Tiq Invest

Your hassle-free digital Investment-Linked Plan (ILP) for maximum financial flexibility.

Low cost, more wealth?
There's a plan for that!

Tiq Invest

Your hassle-free digital Investment-Linked Plan (ILP)
for maximum financial flexibility.

The 2 in 1 Investment-Linked Insurance Plan (ILP) combining life protection and wealth accumulation

Managed by the local expertise of Etiqa Insurance with advisory from OAC Singapore Pte Ltd, together with the global investment experiences of reputable Funds Managers like Dimensional Fund Advisors, PIMCO Global Advisors (Ireland), BlackRock Global Funds and Lion Global Investors.

Etiqa Insurance Pte Ltd is a financial institution that is regulated by the Monetary Authority of Singapore (MAS).

Tiq Invest is also protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC).

Here’s how investing with us will be a sound decision

Lowest1 Management
Charge Fee2 of 0.75%

Our charges are low and simplified.

  1. Management Charge Fee of 0.75% per annum of your account value.
  2. Fund Management Fee is already factored into the unit price.

Packaged Funds with
Diversified Risks

Tap on opportunities with a mixture of asset classes (fixed income & equities) designed to maximize returns at your comfortable risk level.

No Lock-In Period

Stay fluid in times of uncertainty. Have access to cash anytime, anywhere, whenever you need it, free of charge3.

More Reasons To Invest

Start with just S$1,000

A single premium of S$1,000 is all you need. Ride through volatility by setting up regular top-ups with fixed frequency from $100 per month.

105% Guaranteed Insurance Protection

Get protected at 105% of your net premium4, no matter how your investment performs. There is no medical examination required.

Periodic Rebalancing

We carry out rebalancing to ensure that your investment objectives are on track and tolerant to market outlook.

Quick Online Access to Investments

View, transact and manage your investments via Tiq by Etiqa mobile app.

Our Packaged Funds

We’ve curated these Packaged funds to match your risk level with a mixture of different ILP sub-funds.

Conservative
LOW RISK

Friendly for:
  • Low risk taker
  • Looking for stable returns
  • Tolerance for low volatility

80% Fixed Income
20% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 30%
Global Investment Grade Credit Fund 5%
Asian Tiger Bond Fund 45%
Infinity Global Stock Index Fund 20%

Moderate
MEDIUM RISK

Friendly for:
  • Medium risk taker
  • Looking for moderate returns
  • Tolerance for some unpredictable fluctuations

40% Fixed Income
60% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 21.4%
Global Investment Grade Credit Fund 5%
Asian Tiger Bond Fund 8.6%
Emerging Markets Bond Fund 5%
Infinity Global Stock Index Fund 60%

Growth
HIGH RISK

Friendly for:
  • High risk taker
  • Looking for capital growth
  • Tolerance for sharp fluctuations

20% Fixed Income
80% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 2.5%
Global Investment Grade Credit Fund 2.5%
Asian Tiger Bond Fund 11.9%
Emerging Markets Bond Fund 3.1%
Infinity Global Stock Index Fund 80%

Aggressive
HIGH RISK

Friendly for:
  • Higher risk taker
  • Looking for maximum long term growth
  • High tolerance for fluctuations


100% Equities
More details i Infinity Global Stock Index Fund 100%

Conservative
LOW RISK
Friendly for:
  • Low risk taker
  • Looking for stable returns
  • Tolerance for low volatility


80% Fixed Income
20% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 30%
Global Investment Grade Credit Fund 5%
Asian Tiger Bond Fund 45%
Infinity Global Stock Index Fund 20%
Moderate
MEDIUM RISK
Friendly for:
  • Medium risk taker
  • Looking for moderate returns
  • Tolerance for some
    unpredictable fluctuations

40% Fixed Income
60% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 21.4%
Global Investment Grade Credit Fund 5%
Asian Tiger Bond Fund 8.6%
Emerging Markets Bond Fund 5%
Infinity Global Stock Index Fund 60%
Growth
HIGH RISK
Friendly for:
  • High risk taker
  • Looking for capital growth
  • Tolerance for sharp
    fluctuations

20% Fixed Income
80% Equities
More details i ILP Sub-Funds Allocations
Global Short Fixed Income Fund 2.5%
Global Investment Grade Credit Fund 2.5%
Asian Tiger Bond Fund 11.9%
Emerging Markets Bond Fund 3.1%
Infinity Global Stock Index Fund 80%
Aggressive
HIGH RISK
Friendly for:
  • Higher risk taker
  • Looking for maximum
    long term growth
  • High tolerance for fluctuations

100% Equities
More details i Infinity Global Stock Index Fund 100%

Portfolio Historical Returns

Packaged Fund Conservative Moderate Growth Aggressive
Avg annualised return -0.89% 0.43% 2.56% 10.82%

The portfolio illustration is based on historical returns of the underlying funds over the period mentioned. Returns are calculated using the compounded annual growth rate return based on monthly data on a NAV-to-NAV basis, with all dividends (if any) and distributions (if any) reinvested (net of reinvestment charges) for the period 31 December 2018 to 30 June 2022. Past performance is not a guarantee for future returns. Past performance of the ILP sub fund is not necessarily indicative of the future performance of the ILP sub fund. Before investing, investors should carefully consider investment objectives, risks, charges, and expenses, and if need be, seek independent professional advice.

The Average compounded returns of each underlying fund in the Packaged fund of the same period mentioned above as below:

FundDimensional Global Short Fixed Income FundPIMCO Global Investment Grade Credit FundBlackRock Asian Tiger Bond FundPIMCO Emerging Markets Bond FundLionGlobal Infinity Global Stock Index Fund
Avg annualised return-0.74%-3.22%-1.51%-0.89%10.82%

Don’t be shy, we’re here to help

Have an enquiry, not sure what’s best for your needs? Speak with us.

How It Works

Before Applying

Verification
Verify via Myinfo or Snap photos of the front and back of your NRIC/FIN Pass.

Ensure that you are:
  • A Singapore Citizen or Permanent Resident with a valid NRIC or a foreigner holding a valid Work Pass/Permit or Long-Term Visit Pass.
  • Between Age Next Birthday of 17 and 60 years old.
  • Understand spoken and written English.
Online Payment
Pay via PayNow or DBS/POSB Bank account

Important Notes: Etiqa does not provide financial advice for this product, by proceeding with the purchase, it is your responsibility to ensure the suitability of the ILP product selected and you will not be able to rely on Section 27 of FAA to file a civil claim in the event you allege you’ve suffered a loss.

Frequently Asked Questions

Tiq Invest is a single Premium investment-linked insurance plan that is designed to meet your wealth accumulation needs. It matures on the Policy anniversary immediately before the Life insured attains 100 years old. This plan provides protection against death and Terminal illness of the Life insured during the policy term.

This plan allows you the flexibility to choose from a list of Packaged funds for investment. This plan is subject to the market performance of the assets of the ILP sub-funds. Your investment returns are subject to investment risks, including the possible loss of the principal invested. The value of the units in the Packaged fund may fall as well as rise depending on economic / market conditions.

You can purchase this policy for yourself if you are:

  1. a Singapore citizen or permanent resident with a valid NRIC; or
  2. a foreigner holding a valid Work Pass/Permit or Long-Term Visit Pass; and
  3. You are between age 17 to 60 (age next birthday); and
  4. You met the Customer Knowledge Assessment (CKA) criteria

If you have any other enquiries, you may WhatsApp our friendly Customer Care Consultants at +65 6887 8777 during our operating hours – Mondays to Fridays, 8.30am to 5.30pm. We are closed on Saturdays, Sundays, and Public Holidays.

Useful Information

Product Summary: Tiq Invest
Fund Summary: Tiq Invest
Info on Packaged Funds & ILP Sub-Funds: Tiq Invest
General Provisions: Tiq Invest
Funds Factsheets: August 2022
Annual Funds Report: 2021
Semi-Annual Funds Report: 2022

Download Tiq by Etiqa App

Register and share your referral code with friends to earn rewards on Tiq by Etiqa app!

See What Our Customers Say

Important notes:

1 Based on the available digital Investment-Linked Plan (ILP) as at 02 November 2021. This comparison does not include information on all similar products. Etiqa Insurance Pte Ltd does not guarantee that all aspects of the products have been illustrated. You may wish to conduct your own comparison for products that are listed in www.comparefirst.sg.

2 A fee that we charge for the management of your Tiq Invest policy.

3 The minimum partial withdrawal amount is S$200. After partial withdrawal, the minimum account balance must be at least S$200.

4 Refers to single premium plus ad-hoc and recurring top-up paid to date less withdrawals less any fees and charges applicable.

This policy is underwritten by Etiqa Insurance Pte. Ltd.

Tiq Invest is an Investment-linked Plan (ILP) which invest in ILP sub-fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s).

A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from us via www.tiq.com.sg/product/tiqinvest. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you.

This content is for reference only and is not a contract of insurance.

Full details of the policy terms and conditions can be found in the policy contract.

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 us or visit the Life Insurance Association (LIA) or SDIC web-sites (www.lia.org.sg or www.sdic.org.sg ).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is accurate as at 23 September 2022.

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