Singapore Insurance

Insurance par fund, also known as participating fund or with-profits fund, is a unique investment component offered by insurance companies. It is an attractive option for individuals seeking a balance between insurance coverage and potential investment returns. In this article, we will delve into the concept of insurance par funds, their benefits, considerations, and how they work. What is an Insurance Par Fund? An insurance par fund is a pooled investment fund created by an insurance company using the premiums paid by policyholders. The insurer manages this fund and invests it in various assets such as stocks, bonds, and real estate. The returns generated by these investments are shared with the policyholders in the form of bonuses or dividends. Benefits of Insurance Par Fund: Stability and Security: Insurance par funds aim to provide stability and security to policyholders by offering guaranteed minimum bonuses, which help mitigate market fluctuations.Participating in Investment Retu...