Capturing the opportunity of earning higher return is the goal of everyone. China Construction Bank (Macau) proudly presents MassMutual Asia Ltd.'s Premier-Choice PLUS InvestPlan which gives you the option of gearing up your investments with a comprehensive range of investment funds by making a single one-off contribution.
Top-up bonus contribution enhances potential returns
Bonus Contribution1 is guaranteed on top of your contribution. The Bonus Contribution is equivalent to 1% of the single premium amount and will be credited to the policy at the first policy anniversary.
Loyalty bonus adds extra value to your investments
Premier-Choice PLUS offers you an extra Loyalty Bonus of 1.25% of your aggregate annual policy value at the end of the 15th policy year and at the end of every 5 years thereafter2. The Loyalty Bonus will be used to buy additional investment units according to your fund allocation instructions in effect at the time.
Easy access to world-class funds
Full spectrum of world-class investment options3 ranging from global equity funds, bond funds, sector funds to derivatives funds are available for your choice.
No bid-offer spread for most funds leaves you with more money to invest
No bid-offer spread4 is applicable for most fund options. This helps you make your money work much harder for you.
Zero Fund Switching Charges to Capture Greater Potential Returns
Offers free switching5 of your investment among the various investment funds to maximize the overall portfolio.
For enquiries, please call our
Bank By Phone at 0800 555 or visit our branches.
Remarks:
- Bonus Contribution is calculated based on the single-premium amounts net of cash withdrawal amount and corresponding surrender charge during the first policy year.
- The Loyalty Bonus is equal to 1.25% of the aggregate annual policy value for the respective period, i.e., in calculating the first Loyalty Bonus credited to the policy at the 15th policy anniversary, the aggregate annual policy value within the first 15 years will be used; for the Loyalty Bonus credited every 5 years thereafter, the aggregate annual policy value for the preceding 5 years will be used. Loyalty Bonus will also be credited at benefit expiry, based on the aggregate annual policy value within the period from the date of last Loyalty Bonus credited to the end of policy. Annual policy value is the average monthly policy value during the respective policy year.
- The allocation for each selected fund should be not less than 10% of total investment and should be a whole-number percentage.
- The bid-offer spreads of certain funds are shown in the "Investment Choice" brochure.
- Bid-offer spreads are imposed on some fund options as stated in the "Investment Choice" brochure.
The above content contains general
information only. For full details and charges of the plan,
please refer to the Principal Brochure. For detailed terms
and conditions, please refer to policy provisions. China
Construction Bank (Macau) is an appointed insurance agent
(Corporate body established in Macao) of MassMutual Asia
Ltd. ("MassMutual Asia"). This plan
is underwritten by MassMutual Asia, an authorized insurer
approved by the Office of the Commissioner of Insurance
of Hong Kong.
Important information:
Investors should remember that each investment fund is subject to market and exchange rate fluctuations and to the risks inherent in all investments. Past performance is not indicative of future performance. The price of funds may go down as well as up. This website is for information purposes only and does not constitute an offer or solicitation for the purchase or sales of any funds or insurance. Please refer to the Principal Brochure for details.
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