It depends on your needs and your objective. What's more, you will need to ascertain whether you are capable to DIY invest. Otherwise, seeking professional advice is a good idea. Here is a brief introudction to the three plans.
AIA Pro Achiever
This is an investment-linked policy where 100% of your premium is invested from day 1. From the end of the 12th year onwards, your premium allocation increases to 105% every year. As for charges, the supplementary charges is only for the first 12 years.
Moreover, you can tap on the expertise from global investment firms like Mercer to give you professional advice on asset allocation.
By the way, this is the latest investment result from AIA: AIA Investment-Linked Fund Performance Update
AIA Smart Flexi Rewards
This is an endowment policy where your premium is invested into the insurance company's participating fund.
More Details:
What is a Participating Fund?
As a result, the associated risk is handled by the insurance company and you receive returns in the form of bonuses.
More Details:
Reversionary Bonus and Terminal Bonus Singapore
AIA Wealth Pro Advantage
This is a combination of an endowment and an investment-linked policy. The advantage of this lies in its limited pay feature while your wealth continues to grow for life.
Like AIA Pro Achiever, you can tap on the expertise from Mercer to create an optimised portfolio based on their research.
The only way to know whether any of the above can be recommeneded to you is by knowing you. Otherwise, it will be reckless advice.
I share quality content on estate planning and financial planning here.
It depends on your needs and your objective. What's more, you will need to ascertain whether you are capable to DIY invest. Otherwise, seeking professional advice is a good idea. Here is a brief introudction to the three plans.
AIA Pro Achiever
This is an investment-linked policy where 100% of your premium is invested from day 1. From the end of the 12th year onwards, your premium allocation increases to 105% every year. As for charges, the supplementary charges is only for the first 12 years.
Moreover, you can tap on the expertise from global investment firms like Mercer to give you professional advice on asset allocation.
By the way, this is the latest investment result from AIA: AIA Investment-Linked Fund Performance Update
AIA Smart Flexi Rewards
This is an endowment policy where your premium is invested into the insurance company's participating fund.
More Details:
What is a Participating Fund?
As a result, the associated risk is handled by the insurance company and you receive returns in the form of bonuses.
More Details:
Reversionary Bonus and Terminal Bonus Singapore
AIA Wealth Pro Advantage
This is a combination of an endowment and an investment-linked policy. The advantage of this lies in its limited pay feature while your wealth continues to grow for life.
Like AIA Pro Achiever, you can tap on the expertise from Mercer to create an optimised portfolio based on their research.
The only way to know whether any of the above can be recommeneded to you is by knowing you. Otherwise, it will be reckless advice.
I share quality content on estate planning and financial planning here.