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Wealth Management
The earlier you start a unit trust savings plan, the better

"A step ahead in living a life you desire"

The earlier you start a unit trust savings plan, the better the compound interest effect can work for you. The impact can be illustrated below:

  • Let's use target saving of $5,000,000 as an example. If an investor starts a unit trust savings plan (plan 1) at 22 and saves $1,093 per month or $13,199 per annum. Assuming an annual return of 10.19%, when he/she reaches 29, he/she can stop further contributions and let the funds grow till his/her retirement at 65. Total contributions will be $91,833 only and his/her retirement fund is expected to be $5,000,058.
  • Or if the investor starts a similar unit trust savings plan (plan 2) at 29, makes the same amount of monthly contribution ($13,199 per annum) and assuming the same return of 10.19% p.a., he/she will have to make monthly contribution till retirement at 65 to reach the targeted retirement fund of $5,000,107. His/her total contributions during the payment term will be as high as $485,403.

 

 

 

  Plan 1 Plan 2
Age Annual Contribution Accumulated retirement fund Annual Contribution Accumulated retirement fund
22 
23 
24 
25 
26 
27 
28 
29 
30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 
41 
42 
43 
44 
45 
46 
47 
48 
49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 
63 
64 
65 

$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119

 

$14,456 
$30,385 
$47,937 
$67,277 
$88,589 
$112,072 
$137,948 
$152,005 
$167,494 
$184,561 
$203,368 
$224,091 
$246,926 
$272,088 
$299,814 
$330,365 
$364,029 
$401,124 
$441,998 
$487,038 
$536,667 
$591,353 
$651,612 
$718,011 
$791,177 
$871,798 
$960,634 
$1,058,523 
$1,166,386 
$1,285,241 
$1,416,207 
$1,560,518 
$1,719,535 
$1,894,756 
$2,087,831 
$2,300,581 
$2,535,010 
$2,793,328 
$3,077,968 
$3,391,613 
$3,737,218 
$4,118,041 
$4,537,669 
$5,000,058






$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 






$14,456 
$30,385 
$47,937 
$67,277 
$88,589 
$112,072 
$137,948 
$166,460 
$197,878 
$232,498 
$270,645 
$312,680 
$358,998 
$410,036 
$466,274 
$528,243 
$596,527 
$671,769 
$754,678 
$846,036 
$946,703 
$1,057,627 
$1,179,856 
$1,314,539 
$1,462,946 
$1,626,476 
$1,806,670 
$2,005,225 
$2,224,013 
$2,465,096 
$2,730,745 
$3,023,464 
$3,346,011 
$3,701,425 
$4,093,056 
$4,524,595 
$5,000,107 
  $91,833   $485,403