Investment Linked Plan

TM goInvest Secure: Navigating Your Way to Ultra Wealth Creation

In today's ever-changing financial landscape, finding the right investment vehicle can feel like sailing through uncharted waters. But what if there was a solution that could help you ride the currents to an ocean of wealth? Enter TM goInvest Secure , a unique investment-linked insurance plan designed to help you navigate your way through rich waters towards ultra wealth creation.

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What is TM goInvest Secure?

TM goInvest Secure is an innovative investment-linked insurance plan offered by Tokio Marine Life Insurance Singapore Ltd. It's designed for medium to long-term regular investments , combining wealth accumulation opportunities with financial flexibility and protection. This plan allows you to take the plunge into a stream of ultra wealth opportunities while providing a safety net against market volatility.

Key Features That Make TM goInvest Secure Stand Out

Wealth Accumulation

  • Initial Bonus of up to 192%

  • High Loyalty and Additional Bonuses of up to 1.8% per annum

  • 100% of paid premiums go towards investments

  • Access to a suite of best-in-class funds

  • Opportunity to create income through dividend-paying funds

  • Ability to change Life Assured as you reach family milestones

  • Option to transfer your policy to your children, leaving a lasting legacy

Financial Flexibility

  • One-time plan top-up or fund switching to amplify policy value

  • Unlimited premium holidays when needed

  • Flexibility for regular withdrawals to reinforce your income

  • Choice of up to 5 currencies for your policy

Protection

  • Locked-in Policy Value protects your investment at its highest monthly value upon untimely death during market downturn

  • Option to boost coverage with additional Riders

  • No medical underwriting required

Why compare TM goInvest Secure with other Investment Linked Plan options through Whatins?

Traditional Approach

  • Limited to one company's fund options
  • Only hear about advisor's preferred funds
  • Single perspective on investment strategy

Whatins Advantage

  • Compare fund options across multiple insurers
  • Get different views on investment strategies
  • See how different advisors approach fund selection
  • Understand varied fee structures

How Does TM goInvest Secure Work?

Initial Bonus

When you start your policy, you receive an Initial Bonus of up to 192% . This gives your investment a significant boost right from the beginning.

Loyalty and Additional Bonuses

As you continue your policy, you can earn high Loyalty and Additional Bonuses of up to 1.8% per annum. These bonuses help accelerate your wealth accumulation over time.

100% Investment Allocation

Every dollar of your premium goes towards investments . This means your money starts working for you immediately, with no deductions for fees or charges from your premium.

Best-in-Class Funds

You have access to a carefully curated selection of top-performing funds. This allows you to diversify your investments and potentially maximize your returns.

Locked-in Policy Value

This unique feature protects your investment against market volatility. If you pass away during a market downturn, your beneficiaries will receive the highest monthly policy value recorded throughout the policy's lifetime , rather than the potentially lower current value.

Flexibility Features

You can pause your premium payments when needed, set up regular withdrawals, inject more funds, or switch between funds to optimize your investment strategy.

Real-Life Scenarios

Market Volatility Protection

Imagine you've been investing for 20 years, with a peak policy value of $500,000. During a market downturn, the current value drops to $400,000. If you were to pass away at this point, your beneficiaries would receive $500,000 (the highest recorded value) rather than $400,000, thanks to the Locked-in Policy Value feature.

Financial Flexibility

If you lose your job, you can take an unlimited premium holiday , allowing you to focus on finding new employment without worrying about your policy lapsing.

Legacy Planning

You can transfer your TM goInvest Secure policy to your children, passing on a valuable financial asset and potentially giving them a head start in their own wealth accumulation journey.

Pros and Cons

Pros

  • High Initial Bonus and ongoing Loyalty Bonuses

  • 100% of premiums invested

  • Access to top-performing funds

  • Unique Locked-in Policy Value feature for protection against market volatility

  • Flexible features like premium holidays and regular withdrawals

  • No medical underwriting required

  • Powerful tool for legacy planning

Cons

  • As an investment-linked plan, returns are not guaranteed

  • Potential for loss of principal amount invested

  • Early termination may result in high costs and low surrender value

  • May be more complex than traditional savings or investment products

Frequently Asked Questions

Is my investment guaranteed with TM goInvest Secure?

No, as with all investment-linked products, returns are not guaranteed and are subject to market risks.

Can I lose money with this plan?

Yes, there is a possibility of losing the principal amount invested, depending on market conditions and fund performance.

How often can I switch funds?

You should check with your Tokio Marine Representative for the specific fund switching rules and any associated costs.

What happens if I need to withdraw all my money early?

Early termination usually involves high costs, and the surrender value may be less than the total premiums paid.

Is there a minimum investment period?

While there's no strict minimum, this plan is designed for medium to long-term investments.

Conclusion

TM goInvest Secure offers a unique combination of wealth accumulation opportunities, financial flexibility, and protection against market volatility. Its features like the high Initial Bonus, Locked-in Policy Value, and legacy planning options make it an attractive choice for those looking to navigate their way to ultra wealth creation.

However, as with any investment product, it's important to carefully consider your financial situation, investment objectives, and risk tolerance before diving in. The potential for high returns comes with corresponding risks, and this plan requires a long-term commitment to potentially reap its full benefits.

Remember, the best investment strategy is one that aligns with your personal financial goals and circumstances. If you're considering TM goInvest Secure or any other investment-linked insurance plan, it's always wise to consult with a qualified financial adviser who can provide personalized recommendations based on your unique situation.

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