Does anyone have any thoughts about AIA Platinum Wealth Elite?

Before you decide, you should have a clear understanding about your risk appetite, capital, as well as on the investment horizon (i.e. years to retirement).

AIA Platinum Wealth Elite is a bespoke investment-linked policy. Accordingly, the returns are non-guaranteed - depends on the yield from the underlying fund. Therefore, you must be comfortable with the non-guaranteed returns in your portfolio.

Unlike traditional policies, AIA Platinum Wealth Elite covers up to age 122 (instead of age 100 by industry standard). Accordingly, it can be used for legacy management in your later years.

Like some of the investment-linked policies available in the market, there is a feature of income withdrawal from the 11th policy year onwards - this does not reduce the current sum insured.

A unique feature of AIA Platinum Wealth Elite is the selection of its fund managers:

1. Baillie Gifford - one of UK's largest and oldest investment maangement firm with US$252Billion in AUM

2. Wellington Management - Private, independent investment management firm to more than 2,200 institutions over 60 countries with US$1Trillion in AUM

3. BlackRock - operates from 25 primary investment centres globally with US$6.5Trillion AUM

From their experise, three custom portfolios are created for your selection based on your risk profile.

All in all, it can potentially be a solution for your retirement and legacy needs. However, the best way to find the best fit is to know your current portfolio and see if AIA Platinum Wealth Elite fits into your portfolio and needs.

Here is everything about me and what I do best.

I always ask for alternative from other advisors.

Why is this product better than if you invest with other provider etc etc.

What are the nett returns after premium payment is done, and nett future value as compared to other products with the same funds and etc.
Must always have apple to apple (or at least complementary/alternative). If can't how to make better decision?