Risk Class
A risk class is to be assigned to each investment portfolio according to the seven-point risk classification below based on the latest risk indicator of the investment portfolio. The risk indicator shows the annualized standard deviation based on the monthly rates of return of the fund over the past 3 years, and correct to 2 decimal places. Generally, the greater the annualized standard deviation, the more volatile/risky the investment portfolio. The risk indicator for the investment portfolio will be available 3 years after its launch date.
For the Capital Guarantee Fund (HK$ and US$, where applicable) the risk indicator shows the annualized standard deviation based on the annual declared rates of return of the fund over the past 3 years and correct to 2 decimal places. The actual interest rate of each year is declared annually in January of the following calendar year.
The risk class is prepared with reference to the Mandatory Provident Fund Schemes Authority (“MPFA”) according to the Code on Disclosure for MPF Investment Funds and the risk class may be subject to change according to the quarterly review.
The risk class has not been reviewed or endorsed by the Securities and Futures Commission (“SFC”). The risk class is not a financial tool and must not be relied upon to make any investment decisions and selection of investment portfolios. Note that the risk class is for reference only and is not a substitute for investment advice based on individual circumstances and shall not be relied upon for the selection of investment portfolios. You should seek independent professional financial advice. We are not responsible for any loss occasioned as a result of relying on such information as investment advice.
| Risk class | 1 | 2 | 3 | 4 | 5 | 6 | 7 | |
| Risk indicator | Equal or above | 0.0% |
0.5% | 2.0% | 5.0% |
10.0% | 15.0% | 25.0% |
| Less than | 0.5% | 2.0% | 5.0% |
10.0% |
15.0% | 25.0% | ||
| Risk class | Risk indicator |
|
| Equal or above | Less than | |
| 1 | 0.0% | 0.5% |
| 2 | 0.5% | 2.0% |
| 3 | 2.0% | 5.0% |
| 4 | 5.0% | 10.0% |
| 5 | 10.0% | 15.0% |
| 6 | 15.0% | 25.0% |
| 7 | 25.0% | |
Unit prices may fall as well as rise. The figures are for reference only and past performance is not indicative of future performance. Investment involves risks. Please refer to the ManuFlex (MIL) offering document for details including risk factors, fees and charges of the scheme.
No information contained in this website should be relied upon as investment advice or regarded as a substitute for detailed investment advice or regarded as a substitute for detailed investment advice in individual cases. We are not responsible for any loss occasioned as a result of relying on such information as investment advice.
Investment portfolio performance is calculated on the basis of NAV (net asset value)-to-NAV in Hong Kong Dollar, without dividend reinvested, and is net of all charges. Cumulative performance is calculated based on the relevant investment portfolio prices in Hong Kong Dollar up to the “As Of Date”, or the most preceding trading day if the “As Of Date” is not a trading day. For US Dollar policy, "NAV / Unit (USD)" is provided for your reference. Please note US Equity Strategic Fund, JPMorgan Global Bond Fund, Technology Fund, Schroder Balanced Investment Fund, Hang Seng Index Tracking Fund, Healthcare Fund, China Value Fund, Aggressive Fund and Stable Fund are available in Hong Kong Dollar policy only.
For an investment portfolio with less than 5 calendar years’ history, performance of the inception year is calculated from its launch date to the inception year end.
* The Capital Guarantee Fund (HK$ and US$) (“CGF”) offers a guarantee of capital. The guarantor is Manulife (International) Limited. Interest for the relevant calendar year (or part thereof) is determined entirely at the guarantor’s discretion and credited in January of the following calendar year based on minimum balance in CGF in each month. Future interest rate is not guaranteed and may go down as well as up. In determining the interest rate, the guarantor may retain as reserve, within the CGF which the guarantor retains the legal ownership, portion of the investment income of the CGF in excess of that required to be set aside to meet the guarantee under the CGF. In the case where the assets of the CGF prove inadequate to meet the capital guarantee and/or interest payable, provisions will be made by the guarantor to make good the shortfall over the term of the CGF. The guarantor will take into consideration such factors, including but not limited to, investment income earned by the fund, realized and unrealized capital gains/losses to determine the interest rate. Please refer to the ManuFlex (MIL) offering document for detailed features of the guarantee.
Source: Manulife Investment Management (Hong Kong) Limited.
Unit prices may fall as well as rise. The figures are for reference only and past performance is not indicative of future performance. Investment involves risks. Please refer to the ManuFlex (MIL) offering document for details including risk factors, and fees and charges of the scheme.
No information contained in this website should be relied upon as investment advice or regarded as a substitute for detailed investment advice or regarded as a substitute for detailed investment advice in individual cases. We are not responsible for any loss occasioned as a result of relying on such information as investment advice.
Investment portfolio performance is calculated on the basis of NAV (net asset value)-to-NAV in Hong Kong Dollar, without dividend reinvested, and is net of all charges.
The above chart is solely for your reference purpose. If you use the chart for price comparison, please note that only the “like-with-like” comparison is deemed relevant and the risk/return level of respective investment portfolios should be taken into consideration.
^ For US Dollar policy, "NAV / Unit (USD)" is provided for your reference.
Source: Manulife Investment Management (Hong Kong) Limited
Unit prices may fall as well as rise. The figures are for reference only and past performance is not indicative of future performance. Investment involves risks. Please refer to the ManuFlex (MIL) offering document for details including risk factors, fees and charges of the scheme.
No information contained in this website should be relied upon as investment advice or regarded as a substitute for detailed investment advice or regarded as a substitute for detailed investment advice in individual cases. We are not responsible for any loss occasioned as a result of relying on such information as investment advice.
Investment portfolio performance is calculated on the basis of NAV (net asset value)-to-NAV in Hong Kong Dollar, without dividend reinvested, and is net of all charges.
The above chart is solely for your reference purpose. If you use the chart for price comparison, please note that only the “like-with-like” comparison is deemed relevant.
The above chart is solely for your reference purpose. If you use the chart for price comparison, please note that only the “like-with-like” comparison is deemed relevant.
The above chart is solely for your reference purpose. If you use the chart for price comparison, please note that only the “like-with-like” comparison is deemed relevant.
For a fund with less than 5 calendar years’ history, performance of the inception year is calculated from its launch date to the inception year end.
The Capital Guarantee Fund (HK$ and US$) and Five Year Bond Fund are non-unitized funds. Please click the fund name to check the net asset value (NAV).
^ For US Dollar policy, "NAV / Unit (USD)" is provided for your reference.
^ For US Dollar policy, "NAV (USD)" is provided for your reference.
^^ “Top 10 portfolio holdings” lists out the largest 10 security holdings (i.e. not including cash and others) of the fund portfolio. The fund portfolio may have less than 10 security holdings.
# Due to rounding, the total may not be equal to 100%
* The Capital Guarantee Fund (HK$) (“CGF”) offers a guarantee of capital. The guarantor is Manulife (International) Limited. Interest for the relevant calendar year (or part thereof) is determined entirely at the guarantor’s discretion and credited in January of the following calendar year based on minimum balance in CGF in each month. Future interest rate is not guaranteed and may go down as well as up. In determining the interest rate, the guarantor may retain as reserve, within the CGF which the guarantor retains the legal ownership, portion of the investment income of the CGF in excess of that required to be set aside to meet the guarantee under the CGF. In the case where the assets of the CGF prove inadequate to meet the capital guarantee and/or interest payable, provisions will be made by the guarantor to make good the shortfall over the term of the CGF. The guarantor will take into consideration such factors, including but not limited to, investment income earned by the fund, realized and unrealized capital gains/losses to determine the interest rate. Please refer to the ManuFlex (MIL) offering document for detailed features of the guarantee.
* The Capital Guarantee Fund (US$) (“CGF”) offers a guarantee of capital. The guarantor is Manulife (International) Limited. Interest for the relevant calendar year (or part thereof) is determined entirely at the guarantor’s discretion and credited in January of the following calendar year based on minimum balance in CGF in each month. Future interest rate is not guaranteed and may go down as well as up. In determining the interest rate, the guarantor may retain as reserve, within the CGF which the guarantor retains the legal ownership, portion of the investment income of the CGF in excess of that required to be set aside to meet the guarantee under the CGF. In the case where the assets of the CGF prove inadequate to meet the capital guarantee and/or interest payable, provisions will be made by the guarantor to make good the shortfall over the term of the CGF. The guarantor will take into consideration such factors, including but not limited to, investment income earned by the fund, realized and unrealized capital gains/losses to determine the interest rate. Please refer to the ManuFlex (MIL) offering document for detailed features of the guarantee.
Issued by Manulife (International) Limited (Incorporated in Bermuda with limited liability).
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