MANULIFE INVESTMENT MANAGEMENT (M) BERHAD

CORPORATE INFORMATION

Manulife Investment Management (M) Berhad (834424-U) (“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.

For detail information on the PRS, please refer to the PRS Provider’s Disclosure Document & Product Highlights Sheet here

SCHEME AND FUND INFORMATION

Default & Self Selection

Aged 55 years & above

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Manulife PRS – Conservative Fund

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective	The Fund aims to provide steady returns whilst preserving* capital. *Please note that this Fund is neither capital guaranteed nor capital protected; therefore, a Member’s capital is neither guaranteed nor protected.
Fund Category	Core (Conservative)
Investment Strategy	To achieve the objective of the Fund, the Provider will at all times invest a minimum of 80% of the Fund’s NAV in Malaysian fixed income instruments (of which a minimum of 20% will be invested in money market instruments) and a maximum of 20% of the Fund’s NAV in Malaysian equities and/or equity-related securities. Fixed income instruments would include the following: Malaysian corporate bonds and commercial papers carrying at least BBB3/ P2 rating by RAM (or equivalent rating by MARC); Malaysian government securities, treasury bills, Bank Negara Malaysia (“BNM”) certificates/ bills, Malaysian government investment certificates and cagamas notes/ bonds; other obligations issued or guaranteed by the Malaysian government, BNM, Malaysian state governments and Malaysian government-related agencies; deposits with Malaysian financial institutions; money market instruments such as negotiable certificates of deposits and bankers’ acceptances issued by Malaysian financial institutions; and CISs which invest in Malaysian fixed income instruments. The Fund may also invest up to 5% of its NAV at any time in fixed income instruments which are rated below BBB3/ P2 by RAM (or equivalent rating by MARC) and/or are unrated. Equities and/or equity-related securities would include the following: securities of companies listed on Bursa Malaysia; warrants arising from corporate exercises; and CISs which invest in Malaysian equities and/or equity-related securities.
Asset Allocation	Fixed Income Instruments and / or money market instruments	Minimum 80% of the Fund’s NAV in Malaysian fixed income instruments (such as bonds, money market instruments and deposits with financial institutions) of which at least 20% of the Fund’s NAV will be invested in money market instruments
	Equities	Maximum 20% of the Fund’s NAV in Malaysian equities and/or equity-related securities
	Note: The Provider will ensure that there is sufficient liquidity for the Funds to meet redemption requests.
Performance Benchmark	Maybank 12-month fixed deposit rate Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.
Member Profile	The Fund is suitable for Members who: seek an additional retirement savings* scheme other than a mandatory retirement scheme; are not statutorily obliged to contribute to a mandatory retirement scheme; and/or are employers who wish to contribute on behalf of their employees having the characteristics: members who have a low risk appetite and seek regular distribution of units from their contributions. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Manulife Shariah PRS – Conservative Fund

Investment Objective	The Fund aims to provide steady returns whilst preserving* capital. *Please note that this Fund is neither capital guaranteed nor capital protected; therefore, a Member’s capital is neither guaranteed nor protected.
Fund Category	Core (Conservative)
Investment Strategy	To achieve the objective of the Fund, the Provider will at all times invest a minimum of 80% of the Fund’s NAV in Malaysian sukuk and Islamic money market instruments (of which a minimum of 20% will be invested in Islamic money market instruments) and a maximum of 20% of the Fund’s NAV in Malaysian Shariah-compliant equities and/or Shariah-compliant equity-related securities. The sukuk portfolio of the Fund would include the following: Malaysian sukuk and Islamic commercial papers carrying at least A3/ P2 rating by RAM (or equivalent rating by MARC); Malaysian government Shariah-compliant securities, Islamic treasury bills, Bank Negara Malaysia monetary notes-i, Malaysian government Islamic negotiable instruments and cagamas, sukuk; other obligations issued or guaranteed by the Malaysian government, Bank Negara Malaysia, Malaysian state governments and Malaysian government-related agencies; Islamic deposit with Malaysian financial institutions; Islamic money market instruments such as Islamic negotiable instruments and Islamic accepted bills issued by Malaysian financial institutions; and Islamic CISs which invest in Malaysian sukuk and/or Islamic money market instruments. The Fund may also invest up to 5% of the Fund’s NAV at any time in sukuk and/or Islamic money market instruments which are rated below A3/P2 by RAM (or equivalent rating by MARC) and/or are unrated. Shariah-compliant equities and/or Shariah-compliant equity-related securities would include the following: Shariah-compliant securities of companies listed on Bursa Malaysia; Shariah-compliant warrants arising from corporate exercises; and Islamic CISs which invest in Malaysian Shariah-compliant equities and/or Shariah-compliant equity-related securities. The Fund may, for a period of 5 years from 23 July 2018 or until all three (3) core Funds reach RM25 million respectively (whichever is earlier), invest in Shariah-compliant Sukuk CISs managed by the Provider up to 80% of the Fund’s NAV in a single Shariah-compliant Sukuk CIS.
Asset Allocation	Fixed Income Instruments and / or money market instruments	Minimum 80% of the Fund’s NAV in Malaysian sukuk, Islamic money market instruments and Islamic deposits with financial institutions of which a minimum of 20% of the Fund’s NAV will be invested in Islamic money market instruments.
	Equities	Maximum 20% of the Fund’s NAV in Malaysia Shariah-compliant equities and/or Shariah-compliant equity-related securities
	Note: The Provider will ensure that there is sufficient liquidity for the Funds to meet redemption requests.
Performance Benchmark	Maybank 12-month Islamic fixed deposit-i rate Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance benchmark.
Member Profile	The Fund is suitable for Members who: seek an additional retirement savings* scheme other than a mandatory retirement scheme; are not statutorily obliged to contribute to a mandatory retirement scheme; seek to invest in a Shariah-compliant investment; and/or are employers who wish to contribute on behalf of their employees having the characteristics: members who have a low risk appetite and seek regular distribution of units from their contributions. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Aged 45 years and below 55 years

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Manulife PRS – Moderate Fund

Investment Objective	The Fund aims to facilitate accumulation of retirement savings* through a combination of income# and capital growth over the long-term. *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.
Fund Category	Core (Moderate)
Investment Strategy	To achieve the objective of the Fund, the Provider will at all times invest a minimum of 40% up to a maximum of 60% of the Fund’s NAV in equities and/or equity-related securities which would include the following: securities of companies listed on Bursa Malaysia and/or any other exchanges of countries regulated by an authority which is a member of the IOSCO; derivatives; and CISs which invest in equities and/or equity-related securities. That part of the Fund’s NAV not invested in equities and/or equity-related securities will be invested in fixed income instruments which would include the following: corporate bonds and commercial papers carrying at least BBB3/ P2 rating by RAM (or equivalent rating by MARC); government bonds, treasury bills and other government approved or guaranteed bonds; deposits with financial institutions; money market instruments such as negotiable certificates of deposits and bankers’ acceptances; and CISs which invest in fixed income instruments. Further, the Fund may invest up to 30% of the Fund’s NAV in foreign equities of companies which are domiciled in /listed in/ or have significant operations* in the Asia-Pacific markets, which include, but not limited to Australia, China, Hong Kong, India, Indonesia, Japan, New Zealand, the Philippines, Singapore, South Korea, Thailand, Taiwan, and Vietnam. *Significant operations means the revenue, earnings, production facilities, assets and/or investments of a company are based in/ derived from the Asia Pacific region. The level of significance will be determined by the Fund Manager on a case-by-case basis based on his/ her research and judgement.
Asset Allocation	Equities	40% to 60% of the Fund’s NAV in equities and/or equity-related securities; and
	Fixed Income Instruments and / or money market instruments	The remainder in fixed income instruments such as bonds, money market instruments and deposits with financial institutions.
	Note: The Provider will ensure that there is sufficient liquidity for the Funds to meet redemption requests.
Performance Benchmark	50% FTSE Bursa Malaysia KLCI Index + 50% Maybank 12-month fixed deposit rate. Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance benchmark.
Member Profile	The Fund is suitable for Members who: seek an additional retirement savings* scheme other than a mandatory retirement scheme; are not statutorily obliged to contribute to a mandatory retirement scheme; and/or are employers who wish to contribute on behalf of their employees having the characteristics: members who have a moderate risk appetite, seek capital appreciation on, and distribution of units from their contributions. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Manulife Shariah PRS – Moderate Fund

Investment Objective	The Fund aims to facilitate accumulation of retirement savings* through a combination of income# and capital growth over the long-term. *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.
Fund Category	Core (Moderate)
Investment Strategy	To achieve the objective of the Fund, the Provider will at all times invest a minimum of 40% up to a maximum of 60% of the Fund’s NAV in Shariah compliant equities and/or Shariah-compliant equity-related securities which would include the following: Shariah-compliant securities of companies listed on Bursa Malaysia and/or any other exchanges of countries regulated by an authority which is a member of the IOSCO; Islamic derivatives; and Islamic CISs which invest in Shariah-compliant equities and/or Shariah-compliant equity-related securities. That part of the Fund’s NAV not invested in equities and/or Shariah compliant equity-related securities will be invested in the following: sukuk and Islamic commercial papers carrying at least A3/P2 rating by RAM (or equivalent rating by MARC); government sukuk, Islamic treasury bills and other government approved or guaranteed sukuk; Islamic deposit with financial institutions; Islamic money market instruments such as Islamic negotiable instruments and Islamic accepted bills; and Islamic CISs which invest in sukuk and/or Islamic money market instruments. Further, the Fund may invest up to 30% of the Fund’s NAV in foreign Shariah-compliant equities of companies which are domiciled in /listed in/ or have significant operations* in the Asia-Pacific markets, which include, but not limited to Australia, China, Hong Kong, India, Indonesia, Japan, New Zealand, the Philippines, Singapore, South Korea, Thailand, Taiwan, and Vietnam. *Significant operations means the revenue, earnings, production facilities, assets and/or investments of a company are based in/ derived from the Asia Pacific region. The level of significance will be determined by the Fund Manager on a case-by-case basis based on his/ her research and judgement. For the allocation of sukuk, the Fund may, for a period of 5 years from 23 July 2018 or until all three (3) core Funds reach RM25 million respectively (whichever is earlier), invest in Shariah-compliant Sukuk CISs managed by the Provider up to 60% of the Fund’s NAV in a single Shariah-compliant sukuk CIS.
Asset Allocation	The Provider will at all times invest a minimum of 40% and a maximum of 60% of the Fund’s NAV in Shariah-compliant equities and/or Shariah compliant equity-related securities; the remainder of the Fund’s NAV will be invested in sukuk, Islamic money market instruments and Islamic deposits with financial institutions. Note: The Provider will ensure that there is sufficient liquidity for the Fund to meet withdrawal requests.
Performance Benchmark	50% FTSE Bursa Malaysia EMAS Shariah Index + 50% Maybank 12-month Islamic fixed deposit-i rate. Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance benchmark.
Member 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. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Aged below 45 years

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Manulife PRS – Growth Fund

Investment Objective	The Fund aims to facilitate accumulation of retirement savings* by providing capital growth over the long-term. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.
Fund Category	Core (Growth)
Investment Strategy	To achieve the objective of the Fund, the Provider will at all times invest a minimum of 30% up to a maximum of 70% of the Fund’s net asset value (“NAV”) in equities and/or equity-related securities which would include the following: securities of companies listed on Bursa Malaysia and/or any other exchanges of countries regulated by an authority which is a member of the International Organization of Securities Commissions (“IOSCO”); derivatives; and collective investment schemes (“CIS”) which invest in equities and/or equity-related securities. That part of the Fund’s NAV not invested in equities and/or equity-related securities will be invested in fixed income instruments which would include the following: corporate bonds and commercial papers carrying at least BBB3/ P2 rating by RAM Rating Services Berhad (“RAM”) (or equivalent rating by Malaysian Rating Corporation Berhad (“MARC”)); government bonds, treasury bills and other government approved or guaranteed bonds; deposit with financial institutions; money market instruments such as negotiable certificates of deposits and bankers’ acceptances; and CISs which invest in fixed income instruments. Further, the Fund may invest up to 30% of the Fund’s NAV in foreign equities of companies which are domiciled in /listed in/ or have significant operations* in the Asia-Pacific markets, which include, but not limited to Australia, China, Hong Kong, India, Indonesia, Japan, New Zealand, the Philippines, Singapore, South Korea, Thailand, Taiwan, and Vietnam. *Significant operations means the revenue, earnings, production facilities, assets and/or investments of a company are based in/ derived from the Asia Pacific region. The level of significance will be determined by the Fund Manager on a case-by-case basis based on his/ her research and judgement.
Asset Allocation	Equities	30% to 70% of the Fund’s NAV in equities and/or equity-related securities; and
	Fixed Income Instruments and / or money market instruments	The remainder in fixed income instruments such as bonds, money market instruments and deposits with financial institutions.
	Note: The Provider will ensure that there is sufficient liquidity for the Funds to meet redemption requests.
Performance Benchmark	60% FTSE Bursa Malaysia KLCI Index + 40% Maybank 12-month fixed deposit rate. Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.
Member Profile	The Fund is suitable for Members who: seek an additional retirement savings* scheme other than a mandatory retirement scheme; are not statutorily obliged to contribute to a mandatory retirement scheme; and/or are employers who wish to contribute on behalf of their employees having the characteristics: members who have a moderate to high risk appetite and seek capital appreciation on their contributions. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Manulife Shariah PRS – Growth Fund

Investment Objective	The Fund aims to facilitate accumulation of retirement savings* by providing capital growth over the long-term. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.
Fund Category	Core (Growth)
Investment Strategy	To achieve the objective of the Fund, the Provider will at all times invest a minimum of 30% up to a maximum of 70% of the Fund’s net asset value (“NAV”) in Shariah-compliant equities and/or Shariah-compliant equity-related securities which would include the following: Shariah-compliant securities of companies listed on Bursa Malaysia and/or any other exchanges of countries regulated by an authority which is a member of the International Organization of Securities Commissions (“IOSCO”); Islamic derivatives; and Islamic collective investment schemes (“CIS”) which invest in Shariah-compliant equities and/or Shariah-compliant equity-related securities. That part of the Fund’s NAV not invested in Shariah-compliant equities and/or Shariah-compliant equity-related securities will be invested in the following: sukuk and Islamic commercial papers carrying at least A3/ P2 rating by RAM Rating Services Berhad (“RAM”) (or equivalent rating by Malaysian Rating Corporation Berhad (“MARC”)); government sukuk, Islamic treasury bills and other government approved or guaranteed sukuk; Islamic deposits with financial institutions; Islamic money market instruments such as Islamic negotiable instruments and Islamic accepted bills; and Islamic CISs which invest in sukuk and/or Islamic money market instruments. Further, the Fund may invest up to 30% of the Fund’s NAV in foreign Shariah-compliant equities of companies which are domiciled in /listed in/ or have significant operations* in the Asia-Pacific markets, which include, but not limited to Australia, China, Hong Kong, India, Indonesia, Japan, New Zealand, the Philippines, Singapore, South Korea, Thailand, Taiwan, and Vietnam. *Significant operations means the revenue, earnings, production facilities, assets and/or investments of a company are based in/ derived from the Asia Pacific region. The level of significance will be determined by the Fund Manager on a case-by-case basis based on his/ her research and judgement. For the allocation of sukuk, the Fund may, for a period of 5 years from 23 July 2018 or until all three (3) core Funds reach RM25 million respectively (whichever is earlier), invest in Shariah-compliant Sukuk CISs managed by the Provider up to 70% of the Fund’s NAV in a single Shariah-compliant sukuk CIS.
Asset Allocation	Equities	30% to 70% of the Fund’s NAV in Shariah-compliant equities and/or Shariah-compliant equity-related securities
	Fixed Income Instruments and / or money market instruments	The remainder in sukuk, Islamic money market instruments and Islamic deposits with financial institutions.
	Note: The Provider will ensure that there is sufficient liquidity for the Funds to meet redemption requests.
Performance Benchmark	60% FTSE Bursa Malaysia EMAS Shariah Index + 40% Maybank 12-month Islamic fixed deposit-i rate Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance benchmark.
Member Profile	The Fund is suitable for Members who: seek an additional retirement savings* scheme other than a mandatory retirement scheme; are not statutorily obliged to contribute to a mandatory retirement scheme; seek to invest in a Shariah-compliant investment; and/or are employers who wish to contribute on behalf of their employees having the characteristics members who have a moderate to high risk appetite and seek capital appreciation on their contributions. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Other Self Selection

Manulife PRS Asia - Pacific REIT Fund

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. #Income declared will be reinvested in the form of additional Units issued to Members.
Fund Category	Feeder (REITs)
Investment Strategy	The Fund will invest at least 95% of the Fund’s NAV in the Manulife Investment Asia-Pacific REIT Fund (“Target Fund”), while the balance 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. The Fund’s portfolio will be closely monitored and rebalanced from time to time to ensure that the Fund’s asset is allocated in accordance with its prescribed asset allocation. If the Provider is of the opinion that the Target Fund no longer meets the Fund’s objective, the Provider will, in the interest of the members, seeks the Scheme Trustee’s consultation and subject to the member’s approval, replace the Target Fund with another collective investment scheme of a similar objective.
Asset Allocation	Target Fund	At least 95% of the Fund’s NAV will be invested in the Target Fund.
	Liquid assets	Balance of the Fund’s NAV 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. Note: The Provider will ensure that there is sufficient liquidity for the Funds to meet redemption requests.
Performance Benchmark	Manulife Investment Asia REIT Ex Japan Index Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the benchmark.
Member Profile	The Fund is suitable for Members who: seek an additional retirement savings* scheme other than a mandatory retirement scheme; are not statutorily obliged to contribute to a mandatory retirement scheme; and/or are employers who wish to contribute on behalf of their employees having the characteristics: members who seek investment exposure mainly through a diversified portfolio of REITs within the Asia-Pacific region and a sustainable distribution of income and long-term capital growth on their contributions. *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

Manulife Shariah PRS – Global REIT Fund

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. #Income declared will be reinvested in the form of additional Units issued to Members.
Fund Category	Feeder (Islamic REITs)
Investment Strategy	The Fund will invest at least 95% of the Fund’s NAV in the Manulife Shariah Global REIT Fund (“Target Fund”), while the balance will be invested in Islamic liquid assets such as Islamic money market instruments and placement of Islamic deposits with financial institutions for liquidity purposes. The Fund’s portfolio will be closely monitored and rebalanced from time to time to ensure that the Fund’s asset is allocated in accordance with its prescribed asset allocation. If the Provider is of the opinion that the Target Fund no longer meets the Fund’s objective, the Provider will, in the interest of the members, seeks the Scheme Trustee’s consultation and subject to the Member’s approval, replace the Target Fund with another Islamic collective investment scheme of a similar objective.
Asset Allocation	Target Fund	At least 95% of the Fund’s NAV will be invested in the Target Fund.
	Liquid assets	Balance of the Fund’s NAV in Islamic liquid assets such as Islamic money market instruments and placement of Islamic deposits with financial institutions for liquidity purposes. Note: The Provider will ensure that there is sufficient liquidity for the Funds to meet redemption requests.
Performance Benchmark	IdealRatings® Global REITs Islamic Select Malaysia Index Note: Members should be aware that the risk profile of the Fund is not the same as the risk profile of the performance benchmark.
Member Profile	The Fund is suitable for Members who: seek an additional retirement savings* scheme other than a mandatory retirement scheme; are not statutorily obliged to contribute to a mandatory retirement scheme; seek to invest in a Shariah-compliant investment; and/or are employers who wish to contribute on behalf of their employees having the characteristics: members who seek investment exposure mainly through a diversified portfolio of REITs globally and 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) *Please note that this Fund is neither capital guaranteed nor capital protected, therefore, a Member’s capital is neither guaranteed nor protected.

CONTRIBUTIONS & WITHDRAWALS

Click for details

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

	For all Funds
Minimum Investment	Initial and subsequent investment: RM100 or such other amount as the Provider may decide from time to time.
Minimum Withdrawal	200 Units or such other amount as the PRS Provider may decide from time to time.

FEES & CHARGES

Click for details

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

Manulife PRS NESTEGG Series		Manulife PRS – Conservative Fund	Manulife PRS – Moderate Fund	Manulife PRS – Growth Fund	Manulife PRS – Asia Pacific REIT Fund
Manulife Shariah PRS NESTEGG Series		Manulife Shariah PRS – Conservative Fund	Manulife Shariah PRS – Moderate Fund	Manulife Shariah PRS – Growth Fund	Manulife Shariah PRS – Global REIT Fund
Sales charge	Class A	0%			Not Applicable
	Class B	0%			Not Applicable
	Class C	A sales charge of up to 3.00% of NAV per unit will be imposed.
	The sales charge is negotiable.
Redemption charge	Class A	A redemption charge will be imposed at the following rates: 3.00% of NAV per unit for withdrawal in the 2nd year after the first contribution to the Scheme; 2.00% of NAV per unit for withdrawal in the 3rd year after the first contribution to the Scheme; 1.00% of NAV per unit for withdrawal in the 4th year after the first contribution to the Scheme; and No redemption charge will be imposed from the 5th year after the first contribution to the Scheme.			Not Applicable
	Class B				Not Applicable
	Class C	No redemption charge will be imposed on the redemption of Class C units.
	The redemption charge will be retained by the Provider. The Provider has the discretion to waive the redemption charge. Please note that a redemption charge is applicable upon any withdrawal from the Scheme (except for upon a member reaching retirement age of fifty-five (55) years, permanent departure of a member from Malaysia or withdrawals due to a member’s death, permanent total disablement, serious disease or mental disability, healthcare purpose or housing purpose).
Switching fee (between Funds of the Scheme or between a Fund of the Scheme and any other fund in another PRS operated by the Provider)	Class A	Members may switch: between Funds of the Scheme; between a Fund of the Scheme and any other fund in another scheme operated by the Provider; and from Class A or Class B units to Class C units. However, switching from Class C units to Class A or Class B units is not allowed. No switching fee will be imposed on the first 12 switching transactions made during a calendar year. For each subsequent switching transaction made during the same calendar year, the Provider will impose the following fee on the member: RM25.00 per switch between Funds of the Scheme or between a Fund of the Scheme and any other fund in another scheme operated by the Provider. 3% of the amount switched out from Class A or Class B units to Class C units. Class C: Manulife PRS NESTEGG Series and Manulife Shariah PRS NESTEGG Series For each subsequent switching transaction made within the same class of units between Funds of the Scheme and between a Fund of the Scheme and any other fund in another PRS operated by the Provider during the same calendar year, a switching fee of RM25.00 will be imposed by the Provider on the member.
	Class B
	Class C
	The Provider may at its discretion, waive the switching fee based on the terms and conditions as may be determined from time to time.
Transfer fee (to another PRS provider)	Class A	No transfer fee will be imposed on a request to transfer to another PRS operated by another PRS provider. However, a redemption charge will be imposed on a member which rate will depend on the number of years the member has contributed to the Scheme.			Not Applicable
	Class B				Not Applicable
	Class C	A transfer fee of RM25.00 will be imposed on a request to transfer to another PRS operated by another PRS provider.
Annual management fee	Class A	1.20% per annum of the NAV attributable to this Class of units of the Fund.	1.50% per annum of the NAV attributable to this Class of units of the Fund.	1.80% per annum of the NAV attributable to this Class of units of the Fund.	Not Applicable
	Class B	1.00% per annum of the NAV attributable to this Class of units of the Fund.	1.25% per annum of the NAV attributable to this Class of units of the Fund.	1.50% per annum of the NAV attributable to this Class of units of the Fund.	Not Applicable
	Class C				Manulife PRS – Asia Pacific REIT Fund: Up to 1.75% Manulife Sharia PRS – Global REIT Fund: Up to 1.80% per annum of the NAV attributable to this Class of units of the Fund.
Annual trustee fee	Manulife PRS NESTEGG Series: 0.04% per annum of the NAV of the Fund. Manulife Shariah PRS NESTEGG Series: 0.025% per annum of the NAV of the Fund.The annual trustee fee does not include any foreign sub-custodian fees and charges (if any).
Annual PPA administration fee	0.04% per annum of the NAV of the Fund. The PPA administration fee will be charged by the Administrator to the Fund.

RISKS DISCLOSURE

Click for details

You are advised to read the scheme’s disclosure document and understand the risks involved and, if necessary, consult your professional adviser before making contributions.

General Investment Risks

Market risk, Provider risk, Liquidity risk, Interest rate risk, Inflation risk, Concentration risk, Risk associated with default option (not applicable to Manulife RPS – Asia Pacific Fund and Manulife Shariah PRS – Global REIT Fund).

Specific Risks of the Funds

Manulife PRS NESTEGG Series

	Manulife PRS- Conservative Fund	Manulife PRS- Moderate Fund	Manulife PRS-Growth Fund	Manulife PRS – Asia Pacific REIT Fund
Stock Specific Risk
Credit and Default Risk
Collective investment schemes Risk
Country Risk
Currency Risk
Risk considerations for investing in Derivatives, Structured Products and Warrants
Risk associated with investment in REITS

Manulife Shairah PRS NESTEGG Series

	Manulife Shariah PRS- Conservative Fund	Manulife Shariah PRS- Moderate Fund	Manulife Shariah PRS-Growth Fund	Manulife Shariah PRS – Global REIT Fund
Stock/Security specific Risk
Credit and Default Risk
Islamic Collective investment schemes Risk
Country Risk
Currency Risk
Risk considerations for investing in Islamic Hedging Derivatives, Islamic Structured Products and Shariah-complaint Warrants
Reclassification of Shariah status risk
Risk associated with investment in REITS
Taxation Risk

OTHERS

FUND INVESTMENT PERFORMANCE

The Fund Investment Performance information is provided by Morningstar. Click here to access the Morningstar webpage.

For more information about Morningstar, go to About Morningstar.

A.D. Avallis Financial Sdn Bhd
CC Advisory Sdn Bhd
Fin Freedom Sdn Bhd
Harveston Wealth Management Sdn Bhd
iFAST Capital Sdn Bhd
Kenanga Investors Berhad
Phillip Mutual Berhad
Standard Financial Adviser Sdn Bhd
TA Investment Management Berhad
UOB Kay Hian Securities Sdn Bhd
VKA Wealth Planners Sdn Bhd
Whitman Independent Advisors Sdn Bhd

PRS Providers & Schemes

MANULIFE INVESTMENT MANAGEMENT (M) BERHAD

Default & Self Selection

Aged 55 years & above

Aged 45 years and below 55 years

Aged below 45 years

Aged 55 years & above

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Aged 45 years and below 55 years

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Aged below 45 years

Manulife PRS NESTEGG Series Scheme Trustee: HSBC (Malaysia) Trustee Berhad

Manulife Shariah PRS NESTEGG Series Scheme Trustee: CIMB Islamic Trustee Berhad (formerly known as CIMB Trustee Berhad)

Other Self Selection

General Investment Risks

Specific Risks of the Funds

Manulife PRS NESTEGG Series

Manulife Shairah PRS NESTEGG Series