For Manulife RetireChoice (MPF) Scheme

Important to note:

• Manulife RetireChoice (MPF) Scheme (“Scheme”) is a mandatory provident fund scheme with different constituent funds each investing entirely in one or more approved pooled investment fund(s) and/or approved index-tracking collective investment scheme(s) with a different investment objective and risk profile. It also offers investment according to the Default Investment Strategy (“DIS”).
• Investment involves risks and not all investment choices available under the Scheme or the DIS would be suitable for everyone. Investors should consider the risks associated with the constituent funds and the DIS before investing.
• Investing in any of the constituent funds may be subject to various risks (including, but not limited to, country and region risk, concentration risk, risk of interest rate changes, counterparty risk, liquidity risk and general market risk). Investment according to the DIS will be subject to additional risks (including limitation in the strategy (such as age as the sole factor in determining the asset allocation under the DIS, risks associated with pre-set asset allocation, annual de-risking between the DIS Funds, potential rebalancing within each DIS Fund and additional transaction costs), general investment risk related to the DIS, risk on early withdrawal and switching and impact on Members keeping accrued benefits in the DIS beyond the age of 64). There is no assurance on investment returns and investors could suffer significant loss on their investments/accrued benefits.
• Some constituent funds may invest in single countries or regions. The investment focus of such constituent funds may give rise to increased risk over more diversified constituent funds. Some constituent funds may also invest in emerging markets and be subject to a higher degree of liquidity risk, market risk and political risk due to regulatory, political and/or economic environment. 
• You should consider your own risk tolerance level and financial circumstances before making investment choices. When, in your selection of the constituent funds or the DIS, you are in doubt as to whether a certain constituent fund or the DIS Strategy is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and make investment choices most suitable for you taking into account your circumstances.
• In the event that you do not make any investment choices, please be reminded that your contributions made and/or accrued benefits transferred into the Scheme will be invested in accordance with the DIS, which may not necessarily be suitable for you.
• Before making your investment choices, you should read the MPF Scheme Brochure for details including risk factors, fees and charges of the scheme. You should not make your investment decision based on this material alone.