Investment choice / fund price

1. Alpha (the “Plan”) is not available for policy applications and cannot continue to be marketed to the public in Hong Kong.  All information about the Plan in this website is only for existing policyowners of the Plan. Being an investment-linked assurance scheme, the Plan is an insurance policy issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”). Your investments in the Plan are therefore subject to the credit risks of Manulife. 

2. The investment choices available under the Plan can have very different features and risk profiles. Some may be of high risk. Please read the offering document of the Plan and offering documents of the underlying funds involved for details.

3. Return on your investments is calculated or determined by Manulife with reference to the performance of the underlying funds/assets.

4. Return of your investments under the Plan may be lower than that of the corresponding SFC-authorised funds due to the fees and charges levied under the Plan.

5. The premiums you pay towards the insurance policy will become part of the assets of Manulife.  You do not have any rights or ownership over any of those assets.  Your recourse is against Manulife only.

6. Early surrender of the policy, withdrawal from the policy value, premium suspension or failure to pay premium in full may result in a significant loss of principal and/or bonuses to be awarded.  Poor performance of the underlying funds/assets may further magnify the investment losses, while all fees and charges are still deductible.

7. The return of some of the investment choices is calculated with reference to pools of assets internally managed by Manulife on a discretionary basis not authorised by the Securities and Futures Commission in Hong Kong under the Code on Unit Trusts and Mutual Funds.

8. More importantly, you should be aware of the following regarding your life coverage, any optional supplementary benefits selected and the cost of insurance (“COI”):

• Part of the fees and charges you pay that will be deducted from the value of your policy will be used to cover the COI for the life coverage and any optional supplementary benefit you may choose.

• The COI will reduce the amount that may be applied towards investment in the investment choices selected.

• The COI may increase significantly during the term of your policy due to factors such as age and investment losses, etc. This may result in significant or even total loss of your premiums paid.

• If the value of your policy becomes insufficient to cover all the ongoing fees and charges, including the COI, your policy may be terminated early and you could lose all your premiums paid and benefits.

• You should consult your intermediary for details, such as how the fees and charges may increase and impact the value of your policy.

9. The underlying funds of some of the investment choices are derivative funds with net derivative exposure exceeding 50% of their net asset value. They may only be suitable for investors who understand the complicated structure of derivative product and the associated risks. You may incur significant loss if investing in such investment choices. You are strongly advised to exercise caution in relation to such investment choices.  Please read the offering documents (including the product key facts statements) of the underlying funds for details of risks associated with the underlying funds.  

10. Investment involves risk. You should not invest solely based on the information in this website. Please read the offering document of the Plan for details including the risk factors, charges and features of the product.

This webpage is issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability).

1. Alpha Regular Investor (the “Plan”) is not available for policy applications. All information about the Plan in this website is only for existing policyowners of the Plan. Being an investment-linked assurance scheme, the Plan is an insurance policy issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”). Your investments in the Plan are therefore subject to the credit risks of Manulife.

2. The investment choices available under the Plan can have very different features and risk profiles. Some may be of high risk. Please read the offering document of the Plan and offering documents of the underlying funds involved for details.

3. Return on your investments is calculated or determined by Manulife with reference to the performance of the underlying funds/assets.

4. Return of your investments under the Plan may be lower than that of the corresponding SFC-authorised funds due to the fees and charges levied under the Plan.

5. The premiums you pay towards the insurance policy will become part of the assets of Manulife. You do not have any rights or ownership over any of those assets. Your recourse is against Manulife only.

6. Early surrender of the policy, partial withdrawal from the policy value, premium holiday or failure to pay premium in full may result in a significant loss of principal and/or bonuses to be awarded. Poor performance of the underlying funds/assets may further magnify the investment losses, while all fees and charges are still deductible.

7. The return of some of the investment choices is calculated with reference to pools of assets internally managed by Manulife on a discretionary basis not authorised by the Securities and Futures Commission in Hong Kong (the “SFC”) under the Code on Unit Trusts and Mutual Funds.

8. More importantly, you should be aware of the following regarding your life coverage, any optional supplementary benefits selected and the cost of insurance (COI):

• Part of the fees and charges you pay that will be deducted from the value of your policy will be used to cover the COI for the life coverage and any optional supplementary benefit you may choose.

• The COI will reduce the amount that may be applied towards investment in the investment choices selected.

• The COI may increase significantly during the term of your policy due to factors such as age and investment losses, etc. This may result in significant or even total loss of your premiums paid.

• You should consult your intermediary for details, such as how the fees and charges may increase and could impact the value of your policy.

• The policy will be terminated if Manulife has not received sufficient premiums to cover the outstanding monthly deduction due, including cost of insurance, after a grace period of 31 days in the following circumstances and you may lose all your premiums paid, the death benefit and any other supplementary benefit from the policy.

• The initial account value is insufficient to cover the monthly deduction due, including cost of insurance, within the initial period (i.e. the first 24 months since policy year date); or

• The accumulation account value is insufficient to cover the monthly deduction due, including cost of insurance, after the initial period (i.e. the first 24 months since policy year date).

9. The underlying funds of some of the investment choices are derivative funds with net derivative exposure exceeding 50% of their net asset value. They may only be suitable for investors who understand the complicated structure of derivative product and the associated risks. You may incur significant loss if investing in such investment choices. You are strongly advised to exercise caution in relation to such investment choices.  Please read the offering documents (including the product key facts statements) of the underlying funds for details of risks associated with the underlying funds.

10. Investment involves risk. You should not invest solely based on the information in this website. Please read the offering document of the Plan for details including the risk factors, charges and features of the product.

This webpage is issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability).

1. Flexible Investment Protector (the “Plan”) is not available for policy applications and cannot continue to be marketed to the public in Hong Kong.  All information about the Plan in this website is only for existing policyowners of the Plan. Being an investment-linked assurance scheme, the Plan is an insurance policy issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”).  Your investments in the Plan are therefore subject to the credit risks of Manulife. 

2. The investment choices available under the Plan can have very different features and risk profiles. Some may be of high risk.  Please read the offering document of the Plan and offering documents of the underlying funds involved for details. 

3. Return on your investments is calculated or determined by Manulife with reference to the performance of the underlying funds/assets.

4. The premiums you pay towards the insurance policy will become part of the assets of Manulife.  You do not have any rights or ownership over any of those assets.  Your recourse is against Manulife only.

5. Early surrender of the policy, withdrawal from the policy value, premium suspension or failure to pay premium in full may result in a significant loss of principal.  Poor performance of the underlying funds/assets may further magnify the investment losses, while all fees and charges are still deductible.

6. The return of some of the investment choices is calculated with reference to pools of assets internally managed by Manulife on a discretionary basis not authorised by the Securities and Futures Commission in Hong Kong under the Code on Unit Trusts and Mutual Funds.

7. More importantly, you should be aware of the following regarding your life coverage, any optional supplementary benefits selected and the cost of insurance (“COI”): 

• Part of the fees and charges you pay that will be deducted from the value of your policy will be used to cover the COI for the life coverage and any optional supplementary benefit you may choose.

• The COI will reduce the amount that may be applied towards investment in the investment choices selected.

• The COI may increase significantly during the term of your policy due to factors such as your age and investment losses, etc.  This may result in significant or even total loss of your premiums paid.

• If value of your policy becomes insufficient to cover all the ongoing fees and charges, including the COI, your policy may be terminated early and you could lose all your premiums paid and benefits.

• You should consult your intermediary for details, such as how the fees and charges may increase and could impact the value of your policy.

8. Investment involves risk. You should not invest solely based on the information in this website. Please read the offering document of the Plan for details including the risk factors, charges and features of the product.

This webpage is issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability).

1. Manulife Investment Plus (the “Plan”) is not available for policy applications and cannot continue to be marketed to the public in Hong Kong. All information about the Plan in this website is only for existing policyowners of the Plan. Being an investment-linked assurance scheme, the Plan is an insurance policy issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”). Your investments in the Plan are therefore subject to the credit risks of Manulife.

2. The investment choices available under the Plan can have very different features and risk profiles. Some may be of high risk. Please read the offering document of the Plan and offering documents of the underlying funds involved for details.

3. Return on your investments is calculated or determined by Manulife with reference to the performance of the underlying funds/assets.

4. Return of your investments may be lower than that of the corresponding SFC-authorised funds due to the fees and charges levied under the Plan.

5. The premiums you pay towards the insurance policy will become part of the assets of Manulife. You do not have any rights or ownership over any of those assets. Your recourse is against Manulife only.

6. Early surrender of the policy or partial withdrawal from the policy value may result in a significant loss of principal and/or bonuses to be awarded. Poor performance of the underlying funds/assets may further magnify the investment losses, while all fees and charges are still deductible.

7. The return of some of the investment choices is calculated with reference to pools of assets internally managed by Manulife on a discretionary basis not authorised by the SFC under the Code on Unit Trusts and Mutual Funds.

8. Investment involves risk. You should not purchase this Plan unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.

9. Please note the following in respect of the two investment choices, Manulife Inv China A Fund and the Manulife Inv China Bond Fund (“China Market Investment Choices”) available under the Plan.

• They are denominated in United States Dollars (“USD”) only and not in Renminbi (“RMB”) as the underlying funds use the Qualified Foreign Institutional Investor (“QFII”) regime, the Bond Connect and/or the Foreign Access Regime and/or other means as may be permitted by the relevant regulations from time to time to invest primarily in relevant securities in Mainland China;

• They are subject to the redemption limit and settlement limit due to the restrictions and requirements relating to investment of the underlying funds via QFII regime and China Interbank Bond Market, including repatriation limits;

• Redemption from the China Market Investment Choices will require longer time due to the current dealing arrangement under the QFII regime; the Bond Connect and/or the Foreign Access Regime and redemption limit imposed on the underlying funds. Any unexecuted redemption requests on each dealing day will be carried forward to the next dealing day. Policyowners may receive redemption proceeds different from their expectation due to various factors, including market value movement and RMB exchange risk;

• They are subject to an exit fee as set out in Section 11 of Annex in the Principal Brochure - Product Brochure of the Plan in addition to the fees and charges, including an early redemption fee, currently applicable to the Plan as stated in the Principal Brochure. Unlike other investment choices under the Plan, the exit fee of the China Market Investment Choices is deducted from the redemption amount upon policy cancellation or termination during the cooling-off period, switching out, partial withdrawal or policy surrender;

• They are eligible as the basis of calculating annual bonus in respect of the premium paid but notional units of the China Market Investment Choices will not be allocated as regards annual bonus to be credited to the policy. If the policy has notional units only in any of the China Market Investment Choices and/or any other investment choices which are not open for subscription, annual bonus credited to the policy will be added to the account value of the Manulife Inv Amundi Cash Fund;

• Policyowners holding notional units of the China Market Investment Choices should note that they are permitted to switch out to Manulife Inv Amundi Cash Fund only. No switching into the China Market Investment Choices is permitted currently; and

• They are exposed to currency risks due to the underlying funds’ engagement in multi-currency conversions.

The product key facts statements of the underlying funds corresponding to the China Market Investment Choices are distributed together with the Principal Brochure of the Plan. You are strongly advised to read the product key facts statements of the underlying funds in conjunction with the Principal Brochure of the Plan. The offering documents of the underlying funds corresponding to the China Market Investment Choices will be made available by Manulife upon request. You are also advised to read these documents to understand the features and associated risks of the underlying funds.

10. The underlying funds of some of the investment choices are derivative funds with net derivative exposure exceeding 50% of their net asset value. They may only be suitable for investors who understand the complicated structure of derivative product and the associated risks. You may incur significant loss if investing in such investment choices. You are strongly advised to exercise caution in relation to such investment choices.  Please read the offering documents (including the product key facts statements) of the underlying funds for details of risks associated with the underlying funds.

11. Each of the investment choices denoted by their names ended with “(dist)” (collectively, the “Payout Distribution Investment Choices”) is an investment choice with feature of aiming to distribute dividend payout on a regular basis. By choosing the Payout Distribution Investment Choices, you will receive the payouts if dividends are received by Manulife from the corresponding underlying funds. However, please note that:

• The corresponding underlying funds do not guarantee distribution of dividends, the frequency of distribution, and the amount or rate of dividends.

• Each of the underlying funds linked to the Payout Distribution Investment Choices may at its discretion pay dividend out of capital or gross income while charging / paying all or part of its fees and expenses to / out of its capital (i.e. effectively pay dividend out of capital). Such payment of dividends out of capital amounts to a return or withdrawal of part of the original investment or from any capital gains attributable to that original investment, and may result in an immediate reduction of the net asset value per share of the underlying funds after the distribution date, which may have a negative impact on the prices of the respective Payout Distribution Investment Choices. Please also note that a positive distribution yield does not imply a positive return.

• The dividend payouts from the Payout Distribution Investment Choices will reduce the policy value and therefore the death benefit payable may be reduced as compared to the investment choices with dividend reinvestment.

• It may also lead to termination of the policy if the policy value drops to zero.

• You should not choose these Payout Distribution Investment Choices unless you understand them and they have been explained to you how they are suitable for you

12. You should not invest solely based on the information in this website. Please read the offering document of the Plan for details including the risk factors, charges and features of the product.

This webpage is issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability).

1. Manulife Investment Plus 2 (the "Plan"), is an investment-linked assurance scheme, which is an insurance policy issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife” or “we” or “us”). Policyowner is referred as “you” or “your” throughout the offering documents.

2. The premium you pay, after deduction of any fees and charges applicable to the Plan, will be invested by Manulife in the underlying funds corresponding to your selected investment choices. Your investments are therefore subject to the credit risks of Manulife.

3. The premiums you pay towards the insurance policy will become part of the assets of Manulife. You do not have any rights or ownership over any of those assets. Your recourse is against Manulife only.

4. The investment choices available under the Plan can have very different features and risk profiles. Some may be of high risk. Do not invest in the corresponding investment choices unless you fully understand and are willing to assume the risks associated with them. These instruments can be highly volatile and expose you to a high risk of loss. Please read the offering document of the Plan and offering documents of the underlying funds involved for details, including but not limited to their investment objectives and policies, risk factors and charges, which are made available by Manulife free of charge upon request.

5. Your potential return on investments is calculated or determined by Manulife with reference to the performance of the underlying funds corresponding to the investment choices you selected. Due to the various fees and charges levied by Manulife on the policy, the potential return on the policy as a whole may be lower than the return of the underlying fund corresponding to the investment choices you selected. You are subject to the investment risk.

6. The account value of the policy will be calculated by Manulife with reference to the performance of the underlying funds corresponding to the investment choices you select from time to time and the ongoing fees and charges which will continue to be deducted from the policy. The Units of each investment choices allocated to the policy are notional and solely for determining the account value and benefits under the policy.

7. Early surrender or partial withdrawal of the policy/ or policy termination may result in a significant loss of principal and/or bonuses awarded. Poor performance of underlying funds corresponding to the investment choices may further magnify your investment losses, while fees and charges are still deductible.

8. The Plan is subject to an early redemption fee of up to 5% of the account value. It is only suitable for investors who are prepared to hold the investment for a long term period.

9. If you are not prepared to hold your policy for at least five years, the Plan is not suitable for you and it may be cheaper to purchase an insurance policy and make separate fund investments. You should seek independent professional advice.

10. Investment involves risks. You should not purchase this Plan unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.

11. The underlying funds of some of the investment choices annotated with “***” are derivative funds with net derivative exposure exceeding 50% of their net asset value. They may only be suitable for investors who understand the complicated structure of derivative product and the associated risks. You may incur significant loss if investing in such investment choices. You are strongly advised to exercise caution in relation to such investment choices. Please read the offering documents (including the product key facts statements) of the underlying funds for details of risks associated with the underlying funds.

12. Each of the investment choices denoted by their names ended with “(dist)” (collectively, the “Payout Distribution Investment Choices”) is an investment choice with feature of aiming to distribute dividend on a regular basis. By choosing the Payout Distribution Investment Choices, you will receive the dividends if dividends are received by Manulife from the corresponding underlying funds. However, please note that:

• The corresponding underlying funds do not guarantee distribution of dividends, the frequency of distribution, and the amount or rate of dividends. 

• Each of the underlying funds linked to the Payout Distribution Investment Choices may at its discretion pay dividend out of capital or gross income while charging / paying all or part of its fees and expenses to / out of its capital (i.e. effectively pay dividend out of capital). Such payment of dividends out of capital amounts to a return or withdrawal of part of the original investment or from any capital gains attributable to that original investment, and may result in an immediate reduction of the net asset value per share of the underlying funds after the distribution date, which may have negative impact on the prices of the respective Payout Distribution Investment Choices. Please also note that a positive distribution yield does not imply a positive return.

• The dividends from the Payout Distribution Investment Choices will reduce the account value and therefore the death benefit payable may be reduced as compared to the investment choices with dividend reinvestment.

• It may also lead to termination of the policy if the account value drops to zero.

• The amount of dividend paid by the Payout Distribution Investment Choices and the dividend composition information of the corresponding underlying fund for the last 12 months are made available by Manulife on request and also on the website of the Plan.

• Manulife may amend the distribution policy of the Plan (including its investment choices) subject to SFC’s prior approval and by giving not less than one month’s prior notice to you.

• You should not choose these Payout Distribution Investment Choices unless you understand them and they have been explained to you how they are suitable for you.

13. You should not invest solely based on the information in this website. Please read the offering document of the Plan for details including the risk factors, charges and features of the product.

This webpage is issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability).

1. Manulife Investment Solutions (the “Plan”) is not available for policy applications and cannot continue to be marketed to the public in Hong Kong. All information about the Plan in this website is only for existing policyowners of the Plan. Being an investment-linked assurance scheme, the Plan is an insurance policy issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”). Your investments in the Plan are therefore subject to the credit risks of Manulife.

2. The investment choices available under the Plan can have very different features and risk profiles. Some may be of high risk. Please read the offering document of the Plan and offering documents of the underlying funds involved for details.

3. Return on your investments is calculated or determined by Manulife with reference to the performance of the underlying funds/assets.

4. Return of your investments may be lower than that of the corresponding SFC-authorised funds due to the fees and charges levied under the Plan.

5. The premiums you pay towards the insurance policy will become part of the assets of Manulife. You do not have any rights or ownership over any of those assets. Your recourse is against Manulife only.

6. Early surrender of the policy or partial withdrawal from the policy value may result in a significant loss of principal and/or bonuses to be awarded. Poor performance of the underlying funds/assets may further magnify the investment losses, while all fees and charges are still deductible.

7. The return of some of the investment choices is calculated with reference to pools of assets internally managed by Manulife on a discretionary basis not authorised by the Securities and Futures Commission in Hong Kong under the Code on Unit Trusts and Mutual Funds.

8. Investment involves risk. You should not purchase this Plan unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours. 

9. Please note the following in respect of the two investment choices, Manulife Inv China A Fund and the Manulife Inv China Bond Fund (“China Market Investment Choices”) available under the Plan.

• They are denominated in United States Dollars (“USD”) only and not in Renminbi (“RMB”) as the underlying funds use the Qualified Foreign Institutional Investor (“QFII”) regime, the Bond Connect and/or the Foreign Access Regime and/or other means as may be permitted by the relevant regulations from time to time  to invest primarily in relevant securities in Mainland China;

• They are subject to the redemption limit and settlement limit due to the restrictions and requirements relating to investment of the underlying funds via QFII regime and China Interbank Bond Market, including repatriation limits;

• Redemption from the China Market Investment Choices will require longer time due to the current dealing arrangement under the QFII regime; the Bond Connect and/or the Foreign Access Regime and redemption limit imposed on the underlying funds. Any unexecuted redemption requests on each dealing day will be carried forward to the next dealing day. Policyowners may receive redemption proceeds different from their expectation due to various factors, including market value movement and RMB exchange risk;

• They are subject to an exit fee in addition to the fees and charges, including an early redemption fee, currently applicable to the Plan as stated in the Principal Brochure. Unlike other investment choices under the Plan, the exit fee of the China Market Investment Choices is deducted from the redemption amount upon policy cancellation or termination during the cooling-off period, switching out, partial withdrawal or policy surrender or death of the life insured;

• They are eligible as the basis of calculating annual bonus in respect of the premium paid but notional units of the China Market Investment Choices will not be allocated as regards annual bonus to be credited to the policy. If the policy has notional units only in any of the China Market Investment Choices and/or any other investment choices which are not open for subscription, annual bonus credited to the policy will be added to the account value of the Manulife Inv Amundi Cash Funds;

• Policyowners holding notional units of the China Market Investment Choices should note that they are permitted to switch out to Manulife Inv Amundi Cash Fund only. No switching into the China Market Investment Choices is permitted currently; and

• They are exposed to currency risks due to the underlying funds’ engagement in multi-currency conversions.
You are strongly advised to read the offering documents of the underlying funds corresponding to the China Market Investment Choices (including but not limited to the product key facts statements), which will be made available by Manulife upon request, to understand the features and associated risks of the underlying funds.

10. The underlying funds of some of the investment choices are derivative funds with net derivative exposure exceeding 50% of their net asset value. They may only be suitable for investors who understand the complicated structure of derivative product and the associated risks. You may incur significant loss if investing in such investment choices. You are strongly advised to exercise caution in relation to such investment choices.  Please read the offering documents (including the product key facts statements) of the underlying funds for details of risks associated with the underlying funds.

11. Each of the investment choices denoted by their names ended with “(dist)” (collectively, the “Payout Distribution Investment Choices”) is an investment choice with feature of aiming to distribute dividend payout on a regular basis. By choosing the Payout Distribution Investment Choices, you will receive the payouts if dividends are received by Manulife from the corresponding underlying funds. However, please note that:

• The corresponding underlying funds do not guarantee distribution of dividends, the frequency of distribution, and the amount or rate of dividends.

• Each of the underlying funds linked to the Payout Distribution Investment Choices may at its discretion pay dividend out of capital or gross income while charging / paying all or part of its fees and expenses to / out of its capital (i.e. effectively pay dividend out of capital). Such payment of dividends out of capital amounts to a return or withdrawal of part of the original investment or from any capital gains attributable to that original investment, and may result in an immediate reduction of the net asset value per share of the underlying funds after the distribution date, which may have a negative impact on the prices of the respective Payout Distribution Investment Choices. Please also note that a positive distribution yield does not imply a positive return.

• The dividend payouts from the Payout Distribution Investment Choices will reduce the policy value and therefore the death benefit payable may be reduced as compared to the investment choices with dividend reinvestment.

• It may also lead to termination of the policy if the policy value drops to zero.

• You should not choose these Payout Distribution Investment Choices unless you understand them and they have been explained to you how they are suitable for you.

12. You should not invest solely based on the information in this website. Please read the offering document of the Plan for details including the risk factors, charges and features of the product

 This webpage is issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability).