GROWING YOUR WEALTH I N T H E L ION C I TY
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1 GROWING YOUR WEALTH I N T H E L ION C I TY
2 The wealth you ve built at home speaks of your success. As a High Net Worth individual, you have the means to make your mark further afield. By making Prudential Singapore your preferred financial partner, you become part of a relationship that has endured for over 85 years in one of the most secure and regulated countries in the world. C O N T E N T S 03 A haven in an uncertain world 08 Your financial needs are different at the top 06 A financial powerhouse 09 Sit back and enjoy your success 07 Why Prudential 14 An overview of insurance in Singapore and China
3 A HAVEN IN AN UNCERTAIN WORLD Singapore works. At the forefront of the knowledge economy, it has built its reputation around quality, reliability, integrity and rule of law while maintaining one of the highest standards of living in the world. By allocating a portion of your assets for investment in Singapore, you gain the stability, security and immediacy of an international financial hub. It is also home to a rich mix of insurance corporations. The Singapore advantage includes: Stable government and currency The financial lynchpin in Asia, Singapore s renowned stability gives you peace of mind and the confidence to invest and explore. A well-regulated financial industry All financial institutions and Financial Consultants are regulated and overseen by Singapore s central bank. A pro-business stance To the investor this translates into competitive tax laws and rates that do not erode your earnings, ease of investment and safe, secure transactions. 03
4 HEALTHCARE Singapore is an international medical hub with world-class medical infrastructure in Asia and was ranked first as the global favourite medical tourism destination by the PHD Chamber Medical and Wellness Tourism Report 2013*. Easy access to experienced senior specialists High degree of specialisation within specialist cadre Many trained in top hospitals around the world Use of latest equipment, techniques and treatments Singapore ranked first for most efficient healthcare system out of 51 countries by Bloomberg in 2014 Ranked second in the world for healthcare outcomes by The Economist Intelligence Unit (EIU) in 2014 Source: Singapore Tourism Board. *Source: Singapore Tourism Board 04
5 EDUCATION With a distinct lack of natural resources, Singapore s only historical advantage was a well-educated, innovative and motivated workforce. This spirit continues today with an educational system that is envied the world over. World-class universities at your door step Excellent ecosystem for a multicultural, multilingual education Top-tier tertiary education at lower cost than many other countries High standard of living in a cosmopolitan city Singapore Australia US Cost of University Education S$87,000 S$171,050 S$145,653 Sources: SPH The Sunday Times, 19 May 2013; British Council; United States Education Information Centre; Ministry of Education The National University of Singapore was ranked first in a list of top Asian universities. The Nanyang Technological University was also jointly ranked second in Asia. Source: Straits Times June , NUS, NTU top Asia s best universities list. 05
6 A FINANCIAL POWERHOUSE Headquartered in London, Prudential has been a trusted name in Singapore for over 85 years. A market leader in Singapore where it manages S$30 billion in funds Listed on the Singapore Stock Exchange and other major stock exchanges across the world Maintained AA Financial Strength Rating by Standard & Poor s in
7 WHY PRUDENTIAL A key component of your relationship with Prudential Singapore is our commitment to giving you the finest financial service possible, anywhere you may be. Dedicated Financial Consultants who will see to your needs A customer service hotline for the assistance or information you may need at * Exclusive benefits such as a limousine service when you arrive in Singapore Special invitations to premier events as one of our valued clients Access to reputable hospitals and world-class health care services through our special tie-ups *8.30am to 5.30pm (SGT), Mon to Fri, excluding Singapore public holidays. 07
8 YOUR FINANCIAL NEEDS ARE DIFFERENT AT THE TOP Protecting yourself and your assets while minimising your liabilities requires forethought and preparation. The place to start is a bespoke, comprehensive financial plan from Prudential. Keyman Insurance Asset Management Retirement Planning Succession Planning 08
9 SIT BACK AND ENJOY YOUR SUCCESS They say the person at the top of the mountain didn t fall there. Perhaps it s time to relax and enjoy the view. With a little care and planning, your golden years can be the best ones of your life. 09
10 KEYMAN INSURANCE The cornerstone of a successful company often comprises a few key people who provide the leadership and vision that drive growth. Should the unthinkable happen, the loss of even one of you could be devastating to the company. Keyman protection helps to fill the vacuum left by the loss of a key appointment holder by covering critical expenses. It is also an attractive incentive to entice your core team members to stay with the company. 10
11 ASSET MANAGEMENT You ve worked for this all your life, now make your wealth work for you. Prudential Singapore will do our best to help you grow your wealth by offering holistic financial planning that ensures your finances are taken care of. INVESTMENTS with higher risk and volatility with potentially better returns A RESERVE that gives you smooth and steady returns DEFENSIVE ASSETS to protect your wealth AN EMERGENCY RESERVE comprising 3 to 6 months of cash or easily liquidated assets 11
12 RETIREMENT PLANNING Time and tide wait for no man. In a rapidly aging society, not only do you have to care for your own health but also that of your dependants. In fact, 77% of High Net Worth individuals in China live in nuclear families with a child to care for in addition to an average of 3 elderly family members*. By availing yourself of first class advice from both financial and medical experts in Singapore, you ll be ensuring your physical and fiscal well-being for years to come. * Source: Retirement Planning and Healthcare of Chinese HNWIs 2016, Hurun Report & Taikang. 12
13 SUCCESSION PLANNING A succession plan keeps your assets in the family and distributes them as you see fit. Freed from concerns over wealth transmission, you ll be spending more time on the golf course with your friends and less time in lawyers offices tussling over who gets what. To ensure the equitable distribution of your assets, consider using an insurance policy. With 85 years experience in Singapore, Prudential is uniquely placed to advise you on what best suits you. 13
14 AN OVERVIEW OF INSURANCE IN SINGAPORE AND CHINA 14
15 SINGAPORE CHINA Coverage for early stage medical conditions Yes Coverage for intermediate stage medical conditions Yes Potentially lower premiums due to higher life expectancy* PREMIUM & COVERAGE Coverage for early stage medical conditions No Coverage for intermediate stage medical conditions No Potentially higher premiums due to lower life expectancy* Personal Data Protection Yes PERSONAL DATA PROTECTION Personal Data Protection Yes Policy must be signed in Singapore SIGNING CONDITIONS Policy can be signed in China Governed by regulatory body Yes REGULATORY OVERSIGHT Governed by regulatory body Yes Certification needed before being contracted as Financial Consultant? Yes Annual professional development training requirement Yes FINANCIAL CONSULTANT CERTIFICATION Certification needed before being contracted as Financial Consultant? Yes Annual professional development training requirement No * Source: The World Bank, Life Expectancy at Birth, Total (Years) For more information, speak to your Prudential Financial Consultant. Call us at today. NOTES: This brochure is not a contract of insurance and all data shown here are for informational purposes only. Whilst Prudential Assurance Company Singapore (Pte) Limited ("Prudential") has made every effort to use reliable sources, we are not able to independently verify the accuracy of the data used herein. Customers should not rely solely on the information set out in this brochure in making a decision to enter into any transaction as nothing contained herein constitutes financial, investment or any other professional advice. We recommend that customers seek advice from a Prudential Financial Consultant. To the fullest extent allowed under the laws of Singapore, Prudential does not warrant and hereby disclaims any warranty as to the accuracy, reliability, currentness, non-infringement or fitness for any particular purpose of any contents of this brochure. This brochure is only for use in the Republic of Singapore and cannot be interpreted as being provided outside of the Republic of Singapore or persuading any consumers outside of the Republic of Singapore to buy any insurance product. This brochure does not form part of any individual's policy contract or advice, invitation or suggestion to purchase any insurance contract or engage in any similar transaction that is stated in this brochure. Information is correct as at 22 March
16 Singapore and Prudential. Your perfect partners to grow and protect your wealth. Your relationships are precious. Protect them. 16
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