Investment Linked Plan

Introducing Harvest Flexi: Your Path to Financial Freedom and Success

Are you looking for a flexible and powerful way to grow your wealth ? Do you want an investment solution that adapts to your changing needs while maximizing your returns? If so, Tokio Marine's Harvest Flexi might be the perfect fit for you. Let's dive into what makes this investment-linked plan (ILP) stand out in the crowded financial marketplace.

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What is Harvest Flexi?

Harvest Flexi is an innovative investment-linked plan offered by Tokio Marine Life Insurance Singapore Ltd . It's designed to help you build wealth with just a 3-year premium commitment, offering a unique blend of flexibility, growth potential, and bonuses to accelerate your financial journey.

Key Features That Set Harvest Flexi Apart

Short Premium Commitment

Only 3 years of premium payments required

100% Investment of Regular Premiums

Every dollar of your regular premium goes directly into your chosen investment funds

Initial Bonus

Up to 22% additional bonus in the first year to kickstart your investment

First-in-Market Performance Investment Bonus

Rewards your investment success from as early as Year 4

Capped Investment Charges

Limits on policy charges to optimize your policy value

Flexible Fund Options

Access to a suite of premier funds, including dividend-paying options

Why compare TM Harvest Flexi 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

Let's Break Down the Benefits

Let Your Investments Work Harder for You

100% of your regular premiums are invested into your chosen funds. Receive up to 22% Initial Bonus in the first year. Unique Performance Investment Bonus from as early as Year 4, rewarding your investment success even if you pause premiums or make withdrawals.

Enjoy ILP Flexibility

Choose from a curated suite of premier funds. Option for dividend payouts or reinvestment from year one. Unlimited top-ups, fund switches, and partial withdrawals . Legacy planning with up to 4 life assureds. Invest in SGD or USD.

Protection for You and Your Loved Ones

Advanced Death Benefit during the Minimum Investment Period, protecting against market downturns and providing capital guarantee. Optional riders for additional protection. No medical underwriting required.

Understanding the Bonus Structure

Kick Start: Initial Bonus (Year 1)

Up to 22% bonus to boost your initial investment

Accelerate: Performance Investment Bonus (As early as Year 4)

First-in-the-market bonus to reward investment success. Subject to meeting a Performance Growth Measure of at least 102% per annum.

Realise Your Goals: Additional Bonuses

Loyalty Bonus, Power-up Bonus, and continued Performance Investment Bonus available from the Minimum Investment Period onwards.

How Harvest Flexi Stands Out

Future is Freedom

Wide array of investment funds . Option for dividend payouts or reinvestment. Flexibility for partial withdrawals, fund switches, and top-ups.

Future is Resilience

Reduced net charges to maximize policy value. Limited investment charges to prevent erosion of investments over time.

Future is Evolution

100% investment of regular premiums . Multiple bonus payouts at different stages. Adapts to your changing financial needs.

Future is Breakthrough

First-in-market Performance Investment Bonus. Continuous innovation to achieve your financial aspirations.

Future is Success

Capped investment charges. Exceptional flexibility. Strategically positioned bonus payouts.

Real-Life Scenarios

Young Professional

Sarah, 30, wants to start building wealth early. With Harvest Flexi, she commits to just 3 years of premiums, receives an Initial Bonus to boost her investment, and has the flexibility to adjust her investment as her career progresses.

Family Planner

John, 40, wants to save for his children's education. Harvest Flexi allows him to choose funds that align with his risk tolerance and goals, potentially receive dividend payouts to cover education expenses, and adjust his investment strategy as his children grow.

Pre-Retiree

Linda, 55, is preparing for retirement. Harvest Flexi helps her potentially accelerate wealth growth with Performance Investment Bonus, choose from dividend-paying funds for potential passive income, and protect her investment with the Advanced Death Benefit.

Important Considerations

While Harvest Flexi offers many benefits, it's important to consider:

  • This is an investment-linked plan, subject to investment risks
  • The value of units may rise or fall
  • Past performance doesn't guarantee future results
  • Early termination may result in high costs and potential loss

Frequently Asked Questions

Is there a minimum investment amount?

Check with a Tokio Marine Representative for current minimum premium requirements.

Can I change my fund choices later?

Yes, Harvest Flexi offers unlimited fund switches.

What happens if I need to stop paying premiums after 3 years?

The plan continues, and you may still be eligible for bonuses, subject to terms and conditions.

Is this plan suitable for short-term investment?

Harvest Flexi is designed for long-term wealth accumulation. Short-term investment may not maximize its benefits.

How is the Performance Investment Bonus calculated?

It's based on meeting a Performance Growth Measure of at least 102% per annum, subject to terms and conditions.

Conclusion

Harvest Flexi by Tokio Marine offers a unique blend of flexibility, growth potential, and bonuses designed to help you achieve your financial goals. With its short premium commitment, diverse fund options, and innovative bonus structure, it stands out as a powerful tool for wealth accumulation.

However, like any financial product, it's crucial to carefully consider your personal circumstances, risk tolerance, and long-term objectives before investing. While Harvest Flexi offers many attractive features, it's important to remember that it's an investment-linked plan subject to market risks.

Ready to explore if Harvest Flexi is the right fit for your financial future? 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 Harvest Flexi or similar investment-linked plans could fit into your financial strategy. 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 path to financial success. Don't leave your financial future to chance – get the expert advice you deserve today.

Click here to get 5 expert opinions on Harvest Flexi and similar investment-linked plans

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