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✨ 𝐖𝐡𝐲 𝐲𝐨𝐮 𝐬𝐡𝐨𝐮𝐥𝐝𝐧’𝐭 𝐫𝐞𝐧𝐞𝐰 𝐲𝐨𝐮𝐫 𝐅𝐢𝐱𝐞𝐝 𝐃𝐞𝐩𝐨𝐬𝐢𝐭𝐬 𝐚𝐧𝐝 𝐓-𝐁𝐢𝐥𝐥𝐬 ✨ With Fixed Deposits, T-Bills, and SSBs now yielding 𝐛𝐞𝐥𝐨𝐰 𝟐%, your hard-earned money isn’t working as hard as it should. CPF Special Account which offers 4% has also been closed for age 55 and above. The 𝐌𝐨𝐧𝐭𝐡𝐥𝐲 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐅𝐮𝐧𝐝 pays out 𝟔.𝟓% 𝐩.𝐚., giving your savings the boost they truly deserve. Stop settling for low returns — let your Retirement Funds generate sustainable monthly income for your retirement years. You will only be advised by our Retirement Specialist, 𝐰𝐢𝐭𝐡 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝟏𝟎 𝐲𝐞𝐚𝐫𝐬 𝐨𝐟 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐏𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, to advise you on: 1. How to 𝐎𝐩𝐭𝐢𝐦𝐢𝐳𝐞 your CPF Funds 2. How to 𝐌𝐚𝐢𝐧𝐭𝐚𝐢𝐧 your Retirement Funds 𝐏𝐫𝐨𝐭𝐞𝐜𝐭 𝐘𝐨𝐮𝐫 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐅𝐮𝐧𝐝𝐬. For CPF members who are born in 1961-1970, your CPF Life payout of $1,350-$1700 per month might not be enough for a sustainable standard of living. Find out how you can use a good quality bond fund to pay yourself 6.5% p.a. Monthly in Dividends for Life. Speak to our Retirement Specialist, 𝐰𝐢𝐭𝐡 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝟏𝟎 𝐲𝐞𝐚𝐫𝐬’ 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 and they will show you how a structured Retirement Portfolio can help you provide a monthly Retirement Monthly Income for Life: 𝟏) ↗ 𝟔.𝟓% 𝐩.𝐚 𝐌𝐨𝐧𝐭𝐡𝐥𝐲 𝐈𝐧𝐜𝐨𝐦𝐞¹ 𝟐) ⏱ 𝐏𝐚𝐲𝐨𝐮𝐭 𝐟𝐫𝐨𝐦 𝟏𝐬𝐭 𝐦𝐨𝐧𝐭𝐡 (𝐍𝐨 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 𝐩𝐞𝐫𝐢𝐨𝐝) 𝟑) ✅ 𝐂𝐨𝐦𝐩𝐥𝐞𝐦𝐞𝐧𝐭𝐬 𝐲𝐨𝐮𝐫 𝐂𝐏𝐅 𝐋𝐢𝐟𝐞 𝐛𝐲 𝐩𝐫𝐨𝐯𝐢𝐝𝐢𝐧𝐠 𝐲𝐨𝐮 𝐚 𝐡𝐢𝐠𝐡𝐞𝐫 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐈𝐧𝐜𝐨𝐦𝐞 𝟒) 💎 𝐔𝐩 𝐭𝐨 𝟒𝟓% 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐖𝐞𝐥𝐜𝐨𝐦𝐞 𝐁𝐨𝐧𝐮𝐬 𝐢𝐧 𝐘𝐞𝐚𝐫 𝟏¹ 𝟓) 💎 𝐂𝐚𝐩𝐢𝐭𝐚𝐥 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐮𝐩𝐨𝐧 𝐩𝐚𝐬𝐬𝐢𝐧𝐠 𝐨𝐧/𝐓𝐞𝐫𝐦𝐢𝐧𝐚𝐥 𝐢𝐥𝐥𝐧𝐞𝐬𝐬¹ Don’t wait any longer. Click below and find out more on how to optimise your Retirement Funds now! *T&Cs apply *Terms and Conditions: This advertisement has not been reviewed by the Monetary Authority of Singapore. Risk Warning: Investments in this policy are subject to investment risks including the possible loss of the principal amount invested. 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. Clients must be prepared to invest for the long term as early surrender of policy will result in much lower returns. 1. The illustrated return payout from 1st month is a potential 6.5% p.a. dividend monthly and is based on Allianz Income and Growth fund under the investment-linked insurance policy that has annualised dividend yield of average of 8.32% dividend rate from 14 Jan 2020 to 15 Jan 2025 with a monthly dividend frequency before deducting any other charges. The performance of the fund(s) is not guaranteed and past distribution yields and payments are not necessarily indicative of future distribution. Historical payments may comprise of distributable income or capital, or both. 2. The guaranteed welcome bonus of $45% is based on a premium term of 10 years. The last age of entry is ANB 75. Terms and conditions apply. 3. The Death Benefit payable for this plan is the higher of: (a) $101% of (total basic regular premiums paid plus any single premium top-up less any withdrawal made); or (b) the account value; less any policy fees/charges. This advertisement is published for general information only and does not take into account the specific investment objectives, financial situation or needs of any particular person. It does not constitute a recommendation or an offer to solicit the purchase of any product. Suitability can only be determined after a proper fact-finding process. Full details of the standard terms and conditions of this policy can be found in the relevant policy documents upon request. Past performance of the ILP sub-fund(s) is not necessarily indicative of future performance. Please seek advice from a financial adviser representative before making any commitment. Product brochure: https://www.manulife.com.sg/en/funds/funds-pb.html/funddetails/AIGA Information is published as of 30 Oct 2025. Please see more T&Cs here: http://bit.ly/3WYnRBx