Manulife Goal 2025 (II) is a short-term Endowment plan that provides guaranteed returns of 1.67% p.a. at the end of 3 years. If you include the non-guaranteed component, you can earn up to 1.83% per annum based on the higher illustrated investment rate of return (IIRR) of 2.18% per annum. The non-guaranteed maturity bonus will be 0.48% of the single premium. Similar to earlier tranches, Manulife Goal 2025 (II) may not offer you the best guaranteed returns in town but one of the advantages of this plan is that it only requires a low minimum single premium of S$5,000 via cash or Supplementary Retirement Scheme (SRS) to get started. As endowment plans are a form of insurance, you are covered for death benefit at 101% of single premium. The application for Manulife Goal 2024 (V) is easy with guaranteed acceptance, and no health check-ups are required. Manulife Goal 2025 (II)...