Are you looking for a way to invest for your future while also securing protection for yourself and your loved ones? Singlife Savvy Invest II might be the solution you've been searching for. This innovative whole life, regular premium investment-linked plan offers a unique combination of investment opportunities and insurance protection . Let's dive deep into what this plan offers and how it can help you achieve your financial goals.

Singlife Savvy Invest II is a comprehensive financial product that combines investment and insurance . It's designed to give you control over your financial future by offering diverse investment opportunities while providing protection against death and Terminal Illness. This plan is perfect for those who want to grow their wealth over time while ensuring their loved ones are protected .

Let's look at an example to better understand how this plan can work for you:

John, a 35-year-old non-smoker, applies for Singlife Savvy Invest II with a fixed Minimum Investment Period of 10 years and an annual premium of S$6,000.

• Year 1: John receives a Welcome Bonus of S$600 , boosting his initial investment.

• Year 3: John's account value grows to S$20,146 (111% of premiums paid to date).

• Year 5: John uses the Life Stage Benefit to withdraw S$2,000 penalty-free for his newborn's expenses.

• Year 11: John completes his Minimum Investment Period and receives his first Loyalty Bonus of 0.3% of his account value.

• Year 12: John does a single premium top-up of S$2,000 to increase his investment.

• Year 20: John's account value grows to S$225,083 (187% of premiums paid to date) .

• Year 21: John receives a stepped-up Loyalty Bonus of 0.4% of his account value.

This example assumes an illustrated investment rate of return of 8% p.a. and an annual management charge of 1.30% p.a. It's important to note that these values are non-guaranteed and subject to the performance of the chosen ILP sub-funds .

To make an informed decision, it's important to understand the fees associated with this plan:

1. Administrative Charge: 0.60% per annum of the account value, deducted monthly.

2. Supplementary Charge: 1.90% per annum of the account value, deducted monthly for the first 10 policy years.

3. Cost of Insurance (COI): Based on age, gender, smoking status, and sum at risk.

4. Premium Shortfall Charge: Applies if any basic regular premium is not paid during the MIP.

5. Partial Withdrawal Charge: Applies to partial withdrawals during the MIP (except for Life Stage Benefit withdrawals).

6. Surrender Charge: Applies to full surrender during the MIP.

7. Premium Charge: No charge for basic regular premium and single premium top-up.

8. Fund Switch Fee: Currently no fee for ILP sub-fund switching.

9. Annual Management Charge: Varies depending on the chosen ILP sub-fund.

It's crucial to carefully consider these fees when evaluating the overall potential of your investment.

This plan could be an excellent choice if you:

• Want to combine investment and protection in one plan

• Desire flexibility in your investments and withdrawals

• Are looking for long-term wealth accumulation

• Want to leave a legacy for your loved ones

• Seek protection against unforeseen circumstances

However, it's important to remember that:

• Investment returns are not guaranteed

• Early termination may result in high costs and potential loss

• The plan requires a long-term commitment

Singlife Savvy Invest II offers a unique blend of investment opportunities and protection , giving you control over your financial future. With its flexible features, bonus structures, and comprehensive coverage, it can be an excellent tool for long-term wealth accumulation and family protection.

However, as with any financial decision, it's crucial to carefully consider your personal needs, financial situation, and long-term goals before committing to this plan. We recommend speaking with a qualified financial adviser who can provide personalized advice based on your specific circumstances.

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best plan for your financial future. Don't leave your investment and protection needs to chance – get the expert advice you deserve today.