CPF Savings
AIA CPF Savings Plans simplify your investments by allowing you to take advantage of your CPF payments and make your earnings work harder in the process.
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CPF Savings
Start Building Your Retirement Fund With AIA Asset Builder
AIA Asset Builder makes your hard-earned money work even harder for you! It is an investment-linked plan that gives you the potential to earn higher returns, thus helping you build your retirement funds.
With AIA Asset Builder, you have the flexibility to choose from a wide range of AIA Investment Funds and AIA Managed Portfolios included under the CPF Investment Scheme to suit your investment objectives and risk profile1.
On top of that, AIA Asset Builder has no mortality charges. This means more of your money is invested, helping you build your retirement fund faster!
1 AIA Asset Builder is an investment-linked policy (ILP) offered by AIA Singapore Private Limited (AIA), which invests only in ILP fund(s) included under the CPF Investment Scheme. Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. Past performance, as well as the prediction, projection or forecast on the economy, securities markets or the economic trends of the markets are not necessarily indicative of the future or likely performance of the ILP fund(s). The performance of the ILP fund(s) is not guaranteed and the value of the units in the ILP fund(s) and the income accruing to the units, if any, may fall or rise. A product summary and product highlight sheet relating to the ILP fund(s) is available and may be obtained from your AIA Financial Services Consultant. A potential investor should read the product summary before deciding whether to subscribe for units in the ILP fund(s).
Important Notes:
The above is a simplified description of the product features. This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
AIA Asset Builder is an investment-linked policy (ILP) offered by AIA Singapore Private Limited (AIA), which invests in ILP fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP fund(s) is not guaranteed and the value of the units in the ILP fund(s) and the income accruing to the units, if any, may fall or rise. Past performance are not necessarily indicative of the future performance of the ILP fund(s). You should seek advice from an AIA Financial Services Consultant and read the product summary and product highlights sheet before deciding whether the product is suitable for you.
This insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA’s underwriting and acceptance.
The information is correct as at 18 May 2011.
Potential To Maximise Your CPF Savings
With just $5,000 from your CPF Ordinary or Special Account2, you can make your CPF savings work harder for you. Your single premium less an initial premium charge of 3% will be invested in your chosen AIA Investment Funds and AIA Managed Portfolios.
There is no bid-offer spread for AIA Asset Builder. All units will be credited or withdrawn at the bid price.
Tailor Your Investment To Your Needs
With AIA Asset Builder, you can take advantage of the following options to suit your changing needs or changing market conditions:
- Flexible top-ups3
- Automatic fund switching
- Automatic fund re-balancing
- Free fund switches
Expertise in Fund Management
The AIA Managed Portfolios and AIA Investment Funds are professionally managed by our fund managers4 and carefully selected external fund managers.
Guaranteed Issuance
With AIA Asset Builder, no medical examination is needed and no health questions will be asked.
Death Benefit
In the unfortunate event of death, 100% of the value of your units at the bid price will be payable.
2 The CPF interest rate for the Ordinary Account (OA) is based on the 12-month fixed deposit and month-end savings rates of the major local banks. Under the CPF Act, the Board pays a minimum interest of 2.5% per annum when this interest formula yields a lower rate.
From 1 Jan 2008, the new interest rate for the Special, Medisave and Retirement Accounts (SMRA) will be pegged to the yield of 10-year Singapore government bond plus 1%. For 2008 and 2009, the minimum interest rate for the SMRA will be 4.0% per annum. After 2009, the 2.5% per annum minimum interest rate, as prescribed by the CPF Act, will apply to the SMRA.
In addition, from 1 January 2008, the CPF Board will pay an extra interest rate of 1% per annum on the first $60,000 of a CPF member's combined balances, including up to $20,000 in the OA. And from 1 April 2008, the first $20,000 in both the Ordinary and Special Accounts will not be allowed to be invested under the CPF Investment Scheme. The $20,000 investment threshold under the Special Account has been raised to $30,000 from 1 May 2009.
3 All top-ups (i.e. annual, semi-annual, quarterly and monthly) are subject to a 3% premium charge.
4 Please refer to the AIA Investment Funds Product Summary and Product Highlights Sheet for more details.
Important Notes:
The above is a simplified description of the product features. This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
AIA Asset Builder is an investment-linked policy (ILP) offered by AIA Singapore Private Limited (AIA), which invests in ILP fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP fund(s) is not guaranteed and the value of the units in the ILP fund(s) and the income accruing to the units, if any, may fall or rise. Past performance are not necessarily indicative of the future performance of the ILP fund(s). You should seek advice from an AIA Financial Services Consultant and read the product summary and product highlights sheet before deciding whether the product is suitable for you.
This insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA’s underwriting and acceptance.
The information is correct as at 18 May 2011.