DECEMBER 2013

Retirement PlanningManulife Income Series

Manulife 3G (I)

ManuRetire Secure (I)

Manulife Gives BackMovember 2013

Find us on

Special FeatureManulife Investor Sentiment Index

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Message from the CEO

Dear Manulife Clients,

As 2013 comes to an end, Manulife Singapore is pleased to bring you, our valued clients, the accomplishments and activities we have achieved for you.

Manulife surveys Singaporeans every quarter with the Manulife Investor Sentiment Index (MISI). The survey results show that Singaporeans will face a huge retirement gap in their golden years. It is deemed as the top financial priority for Singaporeans - even in young age groups. The Q3 2013 survey showed that 1/3 of Singaporeans have no retirement plan. Read more about the survey findings in this issue of ManuReach.

To address the needs of Singapore’s ageing population, Manulife has introduced a suite of financial solutions in 2013 that aims to provide regular income streams. ManuRetire Secure is the first investment-linked plan in Singapore that guarantees the value of a client’s investment at 80% of the fund’s highest historical Unit Price. The Manulife Income Series has three funds, each designed to provide monthly payouts that act as a steady stream of income. Find out more about these retirement solutions

over the next few pages. In conjunction with the research and product solutions, Manulife also launched a retirement campaign to educate consumers and create awareness on the need to plan for retirement.

At Manulife, we see a need to continue educating Singaporeans. Many have the tendency to plan for other short-term financial priorities and leave retirement planning till later. Hence our retirement campaign, retirement micro website and calculator, articles and seminars provide a wealth of information to educate and raise awareness with our self-help tools.

I would like to wish you all the best for the festive season and a fantastic 2014! Hope you enjoy this edition of ManuReach!

Warmest Regards,

Annette King President & CEO Manulife (Singapore) Pte. Ltd.

Annette King

Onto Manulife’s third year supporting Movember, the worldwide phenomenon where men across the world grow a moustache with the aim of raising vital funds and awareness for men’s health issues during the month of November; activities this year included a Movember Movie & Fun Day to raise funds for the Singapore Cancer Society.

Matthew Kang from our team collected the most funds in Singapore with $10,058!

The Mo Brothers at Manulife were also glad to be part of Movember, raising a total of $18,330 clinching 3rd place in Singapore.

“We’re extremely proud of all who participated in Movember, however there are some who have gone above and beyond. Matthew Kang is the highest individual fundraiser in Singapore raising over SGD$10,000 for the Singapore Cancer Society. We would like to commend Matthew for being a fine Mo Bro and for his generous contribution to the cause.”

- Mr Greg Rafferty, Movember Asia Manager

Movember: Movie & Fun Day

Manulife arranged an early Mid-Autumn celebration with over 100 corporate staff & agents from various branches – together with Manulife Singapore’s CEO, Ms Annette King distributing goodie bags that contained rice, biscuits, cereals, and boxes of mooncakes to the elderly folks.

Festive Cheers to the Elderly

Cheers and merriment were served at the dinner table when over 40 volunteers mingled with 120 elderly participants over a 10-course dinner treat and a karaoke contest that featured contestants from Asia Women’s Welfare Association (AWWA).

Manulife celebrates Dumpling Festival with AWWA

Manulife Singapore believes in the importance of giving back to the community.

Manulife gives back

Singaporeans will face a major retirement funding shortfall if they don’t make big changes to their savings strategies and behaviour. They tend to face the prospect of having to work in so-called retirement and risk downgrading their lifestyles, according to the latest Manulife Investor Sentiment Index survey*.

Many risk lifestyle downgrade as only 11% of those surveyed said they are certain of being able to afford a comfortable retirement, although 41% believe they are ahead of schedule or on track to achieve their financial goals.

“Singaporeans are living comfortably and have come to treasure their travel plans. Many don’t want to backtrack when they retire. That’s why it’s important to put your

money to hard work because inflation can erode the value of your savings. There is more to planning for retirement than the cash you save from your monthly income,” said Ms. Annette King, President & CEO of Manulife Singapore.

Jill Smith, Senior Managing Director for Manulife Asset Management Singapore, added: “Investors need to think about investing in a way that will continue to provide returns and generate income after they have retired. Investors can look to the wider Asian markets, which we believe are supported by strong economic fundamentals. Building a well-diversified investment portfolio can help enhance returns and mitigate market-specific risk factors, potentially improving retirement income security.”

*Manulife’s Investor Sentiment Index (Manulife ISI) in Asia is a quarterly proprietary survey measuring and tracking investor’s views across seven markets in the region on their attitudes towards key asset classes and investment vehicles. Research was conducted between middle of August and September 2013.

Important Notes and Disclaimer:This newsletter is for information and general circulation only. It does not have regard to your specific investment objectives, financial situation and any of your particular needs. It should not be construed as an offer, advice or recommendation to purchase financial products. Consumers who are interested in financial products should seek advice from a Manulife Financial Planner or qualified financial adviser representative before making a commitment to purchase any plan.

Retirement a False Hope for Singaporeans?Serious Funding Shortfall a Reality.

“There is more to planning for retirement than the cash you save from your monthly income”

SPECIAL FEATURE

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Take control ofyour retirement

RETIREMENT PLANNING

It is relatively easy to overlook the importance of retirement because the future may still seem far away. However, everything that you want for a third-age lifestyle can be within your grasp if you put enough thought into your retirement planning. To be financially independent, you need to plan carefully and start saving early so that your money can work harder for you.

Visit our YouTube page for more. www.youtube.com/ManulifeSG1980

Learn more about retirement concerns

Find out how to plan a comfortable retirement

A realistic retirement plan is important. To be better-prepared for your retirement, you need to:

Start Retirement Planning Early to take advantage of the effects of compounding.

Make Use of the Supplementary Retirement Scheme (SRS) You also benefit from tax relief.

Participate in CPF Life To cater to your basic retirement needs.

Seek Investment Growth To combat inflation.

Create a Regular Stream of Income Through investment and insurance.

Ensure Comprehensive Coverage at Retirement Through MediShield, ElderShield and private insurance schemes.

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MANULIFE INCOME SERIESProviding a regular income to cater to your retirement needs

The Manulife Income Series is a series of investment-linked policy sub-funds that seek to provide investors a regular monthly income. The series of funds target to meet the income needs of today’s retirees and those investors seeking a passive income by investing in various asset classes.

STRATEGIC INCOME FUND

Taking advantage of bonds with different characteristics to capture investment opportunities in different market environments, this is the second offering in the Manulife Income Series of funds and managed by Manulife Asset Management (Singapore) Pte. Ltd. This is a multi-sector, global bond fund that invests in both higher quality and lower rated bonds. The fund targets to pay 4.2* cents (SGD) per unit per annum or 0.35* cents (SGD) per unit per month.

SINGAPORE FUND

Leveraging on the strong fundamentals of the Singapore economy, the Manulife Income Series - Singapore Fund is a balanced fund that invests in both Singapore Equities as well as Singapore Bonds. Seeking to provide medium to long term capital appreciation and income, the fund primarily invests 60% into the Manulife Funds - Manulife Singapore Bond Fund and 40% into the Manulife Funds - Manulife Singapore Equity Fund which are managed by Manulife Asset Management (Singapore) Pte. Ltd. The fund targets to pay 3.6* cents (SGD) per unit per annum or 0.3* cents (SGD) per unit per month.

ASIAN BALANCED FUND

Seeking to capture the strong growth potential of Asia, this third offering in the Manulife Income Series of funds is managed by Schroder Investment Management (Singapore) Limited. The fund invests all or most of its assets into the Schroder Asian Equity Yield Fund and the Schroder Asian Investment Grade Credit with target asset allocations of 60% and 40% respectively. The fund targets to pay 3.6* cents (SGD) per unit per annum or 0.3* cents (SGD) per unit per month.

FINANCIAL PRODUCTS

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MANURETIRE SECURE (I) ManuRetire Secure (I) is a single premium investment-linked plan designed to allow you to benefit from the potentially inflation beating performance of equities while providing you with income for retirement. It secures the Guaranteed Value of your investment at 80 percent of the fund’s (Manulife Octave SGD Tracking Fund) highest historical Unit Price. ManuRetire Secure (I) lets you grow your assets while providing 80 percent downside protection against investment fluctuations. Hence, you are protected during severe market downturns while benefiting from potential gains in a market upturn.

After the initial investment, you may make investment top-ups and you can also access your investment anytime for your liquidity needs. You can also choose to receive a lump sum or regular stream of income for your retirement over your selected Payout Period of 10, 15 or 20 years.

MANULIFE 3G (I)Manulife 3G (I) is a life insurance product that acts as an annuity. It provides guaranteed payouts and growth potential with just 10 years of premium payment to a legacy that lasts for generations. Be it to fulfill your dreams of yearly indulgence or a legacy for your child and grandchild, you can achieve them all by investing a decade and reap for generations.

FINANCIAL PRODUCTS

Important Notes and Disclaimer:* There is no guarantee, assurance and/or certainty that any distribution will be made and if distributions are made, such distributions are not in any way a forecast, indication or projection of the future or likely performance/distribution of the funds. The making of any distribution shall not be taken to imply that future distributions will be made. Manulife (Singapore) Pte. Ltd. may also vary the frequency and/or the amount of the distributions made. When distributions are declared and paid out (including out of capital) with respect to any fund, the net assets of the fund will reduce by an amount equivalent to the distributions declared. This will be reflected as a reduction in the unit price. The cash payouts are subject to satisfying the minimum payout amount as well as terms and conditions. Otherwise, the distribution will be reinvested as additional units in the fund.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value (if any) payable may be less than the total premiums paid. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units and any income accruing to the units, if any, may fall or rise.

Past performances of any fund or fund manager is not necessarily indicative of future or likely performance of the fund or fund manager. All terms and conditions are set out in the policy contract, product summary, fund summary booklet and product highlights sheet (where applicable). You should read the applicable product summary, fund summary booklet and/or product highlights sheet in full before making a commitment to purchase any policy. A copy of the product summary, fund summary booklet and product highlights sheet may be obtained from a Manulife Financial Planner or any appointed distributor.

Manulife policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Cover for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife (Singapore) Pte. Ltd. or visit the Life Insurance Association or SDIC websites (http://www.lia.org.sg/ or http://www.sdic.org.sg/).

Policy Inception

Premium Paying Term10-Year

Yearly withdrawal of

from end of 10th policy year

COUPONS

You continue to receive

for a lifetime

COUPONS

Sum Insured + accumulated reversionary bonus (if any)

payable to beneficiary

$$$

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