Investments

Consider the Manulife Advantage:

• Security of an Industry-leading Guarantee
  Each of your seg fund investments is entitled to unique guarantees. At a minimum, Manulife guarantees that you will receive no less than 75% of your deposits, proportionately reduced for withdrawals, on the chosen maturity date for your investment. Beyond this, many of our seg funds carry an exceptional Stock Market Guarantee®. The Automatic Daily Reset feature of this Stock Market Guarantee is updated automatically each day to lock in market gains whenever there are ten or more years to the policy's maturity date. This guarantees that, regardless of market performance on your chosen maturity date, you will receive no less than 100% of your market gains achieved up to the period ending ten years prior.
  
  
• Death Benefit Guarantee
  Manulife provides a Death Benefit Guarantee that ensures that your beneficiaries will receive no less than 100% of your deposits made up to age 76, reduced proportionately for withdrawals. The percentage applied to your deposits made after age 76 falls by 5% per year until it reaches 80% at age 80. It remains level thereafter.
  
  
• Creditor Protection
  Our segregated funds are subject to the Insurance Act of your province. A benefit of all segregated funds is that they may provide protection from the claims of creditors. Provincial legislation stipulates that provided you name a beneficiary in a preferred family class (say, your spouse, child, grandparent or parent) or irrevocable beneficiary, your financial interests in the insurance contract may be exempt form the claims of creditors. We strongly recommend that your consult your lawyer on the subject of creditor protection.
  
  
• Preserve the Value of your Estate
  Seg funds can serve as an effective tool for preserving the value of your estate. When you invest in seg funds, you can name a beneficiary who will receive the proceeds of your investment in the event of your death. With a named beneficiary, investments in a seg fund bypass the delays and expenses of probate - the process whereby a court confirms your will. While probate fees can vary by province and the size of your estate, they can be significant. By investing in Manulife seg funds, you have the assurance that your loved ones will get the full value of their inheritance.
  
  
• Tactical Asset Allocation
  Each Synchrony Fund is actively diversified across all asset classes for optimized performance results, tilting towards the asset class that offers the best potential to enhance returns. An effective combination of tactical asset allocation expertise, seg fund experience and unique guarantees, Synchrony Funds are a powerful investment tool characterized by diversification and simplicity, and backed by Manulife's industry-leading Stock Market Guarantee®.

PERFORMANCE. SECURITY. CHOICE. GUARANTEED.

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