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    AIA FUND INSIGHTS

    Monthly Investment Insights
    • 2021 Market Outlook
    • Investing for Income
    • Investing for Retirement
    • Investing Amid Volatility
    • 2020 Market Outlook

    INVESTING IN 2021 – RECOVERING FROM COVID-19

    Quarter 1, 2021

    Vaccine optimism has fueled expectations of a synchronized global GDP reacceleration in 2021. Furthermore, policymakers in developed economies have indicated that they will remain accommodative for the foreseeable three to four years with easy monetary and fiscal policies at least until global outputs and activities return to pre-Covid trend.

    As such, 2021 is set to continue into the expansion phase of the business cycle, plowing through the year with an expectation for strong equity returns amid an environment characterized by the acceleration in economic growth, unabated policy support, negative real interest rates and excess liquidity, which should propel equities to outperform bonds.

    Beyond 2021, fading stimulus in 2022 & slightly lower potential growth than before Covid-19 will see global economies returning to normalization (blue line).

    GDP Trajectory

    Early cycle recovery should benefit cyclicals the most – including sectors such as Industrials, Consumer Discretionary, Materials, and some Financials. Those that were most impacted by the Covid-19 restrictions should return to favor, narrowing the performance gap against “Covid-winners” (Eg: Technology and eCommerce). However this value-rotation narrative may not persist as the excess liquidity in the system may once again see investors focusing towards growth stocks.

    Thus far, China has recovered more rapidly than other leading economies. The different policies and pace of economic recovery will see global economies returning to pre-Covid GDP at different pace. Selective Asia markets should benefit from the expected easing of geopolitical tensions, the chase for yield and return by developed market investors, and the unleashing of precautionary liquidity (see chart below).

    Pace Recovery

    Source: AIA Investment Management 

    How should I manage my investment portfolio?

    The pandemic remains a major source of risk to the economy and some form of social distancing measures is expected to remain in place. In addition, President-elect Biden will enter the White House facing one of the most challenging geopolitical backdrop in decades.

    With risks abound amidst an expected economic expansion cycle, it is crucial to:

    • stay invested for the long term, looking through any near-term market volatility
    • not be distracted by short-term trends and fads


    Strategies that are carefully constructed to align long-term and sustainable themes, managed by best-in-class asset managers with proven expertise and capabilities will prove useful to navigate the road ahead.

    Over in AIA, we encourage long-term value creation by taking an active role in portfolio management as well as applying professional stewardship and oversight in the partnership with external managers (who have established track record of delivering performance over long term).

    Value Proposition of AIA Investment

    Value Preposition

    Source: AIA Investment Management 

    AIA Singapore, in partnership with AIA Investment Management, have curated bespoke wealth solutions, AIA Platinum Wealth Elite and AIA Platinum Retirement Elite. These solutions are designed to suit your goals and risk preference, while providing the flexibility to adapt to changing aspirations and circumstances, optimizing long-term returns and financial stability to meet the different milestones in life (Eg: Retirement and Legacy needs).

    Related Products

    AIA Platinum Wealth Elite

    AIA Platinum Wealth Elite

    AIA Platinum Wealth Elite brings to you a world-class approach towards wealth creation. It is a first-in-market, bespoke wealth solution that gives you access to the unparalleled expertise of the world's finest institutional asset managers, allowing you to achieve your long-term saving goals effortlessly.

    AIA Platinum Retirement Elite

    AIA Platinum Retirement Elite

    AIA Platinum Retirement Elite is an SGD and USD dominated investment-linked plan focused on maximizing wealth creation for your retirement years. It is uniquely crafted and extended with the flexibility to adapt to your changing needs. Leveraging on the expertise of world-class asset managers and a sustainable long-term wealth strategy, we’ll help you arrive at the retirement you deserve.

    Disclaimer

    AIA Singapore Private Limited

    AIA Singapore Private Limited
    - COLLAPSE + EXPAND

    This publication is for your information only and does not have regard to the specific investment objectives, financial situation and particular needs of any persons. It is intended only to be a simplified description of the product features applicable to these plans and is not exhaustive.

    AIA Platinum Wealth Elite and AIA Platinum Retirement Elite are investment-linked insurance policies which invest in investment-linked policy (ILP) sub-fund(s). Investments in these plans are subject to investment risk including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s).

    Investment risks include foreign exchange risks for US$ denominated policies, as such the Singapore dollar return will depend on prevailing exchange rate which may be highly volatile.

    These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All insurance applications are subjected to AIA’s underwriting and acceptance. This publication is not a contract of insurance. The precise terms and conditions of these plans, 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.

    The actual Policy Value will depend on the actual performance of the policy as well as any alterations such as variation in the Insured Amount or premium, such as premium holiday or partial withdrawals. There is a possibility that the Policy Value will fall to zero and in this case, policyholder can avoid the policy lapsing by topping up additional premium.

    You should seek advice from a qualified advisor and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you. A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA Financial Services Consultant or Insurance Representative. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for the ILP sub-fund(s).

    As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premium paid. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost. Protected up to specific limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.

    The information in this publication is correct as at 29 December 2020.

    AIA Investment Management Pte. Ltd.

    AIA Investment Management Pte. Ltd.
    - COLLAPSE + EXPAND

    This document/presentation has been prepared for information purposes only and does not have regard to the specific investment objectives, financial situation and particular needs of any persons. Neither should this document be construed as an offer or the solicitation of an offer, recommendation or solicitation to enter into any transaction or adopt any hedging, trading or investment strategy, in relation to any securities or other financial instruments issued or managed by AIA Investment Management Private Limited (“AIAIM”) or its affiliates (collectively the “AIA Group”) in any jurisdiction in which such offer is not authorised to be made to any person. Nothing in this document/presentation should be construed as investment, tax, legal or other advice. References to specific securities are presented to illustrate the application of our investment philosophy only and are not to be considered as recommendation by the AIA Group.

    The information herein should not be used as the basis of any investment decision. This document/presentation is not research material and it has not been prepared in accordance with legal requirements designed to promote the independence of investment research. All views expressed and references to specific securities are included for illustrations only and does not necessarily represent the views of every function within the AIA Group. No representations or warranties are given as to the reliability, accuracy and completeness of the information. Opinions, projections, estimates and other information presented in this document/presentation are solely those of AIA Group as at the date of this document/presentation and subject to change without notice. The AIA Group may have interests in the securities or instruments mentioned in this document/presentation.

    Past performance figures, and any economic and market trends or forecast, are not necessarily indicative of future performance of any strategy or portfolio. Investment is subject to investment risk, including the possible loss of the principal amount invested.

    AIAIM and the AIA Group, their respective officers and employees, accept no liability for any damage or loss, including loss of profit, whether direct or indirect or consequential in respect of the use or reliance of any information contained herein and whether arising as a result of AIAIM’s negligence or otherwise.

    You may wish to seek advice from a financial adviser before making a commitment to invest. You should consider carefully whether an investment is suitable for you in light of your own circumstances, financial resources and entire investment programme.

    This document/presentation may only be used and/or received in accordance with the applicable laws in your jurisdiction.

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    AIA Investment Management Private Limited (UEN Registration No. 201616304H).

    Generating Regular Income in Today’s Low Yield Environment

    Quarter 4, 2020

    Global interest rates have been on the decline for years as inflation moderates alongside increasing global savings. Taking the US Federal Reserve rate as an example, the Fed rate has been declining since the high of nearly 20% during the 80’s to today’s low of nearly zero. With the current Covid-19 pandemic, governments and central banks across the world have undertaken massive, unprecedented stimulus policies to help economics recover. Looking ahead, interest rates will likely remain low for a while as guided by Fed and the other major central banks. 

    Interests Chart

    Source: Board of Governors of the Federal Reserve System (US) 

    Current low interest rate environment poses a challenge for investors seeking steady income with traditional fixed income yields dropping lower. As a result, generating healthy and regular level of income through traditional* sources will prove harder moving forward (as seen in diagram below). Thus, it is important to look wider for complementary* sources of income to supplement existing means.

    Yield Chart
    BGF Disclaimers

    *Traditional income sources refer to dividends/income derived from asset classes like equities and bonds. Complementary income sources refer to dividend/income derived from alternate sources like covered call options, to help balance the trade-off between income, returns and risk.

    Investors will therefore be confronted with today’s income challenge of “Low for longer” and a “New Norm” whereby there is an increasing need to adopt the right investment strategy to manage the overall portfolio risk while adding new income sources to complement existing ones.

    New Norm Diagram

    Source: AIA Investment Management

    To help customer build and generate regular income in the long run, AIA Singapore partnered AIA Investments in September 2020 to curate the AIA Global Dynamic Income Fund. It is available for your selection only via AIA Invest Easy, an Investment-Linked Plan. Managed by AIA Investment Management and backed by the expertise of world class asset managers, with the aim to distribute regular income and total returns over the long-term, through a variety of attractive income-generating asset classes. 

     

    Proposition Diagram

    Source: AIA Singapore

    1. The ILP Sub-Fund aims to distribute dividends of 4 to 5% p.a. on a quarterly basis. Investors should take note that dividend distributions could change according to prevailing market conditions. Both capital and dividend distributions are not guaranteed. Dividend rate does not represent the overall return of the fund, and a high distribution yield does not imply a positive or high return on the total investments. Dividend rate will be declared in S$ per unit and the resulting % dividend yield p.a. is calculated based on (Dividend rate/Ex-Date NAV)*(4*100). AIA Singapore will review dividend distribution periodically, and has the sole discretion to determine the dividend rate and frequency of the distribution.

      AIA Singapore intends to distribute dividends from the income and/or net realised gains of the ILP Sub-Fund, and AIA Singapore maintains the discretion to distribute dividends out of capital. Investors should be aware that when dividend distributions are made out of the capital, it may lead to a reduction in investor’s original investment and may also result in reduced future returns to the investor.

      When dividend distributions are declared and paid out with respect to the ILP Sub-Fund, the net assets of the ILP Sub-Fund will reduce by an amount equivalent to the distributions declared. This will be reflected as a reduction in the unit price.

    1. Traditional income sources refer to dividends/income derived from asset classes like equities and bonds. Complementary income sources refer to dividend/income derived from alternate sources like covered call options, to help balance the trade-off between income, returns and risk.

    How to apply

    Invest a minimum of S$12,000 in cashor via Supplementary Retirement Scheme (SRS) through the AIA Invest Easy plan. Speak to your AIA Financial Services Consultant/Insurance Representative or find out more at aia.com.sg/investeasy

    Existing AIA Invest Easy customers may perform a fund switch or regular/ad-hoc top-up(s) into this fund.

    Disclaimer

    AIA Singapore Private Limited

    AIA Singapore Private Limited
    - COLLAPSE + EXPAND

    This presentation is for your information only and does not have regards to the specific investment objectives, financial situation and particular needs of any persons. It is intended only to be a simplified description of the product features applicable to these plans and is not exhaustive.

    This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All insurance applications are subjected to AIA’s underwriting and acceptance. This presentation is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefit under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.

    The actual Policy Value will depend on the actual performance of the policy as well as any alterations such as variation in the Insured Amount or premium, such as premium holiday or partial withdrawals. There is a possibility that the Policy Value will fall to zero and in this case, policyholder can avoid the policy lapsing by topping up additional premium.

    AIA Invest Easy is an investment-linked insurance policy which invest in investment-linked policy (ILP) sub-funds(s). Investments in this plan are subject to investment risk including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s).

    Investment risks include foreign exchange risks for US$ denominated policies, as such the Singapore dollar return will depend on prevailing exchange rate which may be highly volatile. Dividends are non-guaranteed, please visit aia.com.sg/investeasy for terms and conditions of the dividend-paying fund, such as the dividend distribution, dividend frequency and associated risks. Please visit https://www.aia.com.sg/en/help-support/funds-information/aia-ilp-fund-prices/aia-global-dynamic-income-fund.html?fundCode=ADIV for the AIA Investment Fund Product Summary and Product Highlight Sheet on further details of dividend distribution and risks associated with the ILP Sub-Fund.

    You should seek advice from a qualified advisor and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you. A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA Financial Services Consultant or Insurance Representative. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for the ILP sub-fund(s).

    As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premium paid. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost. Protected up to specific limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.

    The information in this publication is correct as at 15 September 2020.

    AIA Investment Management Pte. Ltd.

    AIA Investment Management Pte. Ltd.
    - COLLAPSE + EXPAND

    This document/presentation has been prepared for information purposes only and does not have regard to the specific investment objectives, financial situation and particular needs of any persons. Neither should this document be construed as an offer or the solicitation of an offer, recommendation or solicitation to enter into any transaction or adopt any hedging, trading or investment strategy, in relation to any securities or other financial instruments issued or managed by AIA Investment Management Private Limited (“AIAIM”) or its affiliates (collectively the “AIA Group”) in any jurisdiction in which such offer is not authorised to be made to any person. Nothing in this document/presentation should be construed as investment, tax, legal or other advice. References to specific securities are presented to illustrate the application of our investment philosophy only and are not to be considered as recommendation by the AIA Group.  

    The information herein should not be used as the basis of any investment decision. This document/presentation is not research material and it has not been prepared in accordance with legal requirements designed to promote the independence of investment research. All views expressed and references to specific securities are included for illustrations only and does not necessarily represent the views of every function within the AIA Group. No representations or warranties are given as to the reliability, accuracy and completeness of the information. Opinions, projections, estimates and other information presented in this document/presentation are solely those of AIA Group as at the date of this document/presentation and subject to change without notice. The AIA Group may have interests in the securities or instruments mentioned in this document/presentation.

    Past performance figures, and any economic and market trends or forecast, are not necessarily indicative of future performance of any strategy or portfolio. Investment is subject to investment risk, including the possible loss of the principal amount invested.

    AIAIM and the AIA Group, their respective officers and employees, accept no liability for any damage or loss, including loss of profit, whether direct or indirect or consequential in respect of the use or reliance of any information contained herein and whether arising as a result of AIAIM’s negligence or otherwise.

    You may wish to seek advice from a financial adviser before making a commitment to invest. You should consider carefully whether an investment is suitable for you in light of your own circumstances, financial resources and entire investment programme.

    The information presented cannot be reproduced, amended or circulated in whole or in part to anyone, including policyholders and potential prospects, for whatever purpose or reason without prior consent of AIAIM.

    This document/presentation may only be used and/or received in accordance with the applicable laws in your jurisdiction.

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    AIA Investment Management Private Limited (UEN Registration No. 201616304H).

    Maximise your Investments for Retirement

    Quarter 3, 2020

    AIA Investments is the exclusive investment management arm of AIA, the world’s largest life insurer, responsible for managing over USD 240 billion.

    Pre-position Pillars

    Our investment approach is global, where we partner with the world’s finest asset managers and apply professional oversight. We call this the AIA Stewardship, aligned with the trust you have come to expect from our products and services for over 100 years. We work with our chosen asset management companies at an institutional level and seek long-term partnerships.

    As a life insurer we invest for the long term and do not get distracted by shorter-term trends and fads. At times, we understand that market valuations trade away from the long-term assumptions. We deploy our money patiently, seeking to take advantage of any disequilibrium.

    Alongside, our investment strategies are carefully constructed to align with long-term and sustainable themes and our managers have proven expertise and capabilities to capitalize on both strategic and tactical opportunities.

    In July 2019, AIA Investments partnered AIA Singapore to curate the AIA Elite funds for their Platinum Wealth Elite. The funds are managed by AIA Investments and sub-managed by 3 Global Institutional managers (Ballie Gifford, Wellington Management and Blackrock), channeling institutional investor capabilities to retail customers.

    After coming to a year since launch, the funds are beginning to show their differentiations with many periods of outperformance against benchmarks and peers (see performance below);

    Performance of AIA Elite Funds

    PWE Funds Performance Benchmark Chart
    PWE Funds Peer Comparison Chart

    As a result of the success, AIA Elite Funds will be made available to our newly launched AIA Platinum Retirement Elite as well. AIA Platinum Retirement Elite is a specially crafted retirement investment-linked plan that provides you the flexibility to adapt to your changing aspirations and circumstances. You will gain access to the AIA Elite funds, designed to suit your goals and risk preferences. Each fund comprises a strategic mix of equities and bonds, designed to optimize long-term returns and financial stability to meet your retirement objectives.

    AIA Elite Funds

    Understanding your needs before putting it all together

    Our Solution

    Made for you

    Disclaimer

    AIA Singapore Private Limited

    AIA Singapore Private Limited
    - COLLAPSE + EXPAND

    This presentation is for your information only and does not have regards to the specific investment objectives, financial situation and particular needs of any persons. It is intended only to be a simplified description of the product features applicable to these plans and is not exhaustive.

    This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All insurance applications are subjected to AIA’s underwriting and acceptance. This publication is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefit under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.

    The actual Policy Value will depend on the actual performance of the policy as well as any alterations such as variation in the Insured Amount or premium, such as premium holiday or partial withdrawals. There is a possibility that the Policy Value will fall to zero and in this case, policyholder can avoid the policy lapsing by topping up additional premium.

    AIA Platinum Retirement Elite is an investment-linked insurance policy which invests in investment-linked policy (ILP) sub-funds(s). Investments in this plan are subject to investment risk including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s).

    Investment risks include foreign exchange risks for US$ denominated policies, as such the Singapore dollar return will depend on prevailing exchange rate which may be highly volatile.

    You should seek advice from a qualified advisor and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you. A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA Financial Services Consultant or Insurance Representative. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for the ILP sub-fund(s).

    As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premium paid. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost. Protected up to specific limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.

    The information in this publication is correct as at 5 June 2020.

    AIA Investment Management Pte. Ltd.

    AIA Investment Management Pte. Ltd.
    - COLLAPSE + EXPAND

    This document/presentation has been prepared for information purposes only and does not have regard to the specific investment objectives, financial situation and particular needs of any persons. Neither should this document be construed as an offer or the solicitation of an offer, recommendation or solicitation to enter into any transaction or adopt any hedging, trading or investment strategy, in relation to any securities or other financial instruments issued or managed by AIA Investment Management Private Limited (“AIAIM”) or its affiliates (collectively the “AIA Group”) in any jurisdiction in which such offer is not authorised to be made to any person.  Nothing in this document/presentation should be construed as investment, tax, legal or other advice. References to specific securities are presented to illustrate the application of our investment philosophy only and are not to be considered as recommendation by the AIA Group.  

    The information herein should not be used as the basis of any investment decision. This document/presentation is not research material and it has not been prepared in accordance with legal requirements designed to promote the independence of investment research.  All views expressed and references to specific securities are included for illustrations only and does not necessarily represent the views of every function within the AIA Group. No representations or warranties are given as to the reliability, accuracy and completeness of the information. Opinions, projections, estimates and other information presented in this document/presentation are solely those of AIA Group as at the date of this document/presentation and subject to change without notice. The AIA Group may have interests in the securities or instruments mentioned in this document/presentation.

    Past performance figures, and any economic and market trends or forecast, are not necessarily indicative of future performance of any strategy or portfolio. Investment is subject to investment risk, including the possible loss of the principal amount invested.

    AIAIM and the AIA Group, their respective officers and employees, accept no liability for any damage or loss, including loss of profit, whether direct or indirect or consequential in respect of the use or reliance of any information contained herein and whether arising as a result of AIAIM’s negligence or otherwise.

    You may wish to seek advice from a financial adviser before making a commitment to invest.  You should consider carefully whether an investment is suitable for you in light of your own circumstances, financial resources and entire investment programme.

    This document/presentation may only be used and/or received in accordance with the applicable laws in your jurisdiction.

    AIA Investment Management Private Limited (UEN Registration No. 201616304H).

    3 things to remember when volatility strikes

    Quarter 2, 2020

    Markets have continued to be volatile as the coronavirus continues to bite hard. What had previously been an Asian-centric outbreak is now a global pandemic. During this period of elevated volatility, it is important to remind ourselves of these three key points.

    1

    Volatility is a normal part of long-term investing

    Market volatility is a natural part of investing and is the result of investors (over) reacting to economic, political and corporate change. Being mentally prepared for episodes of volatility is key for long-term investors – it helps us to react rationally, remain focused on our goals and even capture rare opportunities.

    Warren Buffett Quote
    Warren Buffett Quote
    Warren Buffett Quote

    2

    Avoid stopping and starting investments

    Those who remain invested typically benefit from the long-term uptrend in stock markets. When investors try to time the market and stop-and-start their investments, they can run the risk of denting future returns by missing the best recovery days in the market and attractive buying opportunities that become available during periods of pessimism. Missing out on just five of the best performance days in the market can have a significant impact on longer-term returns.

    Total return and impact of missing the five and 30 best days in the S&P 500
    Total return and impact of missing the five and 30 best days in the S&P 500
    Total return and impact of missing the five and 30 best days in the S&P 500
    Total return and impact of missing the five and 30 best days in the S&P 500

    3

    Active investment can be a successful strategy

    When volatility increases, the flexibility of active investing can be especially rewarding compared to the rigid allocations of passive investments. In particular, volatility can introduce opportunities for active stock-pickers, especially during times of market overreaction. Remember that the stocks you do not own in a fund can be as important as the ones you do own. There are companies in every stock market that are poorly managed or which suffer from fundamentally difficult outlooks; active managers can avoid these stocks.

    Investment Strategy
    Investment Strategy
    Investment Strategy

    Source of volatility messages: Fidelity International

    Disclaimer

    AIA Singapore Private Limited

    AIA Singapore Private Limited
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    This publication is for your information only and does not have regard to the specific investment objectives, financial situation and particular needs of any persons. You should seek advice from an AIA Financial Services Consultant and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you. A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA Financial Services Consultant. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s). The information presented is strictly confidential and for internal use only and cannot be reproduced, amended or circulated in whole or in part to anyone, including policyholders, and potential prospects, for whatever purpose or reason.
    This advertisement has not been reviewed by the Monetary Authority of Singapore.
    The information in this publication is correct as at 6 April 2020.

    Fidelity International

    Fidelity International
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    This publication is prepared on a general basis for information only. It does not have regard to the specific investment objectives, financial situation and particular needs of any specific person who may receive it. You should seek advice from a financial adviser. Past performance and any forecasts on the economy, stock or bond market, or economic trends are not necessarily indicative of the future performance. Views expressed are subject to change, and cannot be construed as an advice or recommendation. References to specific securities (if any) are included for the purposes of illustration only. This advertisement has not been reviewed by the Monetary Authority of Singapore. FIL Investment Management (Singapore) Limited (Co. Reg. No.: 199006300E). Fidelity, Fidelity International, and the Fidelity International Logo and F Symbol are trademarks of FIL Limited.
    CA-2020-298762-(G)

    Extended global growth cycle

    Global markets have been in expansion for slightly more than a decade after the Global Financial Crisis. Economic outlook has improved since the later part of 2019, and is expected to remain modest with bouts of uncertainties in 2020. Coupled with loose monetary policy, we should see risk appetite improving with equities outperforming bonds in the first half of 2020.

    What are the possible risk ahead?

    2020 will continue to be a year of uncertainties and volatility; ranging from global trade war, geopolitical tensions and the US election.

    • No doubt, the US/China trade war issue has developed positively with a “Phase one” trade deal expected mid-Jan, we cannot however discount an escalation in trade tensions.
    • Geopolitical tensions will continue to plague investors’ sentiments.
    • US Presidential election in November 2020 will continue to be the wildcard.
    • Misalignments between market expectations against Central Banks policies may evoke financial instability.

    How should I navigate my investment portfolio?

    Risk remains the constant but we should not lose sleep over it. Staying invested and diversification is key in current environment where valuations are no longer as attractive. To achieve this, it is important to leverage capabilities of best in-class asset managers to stay ahead of the game.

    A potential solution for consideration is the Platinum Wealth Elite (PWE) launched in 2019. This bespoke wealth solution is a strategic initiative by AIA which offers protection and accelerate one’s wealth through our investment propositions of Stewardship, Global Expertise and Long-term view, while providing flexibility to meet multiple long-term goals during the different milestones in life (For example: Retirement and Legacy needs).

    Stewardship

    Stewardship

    AIA, the world’s largest life insurer manages over USD 195 billion of asset. Our scale enables us to partner with the world’s finest asset managers and apply professional oversight along the journey.

    Long-Term

    Long-Term

    To support your long-term wealth goals, we work with the right asset managers who are aligned with our approach to deliver consistent long-term results. We differentiate ourselves through our commitment towards active portfolio management, utilizing optimal asset allocation strategies to help you reach your wealth goals.

    Global Expertise

    Global Expertise

    PWE provides access to best in-class global institutional asset managers, making available investment opportunities not readily accessible to retail investors.

    AIA Elite Funds

    Understanding your needs before putting it all together

    Our Solution

    Made for you

    Disclaimer

    AIA Investment Management Pte. Ltd.

    AIA Investment Management Pte. Ltd.
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    This document has been prepared for information purposes only and does not have regard to the specific investment objectives, financial situation and particular needs of any persons. Nothing in this presentation should be construed as investment, tax, legal or other advice. References to specific securities are presented to illustrate the application of our investment philosophy only and are not to be considered as recommendation by AIA Investment Management Private Limited ("AIAIM") (UEN Registration No. 201616304H).

    The information herein should not be used as the basis of any investment decision. It does not constitute an offer to sell or the solicitation of an offer to buy. All views expressed and references to specific securities are included for illustrations only. No representations or warranties are given as to the reliability, accuracy and completeness of the information.

    The information contained herein (including opinions and views) is subject to change without notice.

    AIAIM, its officers and employees accept no liability for any damage or loss, including loss of profit, whether direct or indirect or consequential in respect of the use or reliance of any information contained herein and whether arising as a result of AIAIM's negligence or otherwise.

    Past performance figures, and any economic and market trends or forecast, are not necessarily indicative of future performance of any strategy or portfolio. Investment is subject to investment risk, including the possible loss of the principal amount invested.

    The information presented cannot be reproduced, amended or circulated in whole or in part to anyone, including policyholders and potential prospects, for whatever purpose or reason without prior consent.

    This presentation may only be used and/or received in accordance with the applicable laws in your jurisdiction.

    AIA Singapore Private Limited

    AIA Singapore Private Limited
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    AIA Platinum Wealth Elite is an investment-linked plan (ILP) offered by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA"), which invests in ILP sub-fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. You should seek advice from an AIA Financial Services Consultant or Insurance Representative and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you.

    All insurance applications are subject to AIA's underwriting and acceptance. This is not a contract of insurance. The precise terms and conditions of this plan, 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.

    As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost.

    Protected up to specified limits by SDIC.

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    The information is correct as at 20 January 2020.

    CONTACT AIA

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