PAR Fund FY2015 Thread

[Shion]

Bumps. Anyone have aia, aviva or manulife par fund

I think not available yet

 

[Shion]

TS, please help update

Aviva

 

[oceanicmanta]

https://limkimtong.wordpress.com/20...e-insurance-participating-fund-2015-all-four/

this guy's data goes back to 2010 & also shows asset allocation of the funds.

 

[blurpandasg2014]

TS, please help update

Aviva

Thanks bro. Updated

 

[Shion]

https://limkimtong.wordpress.com/20...e-insurance-participating-fund-2015-all-four/

this guy's data goes back to 2010 & also shows asset allocation of the funds.

Waiting for AIA and Manulife - Want to see how "poor" they performed

 

[xiao.xin]

Can see pru quite aggressive with their portfolio according to the asset allocation from the blog.

Anyway someone mentioned the key point, what are the declared bonus when the market is not good? Is the smoothing really working?

 

[OngHuatHuat]

Around the same. 2012 or 2011 they even declare addtional bonus.

I think they smoothen the return, last 3 years my bonus much lesser than par fund return.

Can see pru quite aggressive with their portfolio according to the asset allocation from the blog.

Anyway someone mentioned the key point, what are the declared bonus when the market is not good? Is the smoothing really working?

 

[xiao.xin]

Around the same. 2012 or 2011 they even declare addtional bonus.

I think they smoothen the return, last 3 years my bonus much lesser than par fund return.

Your policy projection is based on 4.75 or 5.25? Anyway for those with projection of 4.75< will the insurer still honour the returns capped at that level?

 

[OngHuatHuat]

Din do exact calculation, but the actual one is somewhere between these 2 values.

Your policy projection is based on 4.75 or 5.25? Anyway for those with projection of 4.75< will the insurer still honour the returns capped at that level?

 

[xiao.xin]

Din do exact calculation, but the actual one is somewhere between these 2 values.

Gxgx, at least still higher than the current capped level. But I guess good intervention by MAS since endowments are meant to be low risk products.

 

[OngHuatHuat]

Mine is whole life leh.
I thought endowment they use lower risk combination?

Gxgx, at least still higher than the current capped level. But I guess good intervention by MAS since endowments are meant to be low risk products.

 

[xiao.xin]

Mine is whole life leh.
I thought endowment they use lower risk combination?

Doubt so, is the same par funds they're using. On top of that, the SA usually is lower for endowments plan, so the contribution to the par funds for return would be higher.

 

[SBC]

Most the PAR returns in 2015 are quite bad, considering SG & world economy are not ok.

Think 2016 will be worst off compared with 2015, in general.

 

[akwl88]

Lmao the fear mongering by insurance agents who keep saying no fear in their policies' returns

 

[Shion]

Lmao the fear mongering by insurance agents who keep saying no fear in their policies' returns

Firstly, it is fear mongering towards clients so that they will buy their products.

 

[Shion]

AIA 2015

http://www.aia.com.sg/content/dam/s...ticipating-fund-commentaries-2015-english.pdf

 

[akwl88]

AIA 2015

http://www.aia.com.sg/content/dam/s...ticipating-fund-commentaries-2015-english.pdf

means if my premiums is $1000 for last year, i only get $14?

 

[OngHuatHuat]

It is pretty strong to have a positive return last year.

means if my premiums is $1000 for last year, i only get $14?

 

[akwl88]

It is pretty strong to have a positive return last year.

ssb, cpf, savings accounts and fd also positive return

but i just want to know the answer to my question? do you know?

 

[OngHuatHuat]

Dunno.

Cpf special beat a lot of funds and people last year. Close to invincible.

ssb, cpf, savings accounts and fd also positive return

but i just want to know the answer to my question? do you know?