Investment Linked Plan

Harvest Max: Cultivating Your Financial Future

In today's fast-paced world, planning for the future has never been more crucial. Whether you're dreaming of financial freedom, seeking resilience against life's challenges, or aiming for personal breakthroughs, Tokio Marine's Harvest Max is designed to help you achieve your financial aspirations . Let's dive deep into this innovative wealth management solution and explore how it can help you cultivate a prosperous future.

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What is Harvest Max?

Harvest Max is a medium to long-term investment-linked plan (ILP) offered by Tokio Marine Life Insurance Singapore Ltd. It's part of their Harvest Series, which aims to deliver on the promise of attaining your future financial aspirations. This plan is designed to provide financial flexibility, growth potential, and protection , all while adapting to your changing needs over time.

Key Features of Harvest Max

100% Investment of Regular Premiums

Your entire regular premium is invested into the investment fund(s) of your choice, maximizing your growth potential from day one.

Multiple Bonus Payouts

Harvest Max offers several bonuses to boost your wealth growth: Initial Bonus (up to 45% in Year 1), Performance Investment Bonus (from Year 4), and Loyalty Bonus and Power-up Bonus for long-term commitment.

Capped Investment Charges

Tokio Marine limits the policy investment charges to optimize your policy value as your investment grows.

Flexible Investment Options

Choose from a suite of premier funds, receive dividend payouts or reinvest, make unlimited top-ups and fund switches, and invest in 5 different currencies : SGD, USD, GBP, AUD, and EUR.

Legacy Planning

Enroll up to 4 life assureds, allowing you to transfer your wealth to loved ones .

Protection Benefits

Advanced Death Benefit to protect against market downturns during the Minimum Investment Period. Optional riders for enhanced protection without medical underwriting.

Why compare TM Harvest 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 Harvest Max Works

Year 1: Kick Start

100% of your regular premium is invested. Receive up to 45% Initial Bonus to boost your investment.

Years 2-3: Building Momentum

Continue regular premium payments. Your investment grows based on fund performance.

Year 4 onwards: Accelerate

Performance Investment Bonus kicks in , rewarding your investment success. This unique bonus continues until Year 15, providing ongoing growth potential.

Year 15 onwards: Realizing Goals

Loyalty Bonus and Power-up Bonus reward your long-term commitment. Continue to enjoy potential growth and flexibility in your investment.

The Harvest Max Advantage

Future is Freedom

Access to a wide array of best-in-class curated investment funds, potential for passive income, and flexibility to adapt your investment strategy.

Future is Resilience

Reduced net charges and limited investment charges aim to maximize your policy value over time .

Future is Evolution

100% investment of regular premiums and multiple bonus payouts, including the unique Performance Investment Bonus from Year 4.

Future is Breakthrough

First-in-market Performance Investment Bonus aligns Tokio Marine's interests with yours.

Future is Success

Combination of capped charges, exceptional flexibility, and strategically positioned bonus payouts for achieving financial success.

Real-Life Scenario

Meet James, a 32-year-old professional looking to grow his wealth over the medium to long term. Here's how Harvest Max could work for him:

  • Year 1: James invests his regular premium, boosted by the Initial Bonus of up to 45% .
  • Year 4: James starts receiving the Performance Investment Bonus , accelerating his wealth growth.
  • Years 5-14: James continues to benefit from potential fund growth and Performance Investment Bonuses.
  • Year 15: James receives the Loyalty Bonus and Power-up Bonus , rewarding his commitment.
  • Year 16 onwards: James has the flexibility to continue growing his wealth or start taking partial withdrawals for passive income.

Throughout this journey, James enjoys the flexibility to switch funds, make top-ups, or even pause premium payments if needed, all while potentially still qualifying for the Performance Investment Bonus.

Unique Selling Points of Harvest Max

Market-First Performance Investment Bonus

This innovative feature rewards your investment success from as early as Year 4, potentially boosting your returns significantly.

Flexibility Without Compromise

Maintain eligibility for bonuses even if you need to adjust your investment strategy.

Comprehensive Fund Selection

A dedicated suite of premier funds to tailor your investment to your specific financial goals and risk tolerance.

Multi-Currency Options

Invest in five different currencies for global diversification and currency management.

Advanced Death Benefit

Extra layer of protection during the Minimum Investment Period, safeguarding against market downturns.

Important Considerations

While Harvest Max offers numerous benefits, it's essential to consider:

  1. Investment Risks : Returns are not guaranteed, and there's a possibility of losing the principal amount invested.
  1. Long-Term Commitment : Early termination may result in high costs and a surrender value less than the total premiums paid.
  1. Charges : While capped, charges still impact your returns. Understand the fee structure fully.
  1. Fund Performance : The performance of your chosen funds will significantly impact your overall returns.

Conclusion

Harvest Max represents an innovative approach to wealth management, combining the growth potential of investment-linked plans with unique features designed to reward long-term commitment and investment success. Its flexibility and bonus structure make it an attractive option for those looking to cultivate their wealth over the medium to long term.

However, as with any financial decision, it's crucial to carefully consider your personal circumstances, financial goals, and risk tolerance before committing to Harvest Max. Consulting with a financial advisor can help you determine if this plan aligns with your overall financial strategy .

Ready to explore how Harvest Max can help cultivate your financial future? Don't rely on just one perspective. Get expert insights tailored to your unique situation . Sign up now to receive 5 expert opinions on how Harvest Max or similar investment-linked plans could fit into your financial strategy. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.

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