Investment Linked Plan

TM Wealth Max: Your Gateway to Financial Freedom and Success

Are you looking for a comprehensive wealth management solution that can help you achieve your financial aspirations? Look no further than TM Wealth Max, a cutting-edge investment-linked plan (ILP) designed to maximize your wealth potential and secure your financial future . In this detailed guide, we'll explore the unique features and benefits of TM Wealth Max, helping you understand why it might be the perfect choice for your medium to long-term investment goals.

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Understanding TM Wealth Max

TM Wealth Max is part of Tokio Marine's Wealth Series, a suite of wealth management solutions aimed at helping individuals attain their future financial aspirations. This plan is specifically designed for those seeking a medium to long-term investment vehicle that offers both growth potential and flexibility .

Key Features of TM Wealth Max

100% Premium Investment

From day one, 100% of your regular premium is invested into the investment fund(s) of your choice. This means your money starts working for you immediately, maximizing your potential returns.

Multiple Bonus Payouts

TM Wealth Max offers a unique bonus structure to boost your wealth growth, including an Initial Bonus of up to 60% , a market-first Performance Investment Bonus, and Loyalty and Power-up Bonuses.

Capped Investment Charges

To optimize your policy value, TM Wealth Max limits policy investment charges . This means more of your money stays invested, potentially leading to better returns over time.

Flexible Investment Options

Choose from a wide range of curated investment funds, invest in dividend-paying funds, and invest in up to 5 different currencies : SGD, USD, GBP, AUD, and EUR.

ILP Flexibility

Enjoy unlimited top-ups, partial withdrawals, and fund switches to adapt to your changing needs. Option to pause premium payments or make withdrawals without losing bonus eligibility.

Legacy Planning

Enroll up to 4 life assureds, allowing you to create a lasting legacy by transferring your wealth to loved ones.

Why compare TM Wealth 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.

Understanding the Bonus Structure

Initial Bonus (Year 1)

Receive up to 60% of additional bonus on top of your initial premium, instantly boosting your investment value.

Performance Investment Bonus (Years 4-15)

This innovative feature rewards you for your investment's performance . If your investment achieves a Performance Growth Measure of at least 102% per annum, you become eligible for this bonus.

Loyalty Bonus and Power-up Bonus (Year 16 onwards)

These bonuses reward your long-term commitment to the plan, providing additional boosts to your investment value in later years.

Flexibility and Control

TM Wealth Max understands that life is unpredictable. That's why it offers unparalleled flexibility :

  1. Fund Choices: Select from a range of professionally managed funds to create a portfolio that matches your risk appetite and financial goals.
  1. Dividend Options: For dividend-paying funds, choose to receive payouts as passive income or reinvest to compound your wealth.
  1. Premium Flexibility: Adjust your premium payments as needed, with options to top up or make partial withdrawals without penalties.
  1. Currency Options: Invest in the currency that best suits your financial strategy, with choices including SGD, USD, GBP, AUD, and EUR.

Protection Aspects

While TM Wealth Max is primarily an investment product, it doesn't neglect the protection aspect:

  1. Advanced Death Benefit: During the Minimum Investment Period, this feature provides a level of capital guarantee, protecting your loved ones against market downturns.
  1. Optional Riders: Enhance your protection with additional riders tailored to your needs.
  1. Involuntary Unemployment and Hospitalisation Benefit: This unique feature allows for penalty-free partial withdrawals and premium payment breaks during challenging times.

Who Is TM Wealth Max For?

Medium to Long-Term Investors

Ideal for those looking to grow wealth over 10 years or more.

Those Seeking Investment Flexibility

Perfect for individuals who want control over their investment strategy.

Legacy Planners

An excellent tool for estate planning with multiple life assured options.

Risk-Aware Investors

Appealing to those who want growth opportunities with a safety net.

Considerations Before Investing

While TM Wealth Max offers numerous benefits, it's important to consider:

  1. Investment Risks: Like all investment products, returns are not guaranteed , and there's a risk 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. Fees and Charges: While charges are capped, they still impact your returns. Understand the fee structure before investing.
  1. Your Financial Situation: Ensure this plan aligns with your overall financial goals and risk tolerance.

Conclusion

TM Wealth Max stands out in the market with its innovative features, flexibility, and focus on long-term wealth accumulation . Its unique bonus structure, including the market-first Performance Investment Bonus, sets it apart from traditional investment-linked plans. The combination of investment potential, protection features, and flexibility makes it a compelling option for those looking to build and manage their wealth over the medium to long term.

However, as with any financial decision, it's crucial to carefully consider your personal circumstances and consult with a financial advisor before committing to TM Wealth Max or any investment plan.

Ready to explore how TM Wealth Max can help you achieve your financial goals? 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 TM Wealth Max or similar investment-linked plans can fit into your financial strategy. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.

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

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