Investment Linked Plan

FWD Invest First Max: Accelerate Your Investment Growth

Are you looking for a way to supercharge your investment journey ? FWD Invest First Max might be the solution you've been searching for. This regular premium investment-linked plan offers a unique combination of attractive bonuses, reducing charge rates, and competitive break-even yield . Let's dive into the details of this innovative product and see how it can help you achieve your financial goals.

Investment Growth Calculator

Visualize your investment's potential

  • Precise growth projections
  • Set realistic financial goals
  • Assess risks and rewards

What is FWD Invest First Max?

FWD Invest First Max is a regular premium investment-linked plan designed to help you grow your wealth over time . It combines the benefits of life insurance with investment opportunities, allowing you to protect your loved ones while potentially earning returns on your investment.

Key Features That Set FWD Invest First Max Apart

Attractive Bonuses

  • Booster Bonus: Up to 186% over the first 2 years of regular premium payments

  • Loyalty Bonus: Up to 1.1% per annum of accumulation units account value from the 3rd policy year onwards

  • Accumulation Bonus: Up to 3% per annum of accumulation units account value, with up to 4 payouts over the premium payment term

Reducing Charge Rates

Unlike many investment-linked plans that have constant charge rates, FWD Invest First Max features reducing charge rates over time . This applies to both the initial account charge (IAC) and accumulation account charge (AAC) rates.

Competitive Break-even Yield

The break-even yield is the annual fund growth rate required for you to start seeing returns on your investment. For FWD Invest First Max, this can be as low as 0.22% per year for a 25-year plan with a monthly premium of S$1,000.

Dividend Payout Option

You can choose to receive dividends as a stream of passive income, providing you with regular cash flow.

Auto-rebalancing Option

This complimentary service helps manage your portfolio risk by automatically adjusting your investments to maintain your desired asset allocation.

Why compare FWD Invest First Max 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

In summary: If you want more control and multiple suggestions, then Whatins is the way to go.

How FWD Invest First Max Works

Premium Payment

You choose a premium payment term between 10 to 30 years and pay regular premiums. The minimum monthly premium starts from S$300 for 20-30 year terms, and S$500 for 10-19 year terms.

Investment Allocation

Your premiums are invested in a range of funds offered by globally established fund managers. You have access to over 50 funds to choose from .

Bonus Crediting

Throughout your policy term, you'll receive various bonuses that boost your investment growth: Booster Bonus in the first two years, Loyalty Bonus from the third year onwards, and Accumulation Bonus at specific intervals.

Reducing Charges

As your policy progresses, the charge rates decrease, allowing more of your money to work for you.

Flexibility Options

  • Access your money through penalty-free withdrawals from the 25th month onwards

  • Take premium holidays when needed

  • Make unlimited free fund switches

  • Top up your investment anytime

Real-Life Example

Let's look at how FWD Invest First Max might work for John, a 30-year-old looking to retire comfortably at 60:

  • John purchases FWD Invest First Max with a monthly premium of S$1,000 for 30 years
  • At age 61, John can choose to:

Option 1: Receive S$3,000 monthly to support his retirement income

Option 2: Surrender his policy and receive a lump sum of S$1,054,244 (projected at 8% p.a. investment return)

Pros and Cons

Pros

  • Attractive bonuses to boost investment growth

  • Reducing charge rates over time

  • Competitive break-even yield

  • Flexibility to adjust premiums and make withdrawals

  • Wide range of funds to choose from

  • Complimentary auto-rebalancing option

Cons

  • Investment returns are not guaranteed

  • Charges apply, which can impact overall returns

  • Early surrender may result in significant losses

  • Complexity of the product may be challenging for some to understand

Who Is FWD Invest First Max Suitable For?

This plan might be a good fit if you:

  • Are looking for long-term wealth accumulation
  • Want the potential for higher returns compared to traditional savings plans
  • Appreciate flexibility in your investments
  • Are comfortable with some level of investment risk
  • Have a long-term financial horizon (10-30 years)

Important Considerations

  • The policy value is not guaranteed and depends on the performance of your chosen funds

  • There are various charges associated with the policy, including initial account charge, accumulation account charge, and surrender charge

  • The plan offers a death benefit of 105% of the policy value

  • You can change your policy currency from the 25th month onwards at no charge

Conclusion

FWD Invest First Max offers an innovative approach to long-term wealth accumulation , combining attractive bonuses, reducing charges, and investment flexibility. However, like all investment-linked plans, it comes with risks and complexities that need careful consideration.

Before making a decision, it's crucial to thoroughly understand the product features, assess your financial goals, and consider your risk tolerance. While the potential for higher returns is appealing, remember that investment performance is not guaranteed , and you could potentially lose some or all of your invested capital.

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