Manulife Empower Solutions

The Manulife Empower Solutions are a range of fund solutions used in a glide path approach to retirement planning, specially designed for investors of all age groups – from 25- year-olds who are embarking on their careers to 75-year-old retirees who want the assurance their investments can potentially provide for them for life.

• Adaptable Solution
  Whether you are 25 or 75 years old, they are designed to adapt to your specific profile and risk objectives etc, with personalisation and flexibility built in.
• Active management and advisory
  They are actively managed by an experienced multi-asset solutions team from Manulife Investments, with active personalised advice from your Maybank Relationship Manager.
• Awareness of risk and income needs
  They embed risk awareness via active portfolio management and responsiveness to your risk profile, while aiming to meet your income needs “to and through” retirement.

It is a guide to portfolio rebalancing geared towards retirement, where the strategic (long-term) asset allocation typically shifts from higher risk to lower risk as one ages.

Our specially designed baseline glide path allocation for the Manulife Empower Solutions aims to minimise longevity risk and shortfall risk for a typical investor profile.

An investor may opt to follow the baseline glide path allocation, which is a pre-constructed and rigorously-tested combination of the Manulife Empower Solutions, based on years to retirement for a typical investor profile. The baseline glide path allocation will change with an investor's life phase, catering to changes in his/her investment horizon, risk appetite, etc.

For example, the baseline glide path allocation for a 40-year-old investor may be 80% in Growth/20% in Moderate, and the allocation adjusts to 80% in Conservative/20% in Income at age 60.

This publication is prepared on a general basis for information only. It does not have regard to the specific investment objectives, financial situation and particular needs of any specific reader or recipient. You should read the prospectus and seek advice from a financial adviser before investing in the fund(s) described in this publication (“Fund(s)”). If you choose not to seek advice from a financial adviser, you should consider whether the Fund(s) is/are suitable for you. The value of the shares of the Fund(s) and the income accruing to them, if any, may fall or rise. The Fund(s) may use financial derivatives, which entail specific risks as described in the prospectus. Any past performance, prediction or forecast is not indicative of future or likely performance. Any past payout yields and payments are not indicative of future payout yields and payments. Dividend payments (if any) of the Fund(s) are not guaranteed and actual dividend payments may be higher or lower than the potential dividend, and may be zero. Where distributions (if any) are declared in accordance with the prospectus, this may result in an immediate reduction of the net asset value per unit in the Fund(s). Views expressed are subject to change at any time without prior notice, and this publication cannot be construed as an advice or recommendation, nor is it intended as an offer to sell or a solicitation of an offer to invest in the Fund(s). This publication has not been reviewed by the Monetary Authority of Singapore. This publication is prepared by MIMSG, the representative for the Fund(s). Maybank makes no representation and/or warranty as to the accuracy or completeness of the information presented in this publication for any particular purpose and it should not be relied upon as such. Maybank expressly disclaims any obligation to update or revise any part of this publication to reflect new information, events or circumstances after the date of this publication or to reflect the occurrence of unanticipated events.

In this publication, “MIMSG” means Manulife Investment Management (Singapore) Pte. Ltd. (UEN: 200709952G) and “Maybank” means Maybank Singapore Limited (UEN: 201804195C). “Manulife”, “Manulife Investments” and the Manulife logo are trademarks of Manulife. “

This advertisement has not been reviewed by the Monetary Authority of Singapore.