Build your future wealth with flexibility: How to be ready for retirement and life’s milestones 

It’s the year 2055, and your friends and family are throwing a retirement party for you.

You’ve looked forward to this day for years, even decades, though you’ve truly enjoyed your job, built up your career, mentored the next generation of movers and shakers, and left a legacy in your industry. But now, you’re ready and excited for the next milestone in your life, also possibly one of your most significant.

Finally, you get to taste the fruits of your labour. You can pursue your lifelong dream of opening a cafe, take a scenic train ride around Europe or simply enjoy the freedom that comes with financial security. The world is truly your oyster after all, one that you’ve prepared well for days to come, rainy or not.

Your kids are financially independent and moving up in the corporate world, after your best efforts to give them a head start in life with the best education possible. And the best part of it all? You are debt free.

You feel fulfilled and assured – a priceless headspace to be in, only simply because you started growing your wealth, future-proofing your family’s future and shoring up for your retirement way before you actually needed to.

Grow your wealth at any stage of life

If this sounds like your dream retirement, the key to turning this vision into reality starts now. While building your savings, make sure that your money is working hard for you to turn your retirement goals into reality.

According to the HSBC Affluent Investor Snapshot 2025, the average savings needed for a comfortable and secure retirement in Singapore this year is S$1.8 million¹. The amount may seem large, but with the

average life expectancy of Singaporean residents at 83.5 years in 2024 and on an upward trend

, the reality is we are living longer, and need to start the groundwork as early as possible to sustain the lifestyle we desire.

But even among the affluent investors polled in the survey, not all are on track to meeting their long-term financial goals. Only 64 per cent of them were confident of achieving them. If you are now asking yourself whether you are amongst one of them, you should first start by taking proactive steps, to help move closer to a future of financial security free from worries.

Life may throw you a curveball, a health scare, maybe an unsound business decision or a slowdown in your industry. This is why it’s important to have a financial solution that isn’t fixed in place, but one that adapts as life unfolds. From building wealth in your early years to generating income during retirement, your needs will change over time.

This is where investment-linked plans (ILP) can be useful.

HSBC Life Goal Builder II

is an ILP that combines protection and investment in a single solution, one that is designed to adapt as your needs, income and goals change throughout different life stages.

This solution kick-starts wealth accumulation with bonuses², including a

welcome bonus of up to 55 per cent

of your first year’s premiums, and rewards you in subsequent years with loyalty bonuses at the end of premium year 10.

You can also enhance your portfolio with top-ups when market conditions are favourable or when you receive bonuses at work to accelerate your wealth building journey.

As you meet new milestones and your needs evolve, you might want to reallocate where your money is invested.

HSBC Life Goal Builder II

lets you choose from almost 80 different ILP sub-funds, and you can enjoy unlimited fund switching without paying extra fees.

When you retire, you can optimise your wealth with a steady stream of income through ILP sub-funds that pay dividends or by setting up regular withdrawals that support your dream retirement lifestyle.

While building wealth, it’s also important to protect yourself and your family.

HSBC Life Goal Builder II

includes lifelong protection, including complimentary lifetime death and terminal illness coverage, with the option to add riders to enhance protection, so that you can build a financial safety net for yourself and your loved ones in case the unexpected happens.

In the event of accidental death before the age of 75, your loved ones can receive twice the coverage. Take comfort knowing that even in your absence, your family will have the financial support to pursue their goals, such as university education.

Life doesn’t stand still, and neither should your financial plan. With the flexibility to support you through different life stages, the

HSBC Life Goal Builder II plan isn’t just designed for where you are today, it’s built for where you’re headed next

.

To find out more about

HSBC Life Goal Builder II

, speak to any HSBC Bank’s relationship manager or visit

grp.hsbc/goalbuilder

.

Disclaimers:

¹Figure of S$1.8 million is derived from converting US$1.39 million from the HSBC Affluent Investor Snapshot 2025, using conversion rate of 1.29 as of Aug 26, 2025.

²Subject to terms and conditions.

Terms and conditions apply. This advertisement has not been reviewed by the Monetary Authority of Singapore.