Investing early, living freely
Start of policy Age 35
Sarah chooses HSBC Life Wealth Focus MIP 10 with a 5-year Flexi Term.
She contributes SGD12,000 annually. With a start-up bonus of SGD1,800, her investment receives a boost from day one.
Sarah
policy YEAR 6 Age 40
Using the free partial withdrawal benefit, she withdraws SGD10,000 from her policy to upgrade her new home and meet her family's evolving needs.
policy YEAR 11 Age 45
When Sarah's MIP ends, she continues paying premiums and tops up SGD5,000 to strengthen her investment portfolio - so she can support her daughter's growing dreams as a professional ballerina.
policy YEAR 20 Age 54
She starts making monthly regular withdrawals of SGD500 for her daughter's overseas ballet school fees.
END OF POLICY TERM Age 99
Even as she makes withdrawals, her investment continues to grow, boosted by dividends and loyalty bonuses at 0.35% p.a. that reward her for staying invested.
Total premiums paid
Dividends
Total bonuses received
(start-up bonus, loyalty bonus)
Total account value
SGD773,000
SGD422,287
SGD525,755
SGD10,557,192
In the end, Sarah has built a flexible portfolio positioned for potential capital growth and supplemental income, with continued protection as her needs evolve.
The values in the illustrations are rounded to the nearest dollar and are based on an illustrated investment rate of return of 8% p.a., cash dividend payout of 4% p.a. and fund management fee of 1.3% p.a. You are advised to refer to the HSBC Life Wealth Focus brochure for the complete set of disclaimers and terms and conditions related to this illustration.