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Making concrete financial plans can pave the way towards achieving your dreams
and goals. Whether you choose to buy a house, provide for your children’s
education or enjoy your retirement, Ideal Plan gives you the much-needed flexibility
and savings that will suit your different financial goals.
Wide selection of funds to suit your individual needs
Make your selection from a wide array of funds available such as:
| 4 Specialised Funds |
Enhanced, Prime, Technology
and Trust |
| 4 Core Funds |
Global Bond, Global Equity, Singapore Bond
and Singapore Equity |
| 3 Combined Funds |
Growth, Balanced and Conservative |
There are 3 Combined Funds - Growth, Balanced and Conservative. By having
a different mix of the 4 Core Funds, each of the Combined Funds is created to
suit different risk profiles and investment objectives. Our Combined Funds are
well-diversified and are invested in more than 900 quality stocks and bonds.
Fund management expertise
The fund managers are chosen based on their good track records and sound investment
process.
These well-established fund managers include:
- Capital International
- MFS Investment Management
- AllianceBernstein
- DBS Asset Management
- State Street Global Advisors Singapore Limited
- Trust Company
of the West (TCW)
- Columbia Management Group Inc.
- Wellington International Management Company Pte Ltd
- PIMCO Asia Pte Ltd
- Fischer Francis Trees & Walts (FFTW)
Low management fee
NTUC Income’s Funds annual management fee starts from as low as 0.5% p.a.
Flexibility
At different stages of your life, you may have different financial priorities.
Ideal Plan gives you the flexibility to manage your savings whenever you need
to. You can top up your savings with a minimum amount of $1,000, switch* your
investment options, defer your savings temporarily without any extra charge† or
make partial withdrawals at any time.
Additional coverage for you and your family members
Ideal Plan keeps you insured while you make your investments at no additional
charge. In the event of death or total and permanent disability#, whichever is
earlier, this plan ensures that your family’s future remains secure with
compensation that is equivalent to the minimum sum assured or the fund value
(cash value) of your policy, whichever is higher.
You can also choose to supplement this plan with 6 different riders for more
comprehensive protection – Term, Living, Income Benefit, Hospital Benefit,
Accident and the Child Plus rider.
Low initial capital
Ideal Plan is easily accessible to everyone. You can start your investment with
a low monthly premium starting from $50**. Ideal Plan lets you invest your savings
on a regular basis for higher returns and insurance protection.
* Each policy is entitled to two free switches for
each calender year. A fee at the higher of 1% of the transaction value or $30
is chargeable for all subsequent switches within the same calender year.
† After 12 months
of premium paid.
# Disability must
occur before Insured attains the age of 65 years.
** Available only in cash purchase.
Investments are subject to investment risks including
the possible loss of the principal amount invested. The performance of the ILP
fund is not guaranteed and the value of the units in the ILP fund and the income
accruing to the units, if any, may rise or fall. A product summary relating to
the ILP fund is available. A potential investor should read the product summary
before deciding whether to subscribe for units in the ILP fund.
Information is correct at time of posting. Please check
with NTUC Income for subsequent updates, if any. The information provided on
this website is for general information only and not a contract of insurance.
Please refer to policy document for precise terms and conditions.
Buying a life insurance plan 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.
Please call 62Income (6246 2663), email product@income.com.sg or
Visit our branch/business
centres, contact your insurance adviser
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