Are you looking for a flexible investment option that can adapt to your changing life stages while providing insurance coverage? TM Wealth Aspire, offered by Tokio Marine Life Insurance Singapore Ltd., might be the solution you're seeking. Let's dive deep into this investment-linked plan (ILP) and explore how it can help you achieve your financial goals.
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TM Wealth Aspire is a single premium whole life, investment-linked plan designed to grow your wealth while providing insurance coverage. It's a versatile financial tool that allows you to invest in a range of diversified funds, make top-ups, switch funds, and withdraw money as your needs change. Plus, it offers a death benefit to protect your loved ones.
Start investing from as little as S$5,000
At least 105% of Net Premium payable upon death
Use Cash or Supplementary Retirement Scheme (SRS)
Options for top-ups, fund switching, and withdrawals
Guaranteed acceptance (subject to financial underwriting)
One of the most attractive aspects of TM Wealth Aspire is its accessibility . You can start your investment journey with as little as S$5,000. This low entry point makes it easier for a wider range of individuals to begin growing their wealth, regardless of their current financial situation.
You have two convenient payment options:
This flexibility allows you to choose the most suitable option based on your financial planning strategy.
While the primary focus of TM Wealth Aspire is on growing your wealth, it also provides a crucial safety net for your loved ones. In the unfortunate event of your death, the plan pays out the higher of:
This ensures that your beneficiaries receive a meaningful payout, even if market conditions have negatively impacted your investment value.
Note: Net Premium is defined as the sum of single premium and all top-up premiums, less all amounts withdrawn.
Life is unpredictable, and your financial needs can change over time. TM Wealth Aspire recognizes this and offers several flexible features :
Make additional investments at any time to capitalize on market opportunities. The minimum ad-hoc top-up amount is S$1,200.
Set up regular contributions to your investment pool. Minimum RSP top-up amounts: Monthly/Quarterly: S$300, Semi-annually: S$600, Annually: S$1,200
Switch your fund holdings within the available fund choices at no additional charge as your investment goals change.
Access your money when you need it by making partial withdrawals at any time.
Unlike many insurance products, TM Wealth Aspire offers guaranteed acceptance with no medical underwriting required . This means you don't have to go through health checks or answer detailed medical questions to qualify for the plan. However, financial underwriting is still required to ensure the plan aligns with your financial situation.
TM Wealth Aspire offers a range of funds to suit different risk appetites and investment goals. Whether you prefer high-risk, high-yield options or more conservative, steady-growth funds, you can find suitable choices within the plan's offerings.
Important: The value of the units in these funds can rise or fall, and past performance doesn't guarantee future results. Always review the Product Summary and Product Highlights Sheet for detailed information about the available funds before making your selection.
Sarah, 28, starts with the minimum S$5,000 investment and sets up monthly RSP top-ups of S$300. As her career progresses, she increases her top-ups and makes ad-hoc investments when receiving bonuses.
John, 45, invests S$50,000, choosing a mix of moderate and high-risk funds. As he nears retirement, he uses the fund switching option to move to more conservative funds, protecting his gains.
Linda, 58, uses her SRS funds to invest, taking advantage of the tax benefits. She appreciates the flexibility to make withdrawals if unexpected expenses arise in her early retirement years.
Low entry point (S$5,000)
Flexibility in top-ups, fund switching, and withdrawals
No medical underwriting required
Death benefit provides additional protection
Option to use SRS funds
Investment risks: Potential loss of principal amount
Non-guaranteed performance of ILP sub-funds
Early termination may result in high costs and low surrender value
Fees and charges may impact overall returns
Before investing in TM Wealth Aspire, consider the following:
TM Wealth Aspire offers a flexible and accessible way to invest for your future while providing some insurance protection. Its low entry point, adaptable features, and diverse fund options make it an attractive choice for many investors. However, like all investment products, it comes with risks and requires careful consideration.
Remember, the best investment strategy is one that aligns with your personal financial goals, risk tolerance, and life stage. While TM Wealth Aspire offers many benefits, it's crucial to thoroughly understand the product 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 plans like TM Wealth Aspire. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.
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