Retire Smart is a regular-pay, variable unit linked insurance product that helps clients to strategically build future funds over the long-term and enable them to pursue their passions during retirement. It is uniquely invested in AXA's newest Retire Smart Target Date Funds which are expertly-managed to build 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 guaranteed.
  • Target Date Fund is available in Retire Smart product, thereby allowing clients to take advantage of unique fund strategy that grows funds towards a specified retirement date.

  • No bid-offer spread therefore allowing clients to purchase more units. Meaning, more premiums can be directly invested into the chosen fund.

  • Maximize investment growth in the early years and conserve capital in the latter years.

  • Upon reaching the target date, there is still a significant portion invested in growth-oriented assets to enable fund to potentially grow and fight against inflation.

  • May be enhanced with riders to ensure the client's 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.

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