5 Best Manulife Investment Plans [2023] | Dollar Bureau


Manulife Investment Plans 

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manulife investment linked policies

Table of Contents

Investment can be a risky endeavour. Manulife offers 4 types of investment-linked policies – ManuInvest Duo, Manulink Investor, Manulink Enrich, and Manulife InvestReady Wealth (II).

ManuInvest Duo

ManuInvest Duo

ManuInvest Duo is an investment-linked plan that offers up to 407% illustrated returns on premiums paid.

There are 3 minimum investment periods (MIP) offered – 10, 15, or 20 years. For each minimum investment period, the minimum premiums are

  • S$3,600 per annum
  • S$2,400 per annum
  • S$1,800 per annum respectively


You get a spectacular Welcome Bonus when you opt for higher insurance coverage and a longer MIP. The plan also makes sure your investments are profitable by providing you with the choice of various reliable funds.

The Manuinvest Duo gives you a yearly Loyalty Bonus after the 7th policy year. The bonus increases to up to 0.8% after you successfully reach the end of the MIP.

If you invest in dividend-paying funds, you’ll get a regular stream of income depending on the rate and frequency of the chosen fund.

In terms of protection, you get to choose your coverage amount of up to 100x of your first year premium for death, terminal illness, and permanent and total disability.

You get to make withdrawals at low transaction rates (S$50) from year 6 onwards of up to 20% of your total basic premiums and top-up premiums from the previous policy year.

Other features include a premium holiday of 24, 36, or 48 months, and optional riders for critical illness and early critical illness coverage.

Charges wise, there are 4 types of charges – Surrender Charge, Monthly Insurance Charge, Monthly Admin Charge, and Top Up Charges. All these charges depend on the MIP you chose and how the plan is customised for you.


  • Choose between a minimum investment period of 10, 15, or 20 years
  • Minimum investment of S$3 600, S$2 400, or S$1 800 per annum respectively
  • Welcome and loyalty bonuses available
  • Ability to receive dividend income
  • Partial withdrawals available
  • Insurance coverage for death, terminal illness, and total and permanent disability
  • Optional riders for critical illness and early critical illness
  • Option for a premium holiday for up to 48 months


Source: https://www.manulife.com.sg/en/solutions/invest/investment-linked-plans/manuinvestduo.html

Manulink Investor

Manulink Investor

The Manulink Investor is an impressive single premium investment-linked plan offered by Manulife.

100% of your insured sum is used to buy multiple professionally managed fund(s) at offer price – meaning that you don’t pay for insurance coverage and policy fees.

With the minimum single investment of S$5,000, the Manulink Investor gives you access to a wide range of funds where you get the unlimited option to switch funds for free. Ad-hoc top-ups are available at minimally S$500 each.

You also have various payment options where you could either pay in cash, SRS, or your CPF Ordinary Account (CPF-OA).

If you decide to use your SRS, you may opt for single recurring premiums where you can make annual, biannual, or monthly investments. The minimum investments are S$2 000, S$1 000, and S$500 respectively.

The plan also provides coverage for death, terminal illness, and total and permanent disability with no medical underwriting needed.


  • Single premium investment of S$5,000 minimum
  • Ability to pay using cash, SRS, or CPF-OA
  • If you opt for the SRS policy, there are 3 options of your single recurring premiums
  • Top-ups available at a minimum of S$500 each
  • 100% of your investments are used to invest in funds
  • Coverage for death, terminal illness, and total and permanent disability


Source: https://www.manulife.com.sg/en/solutions/invest/investment-linked-plans/manulink-investor.html


InvestReady Wealth II

Manulife InvestReady Wealth (II)

If you’re looking for a diverse range of funds to invest in, InvestReady Wealth is an investment-linked plan offering over 100 funds for you to choose from.

It comes with 6 minimum investment periods for you to choose from, and the minimum investment for each are as follows:

Minimum Investment Period (MIP)

Minimum Investment

3 years (Renewable)

S$1,000 monthly

5 years (Renewable)

S$1,000 monthly

10 years

S$300 monthly or US$3,600 yearly

3 years – Flexi (Renewable)

S$20,000 or US$20,000 yearly

10 years – Flexi

S$500 or US$6,000 yearly

20 years – Flexi

S$200 monthly

The Flexi options available gives you the ability to vary your regular basic investments after a specific policy year.

The InvestReady Wealth (II) also offers you to make a minimum top-up of S$2,500 and make minimum withdrawals depending on your MIP.

Notable features include a Welcome Bonus in the first year of the plan in the form of additional fund units. You also get a Loyalty Bonus if you complete your Minimum Investment Period (MIP).

100% of your insured sum will be used to purchase multiple, professionally managed fund units. You can also switch funds for free.

If you invest in dividend-paying funds, you will receive a steady income depending on the rate and frequency of the funds chosen.

In terms of medical coverage, you are covered against death and terminal illness, with the option to add on riders for critical illness waiver coverage, cancer waiver coverage, or payor benefit.

There are 4 types of charges – Surrender Charge, Monthly Admin Charge, Monthly Supplementary Charge, and Fund Management Charges. All these charges depend on the MIP you chose and how the plan is customised for you.


  • Minimum investment of S$200 monthly
  • Access to over 100 funds
  • Option to vary investment amounts
  • 100% of your investments will be used to invest in funds
  • Ability to make top-ups and withdrawals
  • Covered against death and terminal illness
  • Optional riders available


Read our review here: Manulife InvestReady Wealth II Review


Manulink Enrich

Manulink Enrich: Obsolete

The Manulink Enrich is another investment-linked plan by Manulife offering a minimum investment of only S$100 monthly. The plan also provides the option for you to top up your investments or make withdrawals when needed.

100% of your insured sum will be used to invest in funds at the offer price, where you could switch funds for free. The Manulink Enrich also offers free fund units of up to 102% from the 4th year, and 105% from the 7th year.

In terms of insurance coverage, there are 3 plan options for you to choose from. In the most basic plan, you are covered against death, terminal illness, and total and permanent disability.

You also can upgrade to the other options in the future based on different life milestones. Of course, there are optional riders involved if you choose to opt for more coverage. Specific terms and conditions will apply.


  • Minimum investment of S$100 monthly
  • No minimum investment period, premiums are payable as long as the policy is in force
  • Top up investments or withdrawals available
  • 100% of your investments will be used to invest in funds
  • Receive free fund units from your 4th year onwards
  • Coverage for death, terminal illness, and total and permanent disability
  • 3 insurance coverage plans to choose from



Yes, Manulife offers a wide range of investment plans for you to choose from. The mentioned products are summaries of each plan, and there are terms and conditions applied for each of their features.

Although some of the plans look highly attractive, not every plan is suited for you, and not every plan is as attractive as it seems. Thus, it is always advisable for you to conduct your thorough research before deciding to purchase any financial plans for yourself.

Need somewhere to start?

Check out our best investment plans in Singapore guide.

If you’re still unsure of what you should be getting for yourself, always engage a trusted financial advisor. This makes sure that your different needs and wants are taken into consideration and plans are recommended based on your unique scenario.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

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