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NTUC Income Gro Retire Wise Review

The complete Pros and Cons on NTUC Income Gro Retire Wise

NOTE: NTUC Income Gro Retire Wise has been phased out and is no longer available. The latest updated and upgraded version is NTUC Income Gro Retire Flex.

NTUC Income Gro Retire Wise product details

NTUC Income Gro Retire Wise is a savings and retirement plan that provides you with regular annual payouts. The policy also pays 105% of the net premiums and of the bonuses or 101% of the net premiums and of the bonuses for those with medical conditions in the event of death or total and permanent disability (TPD before age 70) during the accumulation period.

  • Life policy – Annuity
  • Single premium
  • A savings and retirement plan that provides you with regular annual payouts
  • Pays 105% of the net premiums and of the bonuses or 101% of the net premiums and of the bonuses for those with medical conditions in the event of death or total and permanent disability (TPD before age 70) during the accumulation period
  • Pays 105% of the remaining regular payments or 101% of the remaining regular payments for those with medical conditions in the event of death or total and permanent disability (TPD before age 70) during the payout period
  • Flexibility to choose your desired retirement age from age 55, 60, 62 or 65 (last birthday). Alternatively, you can choose to retire in 10, 15, 20, 25 or 30 years from the start of your policy
  • You can choose to receive your regular retirement income over 20 years or in one lump sum at your chosen retirement age
  • Your policy will be accepted regardless of health condition

Read about:  Why your retirement planning starts now

Read about3 best Retirement plans and Annuity policies in Singapore (2023 Edition) *Updated*

Features of NTUC Income Gro Retire Wise at a glance

NTUC Income Gro Retire Wise Benefit Table

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: No
Terminal Illness: Yes
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

NA

Additional Features and Benefits

Yes.

For further information and details, refer to NTUC Income website. Alternatively, fill-up the form below and let us advise accordingly.

Read aboutEffects of compounding returns on your investments

Read about: The Complete Guide to Retirement Planning (2023 Edition) *NEW*

Policy Illustration for NTUC Income Gro Retire Wise, Leo

Policy Illustration on NTUC Income Gro Retire Wise, Leo

Leo, age 40, purchases NTUC Income Gro Retire Wise with a single premium of S$100,000 with a retirement age of 55.

At age 56, Leo chooses to receive his 20-year income in form of monthly payouts, giving him a projected monthly income of S$1,085 until he is 75 years old.

By age 75, Leo has received S$260,400 in total projected income. His NTUC Income Gro Retire Wise policy terminates thereafter.

Policy Illustration for NTUC Income Gro Retire Wise, Kelvin

Policy Illustration on NTUC Income Gro Retire Wise, Kelvin

Kelvin, age 40, purchases NTUC Income Gro Retire Wise with a single premium of S$100,000 with a retirement age of 62.

At age 63, Kelvin chooses to receive his 20-year income in form of monthly payouts, giving him a projected monthly income of S$1,473 until he is 82 years old.

By age 82, Kelvin has received S$353,520 in total projected income. His NTUC Income Gro Retire Wise policy terminates thereafter.

Key Difference Between Leo and Kelvin’s NTUC Income Gro Retire Wise Journey

NTUC Income Gro Retire Wise Comparison Table

Both Leo and Kelvin paid a single premium of S$100,000 but Kelvin receives a total of S$93,120 more than Leo in total retirement payout.

This is because Kelvin chooses a retirement age 7 years later than Leo, allowing for his funds to accumulate for a slightly longer time which, as we can see, results in much greater yield.

NTUC Income Gro Retire Wise may be suitable if you are looking for

NTUC Income Gro Retire Wise may potentially be a good fit if the following matters to you:

  • Regular cash payout; monthly, yearly, quarterly, or semi-yearly or
  • Lump-sum cash payout upon chosen retirement age
  • Single lump-sum premium payment with no further financial commitment
  • Insurance options without medical underwriting
  • Do not need access to the funds until retirement
  • To potentially generate higher financial returns compared to bank accounts

NTUC Income Gro Retire Wise may not be suitable if you are looking for

NTUC Income Gro Retire Wise may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • High insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Saving regularly over a period of time
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Read about: Why should you choose a shorter premium term on your insurance policies

Further considerations on NTUC Income Gro Retire Wise

  • How is NTUC Income or NTUC Income Gro Retire Wise investment returns based on historical performance?
  • How does NTUC Income Gro Retire Wise compare with retirement plans and annuity policies from other insurance companies?
  • Can NTUC Income Gro Retire Wise fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on NTUC Income Gro Retire Wise. Talk to us or seek advice from a financial adviser before making any decision about NTUC Income Gro Retire Wise.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Where can I compare the payout and benefits of retirement plans and annuity policies?

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It is too late to regret once you have made your financial commitment. Specific product features, benefits, and payouts will differ more than you think across insurance companies.

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NTUC Income Gro Retire Wise may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
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