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Investment Linked Insurances mainly provides two kinds of premium payment mode to choose for the investor :
The details are showed below :
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Regular Saving |
Lump Sum |
| Concept |
Invest regularly (monthly, quarterly or yearly) to purchase pre assigned funds with fixed amount and duration. |
Deposit a lump sum amount (cash + securities) to a specific account for investment. |
| Suitable For |
The investor whom has stable work income and pursing long term capital growth, but unable to keep track of the market. |
With a large amount of assets in hand and close to the market. |
| Advantages |
To accumulate wealth through average cost investment, avoid wrong investment timing and market fluctuate to achieve long term normal profits (In economic theory, there is no excess profits in long term) |
Lump Sum investment may achieve attractive return if investor can buy low sell high. But history has shown this is extremely difficult to predict and hence lump sum investment is with higher risk while compares with regular savings. It is only suitable to the investors whom close to the market and familiar with the investment trend. |
| Investors are encouraged to build up an investment portfolio by a proper mix of Regular Saving and Lump Sum investment, in order to fully utilize the investment return and wealth growth. |
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Investment
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