Investments
Important Disclosure
Manulife Funds (including the Trust Pools) and Manulife Corporate Classes (including the Class Pools) are managed by Manulife Investment Management Limited (formerly named Manulife Asset Management Limited). Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts as well as the prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in share/unit value and reinvestment of all dividends/distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Manulife, Manulife Investment Management, the Stylized M Design, and Manulife Investment Management & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
Segregated fund contracts
What can segregated fund solutions offer you?
These flexible investment solutions can help you grow, protect, and transfer your wealth to the next generation.
Reap the benefits of Dollar-cost Averaging
Take advantage of fluctuating market prices with Dollar-Cost Averaging available in selected segregated fund contracts.
For a limited time only: benefit from an enhanced rate.
Important Disclosure
Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Returns shown are after the MER has been deducted. Performance histories are not indicative of future performance. For information on guarantees, fees and expenses that may apply to segregated funds, please read the Information Folder, Contract and Fund Facts of the segregated funds. The Manufacturers Life Insurance Company is the issuer of Manulife segregated fund contracts and the guarantor of any guarantee provisions therein.
Important Disclosure
Manulife ETFs are managed by Manulife Investment Management Limited (formerly named Manulife Asset Management Limited). Commissions, management fees and expenses all may be associated with exchange traded funds (ETFs). The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Investment objectives, risks, fees, expenses and other important information are contained in the ETF facts as well as the prospectus, please read before investing. ETFs are not guaranteed, their values change frequently and past performance may not be repeated.
Manulife, Manulife Investment Management, the Stylized M Design, and Manulife Investment Management & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
Asset allocation portfolios - mutual funds
Important Disclosure
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the fund facts as well as the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. The indicated rates of return are the historical annual compounded total returns assuming the investment strategy recommended by the asset allocation service is used and after deduction of the fees and charges in respect of the service. The returns are based on the historical annual compounded total returns of the participating funds including changes in share/unit value and reinvestment of all dividends/distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder in respect of a participating fund that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Asset allocation portfolios - segregated funds
Important Disclosure
Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Returns shown are after the MER has been deducted. Performance histories are not indicative of future performance. For information on guarantees, fees and expenses that may apply to segregated funds, please read the Information Folder, Contract and Fund Facts of the segregated funds. The Manufacturers Life Insurance Company is the issuer of Manulife segregated fund contracts and the guarantor of any guarantee provisions therein.
Private investment pools
Important Disclosure
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts as well as the prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in share value and reinvestment of all dividends and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. The rate of return shown is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the investment fund or returns on investment in the investment fund.
Private investment pools - segregated pools
Important Disclosure
Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Returns shown are after the MER has been deducted. Performance histories are not indicative of future performance. For information on guarantees, fees and expenses that may apply to segregated funds, please read the Information Folder, Contract and Fund Facts of the segregated funds. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein.
Guaranteed Interest Accounts (GIAs)
Introducing the power of two
Introducing contracts that offer two types of investment options: Guaranteed Interest Accounts (GIAs) and a range of segregated fund choices.
For advisors:
Access all the information you’ll need to promote GIAs. Get links to administration info, job aids, and more.
Segregated funds - GIF Select InvestmentPlus®
Important Disclosure
Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Returns shown are after the MER has been deducted. Performance histories are not indicative of future performance. For information on guarantees, fees and expenses that may apply to segregated funds, please read the Information Folder, Contract and Fund Facts of the segregated funds. The Manufacturers Life Insurance Company is the issuer of Manulife segregated fund contracts and the guarantor of any guarantee provisions therein.
Separately managed accounts (SMA)
Manulife Investment Management has provided expertise in sub-advising SMA portfolios for our financial partners and their clients since 2001. We believe SMAs offer a solution to financial advisors aiming to build portfolios that can be tailored to suit individual needs. SMA investors benefit from specialized investment teams and an institutional approach to investment management that utilizes disciplined and well-defined investment strategies. Backed by a global financial services leader, Manulife Financial, clients are provided with stability, a robust risk management framework and an international network of resources.
SMAs provide advisors with a customized and sophisticated approach to investing that is ideally suited to the high-net-worth market.
Highlights:
- Direct ownership of individual securities
- Typical minimum: $100,000
- Flexibility to transfer in/out individual securities
- Institutional-quality investment management
- Portfolio customization
- Unique tax planning advantages
Equity
Canadian Growth Dividend
The strategy’s objective is to provide superior dividend income and capital appreciation by investing in a diversified portfolio of high quality, high-yielding equity securities of Canadian companies. The strategy focuses on patiently investing in a concentrated portfolio of well-managed, often industry-leading companies adept at balancing earnings growth and cash flow generation.
Steve Bélisle
Patrick Blais
Canadian Large Cap Growth
We believe that long term outperformance is determined by the diligent application of both top down and bottom up investment analytics. Our approach integrates macro analysis and fundamental bottom up research, focusing on high quality large cap growth stocks.
Noman Ali
Canadian Small Cap Equity
We believe portfolio outperformance can be achieved by investing in companies with characteristics shown to be strong predictors of outperformance, that demonstrate improving fundamentals, and that have identifiable catalysts for change, which may not be fully appreciated by a wider audience of investors.
Luciano Orengo
Fundamental All Cap Core
We believe that quality companies with a sustainable competitive advantage and cash flow generation bought at the “right price” should outperform. Patience and a long-term investment horizon allows for the compounding of companies’ cash flows.
Sandy Sanders
Jonathan White
Fundamental Global Franchise
We believe that quality companies with a sustainable competitive advantage and cash flow generation bought at the “right price” should outperform. Patience and a long-term investment horizon allows for the compounding of companies’ cash flows. This is a globally-oriented, active equity strategy offering global diversification that seeks to achieve strong capital preservation in down markets and long-term value creation.
Sandy Sanders
Jonathan White
Fundamental Large Cap Core
We believe that quality companies with a sustainable competitive advantage and cash flow generation bought at the "right price" should outperform. Patience and a long-term investment horizon allows for the compounding of companies' cash flows.
Sandy Sanders
North American Dividend Income
We analyze all companies under the same fundamental proprietary lens, using a scalable and repeatable process. We believe that a portfolio that creates business value faster than a given benchmark and when assembled at a reasonable valuation will result in long-term outperformance.
Conrad Dabiet
Chris Hensen
Jonathan Popper
North American Equity
We believe that long term outperformance is determined by the diligent application of both top down and bottom up investment analytics. Our approach integrates macro analysis and fundamental bottom up research, focusing on high quality large cap growth stocks.
Noman Ali
US Dividend Income
We analyze all companies under the same fundamental proprietary lens, using a scalable and repeatable process. We believe that a portfolio that creates business value faster than a given benchmark and when assembled at a reasonable valuation will result in long-term outperformance.
Conrad Dabiet
Chris Hensen
Jonathan Popper
US Small Cap Core
We believe that profitable, high-quality companies provide superior risk-adjusted returns over the long term. We seek profitable niche small cap companies with improving earnings and solid balance sheets at attractive valuations.
Bill Talbot
Multi-Asset
Canadian Balanced Growth
We believe there are ‘pockets of value’ in the fixed income market. Thorough credit and curve analysis enables us to identify and exploit these ‘pockets’ in the pursuit of long-term returns, while minimizing downside risk. Within this conservative framework we apply our creativity to generate innovative investment ideas and develop state of the art portfolio management techniques.
Noman Ali
Roshan Thiru
North American Dividend Income Balanced
We analyze all companies under the same fundamental proprietary lens, using a scalable and repeatable process. We believe that a portfolio that creates business value faster than a given benchmark and when assembled at a reasonable valuation will result in long-term outperformance.
Chris Hensen
Roshan Thiru
Tactical Balanced
The strategy involves investing in various fixed income and equity asset classes on a tactical basis, over/under-weighting certain asset classes, securities, sectors or industries based on top-down, macro-economic views established by the team. Focusing on high quality, high-yielding equities, the strategy is able to adopt high conviction portfolios, increasing/decreasing its weightings to asset classes based on shorter term outlooks or opportunities. The tactical component of the strategy includes the use of Exchange-Traded Funds (ETFs).
Steve Bélisle
Roshan Thiru
Fixed Income
Canadian Bond
We believe there are ‘pockets of value’ in the fixed income market. Thorough credit and curve analysis enables us to identify and exploit these ‘pockets’ in the pursuit of long-term returns, while minimizing downside risk. Within this conservative framework we apply our creativity to generate innovative investment ideas and develop state of the art portfolio management techniques.
Roshan Thiru
Corporate Bond
We believe there are ‘pockets of value’ in the fixed income market. Thorough credit and curve analysis enables us to identify and exploit these ‘pockets’ in the pursuit of long-term returns, while minimizing downside risk. Within this conservative framework we apply our creativity to generate innovative investment ideas and develop state of the art portfolio management techniques.
Roshan Thiru
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Annuities
Manulife Annuities can form an important part of a balanced income portfolio by taking the guesswork out of investing.
Unlike other income‑producing investment options like bonds or Guaranteed Investment Certificates (GICs), an annuity can guarantee income for your entire life.
An annuity can help:
- Reduce the need for ongoing investment decisions
- Take the worry out of market volatility impacting your income
What is an annuity?
In exchange for a single lump‑sum investment, an insurer makes guaranteed regular income payments to an individual that contain both interest and a return of principal. Annuity payments can continue for a chosen period of time or the lifetime(s) of one or two people.
Payment guarantee options are available to ensure that a minimum amount is paid out of the annuity. In the event of the death of all annuitants, if the minimum amount has not been paid out, the remaining amount will be paid to the spouse or other designated beneficiaries.
In addition, non‑registered annuities can offer certain tax advantages. Because the interest income can be averaged over the lifetime of the annuity, there may be an attractive element of tax deferral (some conditions apply).
How is annuity income determined?
The amount of income provided by an annuity is determined at the time of purchase. The guaranteed payment amount will generally depend upon the:
- Amount of money invested
- Person's age and sex
- Interest rates at the time of purchase
- Type of annuity – life or term certain
- Length of time that annuity payments are to be guaranteed
- Income deferral – the time period between the purchase date and when the income starts
Life annuities
A single life annuity provides a pre‑determined income for an individual during the life of the annuitant. When the annuitant dies, the contract terminates unless there are remaining guaranteed payments. Any remaining guaranteed payments would then be made to the named beneficiaries.
A joint and survivor life annuity is designed to cover the lives of two individuals – a primary annuitant and a secondary annuitant (usually spouses). Income is generally paid to the primary annuitant. Upon their death, the secondary annuitant continues to receive that income for their lifetime. In addition, the initial income payment amount can be reduced.
Life annuity options
At Manulife, we understand that every client has unique needs. That's why we offer a range of options to customize your life annuity to meet your specific requirements.
Prescribed taxation
Prescribed taxation
Non‑registered annuities that qualify for prescribed taxation can benefit from some tax deferral. A prescribed annuity has a level (fixed) payment that is a blend of capital and interest that remains the same for the life of the contract. This allows the taxable interest earned on the contract to be spread evenly over the expected life of the annuity. Both Single and Joint and Survivor Life Annuities can be prescribed. See the Annuity Taxation section for more information about prescribed annuities.
Indexing
Indexing
An annuity can be indexed, which offers a fixed annual percentage increase to payments to help guard against inflation. An annuitant will receive lower income payments in early years in exchange for higher income payments in later years. Indexing is not permitted for prescribed annuities.
Income deferral
Income deferral
An annuity income does not have to start immediately. You can lock in a guaranteed income amount at purchase that can start up to 15 years in the future (some conditions apply). In addition, you can select a Return of Premium option to guarantee that beneficiaries will receive 100% of the amount invested if the annuitant dies before the payment start date.
Payment frequency
Payment frequency
You can elect to receive payments monthly, quarterly, semi-annually, or annually, subject to minimum payment amounts.
Payment guarantees
Payment guarantees
You can choose a payment guarantee to ensure a minimum amount is paid out of the annuity to you or your beneficiaries in the event of the annuitant's death*. In general, choosing a payment guarantee will decrease the dollar amount of the income payments.
Principal protection – This option (also known as a cash refund guarantee) ensures that in the event of the annuitant's death*, a beneficiary will receive a lump‑sum payment equal to the difference between the total payments received and the original investment amount.
Guarantee period – You can select from a minimum of 3 to 30 years of guaranteed payments to ensure a specific minimum amount is paid from the annuity (some restrictions apply). This will ensure your estate and/or beneficiaries continue to receive income payments (or a commuted value**) in the event of the annuitant's death* during the guarantee period. The amount guaranteed can be less or more than the original premium.
* Or the death of the last surviving annuitant in the case of Joint and Survivor Life Annuity policies.
** Commuted Value: If, after the death of the annuitant(s), any guaranteed payments remain, the beneficiaries may choose to continue to receive the payments or to take a lump sum payment (a commuted value). The owner may choose to make any remaining payments non‑commutable, and the beneficiaries will then continue to receive the remaining income payments. Mandatory commutation for registered contracts and elected commutation will result in less than the full value being received.
Term certain annuities
Term certain annuities provide investors with guaranteed, regular income for a specific period of time. Once this period is over, income payments cease, and the annuity contract ends. If the annuitant dies before payments are scheduled to end, payments will continue to the beneficiaries until the specified period has expired.
Term certain annuity options
The following options are available to customize your Manulife Term Certain Annuity.
Prescribed taxation
Prescribed taxation
Non‑registered annuities that qualify for prescribed taxation can benefit from some tax deferral. A prescribed annuity has a level (fixed) payment that is a blend of capital and interest, which remains the same for the life of the contract. This allows the taxable interest earned on the contract to be spread evenly over the expected life of the annuity. See the Annuity Taxation section for more information about prescribed annuities.
Indexing
Indexing
An annuity can be indexed, which offers a fixed annual percentage increase to payments to help guard against inflation. An annuitant will receive lower income payments in early years in exchange for higher income payments in later years. Indexing is not permitted for prescribed annuities.
Income deferral
Income deferral
An annuity income does not have to start immediately. You can lock in a guaranteed income amount at purchase that can start up to 15 years in the future (some conditions apply). In addition, you can select a Return of Premium option to guarantee that beneficiaries will receive 100% of the amount invested if the annuitant dies before the payment start date.
Guarantee period
Guarantee period
With a Term Certain Annuity, an annuitant is guaranteed to receive payments for the entire term selected, from 3 to 30 years (some restrictions may apply). This will ensure your estate and/or beneficiaries continue to receive income payments if the annuitant dies before the end of the term.
Payment frequency
Payment frequency
You can elect to receive payments monthly, quarterly, semi-annually, or annually, subject to minimum payment amounts.
Annuity taxation
Annuities are a popular investment option for those looking to secure their financial future. However, like any other investment, they are subject to taxation. The taxation of annuities depends on whether they are purchased with registered or non-registered funds.
Registered annuities
Annuities purchased with RRSP, Locked‑in RRSP, LIRA, RRIF, LIF, LRIF, RLIF, PRIF, RPP, or other pension funds are registered annuities. For registered annuities, all annuity income paid out in a calendar year is taxable to the owner in the year the payments are received.
Non-registered annuities
Annuities purchased with non-registered funds, the owner is taxed on the income in the year they receive it, but only a portion of each income payment is taxable. There are two different tax treatments for non-registered annuities: prescribed or accrual.
With prescribed taxation, the taxable portion of each payment remains the same over the life of the annuity contract. This benefit can help provide the owner with some tax deferral.
To qualify for prescribed taxation, certain conditions must be met. Speak to your advisor for a complete list of qualifying criteria.
With non-prescribed (accrual) taxation, the taxable portion of each payment is determined annually based on the income earned since the previous policy anniversary date. Typically, the taxable portion of each payment will be larger in the initial years of the annuity contract and will decrease gradually with each passing year.
Manulife is dedicated to helping you secure your financial future with a range of annuity options that provide a guaranteed income stream.
Our customized annuity solutions are designed to meet your goals, allowing you to enjoy peace of mind and financial security. With Manulife, you can trust that you are partnering with a company with a long-standing reputation for excellence and expertise in the financial market.
For more information, speak to your advisor.