TM Atlas Wealth
We analysed TM Atlas Wealth so you don't have to. One fascinating find: Multi-currency policy with no medical underwriting! View our full review to see if it fits your needs.
In today's fast-paced world, planning for the future has never been more crucial. Whether you're dreaming of financial freedom, seeking resilience against life's challenges, or aiming for personal breakthroughs, Tokio Marine's Harvest Max is designed to help you achieve your financial aspirations . Let's dive deep into this innovative wealth management solution and explore how it can help you cultivate a prosperous future.
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Harvest Max is a medium to long-term investment-linked plan (ILP) offered by Tokio Marine Life Insurance Singapore Ltd. It's part of their Harvest Series, which aims to deliver on the promise of attaining your future financial aspirations. This plan is designed to provide financial flexibility, growth potential, and protection , all while adapting to your changing needs over time.
Your entire regular premium is invested into the investment fund(s) of your choice, maximizing your growth potential from day one.
Harvest Max offers several bonuses to boost your wealth growth: Initial Bonus (up to 45% in Year 1), Performance Investment Bonus (from Year 4), and Loyalty Bonus and Power-up Bonus for long-term commitment.
Tokio Marine limits the policy investment charges to optimize your policy value as your investment grows.
Choose from a suite of premier funds, receive dividend payouts or reinvest, make unlimited top-ups and fund switches, and invest in 5 different currencies : SGD, USD, GBP, AUD, and EUR.
Enroll up to 4 life assureds, allowing you to transfer your wealth to loved ones .
Advanced Death Benefit to protect against market downturns during the Minimum Investment Period. Optional riders for enhanced protection without medical underwriting.
100% of your regular premium is invested. Receive up to 45% Initial Bonus to boost your investment.
Continue regular premium payments. Your investment grows based on fund performance.
Performance Investment Bonus kicks in , rewarding your investment success. This unique bonus continues until Year 15, providing ongoing growth potential.
Loyalty Bonus and Power-up Bonus reward your long-term commitment. Continue to enjoy potential growth and flexibility in your investment.
Access to a wide array of best-in-class curated investment funds, potential for passive income, and flexibility to adapt your investment strategy.
Reduced net charges and limited investment charges aim to maximize your policy value over time .
100% investment of regular premiums and multiple bonus payouts, including the unique Performance Investment Bonus from Year 4.
First-in-market Performance Investment Bonus aligns Tokio Marine's interests with yours.
Combination of capped charges, exceptional flexibility, and strategically positioned bonus payouts for achieving financial success.
Meet James, a 32-year-old professional looking to grow his wealth over the medium to long term. Here's how Harvest Max could work for him:
Throughout this journey, James enjoys the flexibility to switch funds, make top-ups, or even pause premium payments if needed, all while potentially still qualifying for the Performance Investment Bonus.
This innovative feature rewards your investment success from as early as Year 4, potentially boosting your returns significantly.
Maintain eligibility for bonuses even if you need to adjust your investment strategy.
A dedicated suite of premier funds to tailor your investment to your specific financial goals and risk tolerance.
Invest in five different currencies for global diversification and currency management.
Extra layer of protection during the Minimum Investment Period, safeguarding against market downturns.
While Harvest Max offers numerous benefits, it's essential to consider:
Harvest Max represents an innovative approach to wealth management, combining the growth potential of investment-linked plans with unique features designed to reward long-term commitment and investment success. Its flexibility and bonus structure make it an attractive option for those looking to cultivate their wealth over the medium to long term.
However, as with any financial decision, it's crucial to carefully consider your personal circumstances, financial goals, and risk tolerance before committing to Harvest Max. Consulting with a financial advisor can help you determine if this plan aligns with your overall financial strategy .
Ready to explore how Harvest Max can help cultivate 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 Max 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 cultivate your financial future. Don't leave your financial growth to chance – get the expert advice you deserve today.
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