Boost your savings
AS you hit the big 40s, it is a critical time for retirement savings. At this point of your life, it is likely you have reached the peak as far as income is concerned. If you have not prepared your retirement nest, now is the time to do so to realise your post-retirement goals.
What better way to build your retirement nest than Hong Leong Assurance’s (HLA) recently launched HLA Wealth Booster, an investment-linked insurance plan that enables you to accumulate higher potential savings so that you and your family can be free of financial worries and of life’s uncertainties.
This plan allows you to invest in a range of funds, namely the dedicated HLA Horizon Funds, which comes with the following unique features:
• Protects your savings from market downturns by offering a Guaranteed Minimum Unit Price at fund maturity.
When you begin investing in the Horizon Funds, you are assured of a Guaranteed Minimum Unit Price at fund maturity in advance. Even if the unit price is lower than the Guaranteed Minimum Unit Price at fund maturity, you will still be entitled to the guaranteed minimum unit price.
• Boost your savings by leveraging on three-times higher exposure to investment markets.
The Horizon Funds provide you an avenue to invest in both low-risk assets as well as investable assets, giving you the best of both worlds.
Through the investable assets, you can boost your savings by leveraging on three-times higher exposure to investment markets, while the low-risk assets provide you with a Guaranteed Minimum Unit price at fund maturity to protect your savings.
How leveraging works:
• Conservative, you get 100% exposure, low-risk assets)
• Aggressive, you get 100% exposure, investable assets)
• With Horizon Funds, you get the best of both worlds, you get to protect your savings with lowrisk assets, while boosting your savings by 60% with investable assets of 40%, multiplied by three to yield 120%. Conclusion, you get a 20% exposure.
The scenario above is a supposed situation, and does not reflect actual investment asset allocation of the Horizon Funds.
Finally, the funds allow you to have a higher exposure by investing into eight international popular indices across different geographical regions.
As Malaysia’s leading local insurer, HLA delivers innovative and value-added products to meet the evolving needs of consumers at different stages of their lives.
For further details on HLA Wealth Booster, call the customer service hotline at 03-7650 1288, speak to any friendly HLA agents today, or visit www.hla.com.my