromising their long-term goals.
David, 55, uses TM goInvest as part of his retirement planning. He selects dividend-paying funds to create an additional income stream. As he approaches retirement, he gradually shifts to more conservative funds using the switching feature. The regular withdrawal option allows him to supplement his retirement income when needed.
High Initial Bonus and ongoing loyalty bonuses
100% of premiums invested
Flexibility to adapt to changing financial needs
Access to professional fund management
No medical underwriting required
Multiple currency options
Market risk: Returns are not guaranteed and depend on fund performance
Complexity: Multiple features may be overwhelming for some investors
Long-term commitment: Early termination may result in significant losses
Fees: Various charges may apply, impacting overall returns
Yes, TM goInvest offers fund switching to adjust your investment strategy.
You can use the premium holiday feature to pause payments without losing coverage.
While the plan is designed for medium to long-term investment, specific terms may apply. Check with your Tokio Marine Representative for details.
This optional feature helps safeguard your investment against market downturns. Your representative can explain the specific mechanics and any associated costs.
Yes, TM goInvest allows for regular withdrawals to supplement your income.
While TM goInvest offers attractive features, it's essential to understand that:
TM goInvest presents a compelling option for those seeking a flexible, growth-oriented investment solution with added life insurance benefits . Its unique bonus structure, investment flexibility, and protection features make it stand out in the market. However, like any investment product, it's crucial to carefully consider your financial goals, risk tolerance, and long-term commitment before diving in.
Remember, the best investment plan is one that aligns with your specific financial situation and objectives. While TM goInvest offers many attractive features, it's always wise to compare multiple options and seek professional advice before making a decision.
Ready to explore your investment options further? Don't rely on just one perspective. Get expert insights tailored to your unique financial situation. Sign up now to receive 5 expert opinions on investment-linked insurance plans. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best plan for your financial future. Don't leave your wealth creation to chance – get the expert advice you deserve today.
By filling this out, you agree to allow us to contact you about insurance related information.
Compare other investment linked plan options to find the best coverage for your needs
TM Atlas Wealth offers a unique approach to wealth management with its multi-currency policy feature, allowing you to diversify your investments across different currencies. What's even more remarkable is that this policy comes with no medical underwriting, making it accessible to a wider range of individuals. This innovative combination of features sets TM Atlas Wealth apart in the financial planning landscape.
TM FlexiAssurance offers a remarkable level of protection that goes beyond the ordinary. With the potential to provide up to 300 times your annual premium as a death benefit, this product stands out in the insurance market for its exceptional coverage. Discover how TM FlexiAssurance can offer you peace of mind with its impressive benefits and flexible options.
TM FlexiCover offers a unique approach to life insurance that adapts to your changing needs. With the ability to adjust your coverage as life changes, this innovative product provides flexibility rarely seen in traditional policies. Discover how TM FlexiCover can evolve with you, offering peace of mind through life's various stages.
TM Harvest Flexi offers a unique approach to investment-linked insurance. With its standout feature of 100% premium investment coupled with performance bonuses, it provides an opportunity for potentially higher returns. This innovative product aims to maximize your investment while still offering the protection of life insurance, making it an intriguing option for those looking to balance growth and security.
AIA Elite Secure Income offers a unique approach to financial planning with its flexible premium top-ups feature, allowing you to increase your investment exposure as your circumstances change. This innovative option provides a dynamic way to potentially boost your returns while maintaining the security of a guaranteed income stream. Discover how this versatile product could align with your long-term financial goals and retirement plans.
AIA Invest Easy offers a unique approach to financial planning by combining insurance and investments into a single, streamlined solution. This innovative product allows you to protect your loved ones while simultaneously growing your wealth, providing a convenient way to address multiple financial needs. Discover how AIA Invest Easy could simplify your financial strategy and potentially enhance your long-term financial security.
AIA Platinum Retirement Elite offers a unique approach to retirement planning with its flexible premium top-up feature. This innovative option allows you to boost your investments as your financial situation improves, potentially enhancing your retirement nest egg. Discover how this adaptable retirement solution could align with your long-term financial goals and provide you with greater control over your future.
AIA Platinum Wealth Elite offers a unique opportunity to build and protect your wealth with access to world-class asset managers. This innovative product is ideal for those looking to secure their financial future while also safeguarding their parents' well-being. With its blend of wealth accumulation and protection features, AIA Platinum Wealth Elite stands out as a comprehensive solution for long-term financial planning.
Explore more: Real customer experiences • Insurance guides • Coverage calculator
Learn about Investment Linked Plan insurance basics or compare Investment Linked Plan policies