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Pros and Cons of Vivocash – Review

Vivocash is a regular premium whole life endowment plan that allows you to save and grow your money up to 100 years old while contributing for only a limited number of years. There are four options for limited premium terms at 5, 10, 15 and 20 years.

Here is how this plan works. You commit to saving a certain amount regularly, say for 15 years. After that, you do not need to make any further contributions, but your money continues to grow in the plan. At the end of the 5th year, a yearly cashback will be payable. This cashback consists of a guaranteed and non-guaranteed portion. You can choose to receive the annual income or to reinvest in the plan at the prevailing rate and withdraw only when needed. The cashback continues until age 100, and there are special cash benefits payable at the end of the 20th and 30th year and upon maturity.

NTUC Vivocash

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Vivocash is also commonly used as an inter-generational tool to provide a stream of income and to transfer wealth to the next generation(s).

Pros of Vivocash

  • Prevailing reinvestment rate is one of the highest in the market
  • Retrenchment cash benefit available
  • Accidental death and accidental TPD benefit where you receive up to an additional 100% of sum assured
  • No medical underwriting needed and able to accumulate money until age 100

Cons of Vivocash

  • Cashbacks are level and do not increase over time
  • Reinvestment rate is not guaranteed
  • Yearly cash backs are only partially guaranteed, and the guaranteed portion is lower than some of the comparable plans in the market

To find out if Vivocash is suitable for your needs

To learn how Vivocash compares with other plans in the market

To understand how you can best utilise Vivocash to grow and manage your wealth

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Before you commit to a Vivocash plan, be sure to read one of our most read article on “8 Things to consider when you buy an endowment (savings) plan”


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