Investment Linked Plan

FWD Invest Goal Flexi: Your Path to Accelerated Wealth Accumulation

Are you a successful professional who's been so focused on your career that you've put wealth building on the back burner? Do you now find yourself looking to accelerate your wealth accumulation without it taking up too much of your time and attention ? If so, FWD Invest Goal Flexi might be the solution you've been searching for. Let's dive into the details of this innovative investment-linked policy and see how it can help you reach your financial goals faster.

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What is FWD Invest Goal Flexi?

FWD Invest Goal Flexi is a regular premium investment-linked policy designed for busy professionals who want to maximize their wealth accumulation opportunities with a limited commitment period. This policy allows you to invest for either 3 or 5 years, providing flexibility that aligns with your financial goals and lifestyle.

Key Features That Make FWD Invest Goal Flexi Stand Out

Short Commitment Period

Choose between a 3-year or 5-year commitment period , allowing you to align your investment with your short to medium-term financial goals.

Booster Bonus

Kick-start your investment with a Booster Bonus of up to 20% of your regular premium paid in the first policy year.

Contribution Bonus

Receive a 2% per annum bonus on your regular premium when you continue paying for your investment beyond the initial commitment period until the end of policy year 10.

Loyalty Bonus

From policy year 11 onwards, enjoy a Loyalty Bonus of up to 2.25% per annum of your initial units account value.

Penalty-Free Withdrawals

From policy year 3 onwards, you can make two penalty-free withdrawals , providing flexibility when you need it most.

Involuntary Unemployment Benefit

In the event of involuntary unemployment, premium shortfall charges can be waived for up to 6 months .

Why compare Invest Goal Flexi 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 Goal Flexi Works

Let's look at a real-life scenario to understand how this policy can benefit you:

Meet Sarah, a 35-year-old professional looking for an investment policy that doesn't require a long-term commitment. She chooses FWD Invest Goal Flexi with the following details:

  • Minimum investment term: 10 years - (5 flexi)
  • Monthly contribution: S$2,000

Here's how Sarah's journey with FWD Invest Goal Flexi unfolds:

  • Year 1: Sarah receives a S$4,800 Booster Bonus to kick-start her investment journey.

  • Year 3: Due to unexpected retrenchment, Sarah is unable to pay her premiums. The Involuntary Unemployment Benefit waives her premium shortfall charge for 6 months.

  • Year 6-10: Sarah starts receiving an annual Contribution Bonus of S$480 .

  • Year 8: Sarah uses the Free Partial Withdrawal Benefit to withdraw S$10,000 for a trip to Europe.

  • Year 10: Sarah stops paying regular premiums and has accumulated S$279,058 in her policy (based on an 8% p.a. investment return rate).

  • Year 11 onwards: Sarah receives a 2.15% p.a. Loyalty Bonus on her initial units account value.

  • Year 15: Sarah sets up annual withdrawals of S$31,000 for the next 20 years, creating a stream of income for her retirement.

Flexibility and Customization

FWD Invest Goal Flexi offers several options to customize your policy:

Top-ups

Make single premium top-ups at any time to grow your investment further.

Partial Withdrawals

Make partial withdrawals to meet unexpected financial demands.

Premium Holiday

Take a break from paying premiums without charges from policy year 4 or 6 onwards, depending on your chosen minimum investment term.

Multiple Lives Application

Up to 1 policy owner and 2 persons insured can be included in a single policy.

Currency Options

Choose between SGD and USD for your policy.

Who Should Consider FWD Invest Goal Flexi?

This policy might be right for you if:

  • You've been putting off financial planning due to a busy lifestyle .

  • You're looking for an investment solution that doesn't require constant monitoring .

  • You want access to renowned fund managers but aren't sure how to get started.

  • You're between 18 and 65 years old (for the person insured).

  • You can commit to a minimum annual premium of S$6,000 (or US$4,500).

Conclusion

FWD Invest Goal Flexi offers a unique opportunity for busy professionals to accelerate their wealth accumulation with a short commitment period and an array of benefits. Its flexibility, bonuses, and access to professional fund management make it an attractive option for those looking to boost their financial growth without dedicating significant time to managing investments.

However, as with any financial product, it's crucial to carefully consider your personal circumstances, financial goals, and risk tolerance before making a decision. The policy's charges and potential risks should also be weighed against its benefits.

Ready to take the next step in your wealth accumulation journey? Don't rely on just one perspective. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on investment-linked policies. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.

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