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Investment Linked Plan

TM Wealth Enhancer: Boost Your Wealth with CPF Investment

In today's dynamic financial landscape, finding the right investment vehicle to grow your wealth is crucial. Enter TM Wealth Enhancer, an innovative investment-linked plan (ILP) that offers a unique opportunity to maximize your CPF savings. This single premium whole life plan combines the potential for wealth growth with insurance coverage, providing a comprehensive solution for those looking to make their money work harder. With features like 100% premium allocation from day one and the flexibility to adapt to changing market conditions, TM Wealth Enhancer stands out as a powerful tool for savvy investors seeking to secure their financial future.

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How ILPs Work

Investment-Linked Plans (ILPs) offer a unique combination of life insurance protection and investment opportunities. With TM Wealth Enhancer, your premium is allocated to purchase units in your chosen funds, allowing you to potentially benefit from market growth. The plan boasts 100% premium allocation right from the start, meaning every dollar you invest goes directly into your selected funds. You have the flexibility to choose from a diverse range of funds, including equity, balanced, and fixed income options, each with different risk levels to suit your investment appetite. This structure allows you to tailor your investment strategy while maintaining life insurance coverage, providing a balanced approach to wealth accumulation and protection.

TM Wealth Enhancer Insurance Coverage

While TM Wealth Enhancer primarily focuses on investment growth, it also provides essential insurance coverage to protect you and your loved ones. The plan offers key benefits to ensure financial security in unforeseen circumstances. Let's explore the main coverage components:

Death Benefit

Financial protection for beneficiaries. The death benefit is calculated as the sum of 105% of the value of single premium units and 100% of the value of top-up premium units.

TPD Benefit

Coverage for total and permanent disability. While not explicitly mentioned in the provided details, ILPs typically include TPD coverage similar to the death benefit.

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TM Wealth Enhancer Rider Options

The provided product details do not explicitly mention any rider options for TM Wealth Enhancer. Typically, ILPs may offer additional riders to enhance coverage, but in this case, the focus appears to be on the investment component and the built-in death benefit. For more information on potential rider options, it would be best to consult directly with a Tokio Marine representative.

TM Wealth Enhancer Investment Component

The investment component of TM Wealth Enhancer is designed to offer flexibility and potential growth for your wealth. With a range of fund options and the ability to adapt your investment strategy, this plan caters to various investor profiles and changing market conditions. Let's explore the key aspects of the investment component:

Fund Options

Diverse selection available. Choose from a range of funds including high-risk, high-yield options and more conservative, steady-growth funds to match your investment preferences.

Investment Strategies

Flexible management approach. While specific strategies aren't detailed, the plan allows for a mix of bond and equity funds, enabling diversification based on individual goals and risk tolerance.

Fund Switching

Easy reallocation of investments. Switch your fund holdings at any time at no additional charge to adapt to changing investment goals or market conditions.

Performance Tracking

Transparent fund performance. Fund prices are updated daily on relevant websites, allowing easy tracking of your investment performance.

Fees and Charges

Understanding the fees and charges associated with TM Wealth Enhancer is crucial for making an informed decision. While the product details provided don't specify exact figures for all charges, they do highlight some key aspects of the fee structure. Here's an overview of the typical charges associated with this type of ILP:

Premium Allocation

100% allocation from start. The plan offers 100% premium allocation right from the beginning, maximizing the amount invested in your chosen funds.

Policy Administration

Ongoing management fees. While not explicitly stated, ILPs typically include a policy administration charge to cover the cost of managing your policy.

Fund Management

Investment oversight costs. Each fund will have its own management charge, which is factored into the unit price of the fund.

Surrender Charges

Early termination fees. The product summary mentions potential high costs for early termination, indicating the presence of surrender charges.

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Flexibility and Customization

TM Wealth Enhancer stands out for its flexibility, allowing you to adapt your investment strategy and policy features to your changing needs and market conditions. This adaptability ensures that your investment remains aligned with your financial goals throughout the policy term. Let's explore the key customization options:

Premium Top-ups

Boost your investment. Make ad-hoc top-ups with a minimum of S$1,200 or set up regular top-ups starting from S$300 monthly to capitalize on market opportunities.

Partial Withdrawals

Access funds when needed. Make withdrawals at any time, providing liquidity when you require it, subject to maintaining minimum account values.

Premium Holiday

Pause premium payments. While not explicitly mentioned, many ILPs offer this feature to provide flexibility during financial constraints.

Adjustable Coverage

Tailor your protection. The plan allows for potential adjustments to your insurance coverage, though specific details are not provided in the given information.

Conclusion

TM Wealth Enhancer offers a compelling solution for several types of investors. It's particularly well-suited for individuals looking to maximize their CPF savings through strategic investments, as it allows the use of funds from either CPFIS-OA or CPFIS-SA. This plan is ideal for those seeking a balance between potential investment growth and life insurance coverage. Additionally, it caters to investors who value flexibility, allowing them to adapt their investment strategy over time through fund switching and top-ups.
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