Investment Linked Plan

Manulife InvestReady Wealth (II): Your Gateway to Flexible and Diverse Investing

Are you looking for a way to grow your wealth while maintaining flexibility and access to a wide range of investment options ? Manulife's InvestReady Wealth (II) might be just what you're looking for. This whole-life regular-premium investment-linked plan offers a unique combination of investment opportunities, bonuses, and optional protection features. Let's dive deep into what this plan offers and how it could benefit you.

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What is Manulife InvestReady Wealth (II)?

InvestReady Wealth (II) is a comprehensive investment-linked insurance plan that allows you to invest in over 100 funds, including dividend-paying options . It's designed to give you the flexibility to build a diverse investment portfolio while also providing life insurance coverage.

Key Features and Benefits

Welcome Bonus

Get a head start on your investments with a welcome bonus in the first policy year . This bonus comes in the form of additional units added to your account.

Loyalty Bonus

Enjoy yearly loyalty bonuses after the end of your chosen Minimum Investment Period (MIP). This rewards you for staying committed to your investment plan.

100% Investment Allocation

All of your regular basic premiums are used to purchase fund units . This means your money goes straight to work for you, maximizing your investment potential.

Flexibility

  • Vary your regular basic premium after the MIP (for certain plan types)br>- Make partial withdrawals (subject to certain conditions)br>- Top up your premium at any time

Wide Range of Funds

Choose from over 100 funds to build a portfolio that aligns with your financial goals and risk tolerance.

Potential Income

If you invest in dividend-paying unit trust funds, you can start receiving potential income from as early as the first policy year .

Real premiums suggested for Manulife InvestReady Wealth (II)

31, Female making $4,166.667 a month

Coverage:
death and terminal illness:
type
higher of
amount
101% of total premiums paid or account value
Premium:
Not provided
Read More

23, Female making $5,500 a month

Coverage:
death
terminal illness
Premium:
Not provided
Read More

44, Female making $12,500 a month

Coverage:
Premium:
$1,000
Read More
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How It Works: Two Scenarios

Scenario 1: Receiving Potential Income

Tim chooses the MIP 20 Years Flexi Plan with an annual premium of S$12,000. He selects dividend-paying funds with a potential 4% annual dividend payout and opts to receive this income. br>- Welcome Bonus: S$7,200 in the first yearbr>- Potential yearly income: Starting from S$799 in Year 1, increasing to S$11,693 in Year 20br>- Illustrated Account Value at Year 20: S$281,498 (117% of initial capital)br>- Total potential dividends over 20 years: S$117,406br>-b>Total potential return: S$398,904 (166% of initial capital)

Scenario 2: Reinvesting Dividends

In this scenario, Tim chooses the same plan but opts to reinvest his dividends for maximum growth. br>- Welcome Bonus: S$7,200 in the first yearbr>-b>Illustrated Account Value at Year 20: S$453,572 (189% of initial capital) br>br>Note: These scenarios are based on an illustrated investment rate of return of 8% p.a. and are not guaranteed.

Plan Options and Minimum Premiums

InvestReady Wealth (II) offers several Minimum Investment Period (MIP) options:

  • 3 Years (Renewable)br>- 5 Years (Renewable)br>- 10 Yearsbr>- 3 Years Flexi (Renewable)br>- 10 Years Flexibr>- 20 Years Flexi

Minimum premiums vary based on the MIP chosen, ranging from S$200 per month for the 20 Years Flexi plan to S$20,000 per year for the 3 Years Flexi plan .

Additional Features

Adhoc Premium Top-up

You can top up your premium (minimum S$2,500) at any time with no top-up charge.

Partial Withdrawal

Access your account value through partial withdrawals, subject to certain limits and charges during the MIP.

Premium Payment Options

Pay in SGD for all plan options, or USD for specific plans.

Why Compare Manulife InvestReady Wealth (II) 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

Important Considerations

Long-term Commitment

This is a long-term investment. Early termination may result in significant costs .

Investment Risks

Your investments are subject to market risks, and you may lose the principal amount invested.

Non-Guaranteed Returns

The performance of the InvestReady Funds is not guaranteed. Unit prices and income may fall as well as rise.

Distribution Policy

Fund distributions are not guaranteed and may be made from income, net capital gains, and/or capital.

Who Is This Plan Suitable For?

InvestReady Wealth (II) could be a good fit for you if:

  1. You're looking for a flexible investment plan with a wide range of fund options
  1. You want the potential for regular income through dividend-paying funds
  1. You're comfortable with market risks and understand that returns are not guaranteed
  1. You're seeking a long-term investment solution with life insurance coverage
  1. You appreciate the ability to adjust your premiums and make partial withdrawals

Conclusion

Manulife InvestReady Wealth (II) offers a unique combination of investment flexibility, potential income, and insurance coverage . With its wide range of fund options and flexible features, it can be tailored to suit various financial goals and risk appetites. However, like all investments, it comes with risks, and returns are not guaranteed.

Before deciding, carefully consider your financial situation, investment objectives, and risk tolerance. Review all product documents thoroughly and seek professional advice to ensure this plan is the right fit for your financial journey.

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Why people were suggested Manulife InvestReady Wealth (II)

Joy
Joy, 31
GenderFemale
Monthly Income$4,166.667
Insurance Types Suggested
  • Investment Linked Plan
  • Endowment
Why Manulife InvestReady (III) was suggested:
The Manulife InvestReady (III) Investment Linked Plan (ILP) is recommended as it provides a flexible investment solution with potential for growth and income. Since the prospect's details are limited, an ILP allows for portfolio diversification across over 100 funds to align with their future goals. The plan offers bonuses to boost returns, and the ability to receive payouts from dividend-paying funds starting in the second month. With 101% coverage against death and terminal illness, it also provides a foundational layer of protection.
Ching Ling
Ching Ling, 44
GenderFemale
Monthly Income$12,500
Insurance Types Suggested
  • Endowment
  • Critical Illness
  • Whole Life
  • Term Life
  • Investment Linked Plan
Why Manulife InvestReady was suggested:
Similar to the Singlife Savvy Invest, the Manulife InvestReady is an investment-linked plan that allows the prospect to invest in a customized dividend portfolio. With a monthly premium of $1,000 for 10 years and a 45% start-up booster bonus in the first year, the plan can potentially generate dividends of around 5-7% from the first month onwards, contributing to the prospect's retirement income.
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