MANULIFE ASSET MANAGEMENT SERVICES BERHAD

CORPORATE INFORMATION

Manulife Asset Management Services Berhad (MAMSB) was incorporated in 2008 as a wholly owned subsidiary of Manulife Holdings Berhad in Malaysia. MAMSB operates under the brand name of Manulife Asset Management (Manulife AM), the asset management division of Manulife Financial and holds a Capital Markets Services License for fund management, dealing in securities restricted to unit trusts and dealing in private retirement schemes (PRS).

With its affiliation with Manulife AM, MAMSB is able to leverage on the collective research and expertise of Manulife AM which spans across Europe, America and Asia Pacific – giving our investors access to a skilful, knowledge-driven and highly credible team of investment professionals.

For detail information on the PRS, please refer to the PRS Provider’s Disclosure Document & Product Highlights Sheet here

SCHEME AND FUND INFORMATION

Default & Self Selection

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective The Fund aims to provide steady returns whilst preserving* capital.

*Please note that this Fund is neither capital guaranteed fund nor capital protected fund.

Fund Category Core (Conservative)
Investment Strategy To achieve the objective of the Fund, the Provider will at all times invest a minimum of 80% of the Fund’s NAV in Malaysian fixed income instruments (of which a minimum of 20% will be invested in money market instruments) and a maximum of 20% of the Fund’s NAV in Malaysian equities and/or equity-related securities.The Fund may also invest up to 5% of the Fund’s NAV at any time in fixed income instruments which are rated below BBB3/P2 by RAM (or equivalent rating by MARC) and/or are unrated.As part of the investment strategy, the equity asset allocation between 0% and 20% of the Fund’s NAV aims at enhancing the Fund’s returns during economy up-cycle and to protect the downside on equities during uncertain periods (for example, during the 2008/2009 Global Financial Crisis). The Fund may go up to 100% fixed income instruments and/or money market instruments depending on market conditions.
Asset Allocation A minimum of 80% of the Fund’s NAV in Malaysian fixed income instruments (such as bonds, money market instruments and deposits) of which a minimum of 20% of the Fund’s NAV will be invested in money market instruments.
A maximum of 20% of the Fund’s NAV may be invested in Malaysian equities and/or equity-related securities.
Performance Benchmark Maybank 12-month fixed deposit rate.

Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • have low risk appetite;
  • have low risk appetite;
  • seek an additional retirement scheme other than EPF;
  • are not statutorily obliged to contribute to EPF; and/or
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristic.

You should be aware that if you did not indicate your selection of Funds, your contributions will be automatically allocated to Manulife PRS – Conservative Fund if you are above 50 years old at the time of contribution.

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective The Fund aims to provide steady returns whilst preserving* capital.

* Please note that this Fund is neither capital guaranteed fund nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Fund Category Core (Conservative)
Investment Strategy To achieve the objective of the Fund, the Provider will at all times invest a minimum of 80% of the Fund’s NAV in Malaysian sukuk and Islamic money market instruments of which a minimum of 20% will be invested in Islamic money market instruments and a maximum of 20% of the Fund’s NAV in Malaysian Shariah-compliant equities and/or equity-related securities.The sukuk portfolio of the Fund would include the following:

  • Malaysian sukuk and Islamic commercial papers carrying at least A3/P2 rating by RAM (or equivalent rating by MARC);
  • Malaysian government Shariah-compliant securities, Islamic treasury bills, Bank Negara Malaysia notes-i, Malaysian government Islamic negotiable instruments and Cagamas sukuk;
  • Other obligations issued or guaranteed by the Malaysian government, Bank Negara Malaysia, Malaysian state governments and Malaysian government-related agencies;
  • Islamic deposit with Malaysian financial institutions;
  • Islamic money market instruments such as Islamic negotiable instruments and Islamic accepted bills issued by Malaysian financial institutions; and
  • Shariah-compliant collective investment schemes which invest in Malaysian sukuk and/or Islamic money market instruments.

The Fund may also invest up to 5% of the Fund’s NAV at any time in sukuk and/or Islamic money market instruments which are rated below A3/P2 by RAM (or equivalent rating by MARC) and/or are unrated. In the event the 5% limit is exceeded whether as a result of a downgrade of any of the sukuk and/or Islamic money market instruments to below A3/P2, an increase in the aggregate value of sukuk and/or Islamic money market instruments which are rated below A3/P2 and/or are unrated, or a decrease in the NAV of the Fund, the Provider will reduce the investments of the Fund to comply with the 5% limit unless, in the opinion of the Scheme Trustee, the disposal of such investments is not in the interest of the Members holding Units of the Fund.

As part of the investment strategy, Shariah-compliant equity asset allocation between 0% and 20% of the Fund’s NAV aims at enhancing the Fund’s returns during economy up-cycle and to protect the downside on equities during uncertain periods (for example, during the 2008/2009 Global Financial Crisis). The Fund may go up to 100% sukuk and/or Islamic money market instruments depending on market conditions.

Asset Allocation The PRS Provider will at all times invest a minimum of 80% of the Fund’s NAV in the Malaysian sukuk, Islamic money market instruments and Islamic deposits of which a minimum of 20% of the Fund’s NAV will be invested in Islamic money market instruments; the Provider may also invest up to a maximum of 20% of the Fund’s NAV in the Malaysian Shariah-compliant equities and/or equity-related securities.
Performance Benchmark Maybank 12-month Islamic Fixed Deposit rate

Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile This Fund is suitable for Members who:

  • have a low risk appetite;
  • seek regular distribution of Units from their contributions;
  • seek an additional retirement savings* scheme other than EPF;
  • are not statutorily obliged to contribute to EPF;
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristic; and/or
  • Seek to invest in a Shariah-compliant investment.

Your should be aware that if you did not indicate your selection of Funds, your contributions will be automatically allocated to Manulife Shariah PRS – Conservative Fund if you are 50 years old and above at the time of contribution.

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective The Fund aims to facilitate accumulation of retirement savings* through a combination of income# and capital growth over the long term.

*Please note that this Fund is neither capital guaranteed fund nor capital protected fund.# Income declared will be reinvested in the form of additional Units issued to Members.

Fund Category Core (Moderate)
Investment Strategy To achieve the objective of the Fund, the Provider will at all times invest a minimum of 40% up to a maximum of 60% of the Fund’s NAV in equities and/or equity-related securities.That part of the Fund’s NAV not invested in equities and/or equity-related securities will be invested in fixed income instruments.Further, the Fund may invest up to 30% of the Fund’s NAV at any time in foreign markets which include but not limited to Asia Pacific region whenever opportunities arise. The Asia Pacific region would include but are not limited to Australia, Hong Kong, Indonesia, Philippines, Korea, India, Singapore and Thailand.As the objective of the Fund is to provide a combination of income# and capital growth, the Provider seeks to adopt a balanced approach by investing at an equal portion of the Fund’s NAV in fixed income instruments and equities and/or equity-related securities. When opportunities arise, this equal apportionment will be varied slightly (i.e. between 40% to 60%) to better benefit the Members of the Fund. With this strategy, Members are able to benefit from the income# which the Fund aims to provide from its investments in fixed income instruments as well as capital growth from its investments in equities and/or equity-related securities.

# Income declared will be reinvested in the form of additional Units issued to Members.

Asset Allocation A minimum of 40% and a maximum of 60% of the Fund’s NAV into equities and/or equity-related securities.
The remainder of the Fund’s NAV will be invested in fixed income instruments including but not limited to money market instruments and deposits with financial institutions.
Performance Benchmark 50% FBM KLCI Index + 50% 12-month Maybank fixed deposit rate.

Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile The Fund is suitable for Members who:

  • have a moderate risk appetite;
  • seek capital appreciation on and distribution of Units from their contributions;
  • seek an additional retirement scheme other than EPF;
  • are not statutorily obliged to contribute to EPF; and/or
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristics.

You should be aware that if you did not indicate your selection of Funds, your contributions will be automatically allocated to Manulife PRS – Moderate Fund if you are within 40 years to below 50 years old at the time of contribution.

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective The Fund aims to facilitate accumulation of retirement savings* through a combination of income# and capital growth over the long term.

* Please note that this Fund is neither capital guaranteed fund nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.
# Income declared will be reinvested in the form of additional Units issued to Members.

Fund Category Core (Moderate)
Investment Strategy To achieve the objective of the Fund, the Provider will at all times invest a minimum of 40% up to a maximum of 60% of the Fund’s NAV in Shariah-compliant equities and/or equity-related securities which would include the following:

  • Shariah-compliant securities of companies listed on Bursa Malaysia and/or any other exchanges of countries regulated by an authority which is a member of the IOSCO;
  • Islamic derivatives; and
  • Shariah-compliant collective investment schemes which invest in Shariah-compliant equities and/or other equity-related securities.

That part of the Fund’s NAV not invested in Shariah-compliant equities and/or equity-related securities will be invested in the following:

  • sukuk and Islamic commercial papers carrying at least A3/P2rating by RAM (or equivalent rating by MARC);
  • government sukuk, Islamic treasury bills and other government approved or guaranteed sukuk;
  • Islamic deposit with financial institutions;
  • Islamic money market instruments such as Islamic negotiable instruments and Islamic accepted bills; and
  • Shariah-compliant collective investment schemes which invest in sukuk and/or Islamic money market instruments.

Further, the Fund may invest up to 30% of the Fund’s NAV at any time in foreign markets such as the Asia Pacific region whenever opportunities arise. The Asia Pacific region would include but are not limited to Australia, Hong Kong, Indonesia, Philippines, Korea, India, Singapore, Taiwan and Thailand. As the Fund will be investing in foreign markets, the Provider intends to enter into Islamic derivative trades solely for hedging purposes to reduce the Fund’s exposure to foreign exchange fluctuations; the Islamic derivative trades would not be considered as investments of the Fund but rather a risk-management device.

As the objective of the Fund is to provide a combination of income# and capital growth, the Provider seeks to adopt a balanced approach by investing at an equal portion of the Fund’s NAV in sukuk and/or Islamic money market instruments and Shariah-compliant equities and/or equity-related securities. When opportunities arise, this equal apportionment will be varied slightly (i.e. between 40% and 60%) to better benefit the Members of the Fund. With this strategy, Members are able to benefit from the income# which the Fund aims to provide from its investments in sukuk and/or Islamic money market instruments as well as capital growth from its investments in Shariah-compliant equities and/or equity-related securities.

Asset Allocation The Provider will at all times invest a minimum of 40% and a maximum of 60% of the Fund’s NAV into Shariah-compliant equities and/or equity-related securities; the remainder of the Fund’s NAV will be invested in sukuk, Islamic money market instruments and Islamic deposits with financial institutions.
Performance Benchmark 50% FTSE Bursa Malaysia EMAS Shariah Index + 50% 12-month Maybank Islamic Fixed Deposit rate.

Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile The Fund is suitable for Members who:

  • have a moderate risk appetite;
  • seek capital appreciation on and distribution of Units from their contributions;
  • seek an additional retirement savings scheme other than EPF;
  • are not statutorily obliged to contribute to EPF;
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristics; and/or
  • seek to invest in a shariah-compliant investment.

You should be aware that if you did not indicate your selection of Funds, your contributions will be automatically allocated to Manulife Shariah PRS – Moderate Fund if you are 40 years old to below 50 years old at the time of contribution.

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective Aims to facilitate accumulation of retirement savings* by providing capital growth over the long term.

*Please note that this is neither a capital guaranteed fund nor a capital protected fund.

Fund Category Core (Growth)
Investment Strategy To achieve the objective of the Fund, the Provider will at all times invest a minimum of 30% up to a maximum of 70% of the Fund’s NAV in equities and/or equity-related securities.That part of the Fund’s NAV not invested in equities and/or equity-related securities will be invested in fixed income instruments.Further, the Fund may invest up to 30% of the Fund’s NAV at any time in foreign markets which include but not limited to Asia Pacific region whenever opportunities arise. The Asia Pacific region would include but are not limited to Australia, Hong Kong, Indonesia, Philippines, Korea, India, Singapore and Thailand.As part of the investment strategy, the Provider will take an opportunistic approach and formulate its asset allocation strategy to ride on the economic cycle. For example, when the economy bottoms-out from a recession, the Provider will search for a clearer evidence of sustainable economic recovery before overweighting on its equity asset allocation versus fixed income instruments. Likewise, when the economy has peaked and is heading towards a slow growth period, the Provider will then decide to underweight its equity asset allocation versus fixed income instruments.
Asset Allocation A minimum of 30% and a maximum of 70% of the Fund’s NAV in equities and/or equity-related securities.
The remainder of the Fund’s NAV will be invested in fixed income instruments including but not limited to money market instruments and deposits with financial institutions.
Performance Benchmark 60% FBM KLCI Index and 40% Maybank 12-month fixed deposit rate.

Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile The Fund is suitable for Members who:

  • have moderate to high risk appetite;
  • seek capital appreciation of their contributions;
  • seek an additional retirement scheme other than EPF;
  • are not statutorily obliged to contribute to EPF; and/or
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristics.

You should be aware that if you did not indicate your selection of Funds, your contributions will be automatically allocated to Manulife PRS – Growth Fund if you are below 40 years old at the time of contribution.

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective The Fund aims to facilitate accumulation of retirement savings* by providing capital growth over the long term.

* Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Fund Category Core (Growth)
Investment Strategy To achieve the objective of the Fund, the Provider will at all times invest a minimum of 30% up to a maximum of 70% of the Fund’s NAV in Shariah-compliant equities and/or equity- related securities which would include the following:

  • Shariah-compliant securities of companies listed on Bursa Malaysia and/or any other exchanges of countries regulated by
  • an authority which is a member of the IOSCO;
  • Islamic derivatives; and
  • Shariah-compliant collective investment schemes which invest in Shariah-compliant equities and/or other equity-related securities.

That part of the Fund’s NAV not invested in Shariah-compliant equities and/or equity-related securities will be invested in the following:

  • sukuk and Islamic commercial papers carrying at least A3/P2 rating by RAM (or equivalent rating by MARC);
  • government sukuk, Islamic treasury bills and other government approved or guaranteed sukuk;
  • Islamic deposit with financial institutions;
  • Islamic money market instruments such as Islamic negotiable instruments and Islamic accepted bills; and
  • Shariah-compliant collective investment schemes which invest in sukuk and/or Islamic money market instruments

Further, the Fund may invest up to 30% of the Fund’s NAV at any time in foreign markets such as the Asia Pacific region whenever opportunities arise. The Asia Pacific region would include but are not limited to Australia, Hong Kong, Indonesia, Philippines, Korea, India, Singapore, Taiwan and Thailand. As the Fund will be investing in foreign markets, the Provider intends to enter into Islamic derivative trades solely for hedging purposes to reduce the Fund’s exposure to foreign exchange fluctuations; the Islamic derivative trades would
not be considered as investments of the Fund but rather a risk- management device.

As part of the investment strategy, The Provider will take an opportunistic approach and formulate its asset allocation strategy to ride on the economic cycle. For example, when the economy bottoms-out from a recession, the Provider will search for a clearer evidence of sustainable economic recovery before overweighting on its Shariah-compliant equity asset allocation versus sukuk. Likewise, when the economy has peaked and is heading towards a slow growth period, the Provider will then decide to underweight its Shariah-compliant equity asset allocation versus sukuk.

Asset Allocation The Provider will at all times invest a minimum of 30% and a maximum of 70% of the Fund’s NAV into Shariah-compliant equities and/or equity-related securities; the remainder of the Fund’s NAV will be invested in sukuk, Islamic money market instruments and Islamic deposits with financial institutions.
Performance Benchmark 60% FTSE Bursa Malaysia EMAS Shariah Index + 40% 12-month Maybank Islamic Fixed Deposit rate.

Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.

Member Profile The Fund is suitable for Members who:

  • have a moderate to high risk appetite;
  • seek capital appreciation on their contributions;
  • seek an additional retirement savings scheme other than EPF;
  • are not statutorily obliged to contribute to EPF;
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristics; and/or
  • seek to invest in a shariah-compliant investment.

Your should be aware that if you did not indicate your selection of Funds, your contributions will be automatically allocated to Manulife Shariah PRS – Growth Fund if you are below 40 years old at the time of contribution.

CONTRIBUTIONS & WITHDRAWALS

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

For all Funds
Minimum Investment Initial and subsequent investment: RM100 or such other amount as the Provider may decide from time to time.
Minimum Withdrawal 200 Units or such other amount as the PRS Provider may decide from time to time.

FEES & CHARGES

There are fees and charges involved and you are advised to consider them before contributing to the scheme.
For all Funds
Sales charge (*) Class A and Class B Units:
Up to 2.00% ** of NAV per Unit will be imposed on walk-in contributors.
If contributions are made through our authorized institutional PRS advisers and PRS consultants, the Sales Charge will be waived.Class C Units:
Up to 3.00%** of NAV per Unit will be imposed.**The Sales Charge is negotiable.
Redemption charge (*) Class A and Class B Units:

  • 3.00% of NAV per Unit for withdrawal in the 2nd year after the first contribution to the Scheme;
  • 2.00% of NAV per Unit for withdrawal in the 3rd year after the first contribution to the Scheme;
  • 1.00% of NAV per Unit for withdrawal in the 4th year after the first contribution to the Scheme; and
  • No Redemption Charge will be imposed from the 5th year after the first contribution to the Scheme.

Class C Units:
No Redemption Charge will be imposed on the redemption of Class C Units.

The Redemption Charge will be retained by the Provider.

Please note that a Redemption Charge is applicable upon any withdrawal from the Scheme (except for upon a Member reaching Retirement Age, a Member passing away and a Member permanently departing from Malaysia) or upon any transfer to another private retirement scheme operated by another private retirement scheme provider.

Switching fee (between funds in this Scheme) (*)


Switching fee (between funds in another PRS managed by Manulife Asset Management Services Berhad)

Class A and Class B Units:
No switching fee will be imposed on the first 12 switching transactions made during a calendar year between the Funds of the Scheme or between a Fund of the Scheme and any other fund in another private retirement scheme operated by the Provider.For each subsequent switching transaction made within the same class of Units during the same calendar year, a switching fee of RM25.00** will be imposed by the Provider on the Member.For each subsequent switching transaction made from Class A or Class B Units to Class C Units during the same calendar year, a switching fee of 3.00%** of the amount switched out will be imposed by the Provider on the Member.Class C Units:
No switching fee will be imposed on the first 12 switching transactions made during a calendar year: (1) between the Funds of the Scheme within the same class of Units; or (2) between a Fund of the Scheme and any other fund in another private retirement scheme operated by the Provider within the same class of Units.For each subsequent switching transaction made within the same class of Units during the same calendar year, a switching fee of RM25.00** will be imposed by the Provider on the Member.** The rate and amount disclosed is exclusive of any goods and services tax.The Provider may at its discretion, waive the switching fee based on the terms and conditions as may be determined from time to time.
Transfer fee (to another PRS provider) (*) Class A and Class B Units:
No transfer fee will be imposed on a request to transfer to another private retirement scheme operated by another private retirement scheme provider.However, a Redemption Charge will be imposed on a Member which rate will depend on the number of years the Member has contributed to the Scheme.Class C Units:
A transfer fee of RM25.00** will be imposed on a request to transfer to another private retirement scheme operated by another private retirement scheme provider.** The amount disclosed is exclusive of any goods and services tax.
Annual management fee (*) Class A: 2.25% per annum of the NAV attributable to this Class of units of the Fund. Class B: 1.50% per annum of the NAV attributable to this Class of Units of the Fund.
Class C: Up to 1.50% per annum of the NAV attributable to this Class of Units of the Fund.
Annual scheme trustee fee (*)Manulife PRS NESTEGG Series0.04% per annum of the NAV of the Fund
Manulife Shariah PRS NESTEGG Series 0.025% per annum of the NAV of the Fund
Note: The trustee fee does not include any foreign sub-custodian fees and charges (if any).
Annual PPA administration fee (*) 0.04% per annum of the NAV of the Fund
(*) Effective 1 April 2015, Goods and Services Tax (GST) will be applicable to the fees stipulated above.

RISKS DISCLOSURE

You are advised to read the scheme’s disclosure document and understand the risks involved and, if necessary, consult your professional adviser before making contributions.

General Investment Risks

Capital and returns not guaranteed, Market risk, Provider risk, Liquidity risk, Interest rate risk, Inflation risk, Non-compliance risk, Concentration risk, Risk associated with default option and Legal and regulatory risk.

Specific Risks of the Funds

Manulife PRS NESTEGG Series

Manulife PRS- Conservative Fund Manulife PRS- Moderate Fund Manulife PRS-Growth Fund
Company Specific Risk checkmark checkmark checkmark
Credit/Default Risk checkmark checkmark checkmark
Collective investment schemes risk checkmark checkmark checkmark
Country Risk checkmark checkmark checkmark
Currency Risk checkmark checkmark checkmark
Derivative Risk checkmark checkmark checkmark

Manulife Shairah PRS NESTEGG Series

Manulife Shairah PRS- Conservative Fund Manulife Shariah PRS- Moderate Fund Manulife Shariah PRS-Growth Fund
Company Specific Risk checkmark checkmark checkmark
Credit/Default Risk checkmark checkmark checkmark
Collective investment schemes risk checkmark checkmark checkmark
Country Risk checkmark checkmark checkmark
Currency Risk checkmark checkmark checkmark
Derivative Risk checkmark checkmark checkmark
Reclassification of Shariah status risk checkmark checkmark checkmark

OTHERS

The Fund Investment Performance information is provided by Morningstar. Click here to access the Morningstar webpage.

For more information about Morningstar, go to About Morningstar.

Manulife PRS – Retirement Solutions Consultants
Manulife Asset Management Services Berhad
13th Floor, Menara Manulife
6, Jalan Gelenggang
Damansara Heights
50490 Kuala Lumpur
General Line: 603 2719 9228
Call : 1300 13 2323
Fax: 603 2902 1025
Email : PRSinfo_MY@manulife.com


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