Preferred Banking : Structured Investment

SmartSave Product

RBS Smart Save is a first of its kind single premium investment-linked plan that offers investment and a 3-in-1 protection.

Key Benefits

First of its kind investment-linked plan that allows you to opt for wholesome coverage with inclusion of higher coverage with critical illness protection.
A 3-in-1 financial product that addresses your wealth accumulation, wealth protection & wealth distribution needs.
Immediate trust creation - money invested in the plan is protected against creditors for policy nominated to the spouse/children. This is to guarantee your beneficiaries to receive all that is rightfully theirs. No extra fees for the creation of this trust.
125% of your initial investment sum PLUS 100% of any additional lump sum investments, less withdrawal, OR the equivalent of your investment current value, whichever is higher will be paid out in the event of untimely death / TPD even at the very unfavorable market condition - this will provide you with peace of mind over your investment.
Professionally managed by PHEIM Asset Management Sdn Bhd.
In-built flexibility gives you control over your investment structure.
Smart Save offers you the flexibility to keep up with your current financial needs.
- Switch your investment from one fund to another to maximise market performance trends. The first switch each year is free. Subsequent switches each year will incur a switch fee of RM30 per transaction. Terms and conditions apply.
- Partially withdraw your investment anytime to accommodate any personal, business or family needs. Just ensure you maintain an account balance that is greater than the required minimum fund value. Terms and conditions apply.
- Top-up your investment anytime and increase your potential to earn more returns.
Option to add riders: Extend your level of protection with additional benefits which include:
- Level Term Rider
- Critical illness Rider
- Accidental Protector Rider
Entry Age: 0 to 65 years old (age nearest birthday)
Greater diversification to a range of professionally managed unit-linked funds with attractive potential returns: Active Bond Fund, Dana Imbang, Active Balance Fund, And Asia Pacific Growth Fund.

Disclaimers:

These product (s) described herein are solely the responsibility of AXA Affin Life Insurance Berhad (723739-W) and are not or shall it be considered as bank deposits or obligations of or guaranteed by The Royal Bank of Scotland Berhad (301932-A) ('Bank'), its parent company or any of its affiliates or subsidiaries.