Manulife

Important:
- Manulife Investment Solutions is an Investment-linked insurance contract, issued by Manulife (International) Limited (“MIL”). Your investment in this product is subject to the credit risks of MIL.
- You are not investing in the Investment-linked Fund(s) as set out in the Principal Brochure. You do not have any rights or ownership over these Investment-linked Funds including their underlying assets and investments.
- Your return on investment is calculated with reference to the performance of the investment-linked Fund(s). Each Investment-linked Fund has its own investment objective and associated risks.
- Any early withdrawal or surrender of the insurance plan may result in substantial losses.
- You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
- You should not solely rely on this material to make any decision to participate in an investment-linked insurance plan.

Do you know what initiatives of Manulife Investment Solutions that help suit your investment needs today?

1) Lifestyle Portfolios - Revamp Asset Mix of to be Asia-centric

Lifestyle Portfolios invest in a mix between equities and bonds with four choices for your selection currently.

In August, we revamped Lifestyle Portfolios to be Asia-centric and added in investment in emerging markets to capture the investment opportunities, as these regions have attracted the spotlight since the financial tsunami. With other investments in the portfolios such as developed countries like the U.S., and sectors like resources, the investment risks are more diversified.

We understand that not all investment managers are good in all markets at all times, thus we have introduced the multi-manager approach to consolidate the expertise of various investment managers within one single portfolio, such that their various investment styles and philosophies may complement one another.

For more details, contact your Manulife Advisor or call our Customer Service Hotline on 2108 1110.

2) Auto-Switch Option - A Gradual and Moderate Way to Invest

If you are concerned about when to re-inter into the investment market or if you want to change your investment choices but not sure when to do this? Auto-Switch Option is a useful service for you!

Auto-Switch Option is a flexible service that you can switch from any investment-linked funds in Manulife Investment Solutions to any other designated investment-linked funds in the same platform at a fixed amount at regular intervals. Just tick in the application form and we will follow your instruction to regularly switch your subscription to your designated investment-linked funds according to your selected intervals.

In this way, you can move your investment to funds of your choice over time under “Dollar-Cost-Averaging* ” approach. It helps you re-enter investment market by regularly switching to other investment-linked funds to get your money working or you can adjust investment choices according to your needs and life stages in a gradual and moderate way.

For more details of the service, contact your Manulife Advisor or call our Customer Service Hotline on 2108 1110.

Investment involves risk. Past performance is not indicative of future performance.

*Dollar cost averaging cannot help you avoid investment loss. The dollar cost averaging effect works better in more volatile situation in comparison with less volatile situation. The effect may be diluted in less volatile situation. You may suffer investment loss if the situation consistently drops. The payoff will be dampened if the valuation point is on the low side. Also, you may forgo the opportunity to achieve a higher investment return if the situation consistently rises. Frequent investment switching may defeat the purpose of regular investments and you could miss the opportunities on the low side.