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  • When you plan for your child's future, remember to also plan for yours

    Singaporeans face an uncertain future by focusing mostly on their children's needs, neglecting their own. Whether you are a parent or not, planning for retirement is a priority for the present. A necessary step towards securing your definition of retirement – and spend your golden years, however you want.

    Singaporeans have the world's longest life expectancy at 84.8 years old1. According to studies2 conducted, most Singaporeans plan to retire at the average age of 60, and this means at least 25 years of retirement income is required. Below are some insights on Singaporeans' retirement realities. Please refer to the full infographics here.

    60%

    face an uncertain future by not prioritising retirement planning

    Parents spend 20% of income on children, but <7% on retirement planing

    66%

    underestimated required retirement income by at least $967/month



    If you don’t know where to start, you may wish to first calculate what you will need based on your preferred lifestyle in the future.

    Important Notes

    Period of Retirement - We assume a male individual will live till age 82 and a female individual will live till 87. Based on "The Burden of Disease in Singapore Report, 1990 - 2017".

    Retirement Lifestyle Monthly Expenses – All lifestyle spending generated are based on the Singapore Household Expenditure Survey 2017/2018. For 2021 projection (3 years from 2018), a 2% annual inflation has been factored into all respective categories (based on Singapore Household Expenditure Survey 2018) . Shopping and travel spending are subjected to lifestyle adjustment factor of 0.5 of the mean for lower spending and 2.0 of the mean for higher spending. The Lifestyle Monthly Expenses derived is projected on the needs of a single person.

    Inflation rate is based on a 10-year geometric average of the Singapore CPI. Source: Statistics Singapore – Time series on CPI (2014=100) & Inflation Rate (Year 2007 to 2018)

    Retirement Goal is the estimated amount required at retirement age to achieve your goal based on the assumption of no interest component.

    Current value of existing funds is the sum of your cash, deposits and investments set aside for the goal.

    Projected value of existing funds is the projected value of your existing funds and monthly savings set aside for the goal using the respective growth rate.

    All figures and diagrams are for illustrative purposes only. This calculator is intended to be used as an estimate only. All figures are rounded up to the nearest dollar unless otherwise stated.

    Your retirement plan, tailored to your future needs.

     

    How much you require will depend on how you envision your retirement to be. With proper planning, retirement can be a thriving phase of life. But where will your retirement funds come from, and what do you need to keep in mind?

    A holistic retirement plan considers your well-rounded health and wellbeing so you can enjoy retirement in good shape and avoid dipping into your retirement funds for medical needs if you're not adequately protected. Planning for your retirement doesn't only involve you. Leaving a legacy for your loved ones is also a factor to keep in mind.

    All AIA savings and investment plans come with protection coverage. Some also offer additional optional coverage for critical illnesses as well as a waiver of future premiums, should the unforeseen occurs — ensuring plan continuity. Coupled with AIA Vitality, one of the most comprehensive wellness programmes in Singapore, we support you to make the right positive changes to improve your overall wellness through a wide spectrum of tools and benefits that target different aspects of your health.

    Here are some plans for your consideration. Get in touch with us to start planning for your future.

    retirement plaining update

    • Wealth Acceleration
    • Wealth Accumulation
    • Wealth Acceleration
    • Wealth Accumulation

    If you have the risk appetite for higher potential upside or have been investing in instruments such as stocks/equity, bonds, and property, you may wish to consider AIA investment-linked plans (ILP) — utilising dollar-cost averaging to invest in funds and boost your wealth.

    Through selected AIA ILP, you may access exclusive portfolios backed by the expertise of AIA Investments — the investment arm of AIA Group. As one of the largest institutional investors in the region, AIA Investments not only has the experience and knowledge but also the scalability to strategically partner with leading global asset managers to deliver superior long-term sustainable results, giving you the assurance that your long-term financial needs will be met.

    AIA Platinum Retirement Elite

    Platinum

    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 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.

    AIA Platinum Wealth Elite

    Platinum

    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 Wealth Legacy

    Platinum

    AIA Platinum Wealth Legacy is designed to offer the ideal balance between wealth accumulation and guaranteed long-term security for the family regardless of fund performance.

    AIA Pro Lifetime Protector (II)

    Investments

    AIA Pro Lifetime Protector (II) is a protection and wealth accumulation plan that you can customise to your liking, with the flexibility to rejig your coverage and refine your investments later.

    vitality

    AIA Pro Achiever 2.0

    Investments

    Kick-start your investments with an extra boost from AIA Pro Achiever 2.0. On top of 100% of your premiums invested from the start, you’ll receive up to 23% welcome bonus and special bonus when you continue to pay the regular premiums. Leveraging best-in-class expertise and exclusive access to institutional investment, we’ll help you grow your wealth and achieve whatever goals you have for the future or leave a legacy to your loved ones.

    Besides cash savings, CPF LIFE payouts, income stream or other liquid assets which provide a secure base of retirement income, you can also consider savings insurance plans that offer a combination of guaranteed returns and potential bonuses.

    AIA Guaranteed Protect Plus (III)

    Savings

    AIA Guaranteed Protect Plus (III) is designed as a single solution that offers wider coverage for your protection needs. With its unique multiplier feature, it gives you the ability to boost your coverage by up to 5 times while ensuring affordability. This plan also provides stable cash value that is accumulated over time.

    vitality

    AIA Retirement Saver (IV)

    Investments

    Charting the perfect course towards your retirement dream is easier than you think. Rather than searching for the right plan to get you there, take charge with AIA Retirement Saver (IV) and discover endless possibilities for a retirement worth dreaming about. So get started now – with no medical check-up required, it couldn’t be simpler.

    AIA Smart Wealth Builder Series

    Savings

    AIA Smart Wealth Builder Series are savings plans that makes your money work harder than you do. It aims to magnify your returns while giving you the flexibility to withdraw your savings to fund for your key goals.

    Product link missing

    Enjoy up to 25% discount and/or a luxury staycation (worth up to $1,257) when you sign up!

    Valid till 15 Sep 2021 and for selected plans.



    Want to plan for your definition of retirement?

    Get in touch with us.

    What’s your name?*

    What's your mobile number?

    Please select the right country code.

    What's your email address?

    Are you an existing AIA Singapore customer?*

    Drop us a question here:



    Thank You

    Partial NRIC / Passport / FIN No.

    (last 4 characters)

    Date of Birth

    SOURCES

    1 The Straits Times, Jun 20, 2019: Singaporeans have world's longest life expectancy at 84.8 years

    2 Studies refer to

    • AIA Retirement Quotient (RQ) survey which studied 1,000 members of the general Singapore population mid-March 2020,
    • AIA Household Savings Behaviour Study 2021 which surveyed general consumers across eight markets – Hong Kong, China, Thailand, Malaysia, Vietnam, Indonesia, Philippines, and Singapore – in January 2021, and
    • AIA360 Retirement Study 2021 which surveyed 331 customers in Singapore in June 2021, representing 1 in 4 Singapore Residents.



    Important Notes

    Important Notes
    - COLLAPSE + EXPAND

    These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA"). All insurance applications are subject to AIA's underwriting and acceptance. Please seek professional financial advice from your AIA Financial Services Consultant or Insurance Representative before making a purchase.

    This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

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

    The information is correct as at 07 July 2021.

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