Investments

Manulife Funds (including the Trust Pools) and Manulife Corporate Classes (including the Class Pools) are managed by Manulife Investment Management Limited (formerly named Manulife Asset Management Limited).  Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts as well as the prospectus before investing.  The indicated rates of return are the historical annual compounded total returns including changes in share/unit value and reinvestment of all dividends/distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns.  Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Manulife, Manulife Investment Management, the Stylized M Design, and Manulife Investment Management & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

GIF Select InvestmentPlus®

GIF Select InvestmentPlus helps investors accumulate wealth by giving access to a broad range of competitively priced investment funds. It also provides access to estate planning advantages, potential creditor protection, and death benefit and maturity guarantees.

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Manulife Private Investment Pools – MPIP Segregated Pools

These pools are a wealth-building solution for investors with an investment of at least $100,000 per pool, per contract.³ MPIP Segregated Pools offers access to a comprehensive suite of segregated pools and portfolios in a range of asset classes. This exclusive program features competitive fees and tiered management fee reimbursements, along with all the built-in features of segregated fund contracts.

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Manulife PensionBuilder®

Manulife PensionBuilder is a straightforward, low-risk,⁴ secure income solution designed to provide dependable retirement income that’s guaranteed for life.

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Manulife RetirementPlus®

Manulife RetirementPlus is an innovative, flexible, savings and income product that can support the key phases of preparing for retirement—from building wealth to drawing retirement income.

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Manulife Segregated Fund Registered Education Savings Plan (RESP)

The Manulife Segregated Fund RESP is designed to help investors prepare for their children’s future post-secondary education needs.

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Manulife Ideal Signature Select™

Manulife Ideal Signature Select offers choices in guarantees and in funds, as well as value-added features, such as the payout benefit guarantee on registered retirement income plans.

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Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Returns shown are after the MER has been deducted. Performance histories are not indicative of future performance. For information on guarantees, fees and expenses that may apply to segregated funds, please read the Information Folder, Contract and Fund Facts of the segregated funds. The Manufacturers Life Insurance Company is the issuer of Manulife segregated fund contracts and the guarantor of any guarantee provisions therein. 

Manulife ETFs are managed by Manulife Investment Management Limited (formerly named Manulife Asset Management Limited). Commissions, management fees and expenses all may be associated with exchange traded funds (ETFs). The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns.  Investment objectives, risks, fees, expenses and other important information are contained in the ETF facts as well as the prospectus, please read before investing.  ETFs are not guaranteed, their values change frequently and past performance may not be repeated.

Manulife, Manulife Investment Management, the Stylized M Design, and Manulife Investment Management & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Asset allocation portfolios - mutual funds

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service.  Please read the fund facts as well as the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing.  The indicated rates of return are the historical annual compounded total returns assuming the investment strategy recommended by the asset allocation service is used and after deduction of the fees and charges in respect of the service. The returns are based on the historical annual compounded total returns of the participating funds including changes in share/unit value and reinvestment of all dividends/distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder in respect of a participating fund that would have reduced returns.  Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Asset allocation portfolios - segregated funds

Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Returns shown are after the MER has been deducted. Performance histories are not indicative of future performance. For information on guarantees, fees and expenses that may apply to segregated funds, please read the Information Folder, Contract and Fund Facts of the segregated funds. The Manufacturers Life Insurance Company is the issuer of Manulife segregated fund contracts and the guarantor of any guarantee provisions therein. 

Separately managed accounts

Manulife Investment Management has demonstrated expertise in sub-advising SMA portfolios for our financial partners and their clients since 2001. We believe that a three way partnership between investment manager, financial advisor and the investor, creates a solution that allows financial advisors to build portfolios that can be tailored to unique individual needs. SMA investors benefit from specialized investment teams and an institutional approach to investment management that utilizes disciplined and well defined investment strategies. Backed by a global financial services leader, Manulife Financial - clients are provided with stability, a robust risk management framework and an international network of resources.

At a glance

Separately Managed Accounts (SMA) provide advisors with a customized and sophisticated approach to investing that is ideally suited to the high-net-worth market.

Highlights:

  • Direct ownership of individual securities
  • Typical minimum: $100,000
  • Flexibility to transfer in/out individual securities
  • Institutional-quality investment management
  • Portfolio customization
  • Unique tax planning advantages

Benefits of separately managed accounts

For the Advisor

Enhanced Service Model    

  • Puts day-to-day management of client's portfolio in hands of a dedicated portfolio manager
  • Advisor has more time to devote to enhancing focus on client relationships

Steadier Income   

  • Fees typically calculated as a percentage of assets under management 
  • Advisor income rises in line with the growth of the book of SMA business

Business Growth   

  • Strong demand from a growing demographic  

For the Investor

Dedicated Expertise  

  • Brings same best-in-class money management enjoyed by institutional investors to the high-net-worth investor
  • Each account directly managed by a dedicated investment team

Flexibility  

  • Portfolios can be customized according to client investment objectives

Unique tax planning advantages   

  • Can request portfolio manager to take loss/gain
  • Securities can be transferred into SMA account
  • Tax-deductible fee on non-registered accounts  

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts as well as the prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in share value and reinvestment of all dividends and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. The rate of return shown is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the investment fund or returns on investment in the investment fund. 

Private investment pools - segregated pools

Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Returns shown are after the MER has been deducted. Performance histories are not indicative of future performance. For information on guarantees, fees and expenses that may apply to segregated funds, please read the Information Folder, Contract and Fund Facts of the segregated funds. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 

Manulife Investments Guaranteed Interest Contracts (GICs)

With a Manulife Investments Guaranteed Interest Contract (GIC), investors benefit from competitive rates, unique rate guarantee programs, and numerous income payment choices. Choices include GIC investment options that can diversify and add flexibility to a portfolio.

Manulife Investments basic GIC accounts

Manulife Investments basic GIC accounts are simple investments that can bring an important element of securityto a financial plan because there’s no exposure to the market. The basic GIC account offers two investment options: cashable, which provides the flexibility to cash in if the need arises,and noncashable, which offers a high rate as compared with the standard term in the cashable account.

Manulife Investments GIC specialty account types

Specialty account types are GICs that can diversify and add flexibility to a portfolio. Specialty account types from Manulife Investment Management offer 30-day rate guarantees. There are two investment options available: a laddered GIC account and an escalating rate GIC account.

Manulife Investments GIC retirement income options

Retired investors will enjoy additional income benefits with a Manulife Investments GIC RRIF.

Manulife Investments GICs deliver additional benefits that are only available from insurance companies.

Tax Advantages for nonregistered GICs

Investors can defer taxes on the interest for up to one year. For those 65 or older, interest income will qualify for the pension income-tax credit and for pension income-splitting purposes.

Potential creditor protection

The full amount of registered and nonregistered investments may be protected against creditors under certain circumstances.

Deposit protection

These investments are backed by the strength of Manulife. In addition, Manulife is a member of Assuris; please visit assuris.ca for details.

Estate planning

Investors can name beneficiaries, meaning that in the event of death, the entire investment can pass quickly and privately² to heirs without probate,³ legal, and estate administration fees.

1 Surrender charges may apply if withdrawals are made prior to the maturity date.  Withdrawals may be subject to legislative or contractual restrictions. 2 Privacy benefit is not applicable in Saskatchewan. 3 Probate is not applicable in Quebec. Fees vary by province.

Manulife Goals-Based Investing

Retirement planning is unique to each investor, and budgeting for future income can raise a lot of questions. We believe that a personalized planning approach for a specific goal can help.

Why Manulife Investment Management goals-based investing?

For many Canadians planning for retirement, there's uncertainty in having enough money to live comfortably through their senior years and in how fluctuations in the economy will affect investments when approaching retirement and later. 

With the help of a Manulife Securities advisor, the Manulife Goals-Based Investing (GBI) tool can provide guidance to meet personalized retirement income needs in a way that's never been done before.

Manulife Goals-Based Investing program overview

What is Manulife GBI?

Manulife GBI is a mutual fund program exclusively available through Manulife Securities advisors. This program is offered through an online digital tool, which allows you to create a customizable plan to help meet individual must-have income needs.

The pension-style, institutional investment strategy behind the GBI program is designed to match future must-have income needs with a payment of income and has the potential to grow the future income stream over time. Manulife GBI funds are managed by Manulife Investment Management’s quantitative management team, which has over 20 years of experience managing these investment strategies for pension funds.  

Manulife GBI is the first program to bring this experience to individual retail investors.

How to invest

It all starts with meeting your Manulife Securities advisor.

1 Create a customized goal using Manulife Investment Management’s digital GBI tool

2 Produce a client proposal through the GBI tool

3 Purchase Manulife GBI mutual funds and set up contributions

Comprehensive benefits

  • Exclusive access to an institutional investment strategy
  • Flexibility to change goals and the plan at any time
  • Investment strategy aims to provide protection against market and interest-rate risk
  • Complete decumulation solution for must-have income needs

The GBI tool is for educational and illustrative purposes only. Projected expenses and income illustrated by the GBI tool are estimates and not guaranteed and should not be construed as a contractual undertaking.  Projected income levels (cash flows) are based on investments in mutual fund securities and assume there will be cash flows through redemptions. If your redemptions exceed your GBI goal suggested payout percentages, you will eventually deplete your original investment and you will no longer receive income. You and your advisor are responsible for considering what meets your investment needs and for determining your appropriate investment strategy based on your finances and other circumstances.

Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. Please read the fund facts as well as the prospectus before investing. Mutual funds are not guaranteed and their values change frequently. Past performance does not guarantee future results. The Goals-Based Investing program is managed by Manulife Investment Management Limited (formerly named Manulife Asset Management Limited). Manulife Investment Management is a trade name of Manulife Investment Management Limited. Manulife, Manulife Investment Management, the Stylized M Design, and Manulife Investment Management & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates, under license.

Segregated funds - GIF Select InvestmentPlus®

Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Returns shown are after the MER has been deducted. Performance histories are not indicative of future performance. For information on guarantees, fees and expenses that may apply to segregated funds, please read the Information Folder, Contract and Fund Facts of the segregated funds. The Manufacturers Life Insurance Company is the issuer of Manulife segregated fund contracts and the guarantor of any guarantee provisions therein. 

Closed-end funds