Savings & Investments
Savings and investment plans built around a goal
A home, your children's education, or the retirement you actually want. We start with the goal and the timeline, and only then talk about which plan fits, not the other way round.
What's available
Ways to save and invest with a purpose attached
Investment-linked plans (ILPs)
Combines life insurance with fund investing in one policy. Your premiums are allocated into investment funds you choose, so the plan can grow your wealth over time while carrying an insurance component. Returns aren't guaranteed and depend on how the funds perform.
Endowment plans
Save a fixed amount regularly over a set period, aimed at a specific date, a wedding, a home, a milestone birthday. The structure itself is the discipline: money committed to a term is money that's harder to spend on something else.
Retirement and annuity plans
Built specifically to accumulate savings for the years after you stop working, often paying out as a regular income once you retire rather than a single lump sum.
Education endowment plans
Designed for parents saving toward a child's education, locally or overseas. Starting when a child is young gives the plan more time to grow before the fees are due.
Common questions
Savings and investing, answered plainly
What's the difference between an ILP and a regular unit trust?
An investment-linked plan (ILP) bundles life insurance cover with fund investing in one policy. A unit trust is investing only, with no insurance component. ILPs suit people who want a savings habit and some cover in one plan; unit trusts suit people who want investing kept separate from insurance.
Is an endowment plan a good way to save for a house deposit?
It can be, if your timeline matches the plan's maturity date. Endowment plans reward staying invested for the full term, so the fit depends entirely on when you'll actually need the money, which is one of the first things worth mapping out together.
How is an education endowment plan different from just saving in a bank account?
A bank account gives you full flexibility but minimal growth. An education plan commits the money to a specific goal and timeline, which for many parents is the point: it's harder to dip into for something else.
Next step
Let's map the goal before the product
Tell me what you're saving toward and by when. We'll work backward from there.
Book a free consultation →