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DWP

Dynamic Wealth Planning

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ABOUT US

 

Dynamic - characterized by constant activity, changes or progress

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We believe that investment strategies must not be passive, nor rigid.

We must always be prepared for any changes in the markets.

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Key investment strategy: Active Monitoring:

To keep pace and be updated with the ever-changing market conditions.

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Meet the Advisors

Led by Dr. DG

Our Team of Experienced Qualified and Competent Advisors

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Why Invest?

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Investing can be a smart financial move for several reasons:

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  • Empower your growth: Investing allows your money to grow over time through compounding interest and capital appreciation. This can help you build wealth and achieve your desired financial goals faster.

  • Beat inflation: Keeping your money in a savings account may not keep pace with inflation. Investing can potentially provide higher returns that outpace inflation, better preserving your purchasing power.

  • Diversification: Investing in a diversified portfolio can spread risk across different assets, industries, and regions. This can help reduce the impact of market volatility on your overall portfolio.

  • Long-term goals: Investing is often essential for long-term financial goals such as retirement planning, funding education. Starting early and staying consistent with your investments can lead to significant wealth accumulation over time.

  • Financial freedom: Successful investing can provide financial freedom and flexibility, allowing you to pursue your passions, travel, or retire early and comfortably.

 

However, it is essential to consider your risk tolerance, investment goals, time horizon and expected rate of return, before making investment decisions.

 

 

 

The question is, WHO will be managing your investments?

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Refer to next Section Article on Suitable Advisor

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New improved features in certain ILPs -

 

Two key features that we must have:

 

The allocation rate must be 100% from the first year. Meaning 100% of the premium must be invested to buy units from the start of the policy year.

 

The charges must be low. The charges of some ILPs increase exponentially with age! With the high charges, there is no way for the policy to make a decent profit. The plan that we recommend - 100% allocated. There are no insurance charges for the plan

Note the Benefit Illustrations (BIs) act as a reference and guideline only. We are confident to outgrow and match the numbers. Our target is at least a healthy 6% p.a after charges !

We use the proprietary DWP Investment system 

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We never advocate Dollar Cost Averaging (DCA), which -

is not a strategy since it involves ZERO EFFORT on the Advisor's part. It's like paying the bills on a regular basis with no conscious effort put in at all for DCA.

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Ask your Advisor for more details on how the DWP Investment System works!

Why are we selling ILPs now?

 

We are now selling the Investment-Linked Policies (ILPs) for several reasons:

  • Potential for higher returns: ILPs invest a portion of the premiums in various investment funds, including equities, bonds, and other assets. Depending on market performance, ILPs have the potential to generate higher returns compared to traditional insurance policies.

  • Market demand: Some clients prefer ILPs because they see them as a way to achieve higher returns compared to traditional insurance plans. Advisors sell ILPs to meet this demand and provide clients with products that align with their financial goals.

  • We are Very competent to do so: Seriously, not all advisors out there are competent enough to understand how to invest effectively for their clients. Rather than letting our clients buy the ILPs from other Advisors, it is definitely better for our clients to get the plans from us instead. Working as a team, we are confident to out-perform better than all other individual advisors out there. 

  • Building long-term relationship with clients: Building long-term relationships is a win-win for insurance advisors and clients. It fosters trust, enhances service quality, promotes loyalty, and creates opportunities for mutual growth and success in the long run.

  • Most importantly: New improved features of the ILPs: Previously, ILPs had very low allocation rates and high charges, which made investing with in ILPs not favorable at all. Currently, there are some ILPs with features that are beneficial and attractive to invest in. 

 

It is very critical for clients to understand the features, risks, and costs associated with ILPs before purchasing. ILPs come with investment risks, such as market volatility and potential loss of capital, in addition to insurance charges. Clients should carefully review the policy terms, fees, fund options, and surrender charges before making a decision.

 

Working with a knowledgeable, competent and ethical Advisor can help ensure that ILPs are suitable for the client's financial situation and goals.

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