The Wealth Aspire Plan offers four investment strategies, and you can choose any strategy that suits your preferences. The strategies are as follows -

● Smart Option:
Under the Smart Option, your portfolio will be structured as per your maturity date and risk profile. We will invest your basic premiums between the two segregated funds – Maximiser (equity fund) and Income Advantage (debt fund) in a predetermined proportion based on the selected maturity date and risk profile. Thereon, we will manage and administer your investment portfolio on your behalf, thus saving you time and effort. Over time the allocation is managed such that it will automatically switch from riskier assets to safer assets progressively as your plan approaches maturity. The proportion invested in Maximiser (equity fund) will be according to the schedule given below – the remaining amount will be invested in Income Advantage (debt fund).

● Systematic Transfer Option
The Systematic Transfer Option safeguards your wealth against market volatility and is available only if you have opted for the annual mode. Under the Systematic Transfer Option, at inception, you can choose to transfer the fund on a monthly basis or a weekly basis. Your premium (net of premium allocation charge) shall be first allocated to the Liquid Plus fund option and then monthly 1/12th or weekly 1/48th of the allocated amount shall be transferred to a segregated fund(s) of your choice. You may choose up to a maximum of four segregated funds out of Income Advantage, Enhancer, Creator, Maximiser, Multiplier, Super 20, Value & Momentum, MNC, and Capped Niy Index for your premiums to be transferred to. We record your allocation instructions as per the premium allocation percentages specified in the application form. Our only requirement is that the percentage allocated to chosen segregated fund(s) be in increments of 5%, ranging from 5% to 100%. In case monthly transfer is opted, 1/12th of the allocated amount will be transferred to your chosen segregated fund(s)on the 1st, 8th, 15th, or 22nd of the month as selected by you. In case weekly transfer is opted for, 1/48th of the allocated amount will be transferred to your chosen segregated fund(s) on the 1st, 8th, 15th, and 22nd of the month. This option helps mitigate any risk arising from volatility and averages out the risks associated with the equity market, reducing the overall risk to your portfolio. You can switch between the monthly and weekly transfer options on the policy anniversary.

● Return Optimiser Option
The Return Optimiser Option enables you to take advantage of the equity market, protect your gains from the future market volatility, and create a more stable sequencing of investment returns. Under this option, all your basic premiums (net of allocation charges) are invested in the Maximiser fund and it will be tracked every day for each policyholder for a pre-determined upside movement of 10% or more over the net invested amount (net of all charges). When the gain from the Maximiser fund reaches 10% or more of the net invested amount, the amount equal to the appreciation will be transferred to the Income Advantage fund at the prevailing unit price. This ensures that your gains are protected from any future market volatility. While the gain is less than the pre-determined upside movement of 10%, the Policy Fund Value will continue to remain in the Maximiser fund, and no transfers will be made to the Income Advantage fund.

● Self-Managed Option
The Self- Managed Option gives you access to our well-established suite of 18 segregated funds, complete control over how to invest your premiums, and full freedom to switch from one segregated fund to another. Our 18 segregated funds range from 100% debt to 100% equity to suit your particular needs and risk appetite – Liquid Plus, Income Advantage, Assure, Protector, Builder, Enhancer, Creator, Magnifier, Maximiser, Multiplier, Super 20, Pure Equity, Value & Momentum, Capped Nifty Index, Asset Allocation, MNC, ESG, and Small Cap Fund. If you wish to diversify your risk, you can choose to allocate your premium in varying proportions amongst the 18 segregated funds. We record your allocation instructions as per the premium allocation percentages specified in the application form. Our only requirement is that the percentage allocated to any segregated fund be in increments of 5%, ranging from 5% to 100%