Why Insurance Wrapper?
What is 101? In a nutshell, it’s an Investment-linked Product. You may consider market this plan from Zurich, Friends Provident, Standard Life, Aviva GSA & AXA Pulsar. It’s very complicated and confusing. I need to be convince myself before I could convince my client. I really wanted to ignore this plan, but looking at the financial products available in the market for long term saving program for children’s education and retirement. Then I tell myself, I can’t ignore. So I need to find out more. Btw it takes me quite sometimes to analyse the product features before I even start to consider this cost-confusing and complicated products. Anyway, today in "The Final Sprint 2013" @ FA, I will present my research & findings to you. So first thing in my mind is to shift my paradigm. I hope my 7 pointers would help you to shorten your learning curve and shift your paradigm so that certain segment of your clientele might benefit from this plan. Thank you.
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Why Insurance Wrapper?
- 2. BasiC ILP 2
- 5. 1 Security Liquidity, Nomination, Peace of Mind 5
- 6. 6
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- 10. 10
- 12. Asset Allocator Market Timing Market Timing GEMS GEMS Stock Picking Stock Picking Stock Picking Fundamentalist Stock Picking Fundamentalist Market Timing Technician Market Timing Technician None of the above None of the above AA 12
- 15. 5 Tax efficient Retur ns Expatriate, No Estate Duty, Residency 15
- 18. 7 Diversified Por tfolio Take away emotion & prediction 18
- 19. Return on investment over 20 risk Graphical representation of years The impact of Diversification 19
- 20. Diversification Free-Lunch Investment Year Fund A B C D E Total Initial 5,000 5,000 5,000 5,000 5,000 25,000 5 10,057 6,381 5,000 3,869 2,219 27,526 10 20,228 8,144 5,000 2,994 984 37,350 15 40,685 10,395 5,000 2,316 437 58,833 20 81,833 13,266 5,000 1,792 194 102,085 Return 15% 5% 0% -5% -15% 7.29% 20 4x Your $25,000 would have grown to $102,085
- 21. 3 burning questions What - When - How 21
- 22. 1 How to select portfolio? Expense - Risk - Performance 22
- 23. 2 market How to handle recovery ? Reassure - Educate - Direct 23
- 25. 3 What are the options? RSP - LS - Combination 25
- 26. The Biggest enemy is... 26 My Observation
- 27. ✓ S ecurity ✓ H igh investment returns ✓ I nvestment expertise ✓ F lexibility ✓ T ax-free returns ✓ E ase of Administration ✓ D iversified Portfolio 27
- 29. The FA Model 29
- 30. Disclaimer Experience is something very personal and cannot be taught. It teaches only to the the teachable. Hence the teachable is able to shorten their learning curve. 30
- 31. www.chewhockbeng.com Chew Hock Beng B.Eng, CLU, ChFC, CFOS, CFP, RFC, FSS, LUTCF, ACBC.... Thank you 31