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  • Must be at least 9 characters long
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  • New passwords fields must match

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Your account phone number has been changed successfully

MPIP Investment Pools

Manulife Private Investment Pools deliver essential benefits of sophisticated, institutional - style investing. They are offered by a trusted global financial institution and guided by the knowledge and conviction of quality investments teams. All with the flexibility and value to enhance your practice and meet the needs of today's affluent investors.

Overview

MPIP Investment pools help investors with significant assets realize more value. This exclusive program considers all of the investment accounts within your household and MPIP Investment Pools deliver everything you would expect from an investment program, including management fee reductions and tax efficiency. In addition, you can realize this value while continuing to work with the advisor you know and trust.


Key features and benefits

Household account-linking

A household balance is determined by combining and linking all of the assets of the pools held within your household. These accounts can include your spouse¹ and other family members residing at the same address. It can also include corporate accounts where a qualifying household member beneficially owns more than 50 per cent of the corporation’s voting equity.

Management Fee Reductions (MFRs)

MPIP Investment Pools reward higher investment amounts with lower management fees. They include household account-linking, which combines all of the account balances in a client’s household to potentially qualify for an even greater Management Fee Reduction.If the aggregated household assets invested in the pools exceed $250,000, every account within the household benefits from the MFR.

Management Fee Reductions*

 

Account/household value - Tier 1

Account/household value - Tier 2

Account/household value - Tier 3

Account/household value - Tier 4

Account/household value - Tier 5

Category

$250K+ TO $499,999

$500K+ TO $999,999

$1M+ TO $4.9M

$5M+ TO $9.9M

$10M+

All Qualifying Investments**

2.5 basis points

5 basis points

7.5 basis points

10 basis points

12.5 basis points

*Management Fee Reduction rates that are listed do not include applicable HST. A basis point (BPS) is a unit that is equal to 1/100th of 1 per cent, and is used to denote the change in a financial instrument. The basis point is commonly used for calculating changes in interest rates, equity indexes and the yield of a fixed-income security. Plus applicable HST (Series level).
**Management Fee Reductions can be applied to Manulife mutual funds, Manulife private mutual funds and Manulife Private Investment Pools; these are known as “qualifying investments” offered by simplified prospectus or confidential offering memorandum and subject to the eligibility requirements described therein.

Tax efficiency through corporate class

The MPIP Investment Pools in corporate class structure provide three distinct ways to help pay less or defer tax on non-registered investments:

  1. Tax-efficient growth and income
    In a mutual fund corporation, income and expenses of each individual corporate class is grouped together rather than being reported and taxed separately. This enables corporate class pools to share losses, expenses and loss carry forward amounts to reduce or defer taxable distributions generated by the corporation as a whole – this helps non-registered investors defer taxes and increase their investments’ growth. When corporate class distributions are made, they tend to be more tax efficient than distributions from traditional mutual fund trusts. This is because pools that are in corporate classes can only distribute ordinary Canadian dividends and capital gains dividends, both of which are taxed at a more favourable rate than fully taxable income such as interest or foreign income.
  2. Tax-efficient cash flow using Series T 
    The pools can be purchased as Series T shares for those investors who would like to receive a regular monthly cash flow3, which generally consists of return of capital (ROC), from their investments. The ROC is tax-free and it will lower the adjusted cost base (ACB) of the class pool shares. Once all of the investor’s capital has been returned, subsequent ROC cash flows will be treated as capital gains and taxed at a favourable rate.

Manulife Dollar-Cost Averaging Fund

If you are concerned about the current state of the financial markets and wondering about the right time to invest, Manulife Private Investment Pools has a solution for you to consider. The Manulife Dollar-Cost Averaging Fund* can provide investors with a systematic approach to investing in the markets over time, and a competitive rate of return equivalent to the interest rate offered by the Manulife Bank Investment Savings Account.

How the Manulife Dollar-Cost Averaging Fund works

You and your advisor choose which Manulife Private Investment Pool(s) you would like to switch into, systematic weekly switches from the Manulife Dollar-Cost Averaging Fund will be made over a one year period.

Each switch will be a fixed amount based on your original investment into the Manulife Dollar-Cost Averaging Fund.

While in the Manulife Dollar-Cost Averaging Fund you…

Receive a rate of return of 2.75% annualized on the assets remaining in the Manulife Dollar-Cost Averaging Fund**

  • Pay no MER on any balance held within the Manulife Dollar-Cost Averaging Fund³
  • The minimum investment amount for the Manulife Dollar-Cost Fund is $100,000.

The Manulife Dollar-Cost Averaging Fund is available with a broad selection of Manulife Private Investment Pools, including tax-efficient corporate classes for non-registered accounts, to choose from.

Using the dollar-cost averaging approach, you will have fixed amounts of your entire initial investment allocated into your pre-selected Manulife Private Investment Pool(s), including interest earned in the Manulife Dollar-Cost Averaging Fund, over the course of 52 weeks.

Benefits

The “dollar-cost averaging” process may reduce the risk associated with timing a single lump sum investment by diversifying the time at which you purchase funds over a one year period. Provides a very competitive rate of return as a short-term investment solution while investors move back into the markets. Rate of 2.75% effective February 6, 2023.


Our investment pools

MPIP Investment Pools consist of 14 investment pools that provide access to balanced and fixed income asset classes, as well as global opportunities. They offer broad investment choices to help meet financial goals for growth, wealth preservation or income. The six corporate class pools are designed for taxable investors who contribute the maximum amounts to registered plans and have additional funds to invest in non-registered plans.


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1 The term spouse includes common-law partner as these terms are defined by the Income Tax Act (Canada). 2 Distributions are not guaranteed. 3 The Manager pays all of the operating expenses for the Manulife Dollar-Cost Averaging Fund, other than commissions and brokerage fees. 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. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated. 4 Formerly Manulife Balanced Private Trust.

*Also available in Series F.

**The Manulife Dollar-Cost Averaging Fund will provide a rate of return of 2.75%  (annualized) effective as of February 6, 2023.

MPIP Investment Pools: Manulife Funds (including the Trust Pools) and Manulife Corporate Classes (including the Class Pools) are managed by Manulife Investments, a division of 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. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.