MANULIFE INVESTMENT MANAGEMENT (M) BERHAD

(formerly known as Manulife Asset Management Services Berhad)

CORPORATE INFORMATION

Manulife Investment Management (M) Berhad (formerly known as Manulife Asset Management Services Berhad) (834424-U) (“Manulife IM (Malaysia)”) is a wholly owned subsidiary of Manulife Holdings Berhad and holds a Capital Markets Services License for fund management, dealing in securities restricted to unit trusts, dealing in private retirement schemes and financial planning under the Capital Markets and Services Act 2007.

Manulife IM (Malaysia) operates under the brand name of Manulife Investment Management which is the global wealth and asset management segment of Manulife Financial Corporation.

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 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 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 fixed income investments portfolio of the Fund would include the following:

  • Malaysian corporate bonds and commercial papers carrying at least BBB3/P2 rating by RAM (or equivalent rating by MARC);
  • Malaysian government securities, treasury bills, Bank Negara Malaysia certificates/bills, Malaysian government investment certificates and cagamas notes/bonds;
  • other obligations issued or guaranteed by the Malaysian government, Bank Negara Malaysia, Malaysian state governments and Malaysian government-related agencies;
  • deposit with Malaysian financial institutions;
  • money market instruments such as negotiable certificates of deposits and bankers’ acceptances issued by Malaysian financial institutions; and
  • CISs which invest in Malaysian fixed income instruments.

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.

Equities and/or equity-related securities would include the following:

  • securities of companies listed on Bursa Malaysia;
  • warrants arising from corporate exercises; and

CISs which invest in Malaysian equities and/or equity-related securities.

Asset Allocation The Provider will at all times invest a minimum of 80% of the Fund’s NAV in the Malaysian fixed income instruments (such as bonds, money market instruments and deposits with financial institutions) of which a minimum of 20% of the Fund’s NAV will be invested in money market instruments; the Provider may also invest a maximum of 20% of the Fund’s NAV in the Malaysian equities and/or equity-related securities.

Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet withdrawal requests.
Performance Benchmark Maybank 12-month fixed deposit rate

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

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; and/or
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristics.

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

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 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 Shariah compliant 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 monetary 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
  • Islamic CISs 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.

Shariah-compliant equities and/or Shariah-compliant equity-related securities would include the following:

  • Shariah-compliant securities of companies listed on Bursa Malaysia;
  • Shariah-compliant warrants arising from corporate exercises; and
  • Islamic CISs which invest in Malaysian Shariah-compliant equities and/or Shariah-compliant equity-related securities.3

The Fund may, for a period of 5 years from 23 July 2018 or until all three (3) core Funds reach RM25 million respectively (whichever is earlier), invest in Shariah-compliant Sukuk CISs managed by the Provider up to 80% of the Fund’s NAV in a single Shariah-compliant Sukuk CIS.

Asset Allocation The 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 with financial institutions of which a minimum of 20% of the Fund’s NAV will be invested in Islamic money market instruments; the Provider may also invest a maximum of 20% of the Fund’s NAV in the Malaysian Shariah-compliant equities and/or Shariah-compliant equity related securities.

Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet withdrawal requests.
Performance Benchmark Maybank 12-month Islamic fixed deposit-i rate

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

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.

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 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 equities and/or equity-related securities which would include the following:

  • 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;
  • derivatives; and
  • CISs which invest 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 the following:

  • corporate bonds and commercial papers carrying at least BBB3/P2 rating by RAM (or equivalent rating by MARC);
  • government bonds, treasury bills and other government approved or guaranteed bonds;
  • deposit with financial institutions;
  • money market instruments such as negotiable certificates of deposits and bankers’ acceptances; and
  • CISs which invest in fixed income instruments.

Further, the Fund may invest up to 30% of the Fund’s NAV in foreign equities of companies which are domiciled in /listed in/ or have significant operations* in the Asia-Pacific markets, which include, but not limited to Australia, China, Hong Kong, India, Indonesia, Japan, New Zealand, the Philippines, Singapore, South Korea, Thailand, Taiwan, and Vietnam.

*Significant operations means the revenue, earnings, production facilities, assets and/or investments of a company are based in/ derived from the Asia Pacific region. The level of significance will be determined by the Fund Manager on a case-by-case basis based on his/ her research and judgement.

Asset Allocation The Provider will at all times invest a minimum of 40% and a maximum of 60% 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 such as bonds, money market instruments and deposits with financial institutions.

Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet withdrawal requests.

Performance Benchmark 50% FTSE Bursa Malaysia KLCI Index + 50% Maybank 12-month fixed deposit rate.

Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance 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 mandatory retirement scheme;
  • are not statutorily obliged to contribute to mandatory retirement scheme; and/or
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristics.

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

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 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 Shariah-compliant 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
  • Islamic CISs which invest in Shariah-compliant equities and/or Shariah-compliant equity-related securities.

That part of the Fund’s NAV not invested in equities and/or Shariah compliant 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
  • Islamic CISs which invest in sukuk and/or Islamic money market instruments.

Further, the Fund may invest up to 30% of the Fund’s NAV in foreign Shariah-compliant equities of companies which are domiciled in /listed in/ or have significant operations* in the Asia-Pacific markets, which include, but not limited to Australia, China, Hong Kong, India, Indonesia, Japan, New Zealand, the Philippines, Singapore, South Korea, Thailand, Taiwan, and Vietnam.

*Significant operations means the revenue, earnings, production facilities, assets and/or investments of a company are based in/ derived from the Asia Pacific region. The level of significance will be determined by the Fund Manager on a case-by-case basis based on his/ her research and judgement.

For the allocation of sukuk, the Fund may, for a period of 5 years from 23 July 2018 or until all three (3) core Funds reach RM25 million respectively (whichever is earlier), invest in Shariah-compliant Sukuk CISs managed by the Provider up to 60% of the Fund’s NAV in a single Shariah-compliant sukuk CIS.

Asset Allocation The Provider will at all times invest a minimum of 40% and a maximum of 60% of the Fund’s NAV in Shariah-compliant equities and/or Shariah compliant 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.

Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet withdrawal requests.

Performance Benchmark 50% FTSE Bursa Malaysia EMAS Shariah Index + 50% Maybank 12-month Islamic fixed deposit-i rate.

Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance 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 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.

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* 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 equities and/or equity-related securities which would include the following:

  • 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;
  • derivatives; and
  • CISs which invest 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 the following:

  • corporate bonds and commercial papers carrying at least BBB3/P2 rating by RAM (or equivalent rating by MARC);
  • government bonds, treasury bills and other government approved or guaranteed bonds;
  • deposit with financial institutions;
  • money market instruments such as negotiable certificates of deposits and bankers’ acceptances; and
  • CISs which invest in fixed income instruments.

Further, the Fund may invest up to 30% of the Fund’s NAV in foreign equities of companies which are domiciled in /listed in/ or have significant operations* in the Asia-Pacific markets, which include, but not limited to Australia, China, Hong Kong, India, Indonesia, Japan, New Zealand, the Philippines, Singapore, South Korea, Thailand, Taiwan, and Vietnam.

*Significant operations means the revenue, earnings, production facilities, assets and/or investments of a company are based in/ derived from the Asia Pacific region. The level of significance will be determined by the Fund Manager on a case-by-case basis based on his/ her research and judgement.

Asset Allocation The Provider will invest 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 such as bonds, money market instruments and deposits with financial institutions.

Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet withdrawal requests.
Performance Benchmark 60% FTSE Bursa Malaysia KLCI Index + 40% Maybank 12-month fixed deposit rate.

Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance 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 mandatory
  • retirement scheme;
  • are not statutorily obliged to contribute to mandatory retirement scheme; and/or
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristics.
*Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

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 Shariah-compliant 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
  • Islamic derivatives; and
  • Islamic CISs which invest in Shariah-compliant equities and/or Shariah-compliant equity-related securities.

That part of the Fund’s NAV not invested in Shariah-compliant equities and/or Shariah-compliant 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
  • Islamic CISs which invest in sukuk and/or Islamic money market instruments.

Further, the Fund may invest up to 30% of the Fund’s NAV in foreign Shariah-compliant equities of companies which are domiciled in /listed in/ or have significant operations* in the Asia-Pacific markets, which include, but not limited to Australia, China, Hong Kong, India, Indonesia, Japan, New Zealand, the Philippines, Singapore, South Korea, Thailand, Taiwan, and Vietnam.

*Significant operations means the revenue, earnings, production facilities, assets and/or investments of a company are based in/ derived from the Asia Pacific region. The level of significance will be determined by the Fund Manager on a case-by-case basis based on his/ her research and judgement.

For the allocation of sukuk, the Fund may, for a period of 5 years from 23 July 2018 or until all three (3) core Funds reach RM25 million respectively (whichever is earlier), invest in Shariah-compliant Sukuk CISs managed by the Provider up to 70% of the Fund’s NAV in a single Shariah-compliant sukuk CIS.

Asset Allocation The Provider will invest a minimum of 30% and a maximum of 70% of the Fund’s NAV in Shariah-compliant equities and/or Shariah-compliant 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.

Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet redemption requests.

Performance Benchmark 60% FTSE Bursa Malaysia EMAS Shariah Index + 40% Maybank 12-month Islamic fixed deposit-i rate

Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance 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 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

Other Self Selection

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 long-term capital appreciation and sustainable income# by investing in one collective investment scheme, which invests mainly in REITs.

#Income declared will be reinvested in the form of additional Units issued to Members.
Fund Category Feeder (REITs)
Investment Strategy

The Fund will invest at least 95% of the Fund’s NAV in the Manulife Investment Asia-Pacificc REIT Fund (“Target Fund”), while the balance will be invested in liquid assets such as money market instruments (including fixed income securities which have remaining maturity period of not more than 365 days) and placement of deposits with financial institutions for liquidity purposes.

The Fund’s portfolio will be closely monitored and rebalanced from time to time to ensure that the Fund’s asset is allocated in accordance with its prescribed asset allocation.

If the Provider is of the opinion that the Target Fund no longer meets the Fund’s objective, the Provider will, in the interest of the Members, seeks the Scheme Trustee’s consultation and subject to the Member’s approval, replace the Target Fund with another collective investment scheme of a similar objective.

Asset Allocation Target Fund At least 95% of the Fund’s NAV will be invested in the Target Fund.
Liquid assets Balance of the Fund’s NAV in liquid assets such as money market instruments (including fixed income securities which have remaining maturity period of not more than 365 days) and placement of deposits with financial institutions for liquidity purposes.

Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet withdrawal requests.
Performance Benchmark Manulife Investment Asia REIT Ex Japan Index, which is also the performance benchmark of the Target Fund. The Manulife Investment Asia REIT Ex Japan Index is a customised index which consists of the REIT funds universe within Asia ex Japan markets, which include China, Hong Kong, India, Indonesia, Malaysia, Pakistan, Philippines, Singapore, South Korea, Taiwan and Thailand. The index is a market capitalisation weighted index of REIT funds with market capitalisation of USD5 million or more.

Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance benchmark.
Member Profile The Fund is suitable for Members who:

  • seek investment exposure mainly through a diversified portfolio of REITs within the Asia-Pacific region;
  • seek a sustainable distribution of Units and long-term capital growth on their contributions;
  • seek an additional retirement savings* scheme other than mandatory retirement scheme;
  • are not statutorily obliged to contribute to mandatory retirement scheme; and/or
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristics.
*Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

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 regular income# and capital appreciation by investing in one Islamic collective investment scheme, which invests mainly in Islamic REITs.

#Income declared will be reinvested in the form of additional Units issued to Members.
Fund Category Feeder (Islamic REITs)
Investment Strategy

The Fund will invest at least 95% of the Fund’s NAV in the Manulife Shariah Global REIT Fund (“Target Fund”), while the balance will be invested in Islamic liquid assets such as Islamic money market instruments and placement of Islamic deposits with financial institutions for liquidity purposes.

The Fund’s portfolio will be closely monitored and rebalanced from time to time to ensure that the Fund’s asset is allocated in accordance with its prescribed asset allocation.

If the Provider is of the opinion that the Target Fund no longer meets the Fund’s objective, the Provider will, in the interest of the Members, seeks the Scheme Trustee’s consultation and subject to the Member’s approval, replace the Target Fund with another Islamic collective investment scheme of a similar objective.

Asset Allocation Target Fund At least 95% of the Fund’s NAV will be invested in the Target Fund.
Liquid assets Balance of the Fund’s NAV in Islamic liquid assets such as Islamic money market instruments and placement of Islamic deposits with financial institutions for liquidity purposes.

Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet withdrawal requests.
Performance Benchmark IdealRatings® Global REITs Islamic Select Malaysia Index, which is also the performance benchmark of the Target Fund.
Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance benchmark. The benchmark information and disclaimer of IdealRatings are available in www.manulifeinvestment.com.my.

Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance benchmark.
Member Profile The Fund is suitable for Members who:

  • seek investment exposure mainly through a diversified portfolio of REITs globally;
  • seek a sustainable distribution of Units and potential capital growth on their contributions over medium to long-term (means the period of three(3) to five (5) years);
  • 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.

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.
Manulife PRS NESTEGG Series Manulife PRS – Conservative Fund Manulife PRS – Moderate Fund Manulife PRS – Growth Fund Manulife PRS – Asia Pacific REIT Fund
Manulife Shariah PRS NESTEGG Series Manulife Shariah PRS – Conservative Fund Manulife Shariah PRS – Moderate Fund Manulife Shariah PRS – Growth Fund Manulife Shariah PRS – Global REIT Fund
Sales charge Class A 0% Not Applicable
Class B
Class C A sales charge of up to 3.00% of NAV per unit will be imposed.
The sales charge is negotiable.
Redemption charge Class A

A redemption charge will be imposed at the following rates:

  • 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.

Not Applicable
Class B
Class C No redemption charge will be imposed on the redemption of Class C units.

The redemption charge will be retained by the Provider. The Provider has the discretion to waive the redemption charge.

Please note that a Redemption Charge is applicable upon any withdrawal from the Scheme (except for upon a Member reaching Retirement Age, permanent departure of a Member from Malaysia or withdrawals due to a Member’s death, permanent total disablement, serious disease or mental disability).

Switching fee (between Funds of the Scheme or between a Fund of the Scheme and any other fund in another PRS operated by the Provider) Class A

Members may switch:

  • between Funds of the Scheme;
  • between a Fund of the Scheme and any other fund in another scheme operated by the Provider; and
  • from Class A or Class B units to Class C units.

However, switching from Class C units to Class A or Class B units is not allowed.

No switching fee will be imposed on the first 12 switching transactions made during a calendar year. For each subsequent switching transaction made during the same calendar year, the Provider will impose the following fee on the member:

  • RM25.00 per switch between Funds of the Scheme or between a Fund of the Scheme and any other fund in another scheme operated by the Provider.
  • 3% of the amount switched out from Class A or Class B units to Class C units.

Class C: Manulife PRS NESTEGG Series and Manulife Shariah PRS NESTEGG Series

For each subsequent switching transaction made within the same class of units between Funds of the Scheme and between a Fund of the Scheme and any other fund in another PRS operated by the Provider during the same calendar year, a switching fee of RM25.00 will be imposed by the Provider on the member.

Class B
Class C
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
  • No transfer fee will be imposed on a request to transfer to another PRS operated by another PRS 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.
Not Applicable
Class B
Class C A transfer fee of RM25.00 will be imposed on a request to transfer to another PRS operated by another PRS provider.
Annual management fee Class A 1.20% per annum of the NAV attributable to this Class of units of the Fund. 1.50% per annum of the NAV attributable to this Class of units of the Fund. 1.80% per annum of the NAV attributable to this Class of units of the Fund. Not Applicable
Class B 1.00% per annum of the NAV attributable to this Class of units of the Fund. 1.25% per annum of the NAV attributable to this Class of units of the Fund. 1.50% per annum of the NAV attributable to this Class of units of the Fund.
Class C

Manulife PRS – Asia Pacific REIT Fund: Up to 1.75%

Manulife Sharia PRS – Global REIT Fund: Up to 1.80%

per annum of the NAV attributable to this Class of units of the Fund.

Annual trustee fee Manulife PRS NESTEGG Series: 0.04% per annum of the NAV of the Fund.
Manulife Shariah PRS NESTEGG Series: 0.025% per annum of the NAV of the Fund.The annual 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.

The PPA administration fee will be charged by the Administrator to the Fund.

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

Market risk, Provider risk, Liquidity risk, Interest rate risk, Inflation risk, Concentration risk, Risk associated with default option (not applicable to Manulife RPS – Asia Pacific Fund and Manulife Shariah PRS – Global REIT Fund).

Specific Risks of the Funds

Manulife PRS NESTEGG Series

Manulife PRS- Conservative Fund Manulife PRS- Moderate Fund Manulife PRS-Growth Fund Manulife PRS – Asia Pacific REIT Fund
Stock Specific Risk checkmark checkmark checkmark checkmark
Credit and Default Risk checkmark checkmark checkmark checkmark
Collective investment schemes Risk checkmark checkmark checkmark checkmark
Country Risk checkmark checkmark checkmark checkmark
Currency Risk checkmark checkmark checkmark checkmark
Risk considerations for investing in Derivatives, Structured Products and Warrants checkmark checkmark checkmark checkmark
Risk associated with investment in REITS checkmark checkmark checkmark checkmark

Manulife Shairah PRS NESTEGG Series

Manulife Shariah PRS- Conservative Fund Manulife Shariah PRS- Moderate Fund Manulife Shariah PRS-Growth Fund Manulife Shariah PRS – Global REIT Fund
Stock/Security specific Risk checkmark checkmark checkmark checkmark
Credit and Default Risk checkmark checkmark checkmark checkmark
Islamic Collective investment schemes Risk checkmark checkmark checkmark checkmark
Country Risk checkmark checkmark checkmark checkmark
Currency Risk checkmark checkmark checkmark checkmark
Risk considerations for investing in Islamic Hedging Derivatives, Islamic Structured Products and Shariah-complaint Warrants checkmark checkmark checkmark checkmark
Reclassification of Shariah status risk checkmark checkmark checkmark checkmark
Risk associated with investment in REITS checkmark checkmark checkmark checkmark
Taxation Risk checkmark 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 Investment Management (M) Berhad
(formerly known as Manulife Asset Management Services Berhad)

13th Floor, Menara Manulife
6, Jalan Gelenggang
Damansara Heights
50490 Kuala Lumpur
General Line: 603 2719 9271
Call : 1300 13 2323
Fax: 603 2093 7377
Email : PRSinfo_MY@manulife.com

VKA Wealth Planners Sdn. Bhd.

Harveston Wealth Management Sdn. Bhd. (previously known as GV Wealth Planners Sdn. Bhd.)

Whitman Independent Advisors Sdn. Bhd.

Fin Freedom Sdn. Bhd.

Financial Adviser Sdn. Bhd. (previously known as Standard Financial Planner Sdn. Bhd.)

iFAST Capital Sdn. Bhd.