Manulife provides a quarterly newsletter, ManuReach, to clients. The December 2013 issue discusses Manulife's accomplishments in 2013 and retirement planning solutions. It highlights the Manulife Investor Sentiment Index survey finding that 1/3 of Singaporeans have no retirement plan and many will face a funding shortfall. Manulife introduced retirement products like ManuRetire Secure and the Manulife Income Series funds to provide regular income streams. The issue also discusses Manulife's community support like fundraising for cancer research and celebrating festivals with the elderly.
- There has been a 1000% rise in women opening investment accounts and taking investment actions like equity stocks and mutual funds. A survey found that previously, 58% of women preferred to save in fixed deposits, PPF, or savings accounts.
- The document discusses women investors' preferences for safety and liquidity over returns. It provides testimonies from three women investors about their positive investment experiences and lessons learned.
- The rest of the document discusses topics like the power of SIP investments, current market indicators, and a case study of a retired person using dynamic asset allocation mutual funds to generate monthly income.
- There has been close to a 1000% rise in women opening investment accounts and taking investment actions in equity stocks and mutual funds. A survey found that women now prefer safety and liquidity over returns when investing.
- The article profiles three women investors and their experiences with investing. It highlights how SIP can help women investors meet their financial goals like home repairs, anniversary celebrations, and children's education.
- The document provides information about SIP and its benefits as a convenient way to invest in mutual funds through automatic monthly deductions. It emphasizes assigning SIPs to specific financial goals to maintain investment discipline.
There has been close to a 1000% rise in women investing in equity stocks and mutual funds according to a recent survey. A senior mutual fund manager noted a significant increase in SIP openings and inquiries from women. The document discusses how women's investing habits have changed from primarily saving in fixed deposits and savings accounts to becoming more active investors. It also highlights the importance of educating and supporting these new women investors entering the financial markets.
- Women investors are increasingly investing in equity stocks and mutual funds, with a reported 1000% rise in women accounts and actions in these areas. This represents a significant change from previous cautious behaviors like keeping savings in fixed deposits.
- The document discusses factors that women investors look for, like safety, liquidity, and ease of investing. It provides testimonials from three women investors about their positive investing experiences and lessons learned.
- The rest of the document discusses SIP as an investment tool, current market indicators, a case study of an annuity planner using mutual funds, and benefits of using systematic withdrawal plans from mutual funds for retirement income needs.
1) There has been a whopping 1000% rise in women investing in equity stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries by women.
2) Previously in 2019, 58% of women preferred safer investments like fixed deposits, PPF, and savings accounts. However, things have now changed as more women are taking investment decisions and learning about financial markets.
3) The document discusses strategies for women investors, including real case studies of women who have benefited from long-term SIPs and using SIP to achieve different financial goals. It promotes SIP as a convenient way to invest in mutual funds through monthly deductions.
- The document discusses India's current economic situation amid the Russia-Ukraine war. It notes that India has maintained a neutral stance in the conflict while securing discounted oil imports from Russia.
- The economy is seen to be in a "sweet spot" with foreign investment flowing in due to India's stringent trade policies, large consumer base, and stable economic conditions. Several sectors like banking, infrastructure, and small/mid caps have grown around 10% in March.
- Going forward, the newsletter expects India to have a prosperous fiscal year 2022-23 based on strong economic indicators and the channeling of investments away from conflict zones into India's stable market.
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
- There has been a 1000% rise in women opening investment accounts and taking investment actions like equity stocks and mutual funds. A survey found that previously, 58% of women preferred to save in fixed deposits, PPF, or savings accounts.
- The document discusses women investors' preferences for safety and liquidity over returns. It provides testimonies from three women investors about their positive investment experiences and lessons learned.
- The rest of the document discusses topics like the power of SIP investments, current market indicators, and a case study of a retired person using dynamic asset allocation mutual funds to generate monthly income.
- There has been close to a 1000% rise in women opening investment accounts and taking investment actions in equity stocks and mutual funds. A survey found that women now prefer safety and liquidity over returns when investing.
- The article profiles three women investors and their experiences with investing. It highlights how SIP can help women investors meet their financial goals like home repairs, anniversary celebrations, and children's education.
- The document provides information about SIP and its benefits as a convenient way to invest in mutual funds through automatic monthly deductions. It emphasizes assigning SIPs to specific financial goals to maintain investment discipline.
There has been close to a 1000% rise in women investing in equity stocks and mutual funds according to a recent survey. A senior mutual fund manager noted a significant increase in SIP openings and inquiries from women. The document discusses how women's investing habits have changed from primarily saving in fixed deposits and savings accounts to becoming more active investors. It also highlights the importance of educating and supporting these new women investors entering the financial markets.
- Women investors are increasingly investing in equity stocks and mutual funds, with a reported 1000% rise in women accounts and actions in these areas. This represents a significant change from previous cautious behaviors like keeping savings in fixed deposits.
- The document discusses factors that women investors look for, like safety, liquidity, and ease of investing. It provides testimonials from three women investors about their positive investing experiences and lessons learned.
- The rest of the document discusses SIP as an investment tool, current market indicators, a case study of an annuity planner using mutual funds, and benefits of using systematic withdrawal plans from mutual funds for retirement income needs.
1) There has been a whopping 1000% rise in women investing in equity stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries by women.
2) Previously in 2019, 58% of women preferred safer investments like fixed deposits, PPF, and savings accounts. However, things have now changed as more women are taking investment decisions and learning about financial markets.
3) The document discusses strategies for women investors, including real case studies of women who have benefited from long-term SIPs and using SIP to achieve different financial goals. It promotes SIP as a convenient way to invest in mutual funds through monthly deductions.
- The document discusses India's current economic situation amid the Russia-Ukraine war. It notes that India has maintained a neutral stance in the conflict while securing discounted oil imports from Russia.
- The economy is seen to be in a "sweet spot" with foreign investment flowing in due to India's stringent trade policies, large consumer base, and stable economic conditions. Several sectors like banking, infrastructure, and small/mid caps have grown around 10% in March.
- Going forward, the newsletter expects India to have a prosperous fiscal year 2022-23 based on strong economic indicators and the channeling of investments away from conflict zones into India's stable market.
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
www.grupo-esteco.com
En Esteco Psicólogos, centro de psicología clínica y formación en Valencia, queremos daros unas recomendaciones para vuestro día a día.
www.grupo-esteco.com
En Esteco Psicólogos, centro de psicología clínica y formación en Valencia, queremos daros unas recomendaciones para vuestro día a día.
Crecimiento de los niños. Consejos de Esteco Psicólogos ValenciaEsteco Psicólogos
Este documento presenta las etapas del desarrollo de los niños desde los 0 hasta los 6 años en áreas como alimentación, sueño, vestido, higiene personal y control de esfínteres. Proporciona información sobre las habilidades y capacidades que van adquiriendo los niños en cada etapa y ofrece consejos a los padres sobre cómo apoyar su crecimiento y autonomía de forma adecuada a su edad.
El documento habla sobre la administración de operaciones. Explica que se encarga de planificar, organizar, dirigir y controlar la producción de bienes y servicios para aumentar la calidad, productividad y satisfacción de clientes. También señala que los investigadores de operaciones toman decisiones relacionadas a la producción, como diseño, calidad, procesos, inventarios y mantenimiento. Finalmente, describe los diferentes tipos de inventarios que pueden existir según su forma, función y desde el punto de vista logístico.
Celos entre hermanos. Consejos de Esteco PsicólogosEsteco Psicólogos
www.grupo-esteco.com
En Esteco Psicólogos, centro de psicología clínica y formación en Valencia, queremos daros unas recomendaciones para vuestro día a día.
Aviva's my shield & myshield plus summary of changes (for advisers) - 1...Mohd Khair Mohd
The document summarizes changes to the MyShield and MyShield Plus health insurance plans effective March 1, 2013. Key changes include:
1) Adding coverage for accident and emergency treatment within 24 hours of hospitalization.
2) Including cornea procedures under major organ transplant benefits.
3) Adding definitions and benefit limits for inpatient congenital anomalies diagnosed within the 24 month waiting period.
4) Adding definitions and benefit limits for inpatient psychiatric treatment within the first 10 months of coverage.
5) Revising pro-ration factors for higher ward classes and defining networks of private hospitals receiving full coverage.
6) Increasing annual deductibles to comply with regulations.
7)
This document provides information and examples about exponential functions. It defines the exponential function f(x) = ax, where a is the base and a > 0, a ≠ 1. It gives examples of evaluating exponential functions for different bases and inputs. It discusses the domain and range of exponential functions. It provides examples of identifying the base of an exponential function given its graph. It discusses how to graph exponential functions using transformations of the parent function f(x) = 2x.
Este documento describe el proceso de supervisión en la gestión empresarial. Explica que la supervisión tiene como objetivo utilizar los recursos de una empresa de manera proporcionada para ejecutar los procesos de trabajo de forma exitosa. También detalla los propósitos, objetivos y roles del supervisor, incluyendo mejorar la productividad, desarrollar el uso óptimo de recursos, y contribuir al logro de los objetivos de la organización.
This document contains premium rates for MyCare Plus, an eldercare insurance plan with different coverage options. It provides annual premium costs in tables organized by gender, ElderShield benefit amount (300 or 400), benefit payout duration (12 years or lifetime), and entry age (41-65). Premiums generally increase with age and are higher for lifetime payout options compared to 12-year options. The document also notes it is subject to change without notice.
Pre Calculus notes 4 1 Exponential Functionsmsventrella
This document provides information and examples about exponential functions. It defines the exponential function f(x) = ax, where a is the base and a > 0, a ≠ 1. It gives examples of evaluating exponential functions for different bases and inputs. It discusses the domain and range of exponential functions. It provides examples of identifying the base of an exponential function given its graph. It discusses how to graph exponential functions using transformations of the parent function f(x) = 2x.
This document provides frequently asked questions about ElderShield, MyCare, and MyCare Plus disability insurance plans in Singapore. ElderShield is the basic severe disability insurance scheme provided by the government. It pays $300-400 per month if the policyholder becomes severely disabled and unable to perform 3+ daily living activities. MyCare and MyCare Plus are private insurance supplements that policyholders can purchase to customize their monthly payout amounts, benefit durations, and other coverage details. The supplements provide additional benefits on top of the basic ElderShield payout.
Aviva's my shield policy contract - 18feb2013.pdfMohd Khair Mohd
This document summarizes a medical expense insurance policy. It provides enhanced benefits on top of basic MediShield coverage operated by the Central Provident Fund Board. The policy is a contract between the insurance company and the insured based on application information. It will indemnify medical or other covered expenses incurred during the policy year subject to the annual deductible, coinsurance, limits and exclusions defined in the policy documents and schedules.
Obesity is a disorder characterized by excessive body fat. It is measured using body mass index (BMI) and waist-to-hip ratio. Globally over 1 billion adults are overweight with at least 300 million clinically obese. In Ayurveda, obesity is known as Medoroga and results from excess Kapha and fat metabolism issues. Treatment focuses on cleansing therapies like herbal formulations, a diet of bitter and pungent foods, and an active lifestyle with exercise and yoga.
This document provides information about systematic investment plans (SIPs) and their benefits for long-term wealth creation and beating inflation. It discusses how SIPs allow regular investing in mutual funds to take advantage of rupee cost averaging and compounding returns. The document recommends choosing an equity mutual fund and investing a fixed amount each month for at least 10-20 years to benefit from SIPs and achieve long-term goals like retirement. It includes illustrations of how even small monthly investments can grow into large sums over time through the power of compounding returns.
This document summarizes a summer training report on analyzing the financial planning patterns of individuals with Aviva. It discusses financial planning, Aviva's company profile, the life insurance industry profile in India, the objectives and limitations of the study, data analysis and interpretation, the financial planning process, findings and suggestions from the analysis. The conclusions are that effective financial planning is needed to fulfill dreams through proper asset allocation and fund selection, and that mutual funds are a preferable investment avenue in India.
First release of Cikaldana's newsletter, "Now i Know !".
Covers Indonesia economic update Q3-2013, Financial Planning corner on planning education to Cambridge University, 10 select mutual funds in Indonesia by Cikaldana research, and malls evolution in Jakarta
The document provides an overview of the insurance sector in India including:
- A brief history tracing the sector from open competitive markets in the 1800s to nationalization in 1956 and re-liberalization in 1999.
- Details on the current state of the life and non-life insurance markets, with the public sector still dominating but private players gaining market share.
- Private life insurers have increased their market share to 10% while private non-life insurers have reached 14% market share in recent years.
- The liberalization of the insurance sector has led to improved services and greater opportunities but public sector insurers still control over 80% of the market.
www.grupo-esteco.com
En Esteco Psicólogos, centro de psicología clínica y formación en Valencia, queremos daros unas recomendaciones para vuestro día a día.
www.grupo-esteco.com
En Esteco Psicólogos, centro de psicología clínica y formación en Valencia, queremos daros unas recomendaciones para vuestro día a día.
Crecimiento de los niños. Consejos de Esteco Psicólogos ValenciaEsteco Psicólogos
Este documento presenta las etapas del desarrollo de los niños desde los 0 hasta los 6 años en áreas como alimentación, sueño, vestido, higiene personal y control de esfínteres. Proporciona información sobre las habilidades y capacidades que van adquiriendo los niños en cada etapa y ofrece consejos a los padres sobre cómo apoyar su crecimiento y autonomía de forma adecuada a su edad.
El documento habla sobre la administración de operaciones. Explica que se encarga de planificar, organizar, dirigir y controlar la producción de bienes y servicios para aumentar la calidad, productividad y satisfacción de clientes. También señala que los investigadores de operaciones toman decisiones relacionadas a la producción, como diseño, calidad, procesos, inventarios y mantenimiento. Finalmente, describe los diferentes tipos de inventarios que pueden existir según su forma, función y desde el punto de vista logístico.
Celos entre hermanos. Consejos de Esteco PsicólogosEsteco Psicólogos
www.grupo-esteco.com
En Esteco Psicólogos, centro de psicología clínica y formación en Valencia, queremos daros unas recomendaciones para vuestro día a día.
Aviva's my shield & myshield plus summary of changes (for advisers) - 1...Mohd Khair Mohd
The document summarizes changes to the MyShield and MyShield Plus health insurance plans effective March 1, 2013. Key changes include:
1) Adding coverage for accident and emergency treatment within 24 hours of hospitalization.
2) Including cornea procedures under major organ transplant benefits.
3) Adding definitions and benefit limits for inpatient congenital anomalies diagnosed within the 24 month waiting period.
4) Adding definitions and benefit limits for inpatient psychiatric treatment within the first 10 months of coverage.
5) Revising pro-ration factors for higher ward classes and defining networks of private hospitals receiving full coverage.
6) Increasing annual deductibles to comply with regulations.
7)
This document provides information and examples about exponential functions. It defines the exponential function f(x) = ax, where a is the base and a > 0, a ≠ 1. It gives examples of evaluating exponential functions for different bases and inputs. It discusses the domain and range of exponential functions. It provides examples of identifying the base of an exponential function given its graph. It discusses how to graph exponential functions using transformations of the parent function f(x) = 2x.
Este documento describe el proceso de supervisión en la gestión empresarial. Explica que la supervisión tiene como objetivo utilizar los recursos de una empresa de manera proporcionada para ejecutar los procesos de trabajo de forma exitosa. También detalla los propósitos, objetivos y roles del supervisor, incluyendo mejorar la productividad, desarrollar el uso óptimo de recursos, y contribuir al logro de los objetivos de la organización.
This document contains premium rates for MyCare Plus, an eldercare insurance plan with different coverage options. It provides annual premium costs in tables organized by gender, ElderShield benefit amount (300 or 400), benefit payout duration (12 years or lifetime), and entry age (41-65). Premiums generally increase with age and are higher for lifetime payout options compared to 12-year options. The document also notes it is subject to change without notice.
Pre Calculus notes 4 1 Exponential Functionsmsventrella
This document provides information and examples about exponential functions. It defines the exponential function f(x) = ax, where a is the base and a > 0, a ≠ 1. It gives examples of evaluating exponential functions for different bases and inputs. It discusses the domain and range of exponential functions. It provides examples of identifying the base of an exponential function given its graph. It discusses how to graph exponential functions using transformations of the parent function f(x) = 2x.
This document provides frequently asked questions about ElderShield, MyCare, and MyCare Plus disability insurance plans in Singapore. ElderShield is the basic severe disability insurance scheme provided by the government. It pays $300-400 per month if the policyholder becomes severely disabled and unable to perform 3+ daily living activities. MyCare and MyCare Plus are private insurance supplements that policyholders can purchase to customize their monthly payout amounts, benefit durations, and other coverage details. The supplements provide additional benefits on top of the basic ElderShield payout.
Aviva's my shield policy contract - 18feb2013.pdfMohd Khair Mohd
This document summarizes a medical expense insurance policy. It provides enhanced benefits on top of basic MediShield coverage operated by the Central Provident Fund Board. The policy is a contract between the insurance company and the insured based on application information. It will indemnify medical or other covered expenses incurred during the policy year subject to the annual deductible, coinsurance, limits and exclusions defined in the policy documents and schedules.
Obesity is a disorder characterized by excessive body fat. It is measured using body mass index (BMI) and waist-to-hip ratio. Globally over 1 billion adults are overweight with at least 300 million clinically obese. In Ayurveda, obesity is known as Medoroga and results from excess Kapha and fat metabolism issues. Treatment focuses on cleansing therapies like herbal formulations, a diet of bitter and pungent foods, and an active lifestyle with exercise and yoga.
This document provides information about systematic investment plans (SIPs) and their benefits for long-term wealth creation and beating inflation. It discusses how SIPs allow regular investing in mutual funds to take advantage of rupee cost averaging and compounding returns. The document recommends choosing an equity mutual fund and investing a fixed amount each month for at least 10-20 years to benefit from SIPs and achieve long-term goals like retirement. It includes illustrations of how even small monthly investments can grow into large sums over time through the power of compounding returns.
This document summarizes a summer training report on analyzing the financial planning patterns of individuals with Aviva. It discusses financial planning, Aviva's company profile, the life insurance industry profile in India, the objectives and limitations of the study, data analysis and interpretation, the financial planning process, findings and suggestions from the analysis. The conclusions are that effective financial planning is needed to fulfill dreams through proper asset allocation and fund selection, and that mutual funds are a preferable investment avenue in India.
First release of Cikaldana's newsletter, "Now i Know !".
Covers Indonesia economic update Q3-2013, Financial Planning corner on planning education to Cambridge University, 10 select mutual funds in Indonesia by Cikaldana research, and malls evolution in Jakarta
The document provides an overview of the insurance sector in India including:
- A brief history tracing the sector from open competitive markets in the 1800s to nationalization in 1956 and re-liberalization in 1999.
- Details on the current state of the life and non-life insurance markets, with the public sector still dominating but private players gaining market share.
- Private life insurers have increased their market share to 10% while private non-life insurers have reached 14% market share in recent years.
- The liberalization of the insurance sector has led to improved services and greater opportunities but public sector insurers still control over 80% of the market.
- There has been close to a 1000% rise in women investing in stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries from women.
- More women are now preferring to invest their savings rather than just keeping money idle in fixed deposits or savings accounts due to education about financial products.
- The document discusses various investment strategies and products that are suitable for women investors, focusing on safety, liquidity, and ease of investing through SIP.
Power Point Presentation On Franklin Templeton.bimal0103
The document summarizes the author's work as a mutual fund salesperson for Franklin Templeton Mutual Fund since June 2008. They focus on selling Systematic Investment Plans (SIPs) to existing and referred bank clients. They meet with clients to understand financial goals and recommend investment plans based on risk tolerance. It can be difficult to convince some clients who only trust traditional fixed deposits.
1. The document discusses various investment principles and strategies for making good investment decisions with practical examples. It defines different types of investments like stocks, bonds, mutual funds, and real estate.
2. Key principles for investors include starting early, diversifying investments, taking advantage of employer retirement plans and tax benefits, and using low-risk long-term strategies. Discipline, patience, and understanding risk/return are important characteristics for successful investors.
3. The document provides examples of calculating investment values like net present value, share price valuation, and treasury bill face value to illustrate making good investment decisions.
GfK - Insurance Incentives and Rewards in South AfricaGfK
Bradley Taylor investigates the insurance incentives and rewards in South Africa and what we can learn from the way rewards are used to drive loyalty and business in this competitive market.
Personal finance is an important topic for everyone, regardless of age or income level. In Singapore, there are many resources available to help you manage your money effectively, including financial planning services, investment opportunities, and budgeting tools.
Whether you're just starting your career or nearing retirement, it's never too late to start thinking about your personal finances. By creating a budget, setting financial goals, and investing wisely, you can achieve financial security and enjoy a comfortable lifestyle.
Some important things to keep in mind when managing your personal finances in Singapore include staying informed about market trends, diversifying your investments, and seeking professional advice when needed. With the right tools and knowledge, you can take control of your finances and build a brighter financial future for yourself and your family.
Zurich Vista - Meeting the costs of educationSofia Watson
This document provides information on the costs of studying for a 4-year bachelor's degree in business in Singapore, the UK, USA, and Australia. It details the breakdown of tuition fees, living expenses, travel costs, and other costs. The total costs range from about $132,000 in Singapore to $183,000 in Australia. It also notes that only 45% of Singaporean parents feel financially prepared for their children's education.
Project Report On Recruitment and SelectionKumar Vikas
This document provides a project report on recruitment and selection at Aviva Life Insurance Company India Ltd. It includes an introduction to Aviva and its joint venture with Dabur in India. The report then describes Aviva's product portfolio, the purpose of recruitment and selection, the selection process, benefits of working with Aviva, and rewards for employees. It concludes with an analysis of the author's project experience at Aviva.
The document discusses the Lifetime Income Model, which is designed to analyze and implement a strategic retirement distribution plan to help increase income, minimize risk, and provide tax efficiency and asset preservation. It does this by allocating assets into time-sensitive distribution phases to efficiently organize income needs throughout one's lifetime. The model considers factors like inflation, longevity, taxes, and risk tolerance to illustrate how long savings may last and help plan an appropriate lifestyle. It aims to diversify assets across classes, tax strategies, and income needs to reduce portfolio volatility and meet current and future income needs.
The document discusses the Lifetime Income Model, which is designed to analyze and implement a strategic retirement distribution plan to help increase income, minimize risk, and provide tax efficiency and asset preservation. It does this by allocating assets into time-sensitive distribution phases to efficiently organize income needs throughout one's lifetime. The model considers factors like inflation, longevity, taxes, and risk tolerance to illustrate how long savings may last and help plan an appropriate lifestyle. It aims to diversify assets across classes, tax strategies, and income needs to reduce portfolio volatility and meet current and future income needs.
The document discusses the Lifetime Income ModelTM, which is designed to analyze and implement a strategic retirement distribution plan to help increase income, minimize risk, and provide tax efficiency and asset preservation. It does this by allocating assets into time-sensitive distribution phases organized around a retiree's lifetime income needs, leveraging diversification, and spending certain assets first while allowing others to continue growing. The model provides a customized plan to address a retiree's specific needs and circumstances and helps illustrate how long savings may last to facilitate lifestyle planning for what can be a lengthy retirement period.
The document discusses the Lifetime Income Model, which is designed to analyze and implement a strategic retirement distribution plan to help increase income, minimize risk, and provide tax efficiency and asset preservation. It does this by allocating assets into time-sensitive distribution phases to efficiently organize income needs throughout one's lifetime. The model considers factors like inflation, longevity, taxes, and risk tolerance to illustrate how long savings may last and help plan an appropriate lifestyle. It aims to diversify assets across classes, tax strategies, and income needs to reduce portfolio volatility and meet current and future income needs.
The Lifetime Income Model is designed to analyze and implement a strategic retirement distribution plan to help increase income, minimize risk, and provide tax efficiency and asset preservation. It considers factors like inflation, longevity, and taxes that can impact retirement needs. The model helps illustrate how long savings may last to plan one's lifestyle. It uses diversification across asset classes, tax strategies, and income needs to reduce portfolio volatility. The model determines which assets should be spent first and allows others to grow until needed by allocating assets into time-sensitive distribution phases to efficiently organize income needs in retirement. The goal is to meet current needs while allowing future growth of assets not yet required.
The document discusses the Lifetime Income Model, which is designed to analyze and implement a strategic retirement distribution plan to help increase income, minimize risk, and provide tax efficiency and asset preservation. It does this by allocating assets into time-sensitive distribution phases to efficiently organize income needs throughout one's lifetime. The model considers factors like inflation, longevity, taxes, and risk tolerance to illustrate how long savings may last and help plan one's lifestyle accordingly. It aims to provide a comprehensive roadmap to guide individuals toward financial success in retirement.
The document discusses the Lifetime Income Model, which is designed to analyze and implement a strategic retirement distribution plan to help increase income, minimize risk, and provide tax efficiency and asset preservation. It does this by allocating assets into time-sensitive distribution phases to efficiently organize income needs throughout one's lifetime. The model considers factors like inflation, longevity, taxes, and risk tolerance to illustrate how long savings may last and help plan an appropriate lifestyle. It aims to diversify assets across classes, tax strategies, and income needs to reduce portfolio volatility and meet current and future income needs.
The document summarizes various news articles on health, finance, and insurance in Singapore:
- Eating nuts regularly may lower risks of heart disease, cancer, and diabetes. Physical activity can boost healthy aging sevenfold compared to inactivity.
- Singapore has the 5th largest billionaire population in Asia, with billionaires typically self-made males in finance over age 64.
- Insurance companies reported strong sales growth of annual premium and health insurance products in the first three quarters of 2013.
The new market building your nest egg 16 dec2013Mohd Khair Mohd
In the past, saving up for a lump sum was the way to go for retirement savings. The trend nowadays suggest that your insurance plan should act more like a passive-income instrument that picks up where CPF life income fall short.
Aviva's my shield plus policy contract - 18feb2013.pdfMohd Khair Mohd
The document is an insurance policy for MyShield Plus that provides the following key information:
1) It outlines the main components and structure of the insurance policy including definitions, general conditions, covered benefits, claims conditions, and exclusions.
2) It explains how the insurance operates as a contract between the insurance company and the insured based on the application and payment of premiums.
3) It lists some of the critical illnesses covered such as various types of cancer, heart conditions, organ failure and liver/lung diseases.
Aviva's my shield & myshield plus app form & product summ - 18feb2013.pdfMohd Khair Mohd
This document provides information on the MyShield Medisave-Approved Integrated Medical Insurance plan underwritten by Aviva Ltd.
It outlines the key product details such as the benefits schedule with coverage amounts for various inpatient and outpatient treatments, exclusions for pre-existing conditions unless declared under full medical underwriting or no symptoms/treatment for 5 years under moratorium underwriting, eligibility criteria, premium rates varying by age and plan selection. The document is intended to help customers understand the coverage and options provided by the MyShield insurance plan.
The document outlines the premium terms for different entry ages for a limited premium term life insurance plan. Entry ages between 41-47 have premium terms ranging from 20-26 years. The information is subject to change without notice.
The document discusses long term care insurance options from Aviva including MyCare and MyCare Plus. It provides an overview of long term care needs, what long term care entails, details of the existing ElderShield program in Singapore, and introduces MyCare and MyCare Plus as additional long term care insurance options. Contact details for Aviva representatives are also provided.
Manulife (Singapore) saw total insurance claims of $26.83 million in fiscal year 2012, including $12.90 million in death claims and $10.27 million in critical illness claims. Death and total permanent disability claims increased 54% from fiscal year 2011, with an average payout of $48.6k per claim. Critical illness claims were up 30% from the previous year, though the average payout amount was stable. Industry-wide, death and total permanent disability claims fell 7% while critical illness claims decreased 11% from the same period the previous year.
The document summarizes various news articles on the Singapore economy, property market, healthcare trends, and financial industry.
1) Singapore's economy grew 1.8% in Q4 2012, surprising economists who expected a contraction, and the government unveiled measures to boost the birth rate, including larger baby bonuses.
2) New property cooling measures were announced, including higher additional buyer's stamp duties for second homes and a seller's stamp duty on industrial properties.
3) Studies found that more women are getting heart disease differently than men, and removing a specific molecule may help defeat bone marrow cancer. The IMF will review Singapore's financial sector stability.
The document describes a non-guaranteed payout plan that offers flexibility. It pays out S$10,000 yearly for 20 years for a total guaranteed payout of S$200,000. It also pays a 38% bonus on the yearly payouts, totaling an additional S$76,000 over 20 years. The total payout including the bonus is S$276,000 over 20 years.
This document describes the benefits and costs of ManuTerm life insurance plan. It provides $300,000 of life insurance coverage for as little as $0.91 per day. Additional benefits like critical illness and hospitalization coverage are available for additional fees. The document gives an example of a 30-year old man who chose this plan and several supplementary benefits for comprehensive protection at low cost.
The document provides information about the mEase critical illness insurance plan from Manulife Singapore. The plan provides coverage for 30 critical illnesses as well as coverage for total and permanent disability and death. It pays out a lump sum upon diagnosis of a covered critical illness. Optional riders are available to waive premiums if the policyholder is diagnosed with a critical illness or becomes disabled. The plan also allows policyholders to convert the plan to other insurance products from Manulife without providing additional health information before age 65.
M Breeze product summary - final -16 jan 2012_Mohd Khair Mohd
This document summarizes an mBreeze personal accident insurance policy. It provides details on the product provider, benefits including accidental death and dismemberment coverage up to SGD$100,000 and medical reimbursement of up to SGD$2,500 per incident. It also lists optional weekly benefits and covers medical expenses from accidents or covered illnesses.
Manulife Financial and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company. These marks are used by The Manufacturers Life Insurance Company and its affiliates, including Manulife Financial Corporation.
Manulife Financial and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company. These marks are used by The Manufacturers Life Insurance Company and its affiliates, including Manulife Financial Corporation. Manulife Financial Corporation is an affiliate that uses these registered marks.
This document discusses a lifetime income plan from Manulife Financial. Manulife Financial and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by Manulife Financial Corporation and its affiliates. The plan aims to provide lifetime income for retirement.
This document provides examples of payout amounts from a Scholar savings plan for a boy and girl purchased at birth. For a boy with $50,000 coverage over 20 years, he would receive 40% of the sum insured ( $20,000) at ages 20 and 21, and 20% plus interest ( $10,000 + $51,263) at age 22, totaling $101,263 if the first two payouts remain with the company. For a girl with $50,000 coverage over 17 years, she would receive 40% of the sum insured ( $20,000) at ages 17 and 18, and 20% plus interest ( $10,000 + $43,238) at
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
1. DECEMBER 2013
Retirement Planning
Manulife Income Series
Manulife 3G (I)
ManuRetire Secure (I)
Special Feature
Manulife Investor
Sentiment Index
Manulife Gives Back
Movember 2013
Find us on
facebook.com/manulife.singapore
www.youtube.com/ManulifeSG1980
2. Dear Manulife Clients,
As 2013 comes to an end, Manulife
Singapore is pleased to bring you, our
valued clients, the accomplishments
and activities we have achieved for
you.
Message
from the
CEO
Manulife surveys Singaporeans every
quarter with the Manulife Investor
Sentiment Index (MISI). The survey
results show that Singaporeans will
face a huge retirement gap in their
golden years. It is deemed as the top
financial priority for Singaporeans
- even in young age groups. The Q3
2013 survey showed that 1/3 of
Singaporeans have no retirement
plan. Read more about the survey
findings in this issue of ManuReach.
To address the needs of Singapore’s
ageing population, Manulife has
introduced a suite of financial
solutions in 2013 that aims to provide
regular income streams. ManuRetire
Secure is the first investment-linked
plan in Singapore that guarantees the
value of a client’s investment at 80%
of the fund’s highest historical Unit
Price. The Manulife Income Series has
three funds, each designed to provide
monthly payouts that act as a steady
stream of income. Find out more
about these retirement solutions
over the next few pages. In conjunction
with the research and product
solutions, Manulife also launched a
retirement campaign to educate
consumers and create awareness on
the need to plan for retirement.
At Manulife, we see a need to
continue educating Singaporeans.
Many have the tendency to plan for
other short-term financial priorities
and leave retirement planning till
later. Hence our retirement campaign,
retirement micro website and
calculator, articles and seminars
provide a wealth of information to
educate and raise awareness with our
self-help tools.
I would like to wish you all the best
for the festive season and a fantastic
2014! Hope you enjoy this edition
of ManuReach!
Warmest Regards,
Annette King
Annette King
President & CEO
Manulife (Singapore) Pte. Ltd.
3. Manulife gives back
Manulife Singapore believes in the importance of giving back to the community.
Movember:
Movie & Fun Day
Onto Manulife’s third year supporting Movember,
the worldwide phenomenon where men across the world
grow a moustache with the aim of raising vital funds and
awareness for men’s health issues during the month of
November; activities this year included a Movember Movie
& Fun Day to raise funds for the Singapore Cancer Society.
Matthew Kang from our team
collected the most funds in Singapore
with $10,058!
The Mo Brothers at Manulife were also
glad to be part of Movember, raising
a total of $18,330 clinching 3rd place
in Singapore.
“We’re extremely proud of all who participated in
Movember, however there are some who have gone
above and beyond. Matthew Kang is the highest individual
fundraiser in Singapore raising over SGD$10,000 for the
Singapore Cancer Society. We would like to commend
Matthew for being a fine Mo Bro and for his generous
contribution to the cause.”
- Mr Greg Rafferty, Movember Asia Manager
Manulife celebrates
Dumpling Festival with AWWA
Cheers and merriment were served at the dinner table
when over 40 volunteers mingled with 120 elderly
participants over a 10-course dinner treat and a karaoke
contest that featured contestants from Asia Women’s
Welfare Association (AWWA).
Festive Cheers to the Elderly
Manulife arranged an early Mid-Autumn celebration with
over 100 corporate staff & agents from various branches
– together with Manulife Singapore’s CEO, Ms Annette
King distributing goodie bags that contained rice, biscuits,
cereals, and boxes of mooncakes to the elderly folks.
4. SPECIAL FEATURE
04
Retirement a False Hope for Singaporeans?
Serious Funding Shortfall a Reality.
Singaporeans will face a major retirement funding
shortfall if they don’t make big changes to their
savings strategies and behaviour. They tend to
face the prospect of having to work in so-called
retirement and risk downgrading their lifestyles,
according to the latest Manulife Investor
Sentiment Index survey*.
Many risk lifestyle downgrade as only 11% of those
surveyed said they are certain of being able to
afford a comfortable retirement, although 41% believe
they are ahead of schedule or on track to achieve their
financial goals.
“Singaporeans are living comfortably and have come to
treasure their travel plans. Many don’t want to backtrack
when they retire. That’s why it’s important to put your
money to hard work because inflation can erode the value
of your savings. There is more to planning for retirement
than the cash you save from your monthly income,” said
Ms. Annette King, President & CEO of Manulife Singapore.
Jill Smith, Senior Managing Director for Manulife Asset
Management Singapore, added: “Investors need to think
about investing in a way that will continue to provide
returns and generate income after they have retired.
Investors can look to the wider Asian markets, which
we believe are supported by strong economic fundamentals.
Building a well-diversified investment portfolio can help
enhance returns and mitigate market-specific risk factors,
potentially improving retirement income security.”
“There is more to planning for retirement
than the cash you save from your
monthly income”
*Manulife’s Investor Sentiment Index (Manulife ISI) in Asia is a quarterly proprietary survey measuring and tracking investor’s views across seven markets in the region on their
attitudes towards key asset classes and investment vehicles. Research was conducted between middle of August and September 2013.
Important Notes and Disclaimer:
This newsletter is for information and general circulation only. It does not have regard to your specific investment objectives, financial situation and any of your particular
needs. It should not be construed as an offer, advice or recommendation to purchase financial products. Consumers who are interested in financial products should seek
advice from a Manulife Financial Planner or qualified financial adviser representative before making a commitment to purchase any plan.
5. RETIREMENT PLANNING
05
Take control of
your retirement
It is relatively easy to overlook the importance of
retirement because the future may still seem far
away. However, everything that you want for a
third-age lifestyle can be within your grasp if you
put enough thought into your retirement
planning. To be financially independent, you
need to plan carefully and start saving early so
that your money can work harder for you.
A realistic retirement
plan is important. To be
better-prepared for your
retirement, you need to:
Start Retirement Planning
Early to take advantage of the effects
of compounding.
Make Use of the Supplementary
Retirement Scheme (SRS)
You also benefit from tax relief.
Participate in CPF Life
To cater to your basic retirement needs.
Seek Investment Growth
To combat inflation.
Visit our YouTube page for more.
www.youtube.com/ManulifeSG1980
Learn more about retirement concerns
Find out how to plan a comfortable retirement
Create a Regular Stream of Income
Through investment and insurance.
Ensure Comprehensive Coverage
at Retirement
Through MediShield, ElderShield and
private insurance schemes.
6. FINANCIAL PRODUCTS
06
MANULIFE
INCOME SERIES
Providing a regular income to cater to your retirement needs
The Manulife Income Series is a series of
investment-linked policy sub-funds that seek
to provide investors a regular monthly income.
The series of funds target to meet the income
needs of today’s retirees and those investors
seeking a passive income by investing in various
asset classes.
STRATEGIC INCOME FUND
Taking advantage of bonds with different
characteristics
to
capture
investment
opportunities in different market environments,
this is the second offering in the Manulife Income
Series of funds and managed by Manulife Asset
Management (Singapore) Pte. Ltd. This is a multisector, global bond fund that invests in both
higher quality and lower rated bonds. The fund
targets to pay 4.2* cents (SGD) per unit
per annum or 0.35* cents (SGD) per unit
per month.
SINGAPORE FUND
Leveraging on the strong fundamentals of the
Singapore economy, the Manulife Income Series
- Singapore Fund is a balanced fund that invests
in both Singapore Equities as well as Singapore
Bonds. Seeking to provide medium to long term
capital appreciation and income, the fund
primarily invests 60% into the Manulife Funds Manulife Singapore Bond Fund and 40% into
the Manulife Funds - Manulife Singapore Equity
Fund which are managed by Manulife Asset
Management (Singapore) Pte. Ltd. The fund
targets to pay 3.6* cents (SGD) per unit
per annum or 0.3* cents (SGD) per unit
per month.
ASIAN BALANCED FUND
Seeking to capture the strong growth potential
of Asia, this third offering in the Manulife Income
Series of funds is managed by Schroder
Investment Management (Singapore) Limited.
The fund invests all or most of its assets into the
Schroder Asian Equity Yield Fund and the
Schroder Asian Investment Grade Credit with
target asset allocations of 60% and 40%
respectively. The fund targets to pay
3.6* cents (SGD) per unit per annum or
0.3* cents (SGD) per unit per month.
7. FINANCIAL PRODUCTS
MANULIFE 3G (I)
07
Manulife 3G (I) is a life insurance product that acts as an annuity. It provides guaranteed payouts and
growth potential with just 10 years of premium payment to a legacy that lasts for generations. Be it
to fulfill your dreams of yearly indulgence or a legacy for your child and grandchild, you can achieve
them all by investing a decade and reap for generations.
Policy Inception
You continue to receive
COUPONS
COUPONS
from end of 10th policy year
10-Year
Yearly withdrawal of
for a lifetime
Premium Paying Term
$$$
Sum Insured + accumulated
reversionary bonus (if any)
payable to beneficiary
MANURETIRE SECURE (I)
ManuRetire Secure (I) is a single premium investment-linked plan
designed to allow you to benefit from the potentially inflation
beating performance of equities while providing you with
income for retirement. It secures the Guaranteed Value of
your investment at 80 percent of the fund’s (Manulife
Octave SGD Tracking Fund) highest historical Unit Price.
ManuRetire
Secure
(I)
lets
you
grow
your assets while providing 80 percent downside
protection against investment fluctuations.
Hence, you are protected during severe market
downturns while benefiting from potential gains
in a market upturn.
After the initial investment, you may make investment
top-ups and you can also access your investment anytime for
your liquidity needs. You can also choose to receive a lump
sum or regular stream of income for your retirement over your
selected Payout Period of 10, 15 or 20 years.
Important Notes and Disclaimer:
* There is no guarantee, assurance and/or certainty that any distribution will be made and if distributions are made, such distributions are not in any way a forecast, indication
or projection of the future or likely performance/distribution of the funds. The making of any distribution shall not be taken to imply that future distributions will be made.
Manulife (Singapore) Pte. Ltd. may also vary the frequency and/or the amount of the distributions made. When distributions are declared and paid out (including out of
capital) with respect to any fund, the net assets of the fund will reduce by an amount equivalent to the distributions declared. This will be reflected as a reduction in the unit
price. The cash payouts are subject to satisfying the minimum payout amount as well as terms and conditions. Otherwise, the distribution will be reinvested as additional
units in the fund.
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value (if any) payable may be less
than the total premiums paid. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units and any income
accruing to the units, if any, may fall or rise.
Past performances of any fund or fund manager is not necessarily indicative of future or likely performance of the fund or fund manager. All terms and conditions are set
out in the policy contract, product summary, fund summary booklet and product highlights sheet (where applicable). You should read the applicable product summary, fund
summary booklet and/or product highlights sheet in full before making a commitment to purchase any policy. A copy of the product summary, fund summary booklet and
product highlights sheet may be obtained from a Manulife Financial Planner or any appointed distributor.
Manulife policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Cover for your
policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the
coverage, where applicable, please contact Manulife (Singapore) Pte. Ltd. or visit the Life Insurance Association or SDIC websites (http://www.lia.org.sg/ or http://www.sdic.
org.sg/).