Investment Linked Plan

TM Wealth Pro: Shaping Your Financial Future with Flexibility and Growth

In today's ever-changing financial landscape, finding an investment solution that adapts to your evolving needs while maximizing growth potential can be challenging. Enter TM Wealth Pro , an innovative wealth management solution designed by Tokio Marine Life Insurance Singapore Ltd. to help you achieve your medium to long-term financial aspirations. Let's dive deep into what makes TM Wealth Pro stand out and how it can help shape your financial future.

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What is TM Wealth Pro?

TM Wealth Pro is part of Tokio Marine's Wealth Series, a suite of wealth management solutions aimed at helping you attain your future financial aspirations. It's an Investment-Linked Policy (ILP) that combines the flexibility of unit trusts with the protection benefits of life insurance . This product is designed for those looking to build wealth over the medium to long term while enjoying the flexibility to adapt their investment strategy as life evolves.

Key Features That Set TM Wealth Pro Apart

100% Investment of Regular Premiums

Every dollar of your regular premium goes directly into your chosen investment funds , maximizing your investment potential from day one.

Multiple Bonus Payouts

Enjoy Initial Bonus up to 43% in Year 1 , first-in-market Performance Investment Bonus from as early as Year 4 , and Loyalty and Power-up Bonuses for long-term commitment.

Capped Investment Charges

Limits on policy investment charges help optimize your policy value , ensuring more of your money works for you.

Flexible Investment Options

Choose from a wide range of curated investment funds , with options for dividend payouts or reinvestment, and multiple currency choices (SGD, USD, GBP, AUD, EUR).

Enhanced Protection

Benefit from Advanced Death Benefit during the Minimum Investment Period and optional riders for additional protection.

Adaptable to Life Changes

Enjoy unlimited top-ups, partial withdrawals, and fund switches , plus Involuntary Unemployment and Hospitalisation Benefit for added flexibility.

Why compare TM Wealth Pro 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 Wealth Pro Work?

Let's break down the key components of TM Wealth Pro:

Initial Investment Boost

In the first year, 100% of your regular premium is invested into your chosen funds, plus you receive up to 43% of your premium as an Initial Bonus , giving your investment a significant head start.

Performance-Based Rewards

From as early as Year 4, you can start earning a Performance Investment Bonus , potentially accelerating your wealth growth when your investments perform well.

Long-Term Commitment Rewards

Unlock additional bonuses as you continue your investment journey: Loyalty Bonus and Power-up Bonus provide extra boosts to your investment.

Flexible Fund Selection

Choose from a wide array of investment funds , including dividend-paying options. Opt to receive dividends as passive income or reinvest for potential growth.

Adaptable Investment Strategy

Adjust your strategy through unlimited top-ups, partial withdrawals, and fund switches as your life circumstances change.

Protection Features

Benefit from Advanced Death Benefit during the Minimum Investment Period and optional riders to enhance your protection.

Multi-Currency Options

Choose from 5 different currencies (SGD, USD, GBP, AUD, EUR) to align with your financial goals and risk tolerance.

Real-Life Scenario

Let's consider Jason, a 31-year-old professional looking to grow his wealth over the long term:

Year 1: Jason starts his TM Wealth Pro plan. His entire premium is invested, plus he receives an Initial Bonus of up to 43%, giving his investment a strong start.

Years 4-10: Jason's investments perform well, triggering the Performance Investment Bonus. This additional boost accelerates his wealth accumulation.

Year 11 onwards: Jason continues to benefit from the Loyalty Bonus and Power-up Bonus, rewarding his long-term commitment to the plan.

Throughout his journey, Jason enjoys the flexibility to adjust his investment strategy as his life evolves, whether it's switching funds, making top-ups, or partial withdrawals to meet changing financial needs.

Pros and Cons

Pros

  • 100% investment of regular premiums

  • Multiple bonus structures to boost wealth growth

  • Flexibility to adapt to changing life circumstances

  • Wide range of investment options, including dividend-paying funds

  • Multi-currency choices

  • Protection features included

Cons

  • Long-term commitment required for optimal benefits

  • Investment risks apply (as with all investment-linked products)

  • Performance Investment Bonus subject to meeting growth criteria

Who Is TM Wealth Pro Ideal For?

TM Wealth Pro is well-suited for:

  • Individuals looking for medium to long-term wealth accumulation
  • Those who value investment flexibility and the ability to adapt their strategy over time
  • Investors seeking a balance of growth potential and protection features
  • People who want the option to create a passive income stream through dividend-paying funds

Frequently Asked Questions

Is there a minimum investment amount?

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

Can I change my investment funds after starting the plan?

Yes, TM Wealth Pro offers unlimited fund switches .

What happens if I need to pause premium payments?

The plan includes an Involuntary Unemployment and Hospitalisation Benefit , allowing for premium payment breaks in certain circumstances.

Are there any medical requirements to start this plan?

No medical underwriting is required for the basic plan.

Can I add more life assureds to the plan?

Yes, you can enroll up to 4 life assureds, making it a potential tool for legacy planning.

Conclusion

TM Wealth Pro offers a unique combination of investment flexibility, growth potential, and protection features . Its innovative bonus structure, including the first-in-market Performance Investment Bonus, sets it apart in the realm of investment-linked policies. While it requires a long-term commitment for optimal benefits, the plan's adaptability to changing life circumstances makes it an attractive option for those looking to build wealth over time.

As with any financial decision, it's crucial to carefully consider your personal goals, risk tolerance, and overall financial situation before committing to TM Wealth Pro or any investment plan. The flexibility and potential rewards of this plan are appealing, but they come with the inherent risks of market-linked investments.

Ready to explore how TM Wealth Pro can fit into your financial strategy? 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 TM Wealth Pro or similar investment-linked policies can help you achieve your financial goals. These professionals will review your specific circumstances 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 strategy for your financial future. Don't leave your wealth-building journey to chance – get the expert advice you deserve today.

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