By preparing today, you can enjoy living what you love when you retire.

Retire Smart is a regular-pay, variable-unit-linked insurance product that helps you to strategically build your future funds over the long-term, enabling you to pursue your passions during retirement. This is uniquely invested in AXA's newest Retire Smart Target Date Funds which are expertly-managed to build your retirement reserves over time.


Please note that the foregoing is not a deposit product. Earnings are not assured and principal amount invested is exposed to risk of loss. This product cannot be sold to you unless its benefits and risks have been thoroughly explained. If you do not fully understand this product, do not purchase or invest in it.

  • Offered primarily to middle to upper class clients ages 21 to 55 years old
  • A retirement fund builder solution
  • Retire Smart Funds are target-dated and designed to maximize potential growth in the early years and conserve fund value as it nears maturity
  • Life Insurance Coverage
  • Riders can be added to protect you against health concerns and other uncertainties (exempli gratia Waiver of Premium Rider)
  • It is a variable unit linked solution. Returns are based on market performance and not guarantee
  • Allows you to take advantage of unique fund strategy that grows funds towards a specified retirement date; this feature is exclusively available in Retire Smart plan

  • Allows you to purchase more units as it has no bid-offer spread; this means more premiums can be directly invested into the chosen fund

  • Allows you to maximize investment growth in the early years and conserve capital in the latter years

  • Upon reaching the target date, a significant portion remains invested in growth-oriented assets, enabling your fund to potentially grow and fight against inflation

  • Allows you to enhance your plan with riders to ensure your fund for retirement will continue to be built regardless of uncertainties

A completely filled-out Financial Product Referral Form (FPRF) forwarded to AXA’s Financial Specialist.

For more information:


PSBank Near You

Queue Anywhere

Get Queue No.

PSBank Online

Log in

Bills Payment

Learn More