Manulife PRS NESTEGG Series

Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Manulife Shariah PRS – Conservative Fund

*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 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 nor capital protected; therefore, a Member’s capital is neither guaranteed nor protected.
Fund Category Core (Conservative)
Investment
Strategy		 The Fund invests in a diversified portfolio of Shariah-compliant equities, Shariah-compliant equity-related securities, Islamic REITs (via Islamic CIS), sukuk, Islamic money market instruments and/or Islamic deposits with financial institutions. To achieve the investment objective of the Fund, the Fund may invest a maximum of 35% of its NAV in Shariah-compliant equities, Shariah-compliant equity-related securities and/or Islamic REITs (via Islamic CIS). The Fund will invest at least 65% of the Fund’s NAV in sukuk, Islamic money market instruments and/or Islamic deposits with financial institutions. The sukuk and/or Islamic money market instruments which the Fund invests in must be rated at least BBB3/P2 by RAM (or equivalent rating by MARC). Further, the Fund may also invest up to 5% of the Fund’s NAV in sukuk and/or Islamic money market instruments which are rated below BBB3/P2 and/or are unrated.

The Fund may invest in these investments directly or via Islamic CIS. The Fund may invest up to 100% of the Fund’s NAV in Shariah-compliant foreign investments in the global markets where the regulatory authority is an ordinary or associate member of the IOSCO.
Asset
Allocation		 Fixed Income Instruments and / or money market instruments At least 65% of the Fund’s NAV will be invested in sukuk, Islamic money market instruments and/or Islamic deposits with financial institutions.
Equities Maximum 35% of the Fund’s NAV will be invested in Shariah-compliant equities, Shariah-compliant equity-related securities and/or Islamic REITs (via Islamic CIS).
Performance
Benchmark		 Median return of all Shariah-compliant PRS core funds – conservative funds established in Malaysia.
Note: The performance benchmark above is only used as a reference for investment performance comparison purpose. The risk profile of the Fund is not the same as the risk profile of the performance benchmark. The performance benchmark information is available at www.manulifeinvestment.com.my.
Member
Profile		 The 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 mandatory retirement scheme;
  • are not statutorily obliged to contribute to mandatory retirement scheme;
  • 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.
*Please note that this Fund is neither capital guaranteed nor capital protected; therefore, a Member’s capital is neither guaranteed nor protected.
Risks
Disclosure		 Stock-specific Risk, Country Risk, Currency Risk, Fund Manager Risk, Interest Rate Risk, Credit and Default Risk, Collective investment schemes Risk, Risk considerations for investing in Derivatives, Structured Products and Warrants
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