Investment Linked Plan

Introducing Harvest Pro: Your Path to Financial Freedom and Success

Are you looking for a flexible, long-term investment solution that can help you achieve your financial goals? Tokio Marine's Harvest Pro might be just what you need. This innovative investment-linked plan (ILP) is designed to help you grow your wealth, provide financial security, and offer the flexibility to adapt to life's changing circumstances . Let's dive deep into what Harvest Pro has to offer and how it can help shape your financial future.

Investment Growth Calculator

Visualize your investment's potential

  • Precise growth projections
  • Set realistic financial goals
  • Assess risks and rewards

Understanding Harvest Pro

Harvest Pro is part of Tokio Marine's Harvest Series, a suite of wealth management solutions aimed at helping you attain your future financial aspirations. This plan is specifically designed for medium to long-term regular investments , offering a unique combination of investment growth potential, flexibility, and protection.

Key Features of Harvest Pro

100% Investment of Regular Premiums

Every dollar of your regular premium goes directly into the investment fund(s) of your choice . This means your money starts working for you right from day one.

Multiple Bonus Payouts

Harvest Pro offers several bonuses to boost your wealth growth: b>a) Initial Bonus: Receive up to 33% additional bonus in Year 1 to kickstart your investment. b>b) Performance Investment Bonus: A market-first feature that rewards your investment success from as early as Year 4 to Year 10. b>c) Loyalty Bonus and Power-up Bonus: Additional rewards for your long-term commitment, starting from Year 11.

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 curated to meet various financial goals. - Option to receive dividend payouts or reinvest for growth.br>-b>Unlimited top-ups, fund switches, and partial withdrawals .br>- Invest in 5 different currencies: SGD, USD, GBP, AUD, and EUR.

Protection Features

  • Advanced Death Benefit to protect against market downturns during the Minimum Investment Period.br>- Optional riders for additional protection without medical underwriting.

Legacy Planning

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

Why compare TM Harvest Pro 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 Pro Works

Let's break down the journey of your investment with Harvest Pro:

Year 1: Kick Start

Your entire regular premium is invested, plus you receive an Initial Bonus of up to 33% . This gives your investment a powerful start right out of the gate.

Year 4-10: Accelerate

From as early as Year 4, you become eligible for the Performance Investment Bonus . This unique feature rewards you for your investment's success, potentially accelerating your wealth growth.

Year 11 onwards: Realise Your Goals

Starting from Year 11, you can unlock additional bonuses like the Loyalty Bonus and Power-up Bonus . These rewards recognize your long-term commitment without compromising the plan's flexibility.

Throughout: Flexibility and Protection

At any point, you can make top-ups, switch funds, or make partial withdrawals. The Advanced Death Benefit provides protection during the Minimum Investment Period, ensuring your loved ones are taken care of.

Real-Life Scenario

Let's consider Steven, a 31-year-old professional looking to grow his wealth over the medium to long term:

Year 1: Steven invests his regular premium, which is fully allocated to his chosen funds. He also receives an Initial Bonus, giving his investment an early boost.

Year 4: Steven's investment has performed well, and he receives his first Performance Investment Bonus, further enhancing his returns.

Year 10: Steven continues to receive Performance Investment Bonuses, accelerating his wealth accumulation.

Year 11: Steven's long-term commitment is rewarded with Loyalty and Power-up Bonuses, adding even more value to his investment.

Throughout this journey, Steven has the flexibility to adjust his investment strategy, make partial withdrawals if needed, or add top-ups when he has extra funds . He also has the peace of mind knowing that the Advanced Death Benefit protects his loved ones during the Minimum Investment Period.

Why Choose Harvest Pro?

Optimized Returns

With 100% premium investment and multiple bonuses, Harvest Pro is designed to maximize your investment growth potential .

Unparalleled Flexibility

Adapt your investment strategy as your life circumstances change , without losing out on benefits.

Long-Term Focus

The structure of bonuses encourages and rewards long-term investment, aligning with wealth accumulation goals.

Protection

The Advanced Death Benefit and optional riders provide a safety net for you and your loved ones.

Legacy Planning

The option to enroll multiple life assureds makes it easy to transfer wealth to the next generation.

Currency Options

Invest in the currency that best suits your financial goals and risk appetite.

Professional Fund Management

Access to a curated suite of premier funds managed by expert fund managers.

Important Considerations

While Harvest Pro offers numerous benefits, it's important to keep in mind:

  1. Investment Risk: Like all investment-linked products, returns are not guaranteed, and there's a possibility of losing the principal amount invested.
  1. Long-Term Commitment: This plan is designed for medium to long-term investment. Early termination may result in significant costs.
  1. Charges: While investment charges are capped, there are still fees associated with the plan that can affect overall returns.
  1. Market Volatility: The value of your investment can fluctuate based on market conditions.
  1. Currency Risk: If you choose to invest in a foreign currency, exchange rate fluctuations can impact your returns.

Conclusion

Harvest Pro by Tokio Marine offers a compelling solution for individuals looking to grow their wealth over the medium to long term . With its unique combination of 100% premium investment, multiple bonuses, flexibility, and protection features, it stands out in the crowded field of investment-linked plans.

However, as with any financial decision, it's crucial to consider your personal financial situation, goals, and risk tolerance before committing to Harvest Pro. We recommend speaking with a Tokio Marine representative or a licensed financial advisor to determine if this plan aligns with your financial objectives.

Remember, investing is a journey, and Harvest Pro is designed to be your partner in that journey, helping you navigate through different life stages while working towards your financial aspirations. Whether your future means freedom, resilience, evolution, breakthrough, or success, Harvest Pro aims to help you achieve it.

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