Your ILP Is Not Capital Guaranteed. MAS Just Said So. | EP1640🦖

The Investing Iguana

Your ILP Is Not Capital Guaranteed. MAS Just Said So. | EP1640🦖

Most people I talk to still believe their ILP “capital guarantee” is a safety net for their retirement, when in reality it only fully snaps into place after they are gone. The MAS and LIA warning isn’t about a small wording issue; it is about years of premiums quietly feeding two separate fee structures while your investment value keeps taking the market hits.

If you are 55 in Bedok with S$100,000 locked in one of these plans, you are effectively competing against CPF OA at 2.5 percent and SA at 4 percent, with extra interest on your first S$60,000, while your ILP is paying fund managers 0.75 to 2 percent a year and punishing you with surrender charges if you pull out early. Before you rely on that policy for your retirement floor, it might be worth asking whose balance sheet it is really protecting.

📺 YouTube: https://youtu.be/9Qn5mPQ28-g

📩 Substack: https://investingiguana.com/p/your-ilp-is-not-capital-guaranteed

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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MAS Just Said So. | EP1640🦖","html":"<html><head></head><body><p></p>\n<p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/c29ddb47784672c72e030897a022578d\" tg-width=\"1920\" tg-height=\"1080\"></p>\n<p><strong>Your ILP Is Not Capital Guaranteed. MAS Just Said So. | EP1640🦖</strong></p>\n<p>Most people I talk to still believe their ILP “capital guarantee” is a safety net for their retirement, when in reality it only fully snaps into place after they are gone. The MAS and LIA warning isn’t about a small wording issue; it is about years of premiums quietly feeding two separate fee structures while your investment value keeps taking the market hits.</p>\n<p>If you are 55 in Bedok with S$100,000 locked in one of these plans, you are effectively competing against CPF OA at 2.5 percent and SA at 4 percent, with extra interest on your first S$60,000, while your ILP is paying fund managers 0.75 to 2 percent a year and punishing you with surrender charges if you pull out early. 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The MAS and LIA warning isn’t about a small wording issue; it is about years of premiums quietly feeding two separate fee structures while your investment value keeps taking the market hits.</p>\n<p>If you are 55 in Bedok with S$100,000 locked in one of these plans, you are effectively competing against CPF OA at 2.5 percent and SA at 4 percent, with extra interest on your first S$60,000, while your ILP is paying fund managers 0.75 to 2 percent a year and punishing you with surrender charges if you pull out early. Before you rely on that policy for your retirement floor, it might be worth asking whose balance sheet it is really protecting.</p>\n<p>📺 YouTube: https://youtu.be/9Qn5mPQ28-g</p>\n<p>📩 Substack: https://investingiguana.com/p/your-ilp-is-not-capital-guaranteed</p></body></html>","text":"Your ILP Is Not Capital Guaranteed. 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