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Manulife Private Retirement Scheme (PRS) Series

Core Funds: Manulife PRS NESTEGG Series
Core Funds: Manulife PRS NESTEGG Series
Core Funds: Manulife Shariah PRS NESTEGG Series
Core Funds: Manulife Shariah PRS NESTEGG Series
Non-Core Funds: Manulife PRS NESTEGG Series & Manulife Shariah PRS NESTEGG Series
Non-Core Funds: Manulife PRS NESTEGG Series & Manulife Shariah PRS NESTEGG Series
View fund brochure
View fund brochure

Core Funds: Manulife PRS NESTEGG 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 (Growth)
Investment objective: The Fund aims to facilitate accumulation of retirement savings* by providing capital growth over the long-term.

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

 
Manulife PRS - Growth Fund
Manulife PRS - Moderate Fund
Manulife PRS - Conservative Fund
Fund category
Core (Growth)
Core (Moderate)
Core (Conservative)
Investment objective
The Fund aims to facilitate accumulation of retirement savings* by providing capital growth over the long-term.
The Fund aims to facilitate accumulation of retirement savings* through a combination of income** and capital growth over the long-term.
The Fund aims to provide steady returns whilst preserving* capital.
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.
 
  • 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.
  • 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 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.
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.
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
Below 45 years of age
45 to below 55 years of age
55 years of age and above

*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.

Core Funds: Manulife Shariah PRS NESTEGG 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 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

 
Manulife Shariah PRS-Growth Fund
Manulife Shariah PRS-Moderate Fund
Manulife Shariah PRS-Conservative Fund
Fund category
Core (Growth)
Core (Moderate)
Core (Conservative)
Investment objective
The Fund aims to facilitate accumulation of retirement savings* by providing capital growth over the long-term.
The Fund aims to facilitate accumulation of retirement savings* through a combination of income** and capital growth over the long-term.
The Fund aims to provide steady returns whilst preserving* capital.
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.
  • Maximum 65% 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 35% of the Fund’s NAV will be invested in sukuk, Islamic money market instruments and/or Islamic deposits with financial institutions.
  • 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 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 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.
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
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
Default option: age at time of contribution
Below 45 years of age
45 to below 55 years of age
55 years of age and above

 

*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.

 

Non-Core Funds: Manulife PRS NESTEGG Series & Manulife Shariah PRS NESTEGG Series

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


 
Manulife PRS Asia-Pacific REIT Fund
Manulife Shariah PRS-Global REIT Fund
Manulife Shariah PRS-Golden Asia Fund
Fund category
Feeder Fund (REITS)
 
Feeder Fund (Islamic REITS)
Fund-of-Funds (Islamic)
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.
The Fund aims to provide regular income** and capital appreciation by investing in one Islamic collective investment scheme, which invests mainly in Islamic REITs.
The Fund aims to achieve capital appreciation by investing in a portfolio of Islamic collective investment schemes.
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.
  • 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.
  • 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 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 theaforesaid characteristics.
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.
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 Shariah-compliant investment.
Default option: age at time of contribution
Not applicable
Not applicable
Not applicable

*Please note that this Fund is neither capital guaran teed 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.

 

 

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The above information has not been reviewed by the Securities Commission Malaysia (SC) and is subject to the relevant warning, disclaimer, qualification or terms and conditions stated herein. Investors are advised to read and understand the contents of the Master Prospectus dated 3 January 2023 and its First Supplemental Master Prospectus dated 20 October 2023; Master Prospectus dated 15 May 2023 and its First Supplemental Master Prospectus dated 20 October 2023; Prospectus dated 10 September 2024; Prospectus dated 19 June 2024; Prospectus dated 3 October 2023; Prospectus dated 18 August 2022 and its First Supplemental Prospectus dated 30 December 2022; Disclosure Document dated 14 February 2022 and its First Supplemental Disclosure Document dated 30 August 2023 for Manulife PRS NESTEGG Series; Disclosure Document dated 14 February 2022 and its First Supplemental Disclosure Document dated 30 August 2023 for Manulife Shariah PRS NESTEGG Series; Information Memorandum dated 29 August 2024;  Information Memorandum dated 2 May 2023 and its First Supplemental Information Memorandum dated 2 January 2024; Information Memorandum dated 9 August 2021 and its First Supplemental Information Memorandum dated 10 August 2023 and its Second Supplemental Information Memorandum dated 2 January 2024; Information Memorandum dated 11 February 2020 for Manulife Dragon Growth Fund; Information Memorandum dated 11 February 2020 and its First Supplemental Information Memorandum dated 13 September 2021 and its Second Supplemental Information Memorandum dated 31 January 2022 and its Third Supplemental Information Memorandum dated 21 August 2023 and its Fourth Supplemental Information Memorandum dated 2 January 2024 for Manulife Asian Small Cap Equity Fund; Information Memorandum dated 11 February 2020 and its First Supplemental Information Memorandum dated 31 January 2022 and its Second Supplemental Information Memorandum dated 10 August 2023 and its Third Supplemental Information Memorandum dated 28 February 2024 for Manulife SGD Income Fund; Information Memorandum dated 11 February 2020 and its First Supplemental Information Memorandum dated 10 August 2023 and its Second Supplemental Information Memorandum dated 2 January 2024 for Manulife Global Emerging Markets Multi-Asset Income Fund; Information Memorandum dated 11 February 2020 and its First Supplemental Information Memorandum dated 31 January 2022 and its Second Supplemental Information Memorandum dated 10 August 2023 and its Third Supplemental Information Memorandum dated 2 January 2024 for Manulife ASEAN Equity Fund; Information Memorandum dated 4 September 2019 and its First Supplemental Information Memorandum dated 18 October 2019; Master Information Memorandum dated 26 November 2019 for 2 Funds and Information Memorandum dated 3 February 2020 and its First Supplemental Information Memorandum dated 13 September 2021 and its Second Supplemental Information Memorandum dated 10 August 2023 and its Third Supplemental Information Memorandum dated 2 January 2024 and all the respective Product Highlights Sheet(s) (collectively, the “Offering Documents”), obtainable at our offices or website, before investing. The Offering Documents have been registered with the SC, however the registration with the SC does not amount to nor indicate that the SC has recommended or endorsed the product. There are risks involved with investing in unit trust funds; wholesale funds and/or Private Retirement Schemes. Some of these risks associated with investments in unit trust funds; wholesale funds and/or Private Retirement Schemes are interest rate fluctuation risk, foreign exchange or currency risk, country risk, political risk, credit risk, non-compliance risk, counterparty risk, target fund manager risk, liquidity risk and interest rate risk. For further details on the risk profile of all the funds, please refer to the Risk Factors section in the Offering Documents. The price of units and income distribution may go down as well as up. Investors should compare and consider the fees, charges and costs involved. Investors are advised to conduct own risk assessment and consult the professional advisers if in doubt on the action to be taken. Past performances are not an indication of future performances. Where a unit split/distribution is declared, investors are advised that following the issue of additional units/distribution, the NAV per unit will be reduced from the pre-unit split NAV/cum-distribution NAV to post-unit split NAV/ex-distribution NAV; and where a unit split is declared, the value of your investment in the Fund’s denominated currency will remain unchanged after the distribution of the additional units. You are advised not to solely rely upon the ratings or rankings disclosed herein in making an investment decision. The ratings or rankings disclosed herein are current; the same may change in the future.


The Manager, Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (hereinafter referred to as “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.

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