To achieve various goals in a shorter period of time such as buying a new home, sending children to university or saving and investing for retirement, financial planning is required. 

Life insurance plans are financial tools to help you save over many years and invest for the future.

An endowment policy serves as a disciplined method of saving regularly.

Investment-linked plans are flexible and can be customised to potentially yield higher returns. Investment come with risks and you need to consider key factors, some of which are:

• Risk profile
  How much volatility and risk can you tolerate in your investment should market conditions change?  How much funds can you afford to invest and potentially lose after meeting living expenses, medical needs and financial commitments?

• Investment objective
  Are you investing to hedge against inflation? Are you investing to grow your capital?

• Time horizon
  Your investment time horizon is the number of years you have to invest to achieve your financial goals.  The more time you have, the more options you have. Your time horizon would impact how much your savings can grow, what assets you can invest in and how much risks you can take.

Designing a financial plan that works for you

Financial advisers have the knowledge and expertise to recommend solutions that are appropriate for you.

Contact any one of our member companies to put you in touch with a financial adviser.

For more information on saving and investing for the future, refer to FAQs.