What is it?

An investment-linked sub fund pools together the premiums paid by policyholders and invests in a portfolio of assets to achieve the fund's objective.

What does it invest in?

Depending on the fund's investment objective, the fund manager may invest in appropriate asset classes, including equities, bonds, money market instruments, property securities etc. Investment-linked funds can be tailored to suit your financial goals and risk profile, be it low, medium or high risk.

What if my risk appetite changes?

If your financial situation and risk profile change over time, you can move your money by switching funds. Furthermore, investment-linked sub funds allow you to access different portfolios to diversify your investments. This prevents you from putting all your eggs in one basket. Over the long term, investment-linked sub funds may yield potentially higher returns as compared to other life insurance policies such as traditional whole life and endowment plans.

* Bonuses and investment returns are not guaranteed. They are dependent on the performance of Aviva’s life fund and ILP funds respectively
** You should only switch funds if the replacement fund fit your financial needs and risk profile and is not detrimental to your interest.
*** Deferred Payment Option is only available for investment-linked plan, and may be executed after 5 annual premiums have been paid.
^ Please refer to the product summary and benefit illustration for more details.
Fund nameFund managerInvestment objectiveLaunched

Aberdeen Pac Equity Fund RP, SP

Aberdeen Asset Management Asia Limited

Aberdeen PAC Equity (RP) and Aberdeen PAC Equity (SP) feed into the underlying Aberdeen Pacific Equity Fund managed by Aberdeen Asset Management Asia Limited. The objective of the Aberdeen Pacific Equity Fund is to provide medium to long-term capital growth from a diversified portfolio of Asian-Pacific equities excluding Japanese equities and acts as a feeder fund investing in the equity-based Asia Pacific sub-funds of the Aberdeen Select Portfolio.

6 Jan 2011

First State Regional China Fund RP, SP

First State (Investments) Singapore

First State Regional China (RP) and First State Regional China (SP) feed into the underlying First State Regional China Fund managed by First State (Investments) Singapore. The objective of the First State Regional China Fund is to achieve long term capital appreciation by investing all or substantially all of its assets in the First State Greater China Growth Fund (a Dublin-domiciled fund) which invests primarily in securities issued by companies with either assets in, or revenues derived from, the People’s Republic of China, Hong Kong and Taiwan.

6 Jan 2011

Schroder Global Emerging Market Opportunities RP, SP

Schroder Investment Management (Singapore) Ltd

Schroder Global Emerging Market Opportunities (RP) and Schroder Global Emerging Market Opportunities (SP) feed into the underlying Schroder Global Emerging Market Opportunities (“Schroder GEMO”), a sub-fund of the Schroder International Opportunities Portfolio, managed by Schroder Investment Management (Singapore) Ltd.

Schroder GEMO will invest substantially into the Schroder ISF Global Emerging Market Opportunities, whose investment objective is to provide a total return through investment in equity and equity related securities of emerging market countries worldwide.

6 Jan 2011

Balanced Growth RP, SP

Schroder Investment Management (Singapore) Ltd

The primary objective of Balanced Growth (RP) and Balanced Growth (SP) of MM Balanced Growth is to provide policyholders opportunities to maximise their capital by investing in the Asia-Pacific stock markets without the risks associated with individual investment. These funds are designed to provide balanced growth between the investments in equity and fixed income securities

26 April 2002

Capital Growth RP, SP

Schroder Investment Management (Singapore) Ltd

The primary objective of Capital Growth (RP) and Capital Growth (SP) of MM Capital Growth, is to provide policyholders opportunities to maximise their capital by investing in the Asia-Pacific stock markets without the risks associated with individual investment. The MM Capital Growth, Capital Growth (RP) and Capital Growth (SP) aim to achieve long-term returns through capital appreciation of predominantly equity investments

26 April 2002

Income Growth RP, SP

Schroder Investment Management (Singapore) Ltd

The primary objective of the Income Growth (RP) and Income Growth (SP) of MM Income Growth is to provide policyholders opportunities to maximise their capital by investing in the Asia-Pacific stock markets without the risks associated with individual investment. The MM Income Growth, Income Growth (RP) and Income Growth (SP), with higher percentages invested in fixed income securities, seek to preserve the capital amount yet achieve a return that is better than the traditional bank deposit.

26 April 2002

Schroder Strategic Bond RP, SP

Schroder Investment Management (Singapore) Ltd

Schroder Strategic Bond (RP) and Schroder Strategic Bond (SP) feed into the underlying Schroder Strategic Bond Fund managed by Schroder Investment Management (S) Ltd. The Schroder Strategic Bond Fund aims to provide a total return primarily through investment in a portfolio of bonds and other fixed and floating rate securities denominated in various currencies issued by governments, government agencies, supranational and corporate issuers worldwide.

5 Jan 2006

NikkoAM Shenton Short Term Bond RP, SP

Nikko Asset Management Asia Ltd

Nikko AM Shenton Short Term Bond (RP) and Nikko AM Shenton Short Term Bond (SP) feed into the underlying Nikko AM Shenton Short Term Bond by Nikko Asset Management Asia Ltd. Nikko AM Shenton Short Term Bond seeks preservation of capital and liquidity and consistent with this objective, to outperform the 3-Mth SIBOR by investing in a diversified portfolio of good quality, short-term bonds and money market instruments. There is no target industry, sector or country.

5 Jan 2006

NikkoAM Shenton Asia Pacific RP, SP

Nikko Asset Management Asia Ltd

Nikko AM Shenton Asia Pacific (RP) and Nikko AM Shenton Asia Pacific (SP) feed into the underlying Nikko AM Shenton Asia Pacific Fund managed by Nikko Asset Management Asia Ltd. Nikko AM Shenton Asia Pacific Fund seeks to achieve medium to long-term capital appreciation by investing primarily in equities listed on the stock exchange of countries in the Asia Pacific region.

5 Jan 2006

NikkoAM Shenton World Bank Green Bond RP, SP (Closed for new sales subscriptions from 19 Oct 2012 onwards)

Nikko Asset Management Asia Ltd

 Nikko AM Shenton World Bank Green Bond (RP) and Nikko AM Shenton World Bank Green Bond (SP) feed into the underlying Nikko AM Shenton World Bank Green Bond Fund (the “Underlying Fund”) managed by Nikko Asset Management Asia Ltd. Nikko AM Shenton World Bank Green Bond Fund aims to achieve income and capital growth over the medium to long term through investing in bonds denominated in different currencies and the Managers will seek to achieve the new investment objective of the Underlying Fund by investing all or substantially all of its assets into the Nikko AM World Bank Green Fund (“Nikko AM WBGF”), a sub-fund of Nikko AM Global Umbrella Fund.

30 Nov 2002

NikkoAM Shenton Income RP, SP

Nikko Asset Management Asia Ltd

Nikko AM Shenton Income (RP) and Nikko AM Shenton Income (SP) feed into the underlying Nikko AM Shenton Income Fund managed by Nikko Asset Management Asia Ltd.  Nikko AM Shenton Income Fund aims to achieve higher income yield than Singapore Dollar fixed deposits by investing in a portfolio of bonds, money market instruments and currencies both in Singapore and global markets, taking into account the need for capital preservation.

18 July 2003

Templeton Global Fund RP, SP

Templeton Asset Management Ltd

Templeton Global (RP) and Templeton Global (SP) feed into the underlying Franklin Templeton Investment Funds (“FTIF”) – Templeton Global Fund managed by Templeton Asset Management Ltd. FTIF – Templeton Global Fund’s objective is capital appreciation, which it seeks to achieve through a policy of investing in equity securities of companies throughout the world, including Emerging Markets.

12 Oct 2006

Templeton Global Balanced RP, SP

Templeton Asset Management Ltd

Templeton Global Balanced (RP) and Templeton Global Balanced (SP) feed into the underlying Franklin Templeton Investment Funds (“FTIF”) – Templeton Global Balanced Fund managed by Templeton Asset Management Ltd. FTIF – Templeton Global Balanced Fund’s objective is to seek capital appreciation and current income, consistent with prudent investment management, by investing principally in equity securities and government debt securities issued by entities throughout the world, including Emerging Markets.

30 Nov 2002

Templeton Global Bond RP, SP

Templeton Asset Management Ltd

Templeton Global Bond (RP) and Templeton Global Bond (SP) feed into the underlying Franklin Templeton Investment Funds (“FTIF”) – Templeton Global Bond Fund managed by Templeton Asset Management Ltd. FTIF – Templeton Global Bond Fund aims to maximize, consistent with prudent investment management, total investment return consisting of a combination of interest income, capital appreciation and currency gains.

5 Jan 2006

Information is correct as at 6 February 2013.

For more information

  • Contact your Wealth Manager or visit any of our branches.

Important Notes

This policy is underwritten by Aviva Ltd, and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This publication is for general circulation only. It does not form part of any offer or recommendation, or have any regard to the investment objectives, financial situation or needs of any specific person. Buying an insurance policy is a long-term commitment. An early termination usually involves high costs and the surrender values may be less than the total premiums paid. Before committing to purchase an insurance product, please seek advice from a financial or other professional adviser regarding the suitability of the product for you and read the relevant product offer documents, including the product summary and risk disclosures, which can be obtained from DBS. If you do not wish to seek financial advice, please consider carefully whether the product is suitable for you.

Investment-linked policies are subject to investment risks, including the possible loss of the principal amount. The value of units in the sub-funds and the income, if any, may fall or rise.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage 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 coverage, where applicable, please contact DBS or visit the Life Insurance Association (“LIA”), General Insurance Association (“GIA”) or SDIC websites (www.lia.org.sg or www.gia.org.sg or www.sdic.org.sg)