Are you looking to kickstart your investment journey with a powerful boost ? Do you want to maximize your potential returns while having the flexibility to adapt to life's changes? If so, AIA Pro Achiever 2.0 might be the investment solution you've been searching for. Let's dive deep into what this plan offers and how it can help you achieve your financial goals.
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AIA Pro Achiever 2.0 is an investment-linked plan (ILP) designed to give your investment journey a strong start and continuous momentum . It's not just about investing; it's about investing smarter and bigger from day one. This plan offers a unique combination of features that set it apart from traditional investment options:
Your entire premium is invested from the start, maximizing your potential for returns right from the beginning.
Welcome Bonus: Up to 23% in the first 3 policy years b>Special Bonus: 5% from the 10th policy year, increasing to 8% from the 21st year onwards
Exclusive access to AIA Elite Funds, managed by AIA Investments, which oversees over USD283.7 billion in assets.
Options to reduce premiums, take premium holidays, make partial withdrawals, and switch funds freely.
Death coverage and legacy planning options are included.
5% in the 1st policy yearbr>8% in the 2nd policy yearbr>10% in the 3rd policy year
5% from the 10th to 20th policy yearbr>8% from the 21st policy year onwards
No more supplementary charges after paying 11 years of annual premiums.
Start investing without health questions or medical examinations.
Reduce premium after 4 years, take premium holidays, make partial withdrawals after 11 years, switch funds for free, make ad-hoc top-ups
Choose from AIA Elite Funds or AIA Guided Portfolios, leveraging expertise from global investment leaders.
| Age | What suggestion covers | Premium |
|---|---|---|
| 24, Female making $3,333.333 a month | critical illness $60,000 death and disability $120,000 | $2,400 |
Both options are available in USD and SGD denominations, allowing you to align your investments with your currency preferences.
Managed by AIA Investments, these funds give you access to institutional-grade investments. Choose from:br>- AIA Elite Conservative (Low to Medium Risk)br>- AIA Elite Balanced (Medium to High Risk)br>- AIA Elite Adventurous (Higher Risk)
Designed with insights from Mercer Investments, these portfolios offer a selection of retail funds:br>- Pro Cautiousbr>- Pro Balancedbr>- Pro Adventurous
Let's look at Jeff, a 30-year-old who starts an AIA Pro Achiever 2.0 plan:
Here's how his investment could grow:
Year 1-3: Receives welcome bonuses totaling S$2,300br>Year 10-20: Receives S$500 special bonus annuallybr>Year 21 onwards: Receives S$800 special bonus annually
If Jeff passes away at age 60, Lucas becomes the new insured. At age 75 (policy year 45), Lucas could potentially have a policy value of S$6,211,300 - that's 10.35 times the total premiums paid!
This example assumes an 8% p.a. return (before deducting the 1.45% annual fund management charge). Remember, actual returns may vary.
While AIA Pro Achiever 2.0 offers attractive features, it's important to understand some key points:
Investment Risks: Like all investments, there's a risk of losing the principal amount invested.
Non-Guaranteed Returns: The actual policy value depends on the performance of the chosen funds.
Charges: Various charges apply, including premium charges on top-ups and withdrawal charges in the early years.
Long-Term Commitment: This plan is designed for long-term investment. Early termination may result in significant costs.
Not a Savings Product: There's no cash value if the policy ends or is terminated prematurely.
This plan could be ideal for:
Young professionals looking to kickstart their investment journey
Parents wanting to invest for their children's future
Individuals seeking a flexible investment plan with additional life coverage
Those comfortable with some investment risk in pursuit of potentially higher returns
Yes, you can switch funds for free to adapt to market conditions or your changing risk appetite.
You can opt for a premium holiday, but charges may apply if taken before paying 11 years of premiums.
Yes, partial withdrawals are allowed, but charges apply if made before paying 11 years of premiums.
Check with an AIA Financial Services Consultant for the current minimum premium requirements.
This is an investment product with potential for higher returns but also carries investment risks. It's not guaranteed like a savings account.
AIA Pro Achiever 2.0 offers a powerful way to kickstart and boost your investment journey . With its attractive bonuses, access to institutional-grade investments, and flexibility to adapt to life's changes, it's designed to help you maximize your potential returns. However, like all investments, it comes with risks and requires careful consideration.
Remember, the best investment plan is one that aligns with your financial goals, risk tolerance, and life circumstances. While AIA Pro Achiever 2.0 offers attractive features, it's crucial to thoroughly understand the product and consider how it fits into your overall financial plan.
Ready to explore if AIA Pro Achiever 2.0 is right for you? Don't make this decision alone. Get expert insights tailored to your unique financial situation. Sign up now to receive 5 expert opinions on how AIA Pro Achiever 2.0 could fit into your investment strategy. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of how this investment plan could work for you, and ensure you're making the best choice for your financial future. Don't leave your investment decisions to chance – get the expert advice you deserve today.
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