International Wealth Account

Flexible investing, boundless opportunities

International Wealth Account (IWA)

An investment plan with the flexibility to invest in a lump-sum or through 12 monthly payments. Invest in a wide range of international funds and build a diversified portfolio. Enjoy the freedom to book profits or make partial or regular withdrawals whenever needed. You can add contributions at any time. The built-in death benefit pays 101% of the policy value to the nominated beneficiary.

Who is it for?

IWA may be suitable for you if:

You can invest at least USD 60,000 upfront or pay USD 5,000 monthly for 12 months
IWA gives you the option to invest a lump-sum or pay it as regular payments over 12 months. You also get access to a diverse range of international funds and currencies to create a portfolio that suits your risk profile.

You’d like to invest monthly to benefit from fund price averaging
You have the flexibility to make your investment over 12 months with the aim to take benefit from fund price averaging and reduce market timing risks. You can also make additional contributions in a single payment or over 12 months in the future.

You need the flexibility to cash-in your profits
IWA offers the facility to book profits, allowing you to lock in gains and potentially minimise exposure to market volatility. You also have the option to make regular and partial withdrawals if needed.

You have a time horizon of 5 or more years
If your savings are intended for purposes such as building wealth, buying properties, or starting a business, investing over several years could be a good fit.

For a full understanding of the IWA product, please refer to the Key features document and the Policy terms and conditions.

Who isn’t it for?

IWA might not be suitable for you if:

You’re a first-time investor
IWA has a large selection of funds, and for a first-time investor, this could be slightly daunting. Our advisers can help you choose a more suitable option.

You prefer regular, fixed, monthly or yearly contributions
If you aim to save on a monthly or quarterly basis over the long term for your child’s education or a comfortable retirement, our Education Savings Plan or other plans allowing long term regular payments may be a better fit for those needs.

You aren’t prepared for funds to lose value
Investment values fluctuate, and if you are uncomfortable with the possibility that your investment may be worth less than your initial amount at times, you may want to consider other options.

You prefer to select individual stocks for your portfolio and engage in daily trading
IWA is a medium to long-term plan where investment is made into funds. You can switch and redirect your investment strategy however it’s not a trading platform that can offer real-time dealing options.