Investment Linked Plan

TM goTreasures Secure: Your Key to Unlocking Wealth and Protection

In today's fast-paced financial world, finding the right balance between wealth accumulation and protection can be challenging. If you're looking for a flexible solution that offers both investment opportunities and financial security , TM goTreasures Secure might be the answer you've been searching for. Let's dive deep into what this product offers and how it can benefit you.

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What is TM goTreasures Secure?

TM goTreasures Secure is a versatile investment-linked insurance plan (ILP) offered by Tokio Marine Life Insurance Singapore. It's designed to help you build wealth over the medium to long term while providing protection against untimely death . This plan stands out for its flexibility, allowing you to adapt your investment strategy as your life circumstances change.

Key Features That Make TM goTreasures Secure Unique

Wealth Accumulation

  • Initial Bonus: Receive up to 186% bonus over the first 3 years

  • High Loyalty Bonus: Earn up to 1.2% per annum

  • 100% Investment: All of your paid premiums are invested in funds

  • Income Stream: Build passive income through dividend-paying funds

  • Flexibility: Change the Life Assured according to your needs

Financial Flexibility

  • Adaptable Investments: Make premium top-ups, withdrawals, and free fund switches

  • Currency Options: Choose from up to 5 currencies

  • Premium Term: Select your preferred premium term from 10 to 30 years

Protection

  • Locked-in Policy Value: Preserve your wealth at its highest monthly policy value

  • No Medical Underwriting: Get coverage without medical examinations

Why compare TM goTreasures Secure 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

How Does TM goTreasures Secure Work?

Let's break down the key components:

Premium Payment

You choose a premium payment term between 10 to 30 years. This flexibility allows you to align the plan with your financial goals and capabilities.

Investment

100% of your paid premiums are invested in funds of your choice . This means your money starts working for you immediately.

Bonuses

Initial Bonus: You receive a substantial bonus of up to 186% over the first 3 years, giving your investment a strong start. Loyalty Bonus: From the 4th year onwards, you earn additional bonuses: 0.55% per annum from policy years 4-10, 1.05% or 1.2% per annum from policy year 11 onwards (depending on your premium payment term).

Fund Selection

You have the freedom to choose from a range of funds, including dividend-paying options for passive income.

Flexibility

Throughout the policy term, you can make premium top-ups, perform partial or regular withdrawals, switch between funds, modify your coverage to include family members, and transfer the policy to your children for legacy planning.

Protection

The unique High Watermark Locked-in Value feature preserves your wealth at its highest monthly policy value , protecting you against market volatility.

Real-Life Scenarios: How TM goTreasures Secure Adapts to Your Life Stages

Starting a Family

When you start a family, you can modify your policy to add your spouse and children as Lives Assured, ensuring comprehensive family protection.

Receiving a Windfall

If you receive a bonus or inheritance, you can make a one-time premium top-up to boost your policy value and potential returns.

Financial Restructuring

During times of financial strain, you can opt for a premium reduction to free up some funds without completely abandoning your long-term financial goals.

Market Opportunities

When market conditions change, you have the flexibility to switch funds, potentially maximizing your returns.

Major Life Events

Whether it's funding your child's education, taking a sabbatical, or making a significant purchase, you can access your funds through partial or regular withdrawals.

Legacy Planning

As you age, you can transfer the policy to your children, ensuring your wealth is passed on efficiently.

The Power of the High Watermark Locked-in Value

One of the standout features of TM goTreasures Secure is the High Watermark Locked-in Value . Here's how it works:

• At every policy monthiversary, the peak policy value is recorded.

• The highest monthly value throughout the policy's lifetime is locked in.

• This locked-in value serves as a protection against market volatility.

• In the event of a claim, the higher of the current policy value or the locked-in value is paid out.

This feature provides a unique combination of growth potential and downside protection, allowing you to invest more confidently in higher-risk, higher-reward funds.

Pros and Cons of TM goTreasures Secure

Pros

  • High initial and loyalty bonuses boost your investment

  • 100% of premiums are invested, maximizing growth potential

  • Flexibility to adapt the policy as your life circumstances change

  • Unique High Watermark Locked-in Value protects against market volatility

  • No medical underwriting required

  • Multiple currency options

Cons

  • As an investment-linked plan, returns are not guaranteed

  • Early termination may result in significant losses

  • Complexity of features may be overwhelming for some investors

Who Is TM goTreasures Secure Ideal For?

This plan is well-suited for:

• Medium to long-term investors looking for wealth accumulation

• Individuals seeking a balance of investment opportunities and protection

• Those who value flexibility in their financial products

• Investors comfortable with some level of market risk

• People looking for efficient legacy planning solutions

Frequently Asked Questions

Can I change my premium payment term after purchasing the policy?

You should check with Tokio Marine about the options for changing your premium term after purchase.

What happens if I miss a premium payment?

The policy typically has a grace period, but prolonged non-payment may result in policy lapse.

Are the returns guaranteed?

No, as an investment-linked plan, returns are subject to market performance and are not guaranteed.

Can I access my funds in case of emergencies?

Yes, you can make partial withdrawals, but this may affect your policy value and benefits.

Is there a minimum investment amount?

You should check with Tokio Marine for the current minimum premium requirements.

Conclusion

TM goTreasures Secure offers a unique blend of wealth accumulation opportunities, financial flexibility, and protection . Its adaptability to various life stages and events makes it an attractive option for those seeking a comprehensive financial solution. However, like any investment product, it comes with risks and complexities that need careful consideration.

Before making a decision, it's essential to thoroughly understand the product features, assess your financial goals, and consider your risk tolerance. While TM goTreasures Secure offers numerous benefits, it's crucial to ensure it aligns with your overall financial strategy.

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