Which annuity plan offers the highest guaranteed?

Hi anon,

This really depends on a number of factors, such as

• Your current age

• The premium payment term

• The age you want your payouts to start (and by extension, the amount of time you have to accumulate)

• The duration of the payouts

In general, Aviva and Manulife tend to have very similar guaranteed returns. NTUC is slightly behind, but still decent. However, I would urge you to speak with an independent financial advisor in order to understand the choices that suit your particular situation. You'll also need to understand the finer details between the plans that may affect your decision (e.g. NTUC's definition of disability is different from the defintions adopted by Manulife), which an advisor should be able to highlight to you.

NTUC policies have recently shown to give one of if not the highest guaranteed amounts. WealthSolitaire and GroPrimeSaver and the new GroCash Harvest are possible options.

Another option would also be China Taiping Infinite Harvest, slightly higher guaranteed as compared to NTUC Wealth Solitaire.