What is INSPIRE? A S$ denominated recurring single – premium (RSP) Investment Linked Plan. It consist of 5 sub funds: 1.GUARDIAN 2.HARVESTER 3.PLANNER.

What is INSPIRE?

A S$ denominated recurring single – premium (RSP) Investment Linked Plan.

It consist of 5 sub funds:

1. GUARDIAN2. HARVESTER3. PLANNER4. SEEKER5. ENTREPRENEUR

Sub Fund Asset Allocation

GUARDIAN 100% Global Fixed Income

HARVESTER 70% Global Fixed Income and 30% Global Equity

PLANNER 50% Global Fixed Income and 50% Global Equity

SEEKER 30% Global Fixed Income and 70% Global Equity

ENTREPRENEUR 100% Global Equity

Sub Fund Investment ObjectivesGUARDIAN To achieve an attractive level of total return from a

globally diversified portfolio that invests in investment grade bonds and high quality mortgage related and asset backed securities

HARVESTER To achieve long term growth of capital by investing primarily in a diversified portfolio of global fixed income securities, with limited exposure to a diversified portfolio of global equitites.

PLANNER To achieve long term growth of capital by investing in a balanced globally diversified portfolio of fixed income securities and equities.

SEEKER To achieve long term growth of capital by investing primarily in a diversified portfolio of global equities,with limited exposure to a diversified portfolio of global fixed income securities.

ENTREPRENEUR To achieve long term growth of capital by investing in a diversified portfolio of global equities.

Asset Class Sub - Fund Guardian Harvester Planner Seeker Entrepr

Fixed Income

US Short term Fixed Income

Short Maturity Dollar

60% 20% 10% 0% 0%

Global Bonds

Global Developed Markets Fixed Income

40% 50% 40% 30% 0%

Total Fixed Income

100% 70% 50% 30% 0%

Equities

Focus Industries

Global growth Trends

0% 10% 20% 20% 30%

US American Growth

0% 5% 10% 10% 15%

American Value

0% 5% 10% 10% 15%

Europe European Growth

0% 5% 5% 10% 15%

European Value

0% 5% 5% 10% 15%

Global – Emerging Markets

Developing Region Markets

0% 0% 0% 10% 10%

Total Equity

0% 30% 50% 70% 100%

Asset Allocation - Guardian

US Short Term Fixed

Income60%

Global Bonds40%

Asset Allocation - Harvester

US Short Term Fixed Income

20%

Focused Industries

10%

US Equities10%

Europe Equities

10%

Global Bonds50%

Asset Allocation - PlannerUS Short Term Fixed Income

10%

Focused Industries

20%

US Equities20%

Europe Equities10%

Global Bonds40%

Asset Allocation - SeekerUS Short Term Fixed Income

0%

Focused Industries

20%

US Equities20%

Europe Equities

20%

Emerging Markets

10%

Global Bonds30%

Asset Allocation -EntrepreneurUS Short Term Fixed Income

0%

Focused Industries

20%

US Equities20%

Europe Equities

20%

Emerging Markets

10%

Global Bonds30%

Alliance Capital Management

• One of the most experienced and largest publicly traded investment managers in the world.

• Manages assets of over US$450 billion• Selected by 45 of the Fortune 100 companies

and hundreds of central banks and global institutions to manage employee benefit plans

• 600 investment professionals in over 35 subsidiaries and affiliate investment offices worldwide

• Manages many highly acclaimed and award winning funds

AXA

• A world leader in wealth management and financial protection

• 17th largest corporation in the world• US$802 billion in managed assets• US$35.9 billion in market capitalisation• 140,000 employees and advisors worldwide• 50 million customers• 60 countries worldwide operations

Why INSPIRE?

• INSPIRE is personal– Tailored to your personality,life

stage,lifestyle goals,investment time horizon and risk appetite

• INSPIRE gives more consistent returns– Combines both value and growth

investment styles to achieve consistent returns with reduced risks.

Why INSPIRE?

• INSPIRE lowers your average investment cost– Through “Dollar Cost Averaging”

principle

• INSPIRE diversifies investment risk– Offers diversified investment portfolio

to cushion the effect of poor performance in any individual investment markets at any given time

Why INSPIRE?

• INSPIRE is flexible– You can switch between

portfolios,make top ups, full or partial withdrawals

• INSPIRE is more than an investment tool– Life insurance coverage at no extra

cost.

INSPIRE at a glance• Minimum initial investment

– S$2500 with recurring premium or– S$5000 without recurring premium

• Recurring Investment– You can choose to stop paying your recurring

premium anytime without reducing your insurance benefit.The minimum recurring investment is:

• S$1500 annually• S$1000 semi-annually• S$500 quarterly or• S$200 monthly

INSPIRE at a glance

• Mode of payment– Cash, CPFIS-OA, CPFIS-SA & SRS

• Bonus Units for large investments– There will be bonus units issued

for large premium sizesPremium Size (S$) Bonus Unit Values

50,000 – 99,000 0.25%

100,000 and above 0.50%

INSPIRE at a glance

• Top Up– You can top up your investment at

any time, subject to underwriting

• Withdrawal– You can make full or partial

withdrawals of units at the prevailing bid price

INSPIRE at a glance

• Charges

Sales Charge The sales charge is a % of the initial single premium, recurring

single premium or top up amount

5%

Annual Management Fee 1.2%pa of net asset value for Guardian

1.6% pa of net asset value for Harvester

Administration Fee 0.75% pa of net asset value.

Monthly Insurance Charge Borne by AXA

Switching Fee 2 free switches per policy year. Subsequent switches are at the lower $100 or 1% of the amount

switched