Last Updated on by Tree of Wealth
Investing in your future can be complex, especially when balancing growth potential with flexibility and protection. HSBC Life Wealth Abundance stands out as a versatile investment-linked policy designed to empower you to build wealth confidently while ensuring financial security for you and your loved ones. This plan gives you access to over 80 top-tier funds, flexibility to adjust your portfolio, and peace of mind through principal protection in the event of death. Let’s explore how HSBC Life Wealth Abundance can become a cornerstone in achieving your financial goals, with features that maximize your investment growth, streamline costs, and adapt to your unique needs.
Key Features of HSBC Life Wealth Abundance
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- Cost-Effective Structure: Benefit from one of the lowest account management fees at just 2.1% p.a., ensuring nearly all of your premium goes directly into your investments for optimal growth.
- Diverse Fund Access: Access a curated selection of over 80 funds, including exclusive Accredited Investor options, allowing for diversified growth and exposure to global markets.
- Principal Protection upon Death: Enjoy peace of mind knowing that your capital is safeguarded for your beneficiaries in case of unforeseen events.
Wealth-Building Bonuses
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- Start-Up Bonus: Get a head start with up to 12% of your first-year premium as a start-up bonus.
- Power-Up Bonus: From the 5th year onward, receive an additional 0.1% p.a. on your account’s value, accelerating your investment growth.
- Loyalty Bonus: After the minimum investment period, enjoy a 0.3% p.a. loyalty bonus on the account’s value, rewarding your commitment.
Flexible Investment Options
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- Unlimited Fund Switching: Adapt your investment strategy without extra charges, allowing you to realign your portfolio based on market changes or personal financial goals.
- Partial Withdrawals & Ad Hoc Top-Ups: Make withdrawals twice annually for free during the Minimum Investment Period (MIP) and add funds starting from the 13th policy month.
- Adaptable Withdrawal Options: Beginning in the 3rd year, you can make ad hoc withdrawals or initiate planned withdrawals post-MIP.
Protection and Peace of Mind
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- Life Coverage up to Age 99: Enjoy lifetime protection and financial security for your beneficiaries up to age 99, with added accidental death coverage until age 75.
- Simplified Application: Benefit from a hassle-free application process, as there is no medical examination required.
Comparison with Competitors
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- Performance Comparison: An analysis of breakeven yields shows how HSBC Life Wealth Abundance performs against similar plans like Singlife Savvy Invest, TM Atlas Wealth, and Etiqa InvestBuilder, giving you a clearer picture of its long-term benefits.
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How HSBC Life Wealth Abundance Works
Analyzing Breakeven Yield P.A. $1,000/month Comparison
| 3 years | 5 years | 10 years | 15 years | 20 years | 25 years | 30 years | |
| Singlife Savvy Invest | 2.53% | 2.13%2.26%
(Flexi) |
2.35%2.39%
(Flexi) |
NA | 1.00% | Na | NA |
| HSBC Life Wealth Harvest | NA | NA | NA | 1.56% | 0.81% | 0.46% | 0.28% |
| HSBC Life Wealth Abundance | NA | NA | 1.89% | 1.03% | 0.71% | 0.56% | 0.48% |
| TM Atlas Wealth | NA | 2.32% | 1.63% | 1.49% | 1.42% | 1.37% | NA |
| TM Go Treasures | NA | NA | 2.05% | 1.51% | 1.15% | 0.85% | 0.72% |
| FWD Invest First Plus | NA | NA | NA | 1.44% | 1.29% | 0.99% | 0.86% |
| Etiqa InvestBuilder | NA | 1.91% | 1.49% | 0.72% | 0.48% | NA | NA |
| Etiqa Invest Smart Flex | NA | NA | 1.0% | 1.2% | 1.2% | NA | NA |
Find out more here:
Best Investment- Linked Policy Detailed In-Depth Comparison Singapore 2023
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Why HSBC Life Wealth Abundance is Good
HSBC Life Wealth Abundance is designed for individuals looking to balance robust growth potential with flexibility and protection. With low fees, access to diverse funds, and a host of bonuses that enhance your returns, this plan makes wealth building more accessible and secure. Whether you’re looking to grow your portfolio, ensure protection for your loved ones, or retain control over your investments, HSBC Life Wealth Abundance offers a well-rounded solution. Ready to start your journey toward financial growth and security? Reach out to one of our advisors today and explore how this plan can help you achieve your financial aspirations with confidence.
Connect with us today to learn more about HSBC Life Wealth Abundance and take the first step in securing a prosperous future.
