Savings - Global Savings

With frequent travel and multiple tax systems to consider, life as an expat isn't always simple. So we've designed an investment-linked savings plan that is. Whether you're saving for a car, a house, or just a rainy day, our exclusive Global Savings Account can help you meet your financial goals in a way that suits your global lifestyle – offering tax efficiency^, transparency, and the flexibility to meet your changing needs.

Key benefits

1. Tax efficiency^
   • Pre-tax premiums
   • Tax-free returns (depending on your location)
   • 50-cluster policy feature
2. Transparency
   • Registered with the Monetary Authority of Singapore (MAS).
   • 100% direct rather than mirror funds to maximise performance and minimise exposure and fees.
   • No bid/offer spread pricing means 100% of your money is invested (after any fees are paid).
3. Flexibility
   • Start your regular premium contributions from as low as S$250 a month.
   • Unemployment premium flexibility feature.
   • Increase contributions at any time (minimum S$90 a month)^.
   • Set your own policy term (eight to 30 years).
   • Unlimited free fund switching.
   • Make contributions monthly, quarterly, half-yearly or yearly.
   • Pay by GIRO, credit card, bank draft, cheque or telegraphic transfer.
   • Scope for withdrawals.
   • Premium holidays (the plan's Net Asset Value (NAV) must exceed the Minimum Policy Value).
   • Choose from six contract currencies (£, €, A$, US$, HK$ or S$).
   • Top-up your investment with single-premium units where available, with 100% allocated as Accumulation Units after all fees are paid.

^The Initial Contribution Period for the increased portion of the regular premium contribution will start at the next appropriate premium due date from the receipt date of the increased premium.

• Premiums are automatically deducted at scheduled intervals.
• Once applicable fees are paid, units are purchased according to your investment decisions.
• All purchases allocated as Initial Units during the 18-month Initial Contribution Period (starts when policy becomes effective or when regular premium amount is increased).
• After the Initial Contribution Period, contributions are allocated as Accumulation Units.
• Each underlying fund is subject to a single, simplified 'dealing price' used for all purchases, fund switches and withdrawals.
• The unit price of these special sub-funds will be the same as the underlying fund, with no additional fees charged by Aviva.
• Once the policy reaches maturity, you can choose to receive the proceeds or remain invested.
• In the event of accidental death, the plan will pay 106% of Net Asset Value (up to age 65) or, for non-accidental death, 101% of NAV*.

*In the event of non-accidental death during the Initial Contribution Period, the value of any allocated bonus units will be excluded from the NAV when determining the death benefit.

Invest in your future today

• You must be living or working in Singapore, a Singaporean working abroad, or a foreigner working in South East Asia.
• Joint ownership is permitted.
• You must be between the ages of 19 and 67 on your next birthday.
• For a third-party policy, the minimum entry age for the life assured is a year old at next birthday and age 19 at next birthday for the assured.
• Age of life assured at maturity cannot exceed 75.

Meet our requirements? Apply now

• Loyalty Bonus will be paid when policy matures for policy terms of 15 years or more. Bonus starts at 1% of the total original regular premium paid during the policy term for a 15-year term policy and increases by 0.1% for each additional year of the policy term, up to a maximum of 2%.
• Additional bonus units for higher contribution amount. Contribute more than S$700 a month and you can possibly receive up to 30% additional bonus units during the 18-month Initial Contribution Period.

Start reaping the rewards