Manulife Private Retirement Scheme (PRS) Series

Fund category: Core (Growth)
Investment objective: The Fund aims to facilitate accumulation of retirement savings* by providing capital growth over the long-term.
Asset allocation:

• Maximum 95% of the Fund’s NAV will be invested in equities, equity-related securities and/or REITs (via collective investment schemes); and
• At least 5% of the Fund’s NAV will be invested in fixed income instruments such as bonds, money market instruments and deposits with financial institutions.

Member’s 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.

Default option: age at time of contribution: Below 45 years of age

Fund category: Core (Moderate)
Investment objective: The Fund aims to facilitate accumulation of retirement savings* through a combination of income** and capital growth over the long-term.
Asset allocation:

• Maximum 65% of the Fund’s NAV will be invested in equities, equity-related securities and/or REITs (via collective investment schemes); and
• At least 35% of the Fund’s NAV will be invested in fixed income instruments such as bonds, money market instruments and deposits with financial institutions.

Member’s 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.

Default option: age at time of contribution: 45 to below 55 years of age

Fund category: Core (Conservative)
Investment objective: The Fund aims to provide steady returns whilst preserving* capital.
Asset allocation:

• Maximum 35% of the Fund’s NAV will be invested in equities, equity-related securities and/or REITs (via collective investment schemes); and
• At least 65% of the Fund’s NAV will be invested in fixed income instruments such as bonds, money market instruments and deposits with financial institutions.

Member’s 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.

Default option: age at time of contribution: 55 years of age and above

Fund category: Core (Growth)
Investment objective: The Fund aims to facilitate accumulation of retirement savings* by providing capital growth over the long-term.
Asset allocation:

• Maximum 95% of the Fund’s NAV will be invested in Shariah-compliant equities, Shariah-compliant equity-related securities and/or Islamic REITs (via Islamic collective investment schemes); and
• At least 5% of the Fund’s NAV will be invested in sukuk, Islamic money market instruments and/or Islamic deposits with financial institutions.

Member’s 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.

Default option: age at time of contribution: Below 45 years of age

Fund category: Core (Moderate)
Investment objective: The Fund aims to facilitate accumulation of retirement savings* through a combination of income** and capital growth over the long-term.
Asset allocation:

• Maximum 65% of the Fund’s NAV will be invested in Shariah-compliant equities, Shariah-compliant equityrelated securities and/or Islamic REITs (via Islamic collective investment schemes); and
• At least 35% of the Fund’s NAV will be invested in sukuk, Islamic money market instruments and/or Islamic deposits with financial institutions.

Member’s 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 Shariahcompliant investment.

Default option: age at time of contribution: 45 to below 55 years of age

Fund category: Core (Conservative)
Investment objective: The Fund aims to provide steady returns whilst preserving* capital.
Asset allocation:

• Maximum 35% of the Fund’s NAV will be invested in Shariahcompliant equities, Shariahcompliant equity-related securities and/or Islamic REITs (via Islamic collective investment schemes); and
• At least 65% of the Fund’s NAV will be invested in sukuk, Islamic money market instruments and/or Islamic deposits with financial institutions.

Member’s 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 Shariahcompliant investment.

Default option: age at time of contribution: 55 years of age and above

Fund category: Feeder Fund (REITs)
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.

Asset allocation:

• At least 95% of the Fund’s NAV will be invested in the Target Fund; and
• Balance of the Fund’s NAV 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.

Member’s 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 longterm 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.

Default option: age at time of contribution: Not applicable

Fund category: Feeder Fund (Islamic REITs)
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

Asset allocation:

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

Member’s 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 Shariahcompliant investment.

Default option: age at time of contribution: Not applicable

Fund category: Fund-of-Funds (Islamic)
Investment objective: The Fund aims to achieve capital appreciation by investing in a portfolio of Islamic collective investment schemes.

Asset allocation:

• Minimum 95% of the Fund’s NAV will be invested in a portfolio of Islamic collective investment schemes; and
• The remaining NAV of the Fund will be invested in Islamic liquid assets such as cash, Islamic money market instruments, general investment accounts and/or Islamic deposits with financial institutions for liquidity purposes.

Member’s profile:
The Fund is suitable for Members who:

• seek capital appreciation with investment focus in China and India market;
• have a long-term investment horizon;
• 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 Shariahcompliant investment.

Default option: age at time of contribution: Not applicable