Savings vs. Investment-linked
What’s the difference?

Participating Savings Plans

  • cash-moneyPremiums go into a participating fund and all participating policyholders share the investment return of the fund
  • payoutInsurer may declare bonuses to distribute share of profit of the participating fund
  • lump-sumUsually has a guaranteed cash value
  • Unable to vary amount of insurance coverage without revision in premium rates
  • Unable to top up investment

Investment-linked Plans (ILP)

  • cash-moneyPolicyholder chooses which ILP sub-fund to invest in and bears the ILP investment risk
  • payoutDividends and returns are dependent on the performance of the ILP sub-fund you invest in
  • No guaranteed cash value
  • Flexibility to vary insurance coverage for regular premium plans based on changes in financial needs without revision in premium rates
  • Flexibility to top up investment on ad-hoc or regular basis and switch funds

Find the right plan.

My plan should have
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Result

Savings plans

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Gro Capital Ease

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Gro Cash Flex

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Gro Retire Flex

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Gro Saver Flex

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Gro Sure Saver

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Gro Power Saver

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Gro Annuity II

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Luxe Solitaire

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Grandeur Solitaire (US$)

Investment-linked insurance plans (ILP)

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WealthLink

Need more information about financial planning?

View current prices and other information for Income's investment-linked funds.

 

View the latest fund prices

Our investment practices are supported by a prudent approach and fact-based research.

 

View our investment philosophy

Our Aim Series consists of five funds with various target maturity dates, allowing you to invest for your chosen milestones.

 

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