Wealth

Accumulation

Wealth Accumulation

Growing your wealth remains as an important component of Financial planning journey, but it's not always easy to manage alone —some enjoy tracking the markets, while others find it too time-consuming or stressful. SingCapital is here to make growing your money simpler, providing you with the knowledge and support you need. Our team of consultants shares the responsibility, helping you make informed decisions without the burden falling solely on you. Whether you need guidance, insights, or just a partner to discuss options, SingCapital is here for you.

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Below are solutions one can consider:

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Endowment Plans

Endowment plans are a versatile financial tool that combines disciplined savings with modest insurance protection, making them ideal for achieving long-term goals such as funding education, buying a home, or preparing for retirement. These plans offer guaranteed payouts along with potential bonuses, helping your money grow over time while providing financial security.

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Collective Investment Schemes (CIS)

Collective Investment Schemes, also known as unit trusts or mutual funds, allow you to pool your money with other investors, creating a diversified portfolio managed by professionals based on the fund’s strategy and goals. Unlike investment-linked policies (ILPs), which combine investment opportunities with insurance coverage, unit trusts are purely investment products, focused on wealth growth without the insurance element.

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Investment-Linked Policies

Investment-linked policies (ILPs) combine life insurance with investment opportunities. Premiums are used to buy units in funds chosen by the policyholder, with some units covering insurance costs and the rest remaining invested. ILPs provide coverage for death or total and permanent disability (TPD), with benefits based on the higher of the sum assured or unit value. Unlike whole life or endowment policies, ILPs don’t have guaranteed cash values, as their value depends on fund performance. As the insured ages, premiums increase, reducing the units available for cash accumulation.

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Bonds

Bonds are investment option that can help you accumulate wealth over time. By lending money to governments or corporations, you earn regular interest payments and receive the principal back at maturity. Bonds offer a stable income stream, making them an ideal choice for investors seeking steady growth with lower volatility. With various bond types available, you can select those that align with your financial goals, risk tolerance, and investment timeline. Bonds are an essential part of a diversified investment strategy, helping to balance risk while growing your wealth steadily.

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Exchange Trade Funds

Exchange-Traded Funds (ETFs) offer low-cost, diversified exposure to a variety of asset classes, including stocks, bonds, and commodities. Traded on stock exchanges, ETFs provide flexibility and liquidity, allowing easy buying and selling throughout the day. With a broad selection of options, ETFs help investors accumulate wealth over time by spreading risk across multiple investments, making them an excellent choice for a balanced, long-term investment strategy.

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