Manage your account

Investment-linked Assurance Scheme

Switch existing investment choices / funds by following the demo:

Alpha

Alpha Regular Investor

Matrix

ManuSelect Investment Protector / Flexible Investment Protector / Variable Investment Protector / ManuGift

Manulife Investment Solutions / Manulife Investment Plus / Manulife Secure IncomePlus

MPF / ORSO / Pension

Switch the existing fund holdings in your account by following the demo:

How it works 

Step-by-step guide

Mutual Funds / Unit Trusts

Switch existing funds by following the demo or instruction:

Manulife InvestChoice

Manulife Global Fund / Manulife Advanced Fund SPC / Manulife Hong Kong Series

Investment-linked Assurance Scheme

Change allocation for future investment / premium / regular subscription by following the demo:

Alpha

Alpha Regular Investor

Matrix

ManuSelect Investment Protector / Flexible Investment Protector / Variable Investment Protector / ManuGift

Manulife Investment Solutions / Manulife Investment Plus

MPF / ORSO / Pension

Change investment allocations for all your future monies (including regular contributions and assets transferred from another scheme) which have not been allocated to your account by following the demo:

Change future investments

Mutual Funds / Unit Trusts

Subscribe funds by following the demo or instruction:

Manulife InvestChoice

Manulife Global Fund / Manulife Advanced Fund SPC / Manulife Hong Kong Series

Mutual Funds / Unit Trusts

Redeem Investment funds online by following the demo or instruction:

Manulife InvestChoice

Manulife Global Fund / Manulife Advanced Fund SPC / Manulife Hong Kong Series

Help you snare every investment opportunity

Simply set target prices for your selected fund(s), and an e-Alert will be sent to your registered e-mail address when the target price is reached.

Set price target alert by following the demo for:

Manulife Investment Solutions / Manulife Investment Plus

MPF / ORSO / Pension

You may check your MPF contribution record in the following ways:

1. Manulife Online Service: Log in to Manulife customer website. After login, select "Portfolio > Policy / account activity summary" from the menu bar, then choose "MPF / ORSO / Pension account(s) > View contribution record" to access your contribution record for the past 24 months.

2. Phone: Call our Smart Call hotline (852) 2108 1313. Select language and then key in the first 6-digit of your HKID / Passport Number, Date of Birth and PIN, follow the instruction, then you can check your last contribution record.

3. Member Benefit Statement: Log in to Manulife customer website to view your e-Member Benefit Statement. Please note that Member Benefit Statement will be available online within 7 days after your first successful login. If you have not opted for the e-Statement and e-Notice Service, hardcopy of your Annual Member Benefit Statement will be mailed to your correspondence address during mid-May to June every year.

Manulife will issue a Calculation Discrepancy Report (CDR) to your employer about this situation. The overpaid mandatory contributions will be kept in your employer's cash account until we receive further instruction from your employer.

Your employer should communicate the above with you and proceed with a refund should you wish to do so. Alternatively, you can make voluntary contributions with your overpaid mandatory contributions. In this connection, please ask your employer to provide the said instruction by completing the CDR and return to Manulife.

When you reach the retirement age of 65, you can withdraw your MPF accrued benefits. You may also elect to withdraw your accrued benefits earlier under the following circumstances:

• early retirement at age 60; or
• permanent departure from Hong Kong; or 
• total incapacity; or
• terminal illness; or
• death; or
• small balance account of less than HKD5,000, the member does not intend to become employed or self-employed; and at least 12 months has elapsed since the contribution day in respect of the latest contribution period for which mandatory contribution is required to be made to any registered scheme, and the member does not have accrued benefits kept in any other registered scheme.

Please complete the appropriate claim form and submit it together with the necessary supporting document(s) to us. 

We will release the accrued benefits to you within 30 days upon receipt of the completed documents from you.

For details about the eligibility for MPF accrued benefits withdrawal and the necessary supporting documents, please refer to the offering documents of relevant MPF scheme and the claim form.

We will provide to each member of the MPF Scheme an Annual Member Benefit Statement within 3 months from the end of the financial period of the scheme (financial year ending on Mar 31 each year). The statement is mailed to your correspondence address during mid-May to June every year. If you hold more than one MPF account, you will receive Annual Member Benefit Statements in respect of each account separately.

You can log in to Manulife customer website to view the Annual Member Benefit Statement.

If you have opted for the e-Statement and e-Notice service, alerts will be sent to your registered email address to inform you that the Member Benefit Statement and the fund fact sheet are ready in Manulife customer website respectively.

After log in to Manulife customer website, select "Portfolio > e-Statement / e-Notice" from the menu bar, then click “View MPF e-Statements / e-Notices” to view your “Annual Member Benefit Statement” and the monthly updated "Member Benefit Statement". Please note that Member Benefit Statement will be available online within 7 days after your first successful login.

Member Benefit Statement Reading Guide

Standardized terms used in the Member Benefit Statement

Fees and charges for the Manulife MPF Scheme
Please refer to ALL of the following items of the scheme:

1. MPF Scheme Brochure (Please refer to Section 5 – “Fees and Charges” for details)
   
2. An illustrative example of Fees and Charges of the MPF Conservative Fund of the Manulife Global Select (MPF) Scheme
3. On-going cost illustrations for Manulife Global Select (MPF) Scheme
   

Fund Expense Ratio (FER)

Please refer to the Fund Fact Sheet, which can be accessed in the following ways:

1. Manulife Online Service: Please click here for downloading the latest Fund Fact Sheet.

2. Annual Member Benefit Statement: The Fund Fact Sheet is released with the Annual Member Benefit Statement, which is mailed to your correspondence address between mid-May and June each year. For members who have opted for e-Statement and e-Notice Service, the fund fact sheet will be uploaded to Manulife customer website for viewing under the e-Statement section.

You may change your MPF fund portfolio in the following ways:

1. Manulife Online Service: Log in to Manulife customer website. After login, select "Portfolio > Manage funds / investment choices" from the menu bar, then choose related account and submit your instruction(s) online.

2. Phone: Call our Smart Call hotline (852) 2108 1313. Select language and then key in the first 6-digit of your HKID / Passport Number, Date of Birth and PIN to submit instruction. Download Guide to change your Fund Portfolio in Smart Call for details

3. Fax / Mail in: Download and complete the form and submit it to Manulife by fax to (852) 2104 3504 or by mail.

Notes:

Please do not submit the same instruction via multiple channels in order to avoid confusion and duplication.

Effective November 1, 2013, the minimum relevant income level was amended to HKD 7,100 per month from its original level of HKD 6,500. For the contribution periods (wage periods in general) starting on or after November 1, 2013, employers, employees and self-employed persons should make contributions according to the new level.

Under the new amendment, employees with a monthly relevant income of HKD 6,500 or more but less than HKD 7,100 are not required to make the employee’s portion of contributions. Their employer(s), however, still have to make the employer’s portion of contributions (5% of the employee’s relevant income). If your current monthly relevant income falls within this range, you should pay attention to whether your employer has made its portion of contribution and no longer deducts the employee’s portion of contribution from your relevant income. However, for contribution periods which start before November 1, 2013, you still need to make the employee’s contribution.

Self-employed persons with relevant income less than HKD 7,100 monthly or HKD 85,200 yearly do not have to make contribution. For monthly contribution frequency, you are not required to make contributions for contribution periods starting on or after November 1, 2013. However, for annual contribution with contribution periods starting before November 1, 2013, e.g. April 1, 2013 to March 31, 2014, you still need to make contribution for the whole period.

Effective June 1, 2014, for contribution periods commencing on or after June 1, 2014, the level of maximum relevant income has been amended as follows:

For monthly-paid regular employees, the level of maximum relevant income has risen from HKD 25,000 per month to HKD 30,000 per month. Maximum mandatory contributions have been adjusted accordingly from HKD 1,250 to HKD 1,500 per month. Employees with monthly relevant income more than HKD 25,000 are required to increase their mandatory contributions in line with these amendments.

For self-employed persons, the level of maximum relevant income has risen from HKD 25,000 per month to HKD 30,000 per month and from HKD 300,000 per year to HKD 360,000 per year. Maximum mandatory contributions have been adjusted accordingly from HKD 1,250 to HKD 1,500 per month or from HKD 15,000 to HKD 18,000 per year. However, for self-employed persons making annual contributions for which the contribution period starts before June 1, 2014, (e.g. April 1, 2014 to March 31, 2015), the maximum mandatory contribution amount of HKD 15,000 per year still applies.

Employees should pay attention to whether your employer has calculated your contributions accurately and deducted the right amount of mandatory and / or voluntary contributions from your payroll after the new requirements come into effect.

For Self-employed persons, Manulife has updated the contribution arrangement on your behalf. However, you may need to revise or cancel the payment limit of your existing Autopay or PPS instructions to avoid any debit issues or payment shortfall that may lead to default contribution.

You may also take this opportunity to review and adjust your existing voluntary contributions arrangement.

Manulife will notify your employer to follow up. Your employer should rectify the situation and settle any outstanding payments as soon as possible.

Under the provisions of the Inland Revenue Ordinance (IRO), mandatory contributions to MPF schemes are deductible in calculating the assessable income of an employee or assessable profits of a self-employed person. All contributions other than mandatory contributions are voluntary and are not deductible. The maximum annual tax deductions for mandatory contributions to Mandatory Provident Fund schemes are as follows* 

*Source: Government website
http://www.gov.hk/en/residents/taxes/salaries/allowances/deductions/mpf.htm

You can obtain the latest updates on MPF fund performance in the following ways:

1. Viewing the latest fund performance: Select "Fund price" from the menu bar of this website, then choose "Manulife Global Select (MPF) Scheme" under "MPF & ORSO". Please click “I have read and understood the above information” after reading the disclaimer, then you can find the latest updates on MPF fund performance. Alternatively, please click here for downloading the latest Fund Fact Sheet.

2. Setting up MPF Fund Price Alert: Log in to Manulife customer website. After login, select “Portfolio > Set fund / investment choice price alert” from the menu bar. Click “Set fund price alert” under “MPF / ORSO / Pension”, then you can set up a fund price alert.

Click here to view the demo

You can open a Manulife InvestChoice account by contacting your Manulife Financial Planning Manager. If you do not have a Manulife Financial Planning Manager, please make an appointment.

Please have the following documents ready:

• Hong Kong Permanent Identity Card (“HKID”) or passport photo page;
• Residential address proof (issued within the past 3 months); and
• Bank account statement (issued within the past 3 months) or bank passbook signature page to confirm your Designated Bank Account (see below for more information).
• If you are currently engaged in any regulated activity defined in the Securities and Futures Ordinance, a consent letter by your employer/principal.

Once you have completed the application form and submitted all the required documents, we will respond to you in one to two business days.

Manulife InvestChoice account is not available to citizens and residents of the U.S. and Canada. Any applicants to open a single name account or a joint account must be 18 years old or above.

Yes, you may open one “Trade-based Account” or one “Asset-based Account” or both types of account in your name. You may also open joint accounts with different persons, but each joint account is held by no more than two persons. However, you can open no more than one account of the same type. Likewise, the same joint holders cannot open more than one account of the same type.

No, assets cannot be transferred across accounts.

When you open a Manulife InvestChoice Account, multi-currency (HKD, USD, CNY, EUR, and AUD) Cash Account held in the name of Manulife Investment Management (HK) Nominee Limited on your behalf is immediately available to facilitate your subscription, switching or redemption of funds. The Cash Account will receive interest monthly based on monies held in it.

Please refer to the fund fees page for details.

You can choose the following payment methods in Manulife InvestChoice:

1. Cheque

• Write a cheque made payable to “Manulife Investment Management (HK) Nominees Limited”. The cheque should be issued by you as the holder of Manulife InvestChoice account and you need to write down your relevant Cash Account number on the back of the cheque.
• Upload an image of the cheque to our online platform – Manulife iFUNDS and mail the cheque to: 
  Manulife Investment Management (Hong Kong) Limited 
  23/F., Manulife Tower, One Bay East 
  83 Hoi Bun Road, Kwun Tong, Kowloon, Hong Kong 
  Attn: Wealth Operations Department (Manulife InvestChoice)
• Cheques or bank drafts drawn outside of Hong Kong are not accepted

1. Faster Payment System (FPS)

• Save the QR code from the online platform – Manulife iFUNDS.
• Scan the QR code with your bank’s FPS app and choose Pay by QR Code.
• Follow the instruction in your bank’s FPS app and complete the procedure.

1. Transfer Money through e-Banking

• The full name(s) of the account holder(s) must be shown on the money transfer advice.

1. Electronic Direct Debit Instruction (eDDI)

• eDDI is available upon the successful set-up of an electronic direct debit authorization (eDDA).

You can set up one or more DBA for receiving withdrawals from your Cash Account and the money will be paid by direct deposits to your DBA rather than by cheques. A DBA can also be used for top up of your Cash Account. Each DBA must be in the name(s) same as the account holder(s). For a joint account, the DBA should be held in the same names of all the joint holders.

You can choose to receive dividends paid directly to your cash account or have dividends reinvested as units in the same fund.

All valid dealing instructions received by the Hong Kong cut-off time (3:00pm) on a dealing day will be processed on that day. Instructions received after the said cut-off time or on a non-dealing day will be processed on the next dealing day. Please note that the actual receipt days of redemption proceeds may differ depending on the fund provider.

The online platform, Manulife iFUNDS is compatible with recent versions of mainstream modern browsers, such as Chrome version 70+, Safari version 10+ and Microsoft Edge. At a minimum, a Wi-Fi or 4G connection is recommended.

When you have entered your password incorrectly for 3 times, a “Login Failed” system message will be shown in red: 

"The credential you entered does not match with our system and the account has been suspended. You can click on "Forgot password" to reset password and access your account again afterward."

Please click "Forgot password" to reset your password before accessing your account again.

Please contact your Manulife Financial Planning Manager. If you don’t have a Manulife Financial Planning Manager, please make an appointment.

An eligible account holder of Manulife Funds* can open a Manulife InvestChoice Account and transfer all the existing fund holdings into the new account via a simplified account transfer process.

Normally fund units transfer will be processed within 5 business days after the new account is opened and the account holder’s online instruction (and signed Fund Units Transfer Form with regard to Manulife Hong Kong Series) is accepted and, if applicable, after the account holder’s  receipt of the latest dividend reinvestment.

Please note that during the transfer process, you cannot switch or redeem the fund units concerned. Nevertheless, you can instruct fund subscriptions and deposit monies to your new Manulife InvestChoice Accounts. 

The transfer does not involve buying or selling fund units and the value of your fund units upon and after completion of the transfer will be included in the daily balance of your Manulife InvestChoice Account.

The simplified transfer process will automatically close your existing Manulife Funds* account(s) and, if applicable, terminate the related client agreement after all the fund units are successfully transferred into your Manulife InvestChoice Account.

You will receive paper confirmation(s) in regards to fund units transferred out of your Manulife Funds* account(s), and email notification(s) in regards to the successful transfer(s) of the fund units into your Manulife InvestChoice Account.

Manulife InvestChoice offers Monthly Investment Plan for you to invest in the funds of your choice every month. With a fixed total amount of subscription monies, you would purchase fewer fund units during a market rally, and purchase more units during down cycles, without the need to make a large lump-sum investment upfront. It helps reduce the average cost, manage risks, and save you the trouble of timing the market.

The minimum monthly subscription amount starts at HKD1,000 per class in a fund available to your account, subject to a minimum holding of HK$20,000 per class in a fund with risk level not higher than your risk profile.

Please refer to the fund fees page for details.

Please refer to the detail user guide here.

We will arrange electronic direct debit of the subscription amount from your Designated Bank Account on the 2nd Hong Kong Business Day of each month. The corresponding fund subscription will be made normally on the 7th Hong Kong Business Day of each month.

To change your Designated Bank Account or payment limit, please submit the Change of Record Form.

You will receive an email and SMS alert notifying you of the direct debit failure. Please note that a bank charge might be applied to the direct debit failure subject to the policy of your Designated Bank. The Monthly Investment Plan may be terminated after 3 consecutive direct debit failure.