AIA Wealth Venture Model

The default inputs match the uploaded BI. The public product mechanics are applied first, then a policy-year-12 carried-value anchor is used for that exact scenario because the PDF only exposes rounded yearly values while the AIA engine carries internal unit values at higher precision.

They are illustrated investment returns before fund management charge. They are not guaranteed returns, caps, floors, or forecasts.

The model includes Welcome Bonus during the first five policy years, Investment Bonus at the beginning of policy years 9 to 12, and Performance Bonus from policy year 9 onward.

The model includes fund management charge, monthly supplementary charge, monthly benefit charge where sum-at-risk is positive, top-up premium charge, partial withdrawal charge, and full surrender charge.

Benefit charge is applied monthly when there is positive sum at risk. The annual rate below is charged per S$1,000 of sum at risk, based on gender and attained age.

When target dividend yield is above 0%, the model switches to the selected dividend portfolio return from the payout start age. If dividends are paid out, they are shown as client cashflow and do not reduce the underlying fund value. If reinvested, they are added back into the fund value as reinvested dividend top-up units and tracked separately.

Changed scenarios use the same source-document mechanics, but they should be validated against additional official BIs before being treated as exact. The current exact match is proven only for the uploaded default BI.

The main screen keeps the repeated adviser workflow visible: inputs, headline outputs, chart, and BI table. Secondary mechanics stay available in expandable sections so the page stays usable during live modelling.