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More Malaysians are redefining what it means to leave a legacy.

Increasingly, independence itself is becoming the goal: having the freedom to make choices, support loved ones, and enjoy retirement with greater confidence. Achieving that independence requires a plan. By combining potential income opportunities with long-term growth and diversification, investors can take meaningful steps towards building a more resilient retirement portfolio.

Instead of focusing only on income, investors can benefit from an income solutions that helps diversify their portfolio, capture new growth trends driven by fast-growing innovation and technology, and seek outcomes that support long-term financial longevity.
 

Financial independence begins with planning ahead

Retirement planning is not only about building a lump sum. It is also about considering how your savings and investments may support your needs over time.

  • Prepare for changing needs: Consider how your expenses and priorities may evolve before and during retirement.
  • Look beyond savings alone: Explore how investments may complement your existing savings, subject to goals and risk rolerance.
  • Stay focused on the long term: Review your plan regularly and adjust it as your circumstances change.
     

Most Malaysians know they need a retirement plan, but very few have a structured strategy to turn financial independence into a lasting reality.

What role can income investments play?

There is no single investment approach for every investor. Our featured funds provide access to different asset classes, markets and investment strategies.

Income investments seek to provide distributions from the assets held by a fund. Depending on the fund, these assets may include equities, fixed income instruments, preferred securities or a combination of asset classes. Income solutions may be considered for different financial objectives, including supplementing existing income, diversifying a portfolio or supporting longer-term retirement planning.

  • Potential income
    Certain funds seek to make distributions, subject to fund performance and the relevant distribution policy.
  • Diversification
    Investing across different assets, sectors or markets may help reduce reliance on a single source of investment return. Diversification does not eliminate investment risk.
  • Long-term opportunity
    Some income strategies also seek capital appreciation, allowing investors to consider both potential income and longer-term objectives.

Ready to act on what you have explored?

 Take the next step with our digital investing platform and expert insights to help you invest with greater ease and confidence.
 

Shariah-compliant income and capital growth potential

Manulife Investment Al-Fauzan is an Islamic equity fund that aims to provide unit holders with steady income generation potential focusing on high-dividend-yielding stocks and  invests in potential dividend yielders - companies experiencing growth and are poised to become lucrative dividend-yielding stocks as their earnings and cash flow strengthen. This strategy provides the best of both worlds for investors seeking growth and income opportunities.

Who may consider this fund?

  • Prefers investments that comply with Shariah requirements
  • Seek potential recurring income
  • Have a medium to long-term investment horizon

Learn more

Access a specialised source of potential income

Manulife Preferred Securities Income Fund aims to provide income and potential capital appreciation by invesing in one collective investment scheme with an investment focus on preferred securities. The fund is suitable for investors seeking exposure to preferred securities globally and have a long-term investment horizon. 

Who may consider this fund?

  • Want exposure to preferred securities globally
  • Have a long-term investment horizon
     

Learn more

Seek potential income from a diversified global approach

Manulife Global Multi-Asset Diversified Income Fund aims to provide income by investing in one collective investment scheme. The fund seeks income from a range of traditional and non-traditional sources across asset classes and regions. 

Who may consider this fund?

  • Diversified exposure across global markets
  • Multi-asset investment approach
  • Seeks potential income from different sources
  • Intended for a medium to long-term investment horizon
     

Learn more

Build your plan with practical resources

Explore tools and content designed to make retirement and investing easier to understand.

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Explore how attitudes towards independence, retirement and legacy are changing

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Get insightful and timely market updates, macro analysis, and more view from Manulife's investment experts.

Investment insights

Get insightful and timely market updates, macro analysis, and more view from Manulife's investment experts.

Frequently Asked Questions (FAQs)

An income fund is an investment fund that seeks to generate income from assets held in its portfolio. The types of assets, investment strategy, risks and distribution policy vary by fund.

No. Distributions are subject to the relevant fund or share class distribution policy and the Manager’s discretion. The amount and frequency may change. A fund may also make no distribution.

Not necessarily. A positive distribution or distribution yield does not automatically mean that the investment generated a positive total return.

The fund’s unit price may fall, and distributions may be paid from capital depending on the relevant fund and share class. Investors should consider both distributions and changes in unit value.

Yes. Investment involves risk, including possible loss of principal. The fund’s value and income distributions may go down as well as up.

No. Unit trust funds are investment products and are not bank deposits. Their returns and capital are not guaranteed.

Not necessarily. Income solutions may be considered by investors at different life stages, depending on their objectives, risk tolerance and investment horizon. Investors should assess the suitability of a fund as part of their overall financial plan.

The fees, charges, risks and other important product information are available in the latest prospectus, supplemental prospectus, Product Highlights Sheet and other applicable Offering Documents for each fund. You can find out more at our fund prices and performances page here: https://www.manulifeim.com.my/funds/fund-prices.html/list

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