AIA Wealth Builder
Building Your Investment For Long-Term Returns
AIA Wealth Builder is an investment-linked plan that aims to help you accumulate your long-term investment returns and at the same time provides you with valuable insurance protection.
Because we understand you have changing financial needs, AIA Wealth Builder has been designed to allow you the flexibility to choose from a wide range of AIA Investment Funds and AIA Managed Portfolios to match your investment objectives and financial life stages.
With AIA Wealth Builder, you get to enjoy the following benefits:
- 100% of your money goes to work immediately
- No front-end sales charge on your initial investment
- Invest with cash or SRS
- Access to a wide range of funds
- Experienced fund managers to manage your hard-earned savings
- Free fund switches
- Automatic re-balancing
- Top up at your convenience
- Life insurance protection
No Front-End Sales Charge On Your Initial Investment
Unlike most other single premium investment-linked plans available, when you invest in AIA Wealth Builder, you will be pleased to know that there will be no front-end sales charge imposed on your initial investment amount1. With AIA Wealth Builder, 100% of your money will be invested in your chosen AIA Investment Funds and AIA Managed Portfolios right from the start, giving you the potential to earn higher returns compared to plans with initial front-end sales charges.
Invest Using Cash or SRS
With AIA Wealth Builder, you can choose to invest either by cash or through the Supplementary Retirement Scheme (SRS). All it takes is $10,000 to start building your financial future with AIA Wealth Builder.
Expertise in Fund Management
The AIA Managed Portfolios and AIA Investment Funds are professionally managed by our fund managers2 and carefully selected external fund managers.
Free Fund Switches
AIA Wealth Builder allows you to switch your money between funds at no cost throughout the policy year. So, you can change the balance of your investment to suit your changing needs or changing market conditions at any time.
Automatic Re-Balancing
The AIA Managed Portfolios give you professional management of your asset allocation. If, alternatively, you invest in specific AIA Investment Funds, you can choose to automatically re-balance your investments in different funds according to your pre-selected allocations. This enables you to ensure your allocations are not changed due to movements in the market.
Automatic Transfer
You can arrange to automatically transfer money on a regular basis from the AIA S$ Money Market Fund to the other AIA investment-linked sub-funds. This is especially useful when you've parked your money in the AIA S$ Money Market Fund during a period of uncertainty and want to start investing in the other AIA investment-linked sub-funds every month or quarter.
Regular Top-ups3
AIA Wealth Builder gives you the flexibility to regularly top up your investment on either a monthly or yearly basis. Signing up for regular top-ups allows you to seize the potential benefits that dollar cost averaging has to offer.
Top Up At Your Convenience
Whether or not you choose regular top-ups, you can still choose to top up3 your investment at any time you wish. This means you can accumulate your investments over time to match the changes in your financial stages and Lifestyle.
Enjoy Life Protection
It's always reassuring to know that while building your investment for the future, you also get the benefit of life protection. In the unfortunate event of death, your dependants will receive 150% of your initial investment amount4 or 100% of the value of your units at bid price, whichever is higher.
Start Building Your Financial Future
The maximum entry age for AIA Wealth Builder is 70 for cash investment and 61 for SRS.
Act Now!
To find out how AIA Wealth Builder can meet your investment needs, contact your AIA Financial Services Consultant for an AIA Financial Health Check today. Alternatively, you can call our AIA Customer Care Hotline at 1800 248 8000.
How's your financial health?
Take the AIA Financial Health Check today!
1A supplementary charge of 0.05% p.a. of your single premium policy value will be deducted monthly for the first 6 policy years. A surrender charge will apply if the plan is surrendered before the 6th policy anniversary.
2Please refer to the AIA Investment Funds Product Summary for more details.
3Top ups are subject to a 5% sales charge. They are not however, subject to surrender or supplementary charges. Minimum regular top up is S$300 monthly and S$1,000 yearly. Minimum ad-hoc top up premium is S$1,000.
4Plus any top-ups and less any withdrawals made. Calculation is based on standard lives.
Important Notes:
The performance of the AIA investment-linked sub-funds is not guaranteed and the value may increase or decrease in accordance with the future experience of the funds. The risks of investments include political/regulatory risk, currency risk, interest rate risk and market risk. Past returns are not necessarily a guide to future performance.
Investors should seek advice from an AIA Financial Services Consultant and read the product summary before deciding whether the product is suitable.
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 Wealth 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 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.
