The Manufacturers Life Insurance Company
The Manufacturers Life Insurance CompanyThe Manufacturers Life Insurance Company (“Manulife”) is the issuer of the Manulife GIF and Manulife GIF encore insurance contracts and the guarantor of any guarantee provisions therein.
Fund Facts
Manulife Guaranteed Investment Funds (GIF)Manulife Guaranteed Investment Funds encore (GIF encore)Segregated Fund Solutions
Effective July 2, 2021
Performance as at December 31, 2020
This GIF and GIF encore contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore contract.
The Manufacturers Life Insurance Company (“Manulife”) is the issuer of the Manulife GIF and Manulife GIF encore insurance contracts and the guarantor of any guarantee provisions therein.
How to read the Fund Facts: Manulife Segregated Funds
1. Fund name: This is the full name of the segregated fund within your contract.
2. Date fund available: This is the date on which the fund was first made available in your contract. It is also the date from which we measure performance.
3. Date fund created: This is the date on which the fund became available for sale in other Manulife segregated fund products. This date may be older than the Date Fund Available as the fund may have been previously offered under another Manulife segregated fund contract.
4. Fund manager/Underlying fund manager: This is the name of the fund management company that manages the fund or the underlying fund.
5. Total units outstanding: This is the total number of units outstanding for all classes of the fund.
6. Total fund value: This is the total market value for all classes of the fund’s assets.
7. Portfolio turnover rate: This is a measure of how frequently assets within the fund are bought and sold. A portfolio turnover rate of 100% is equivalent to the fund buying and selling all of the holdings in its portfolio once in the course of the year.
8. Guarantee option: This section lists the guarantee options available within the contract.
9. Minimum investment: This is the minimum initial deposit amount required.
10. Management Expense Ratio (MER): MERs include all expenses of the segregated fund such as the management fee, insurance costs, operating costs and applicable sales tax. There is no duplication of fees from the underlying pooled funds, unit trust, mutual funds or other investment funds. If the fund was launched after the Performance Date, the MER is an estimate for the current year and is subject to change.
11. Management Fee: The management fee of a fund is calculated and accrued on a daily basis and paid to Manulife for the management of the fund and guarantee costs. You do not directly pay for the management fees as they are paid by the fund.
12. Net asset value per unit: The value of each unit in the fund as at the date shown. The total market value of the fund’s assets, minus their liabilities, divided by the number of units outstanding.
13. Units outstanding: This is the total number of units outstanding for the Sales Charge Option.
14. What does this fund Invest in?
• Underlying Fund: The underlying investments of the fund may be units of pooled funds, unit trust, mutual funds or other investment funds. When a transaction (e.g. deposit or withdrawal) is made in a fund, the transaction will purchase or redeem units of the underlying fund that corresponds to the fund. For example, if you purchase units of the Manulife Bond segregated fund, the fund invests in units of the Manulife Bond mutual fund. Each fund may also contain a small cash component in addition to the underlying investment. The goal of the fund-on-fund strategy is to produce returns consistent with, and based on, the underlying fund.
• T op 10 Investments: This lists the top 10 investments of the fund or the underlying fund. It is listed beginning with the highest weighting to the lowest. The holdings may change due to ongoing portfolio transactions. The total number of investments of the (underlying) fund will be listed at the bottom of this section. If you would like more current information, please refer to our website at www.manulifeim.ca.
• Investment Segmentation: This pie chart represents the breakdown of the fund’s investment portfolio by investment type.
15. Are there any guarantees? This states that guarantees are provided under this contract.
16. Who is this fund for? This states a general description of the type of investor the fund would be suitable for.
How to read the Fund Facts: Manulife Segregated Funds
17. How has the fund performed?
• Average Return: This states how much a $1,000 investment in the fund would be worth when the most basic guarantee option was chosen and the average annual return as a percentage for the years shown. For any fund with less than one-year history, the information is not provided due to insufficient segregated fund history.
• Year by Year Returns: This chart shows you the fund’s annual performance. Each bar shows in percentage terms how much an investment made on January 1 would have changed by December 31 in that same year. For any fund with less than one-year history, the graph is not provided due to insufficient segregated fund history.
18. How risky is it? The risk rating measures a fund’s fluctuation in monthly returns. A fund with high risk has experienced larger fluctuations of monthly returns than a fund with low risk. While higher risk funds may be more volatile in the short term, over the long term (10 years or more) a higher risk fund will generally earn more than a lower risk investment. Generally, the greater the return you want to earn on your investments, the greater risk you have to assume. This increased gain is what investors expect in exchange for assuming the higher risk of these volatile investments. You can use the overall risk rating for each investment option to choose the investments that fit with your investment strategy.
19. How much does it cost? This describes the fees and expenses to buy, own and sell units of the fund.
• Sales Charges: This shows the percentage amount of any sales charge options and a description for each of how they work.
• Ongoing fund expenses: This describes the MER for the fund and any additional charges for different guarantee options.
• Fund Fee Rate (will only be displayed if applicable): This is a separate guarantee fee applicable to specific products and/or Series.
• Trailing commission: This describes the ongoing commission paid to your advisor while you hold the fund.
20. What if I change my mind?: This section outlines details on when you can change your mind and what to do if you change your mind.
21. Objective and Strategy: This section describes the investment objective and strategy of the segregated fund. For segregated funds that invest directly in an underlying fund, please see the underlying fund Prospectus (available on request) for the complete objective and strategy of the underlying fund.
22. �Information�specific�to�Elite/F-Class/Professional�Service�Fee/Platinum�sales�charge�options: Some products may have alternative sales charge options that offer reduced fees. These sales charge options will be included in this section, which will outline any of the fund related information that differs from the standard sales charge options of the fund (listed on pages 1 and 2 of each Fund Facts).
Performance as at December 31, 2019
Fund Facts — GIF Select
Manulife Bond GIF Select
Quick FactsDate Fund Available: October 2010 Underlying Fund Manager: Manulife Investment Management Limited Total Fund Value: $185,627,348Date Fund Created: October 2010 Total Units Outstanding: 16,718,581 Portfolio Turnover Rate: 8.17%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
InvestmentPlus 2,500 2.11 1.62 11.7906 1,868,672
IncomePlus 25,000 2.12 1.62 11.0970 106,010
EstatePlus 10,000 2.11 1.62 11.7906 381,764
Contracts opened on or after October 28, 2013 will not have access to funds in the IncomePlus Series unless it is a sale resulting from a transfer from an existing contract that holds the IncomePlus Series. EstatePlus Series only available to clients with GIF Select contracts opened on or before May 13, 2016. For information on F-Class and Elite sales charge options, refer to page 3.
What does the fund invest in? How has the fund performed?This Segregated Fund invests in the Manulife Bond Fund. The underlying mutual fund This section tells you how the fund has performed over the past 9 years for a invests primarily in Canadian fixed income investments. contractholder who has chosen InvestmentPlus Series. Returns are after the MER
has been deducted.Top 10 investments (of the underlying fund) It’s important to note that this doesn’t tell you how the fund will perform in the future.Province of Ontario, 2.6%, 6/2/2025
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6.33% Also, your actual return will depend on the guarantee option and sales charge option Gov. of Canada, 2.75%, 12/1/2048 5.32% you choose and on your personal tax situation.Gov. of Canada, 2.25%, 06/01/2029 1.60%Canada Housing Trust No.1, 2.35%, 6/15/2027 1.49% Average returnProvince of Ontario, 2.9%, 6/2/2049 1.48%
A person who invested $1,000 in the fund and chose the InvestmentPlus Series on Province of Quebec, 3.5%, 12/1/2045 1.36%
October 18, 2010 has $1,179.06 on December 31, 2019. This works out to an Province of Ontario, 2.70%, 6/2/2029 1.23%
average of 1.81% per year.Province of Ontario, 2.3%, 9/8/2024 1.11%Gov. of Canada, 3.5%, 12/1/2045 1.04% Year-by-year returns Any values close to zero may not be visible.United States Treasury Bill, 2.625%, 2/15/2029 1.02%
This chart shows how the fund has performed in each of the past 9 years for a Total 21.98% contractholder who chose the InvestmentPlus Series. In the last 9 years the fund was Total investments: 448 up in value 6 years and down in value 3 years.
Investment SegmentationColours Weight %
91.34% Canadian BondsName
5.93% U.S. Bonds2.58% Cash and Equivalents0.29% Global Bonds0.05% Other
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees? How risky is it?This fund is being offered under an insurance contract. It comes with guarantees that The value of your investments can go down. Please see the Information Folder for may protect your investment if the markets go down. The MER includes a separate further details.insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
Who is this fund for?This fund may be right for a person seeking interest income with an emphasis on capital preservation.
Manulife Bond GIF Select
Low Low to Medium Medium Medium to High High
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How to read the Fund Facts: Manulife Segregated Funds
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How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge What you pay How it worksoption
Front End Sales Up to 5.0% of the amount you invest You and your advisor decide on the rateCharge The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales If you sell within: % When you invest, Manulife pays The sales charge is deducted from the amount you sellCharge (DSC) 1 year of buying 5.50 a commission of 2.5%. Any sales You can sell up to 10% (20% for RRIF tax types) of your
2 years of buying 5.00 charge you pay goes to units each year without paying a sales chargeManulife.3 years of buying 5.00 You can switch to units of other funds within the same
4 years of buying 4.00 guarantee option and sales charge option without paying
5 years of buying 4.00 any sales charge. The sales charge schedule will be based on the date you invest in your first fund6 years of buying 3.00
7 years of buying 2.00
After 7 years 0.00
Low Load Sales If you sell within: % When you invest, Manulife pays Charge 1 year of buying 2.50 a commission of 1.0%. Any sales
2 years of buying 2.00 charge you pay goes to Manulife.3 years of buying 1.50
After 3 years 0.00
No Load Sales There are no charges to you. When you invest, Manulife pays a commission of up to 3.0%. If you sell units within the first 4 Charge years from deposit, your servicing advisor may have to return a portion of the commission to
Manulife.
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating MER (Annual rate as a % of Management fee Fund fee Guarantee optionexpenses of the fund and, if applicable, any underlying fund(s). The MER includes the the fund value) (%) rate (%)
insurance cost for the guarantee. You don’t pay these expenses directly. Additional fees InvestmentPlus 2.11 1.62 —will apply to the IncomePlus and EstatePlus guarantee options and are paid out of the contract each year. The fund fee rate for this fund is a Level 1. MERs and guarantee IncomePlus 2.12 1.62 0.55
fees affect you because they reduce the return you get on your investment. For details EstatePlus 2.11 1.62 0.25about how the guarantees work, see your Information Folder and Contract.Trailing commission
Manulife pays a trailing commission of up to 0.50% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
Small Policy Fee $100 annual fee is applied to IncomePlus with a GWB Benefit Base that is below the initial deposit minimum. It is also applied to EstatePlus with a Death Benefit Guarantee that is below the initial deposit minimum.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
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How to read the Fund Facts: Manulife Segregated Funds
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Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus for complete objective and strategy of the underlying fund.
Objective: The Fund seeks to earn the highest level of income consistent with the preservation of capital with some capital appreciation by investing primarily in bonds and debentures of various terms issued or guaranteed by Canadian federal, provincial or municipal governments or corporations.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
Information specific to Elite and F-Class sales charge options
EliteThis section shows the information specific to the Elite sales charge option of this fund. When investing a minimum of $1 million dollars you may qualify for Elite pricing which offers a lower management expense ratio than other sales charge options in the same product.
What you pay
For the Front-end sales charge option, you pay up to 3.0% of the amount you invest.
For the Back-end and Low-load sales charge options, refer to the sales charge table on page 2 for details.
These are separate fees in addition to the MER.
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
InvestmentPlus 1,000,000 1.54 1.24 12.3835 110,030
IncomePlus 1,000,000 1.62 1.33 11.5308 11
EstatePlus 1,000,000 1.54 1.24 12.3835 39,201
F-ClassThis section shows the information specific to the F-Class sales charge option of this fund. Funds in the F-Class sales charge option are available for investors who have fee- based or wrap accounts with their dealer.
What you pay
Sales charges are generally negotiated between you and your dealer
Collection of these fees will occur within the dealer account and not from the contract
These are separate fees in addition to the MER
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
InvestmentPlus 2,500 1.29 0.95 12.4170 24,938
IncomePlus 25,000 1.29 1.13 11.6586 11
EstatePlus 10,000 1.29 0.95 12.4170 —
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
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How to read the Fund Facts: Manulife Segregated Funds
The Manufacturers Life Insurance Company — Manulife Advantage GIF 1 of 3
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Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Advantage GIF
Quick FactsDate Fund Available: April 2012Date Fund Created: October 2006
Fund Manager: ManulifeTotal Units Outstanding: 2,932,298
Total Fund Value: $31,336,774Portfolio Turnover Rate: --
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 0.00 0.00 10.6978 318,438
GIF Series 2 2,500 0.00 0.00 10.6811 780,046
GIF encore Series 1 2,500 0.00 0.00 10.6978 675,828
GIF encore Series 2 2,500 0.00 0.00 10.6811 689,145
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This Segregated Fund invests directly into a Manulife Bank demand deposit account.
Top 10 investments%
Canadian Dollar 100.00%
Total 100.00%
Total investments: 1
Investment SegmentationColours Weight % Name
100.00% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 8 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on April 30, 2012 has $1,068.11 on December 31, 2020. This works out to an average of 0.76% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 8 years for a contractholder. In the past 8 years the Fund was up in value.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking interest income with an emphasis on capital preservation.
Manulife Advantage GIF
Low Low to Medium Medium Medium to High High
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Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 0.00 0.00
GIF Series 2 0.00 0.00
GIF encore Series 1 0.00 0.00
GIF encore Series 2 0.00 0.00
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 1.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 2.25 2.25
2 years of buying 1.75 2.00
3 years of buying 1.25 1.75
4 years of buying 0.75 1.25
5 years of buying 0.25 1.00
6 years of buying 0.00 0.75
7 years of buying 0.00 0.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 2.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. Manulife is currently waiving the management fee of this fund, at its discretion. Rather, Manulife is receiving a negotiated fee from Manulife Bank at a level that allows the fund to provide an interest rate comparable to the returns of Canadian money market segregated funds with similar features. This fee arrangement may change or be terminated at any time. In the event the fee arrangement is terminated, a management fee not exceeding 1.0% may be charged to the fund. For details about how the guarantees work, see your Information Folder and Contract.Trailing commission
Manulife pays a trailing commission of up to 0.40% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Advantage GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The fund seeks to provide investors with interest income by generally holding all of its portfolio assets on deposit in a demand deposit (cashable) account with an administered interest rate at its affiliate, Manulife Bank of Canada.
Strategy: The fund seeks to provide investors with interest income by generally holding all of its portfolio assets on deposit in a demand deposit (cashable) account where Manulife is receiving a negotiated fee from Manulife Bank at a level that allows the fund to provide an interest rate comparable to the returns of Canadian money market segregated funds with similar features. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Money Market GIF (no-load) 1 of 3
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Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Money Market GIF (no-load)
Quick FactsDate Fund Available: May 2018Date Fund Created: May 2018
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 10,561,993
Total Fund Value: $106,313,955Portfolio Turnover Rate: --
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 2 2,500 1.27 1.00 10.0915 56,581
GIF encore Series 1 2,500 1.50 1.00 10.0356 83,826
GIF encore Series 2 2,500 1.27 1.00 10.0915 119,738
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Money Market Fund. The underlying mutual fund trust holds primarily Canadian money market investments.
Top 10 investments (of the underlying fund)%
Bank of Nova Scotia (The) (FRN), 0.52%, 1/13/2021 11.07%Gov. of Canada Treasury Bill, 3/4/2021 10.90%Royal Bank of Canada (FRN), 0.49%, 2/8/2021 9.19%Toronto-Dominion Bank, 2.05%, 3/8/2021 8.75%Bank of Montreal, 3.4%, 4/23/2021 8.10%Gov. of Canada Treasury Bill, 3/25/2021 7.61%Royal Bank of Canada, 2.86%, 3/4/2021 5.31%Toyota Credit Canada Inc., 07/07/2021 DN 4.89%Canadian Imperial Bank of Commerce, 1.9%, 4/26/2021 4.42%Toyota Credit Canada Inc., 1.75%, 7/21/2021 4.16%
Total 74.40%
Total investments: 25
Investment SegmentationColours Weight % Name
100.07% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 2 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on May 14, 2018 has $1,009.15 on December 31, 2020. This works out to an average of 0.35% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 2 years for a contractholder who chose the GIF Series 2. In the last 2 years the fund was up in value 1 year and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person looking for liquidity.
Manulife Money Market GIF (no-load)
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Money Market GIF (no-load) 2 of 3
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 2 1.27 1.00
GIF encore Series 1 1.50 1.00
GIF encore Series 2 1.27 1.00
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
No Load Sales Charge
There are no charges to you. No Sales Charges or upfront commission will be charged or paid on any amount invested in this Fund.
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 0.20% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Money Market GIF (no-load) — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund seeks to provide interest income by investing in high quality, short-term fixed income securities issued by Canadian federal or provincial governments, Canadian chartered banks, and loan, trust and other companies operating in Canada. The fund may also invest in interest rate bearing instruments such as demand deposit accounts.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Money Market GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Money Market GIFThe Manufacturers Life Insurance Company — Manulife Money Market GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Money Market GIF
Quick FactsDate Fund Available: May 2018Date Fund Created: May 2018
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 10,561,993
Total Fund Value: $106,313,955Portfolio Turnover Rate: --
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 1.43 1.00 10.0511 688,472
GIF Series 2 2,500 1.28 1.00 10.0897 949,571
GIF encore Series 1 2,500 1.43 1.00 10.0514 853,650
GIF encore Series 2 2,500 1.28 1.00 10.0897 660,815
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Money Market Fund. The underlying mutual fund trust holds primarily Canadian money market investments.
Top 10 investments (of the underlying fund)%
Bank of Nova Scotia (The) (FRN), 0.52%, 1/13/2021 11.07%Gov. of Canada Treasury Bill, 3/4/2021 10.90%Royal Bank of Canada (FRN), 0.49%, 2/8/2021 9.19%Toronto-Dominion Bank, 2.05%, 3/8/2021 8.75%Bank of Montreal, 3.4%, 4/23/2021 8.10%Gov. of Canada Treasury Bill, 3/25/2021 7.61%Royal Bank of Canada, 2.86%, 3/4/2021 5.31%Toyota Credit Canada Inc., 07/07/2021 DN 4.89%Canadian Imperial Bank of Commerce, 1.9%, 4/26/2021 4.42%Toyota Credit Canada Inc., 1.75%, 7/21/2021 4.16%
Total 74.40%
Total investments: 25
Investment SegmentationColours Weight % Name
100.07% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 2 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on May 14, 2018 has $1,008.97 on December 31, 2020. This works out to an average of 0.34% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 2 years for a contractholder who chose the GIF Series 2. In the last 2 years the fund was up in value 1 year and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person looking for liquidity.
Manulife Money Market GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Money Market GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 1.43 1.00
GIF Series 2 1.28 1.00
GIF encore Series 1 1.43 1.00
GIF encore Series 2 1.28 1.00
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 1.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 2.25 2.25
2 years of buying 1.75 2.00
3 years of buying 1.25 1.75
4 years of buying 0.75 1.25
5 years of buying 0.25 1.00
6 years of buying 0.00 0.75
7 years of buying 0.00 0.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 2.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 0.40% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Money Market GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund seeks to provide interest income by investing in high quality, short-term fixed income securities issued by Canadian federal or provincial governments, Canadian chartered banks, and loan, trust and other companies operating in Canada. The fund may also invest in interest rate bearing instruments such as demand deposit accounts.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Bond GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Bond GIFThe Manufacturers Life Insurance Company — Manulife Bond GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Bond GIF
Quick FactsDate Fund Available: October 2010Date Fund Created: October 2010
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 16,128,627
Total Fund Value: $192,923,819Portfolio Turnover Rate: 14.93%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 2.41 1.71 12.2833 13,446
GIF Series 2 2,500 2.22 1.71 12.5791 260,080
GIF encore Series 1 2,500 2.41 1.71 12.2833 181,812
GIF encore Series 2 2,500 2.22 1.71 12.5791 223,836
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Bond Fund. The underlying mutual fund trust holds primarily Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Province of Ontario, 2.6%, 6/2/2025 2.86%Canada Housing Trust No.1, 1.95%, 12/15/2025 2.56%Province of Ontario, 0.01%, 12/2/2030 1.87%Gov. of Canada, 2.00%, 2051/12/1 1.60%Province of Ontario, 3.45%, 6/2/2045 1.54%Province of Quebec, 3.5%, 12/1/2045 1.46%Gov. of Canada, 5.75%, 6/1/2033 1.36%Canada Housing Trust No.1, 1.10%, 3/15/2031 1.15%Province of Ontario, 2.65%, 12/2/2050 1.04%Canada Housing Trust No.1, 2.65%, 12/15/2028 1.01%
Total 16.44%
Total investments: 496
Investment SegmentationColours Weight % Name
89.44% Canadian Bonds5.89% Cash and Equivalents4.45% U.S. Bonds0.26% Global Bonds0.01% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,276.09 on December 31, 2020. This works out to an average of 2.47% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking interest income with an emphasis on capital preservation.
Manulife Bond GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Bond GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 2.41 1.71
GIF Series 2 2.22 1.71
GIF encore Series 1 2.41 1.71
GIF encore Series 2 2.22 1.71
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 2.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 4.50 4.50
2 years of buying 3.50 4.00
3 years of buying 2.50 3.50
4 years of buying 1.50 3.00
5 years of buying 0.50 2.50
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 3.5%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 0.50% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Bond GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund seeks to earn the highest level of income consistent with the preservation of capital with some capital appreciation by investing primarily in bonds and debentures of various terms issued or guaranteed by Canadian federal, provincial or municipal governments or corporations.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Bond GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Bond GIFThe Manufacturers Life Insurance Company — Manulife Fidelity Canadian Bond GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity Canadian Bond GIF
Quick FactsDate Fund Available: July 2003Date Fund Created: January 1997
Underlying Fund Manager: Fidelity Investments Canada ULCTotal Units Outstanding: 7,390,876
Total Fund Value: $186,362,926Portfolio Turnover Rate: 7.62%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 2.42 1.90 23.6033 87,044
GIF Series 2 2,500 2.20 1.90 17.5722 394,168
GIF encore Series 1 2,500 2.43 1.90 20.5392 182,391
GIF encore Series 2 2,500 2.20 1.90 17.5722 401,763
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Fidelity Canadian Bond Fund. The underlying mutual fund trust holds primarily Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Province of Quebec, 5%, 12/1/2041 1.76%Province of Alberta, 2.35%, 6/1/2025 1.63%Canada Housing Trust No.1, 1.10%, 3/15/2031 1.55%Province of Ontario, 5.85%, 3/8/2033 1.49%Gov. of Canada, 0.50%, 12/1/2030 1.39%Province of Ontario, 3.45%, 6/2/2045 1.36%Province of Ontario, 1.75%, 9/8/2025 1.34%Gov. of Canada, 1.25%, 12/1/2047 1.30%Gov. of Canada, 2.00%, 2051/12/1 1.24%Province of Ontario, 3.5%, 6/2/2043 1.18%
Total 14.24%
Total investments: 541
Investment SegmentationColours Weight % Name
90.56% Canadian Bonds5.96% U.S. Bonds4.37% Cash and Equivalents0.74% Global Bonds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,302.95 on December 31, 2020. This works out to an average of 2.68% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking interest income with an emphasis on capital preservation.
Manulife Fidelity Canadian Bond GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Bond GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 2.42 1.90
GIF Series 2 2.20 1.90
GIF encore Series 1 2.43 1.90
GIF encore Series 2 2.20 1.90
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 2.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 4.50 4.50
2 years of buying 3.50 4.00
3 years of buying 2.50 3.50
4 years of buying 1.50 3.00
5 years of buying 0.50 2.50
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 3.5%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 0.50% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Bond GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to provide a steady flow of income. It invests primarily in Canadian fixed income securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Corporate Bond GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Corporate Bond GIFThe Manufacturers Life Insurance Company — Manulife Corporate Bond GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Corporate Bond GIF
Quick FactsDate Fund Available: January 2005Date Fund Created: January 2005
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 6,326,130
Total Fund Value: $106,336,575Portfolio Turnover Rate: 7.46%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 2.46 1.78 17.4652 249,438
GIF Series 2 2,500 2.20 1.78 18.1159 280,134
GIF encore Series 1 2,500 2.45 1.78 17.4478 250,388
GIF encore Series 2 2,500 2.20 1.78 18.1159 274,775
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Corporate Bond Fund. The underlying mutual fund trust holds primarily Canadian and U.S. fixed income investments.
Top 10 investments (of the underlying fund)%
Gov. of Canada Treasury Bill, 10/14/2021 1.43%Bank of America Corp. (FRN), 0.03%, 4/25/2025 1.33%Federal Home Loan Banks, 2/3/2021 1.20%Royal Bank of Canada (FRN), 0.04%, 2/24/2081 1.04%Bank of Nova Scotia (The), 4.5%, 12/16/2025 1.04%Husky Energy Inc., 0.04%, 2/7/2028 0.96%Nissan Motor Co. Ltd., 3.04%, 9/15/2023 0.91%Morguard Corporation, 0.04%, 9/28/2023 0.90%Morgan Stanley, 3%, 2/7/2024 0.85%GE Capital Canada Funding Co., 4.6%, 1/26/2022 0.84%
Total 10.50%
Total investments: 440
Investment SegmentationColours Weight % Name
46.67% U.S. Bonds36.28% Canadian Bonds9.10% Global Bonds5.28% Cash and Equivalents2.14% Canadian Equity0.72% U.S. Equity0.13% International Equity
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,406.28 on December 31, 2020. This works out to an average of 3.47% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking interest income with an emphasis on capital preservation.
Manulife Corporate Bond GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Corporate Bond GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 2.46 1.78
GIF Series 2 2.20 1.78
GIF encore Series 1 2.45 1.78
GIF encore Series 2 2.20 1.78
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 2.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 4.50 4.50
2 years of buying 3.50 4.00
3 years of buying 2.50 3.50
4 years of buying 1.50 3.00
5 years of buying 0.50 2.50
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 3.5%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 0.50% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Corporate Bond GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund seeks to obtain long-term returns and a steady flow of income. The Fund invests primarily in a diversified portfolio of Canadian and U.S. investment grade corporate and high yield bonds.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Strategic Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Strategic Income GIFThe Manufacturers Life Insurance Company — Manulife Strategic Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Strategic Income GIF
Quick FactsDate Fund Available: May 2006Date Fund Created: April 2006
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 49,283,868
Total Fund Value: $857,683,693Portfolio Turnover Rate: 9.97%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 2.82 1.68 21.0044 174,182
GIF Series 2 2,500 2.41 1.68 22.3095 601,120
GIF encore Series 1 2,500 2.82 1.68 21.0044 407,396
GIF encore Series 2 2,500 2.41 1.68 22.3095 600,674
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Strategic Income Fund. The underlying mutual fund trust holds primarily foreign fixed income investments.
Top 10 investments (of the underlying fund)%
United States Treasury Note, 3%, 2/15/2049 1.44%United States Treasury Note, 2.38%, 5/15/2029 1.40%United States Treasury Note, 4.38%, 2/15/2038 0.84%Japan, 0.1%, 12/20/2023 0.81%HCA Inc., 3.5%, 9/1/2030 0.77%Gov. of Canada, 0%, 11/1/2022 0.74%United States Treasury Note, 2.75%, 11/15/2042 0.73%Indonesia, 6.5%, 6/15/2025 0.70%Bausch Health Cos. Inc., 5.25%, 1/30/2030 0.67%United States Treasury Note, 2%, 11/15/2026 0.65%
Total 8.75%
Total investments: 548
Investment SegmentationColours Weight % Name
52.71% U.S. Bonds26.92% Global Bonds8.83% Canadian Bonds5.04% Cash and Equivalents3.72% U.S. Equity2.91% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,501.57 on December 31, 2020. This works out to an average of 4.15% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 9 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking interest income with an emphasis on capital preservation.
Manulife Strategic Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Strategic Income GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 2.82 1.68
GIF Series 2 2.41 1.68
GIF encore Series 1 2.82 1.68
GIF encore Series 2 2.41 1.68
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 2.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 4.50 4.50
2 years of buying 3.50 4.00
3 years of buying 2.50 3.50
4 years of buying 1.50 3.00
5 years of buying 0.50 2.50
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 3.5%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 0.50% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Strategic Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Fixed Income Fund aims to generate income with an emphasis on capital preservation. This Fund invests primarily in government and corporate debt securities from developed and emerging markets. It also invests in U.S. government and agency securities and high yield bonds. The Fund may also invest in preferred shares and other types of debt securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Mackenzie Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Mackenzie Income GIFThe Manufacturers Life Insurance Company — Manulife Mackenzie Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Mackenzie Income GIF
Quick FactsDate Fund Available: January 2005Date Fund Created: May 2002
Fund Manager: ManulifeTotal Units Outstanding: 16,037,465
Total Fund Value: $264,588,595Portfolio Turnover Rate: 7.88%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.71 2.06 15.0536 26,979
GIF Series 2 2,500 3.29 2.06 15.8791 466,378
GIF encore Series 1 2,500 3.58 2.06 15.1996 210,957
GIF encore Series 2 2,500 3.29 2.06 15.8791 290,820
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into the Manulife Sentinel Income Fund unit trust. The underlying unit trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Province of Ontario, 2.05%, 6/2/2030 4.81%Province of Quebec, 0.02%, 9/1/2030 3.48%United States Treasury Note, 1.38%, 8/15/2050 2.34%Province of Ontario, 0.02%, 12/2/2051 2.31%United States Treasury Note, 0.63%, 8/15/2030 2.26%Province of British Columbia, 2.20%, 6/18/2030 1.72%Province of Ontario, 2.65%, 12/2/2050 1.46%Province of Quebec, 3.1%, 12/1/2051 1.44%Canada Housing Trust No.1, 1.10%, 3/15/2031 1.43%Toronto-Dominion Bank Com New 1.38%
Total 22.63%
Total investments: 551
Investment SegmentationColours Weight % Name
51.67% Canadian Bonds15.67% Canadian Equity13.70% U.S. Bonds7.80% U.S. Equity7.14% International Equity2.51% Global Bonds0.82% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,387.60 on December 31, 2020. This works out to an average of 3.33% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 9 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Mackenzie Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Mackenzie Income GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.71 2.06
GIF Series 2 3.29 2.06
GIF encore Series 1 3.58 2.06
GIF encore Series 2 3.29 2.06
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Mackenzie Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: This Fund seeks a steady flow of income with reasonable safety of capital by investing primarily in a combination of fixed-income and equity securities of issuers anywhere in the world.
Strategy: When selecting equity securities, the portfolio advisor uses a five step value-oriented investment selection approach which involves studying industries and companies to gain a deeper understanding of fundamental conditions and competitive forces, estimating the value of the companies using a cash flow analysis, comparing those values to current stock prices to ensure both significant potential upside and to provide a margin of safety, ensuring consistency in the overall analysis across all prospective investments; and, finally when selecting securities for the portfolio, emphasizing securities with a higher yield. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Simplicity Conservative Portfolio GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Simplicity Conservative Portfolio GIFThe Manufacturers Life Insurance Company — Manulife Simplicity Conservative Portfolio GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Simplicity Conservative Portfolio GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: January 1999
Fund Manager: ManulifeTotal Units Outstanding: 2,501,354
Total Fund Value: $44,543,056Portfolio Turnover Rate: 43.71%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 2.82 1.70 17.4912 88,658
GIF Series 2 2,500 2.44 1.70 18.5842 572,112
GIF encore Series 1 2,500 2.76 1.70 18.6172 410,305
GIF encore Series 2 2,500 2.44 1.70 18.5842 672,135
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, mutual funds and unit trusts. The underlying funds hold primarily Canadian fixed income and money market funds.
Top 10 investments%
Manulife Canadian Bond Fund 25.97%Manulife Canadian Universe Bond Fund 14.60%Manulife Canadian Mortgage Investment Fund 13.20%Manulife Strategic Income Fund 9.92%Manulife Canadian Unconstrained Bond Fund 4.97%Manulife Corporate Bond Fund 4.96%Manulife Canadian Money Market Fund 4.94%Manulife Fundamental Equity Fund 4.19%Manulife Dividend Income Fund 4.19%Manulife Global Listed Infrastructure Fund 3.47%
Total 90.41%
Total investments: 13
Investment SegmentationColours Weight % Name
56.13% Canadian Bonds11.40% U.S. Bonds8.57% Cash and Equivalents8.30% U.S. Equity6.49% Canadian Equity4.91% International Equity3.64% Global Bonds0.42% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,376.17 on December 31, 2020. This works out to an average of 3.24% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 9 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the bond markets.
Manulife Simplicity Conservative Portfolio GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Simplicity Conservative Portfolio GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 2.82 1.70
GIF Series 2 2.44 1.70
GIF encore Series 1 2.76 1.70
GIF encore Series 2 2.44 1.70
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Simplicity Conservative Portfolio GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The Portfolio seeks to generate income with an emphasis on preserving capital. Manulife Simplicity Conservative Portfolio (the “Portfolio”) is a strategic asset allocation portfolio. It invests its assets in other mutual funds (the “Underlying Funds”), focusing on Canadian fixed income and money market funds. The Portfolio may also invest in Canadian and foreign equity funds within permitted ranges.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Simplicity Moderate Portfolio GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Simplicity Moderate Portfolio GIFThe Manufacturers Life Insurance Company — Manulife Simplicity Moderate Portfolio GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Simplicity Moderate Portfolio GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: January 1999
Fund Manager: ManulifeTotal Units Outstanding: 2,658,907
Total Fund Value: $51,538,545Portfolio Turnover Rate: 35.82%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.07 1.90 19.4352 78,016
GIF Series 2 2,500 2.65 1.90 20.1005 709,258
GIF encore Series 1 2,500 3.08 1.90 19.8298 537,513
GIF encore Series 2 2,500 2.65 1.90 20.1005 661,314
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, ETFs, mutual funds and unit trusts. The underlying funds hold primarily Canadian equities and Canadian fixed income investments.
Top 10 investments%
Manulife Canadian Bond Fund 13.79%Manulife Canadian Mortgage Investment Fund 11.38%Manulife Strategic Income Fund 9.81%Manulife Canadian Universe Bond Fund 9.62%Manulife Corporate Bond Fund 5.98%Manulife Dividend Income Fund 5.68%Manulife World Investment Fund 5.68%Manulife Fundamental Equity Fund 5.20%Manulife Canadian Unconstrained Bond Fund 4.95%Manulife Canadian Investment Fund 4.73%
Total 76.82%
Total investments: 17
Investment SegmentationColours Weight % Name
39.05% Canadian Bonds14.04% International Equity12.73% Canadian Equity12.50% U.S. Equity10.78% U.S. Bonds6.76% Cash and Equivalents3.62% Global Bonds0.52% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,510.38 on December 31, 2020. This works out to an average of 4.21% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Simplicity Moderate Portfolio GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Simplicity Moderate Portfolio GIF 2 of 3
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•
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•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.07 1.90
GIF Series 2 2.65 1.90
GIF encore Series 1 3.08 1.90
GIF encore Series 2 2.65 1.90
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Simplicity Moderate Portfolio GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The Portfolio aims to generate income and to provide long-term growth consistent with preservation of capital. Manulife Simplicity Moderate Portfolio (the “Portfolio”) is a strategic asset allocation portfolio. It invests its assets in other mutual funds (the “Underlying Funds”), focusing on Canadian fixed income and money market funds, with a portion in Canadian equity funds. The Portfolio may also invest in foreign equity funds within permitted ranges. The portfolio advisor may move up to 25% of the net assets of the Portfolio into cash if it feels that market conditions warrant it.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Asset Allocation GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Asset Allocation GIFThe Manufacturers Life Insurance Company — Manulife Fidelity Canadian Asset Allocation GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity Canadian Asset Allocation GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: January 1997
Underlying Fund Manager: Fidelity Investments Canada ULCTotal Units Outstanding: 51,184,981
Total Fund Value: $1,036,331,745Portfolio Turnover Rate: 4.63%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.54 2.15 33.5256 1,458,053
GIF Series 2 2,500 3.10 2.15 23.9602 2,401,423
GIF encore Series 1 2,500 3.54 2.15 25.8158 1,762,208
GIF encore Series 2 2,500 3.10 2.15 23.9602 1,978,632
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Fidelity Canadian Asset Allocation Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Royal Bank of Canada 4.13%iShares Comex Gold Trust ETF 3.76%Shopify Inc. Cl A 3.03%Toronto-Dominion Bank Com New 2.93%TC Energy Corp. 2.68%Barrick Gold Corporation 2.26%Bank of Nova Scotia (The) 2.09%Brookfield Asset Management Inc. Voting Shs Cl A 2.03%Darling Ingredients Inc 2.01%Dollarama Inc. 1.86%
Total 26.76%
Total investments: 1482
Investment SegmentationColours Weight % Name
51.16% Canadian Equity20.18% Canadian Bonds16.19% U.S. Equity7.65% International Equity1.28% U.S. Bonds1.10% Mutual Funds0.38% Global Bonds0.01% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,420.29 on December 31, 2020. This works out to an average of 3.57% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Fidelity Canadian Asset Allocation GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Asset Allocation GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.54 2.15
GIF Series 2 3.10 2.15
GIF encore Series 1 3.54 2.15
GIF encore Series 2 3.10 2.15
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Asset Allocation GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to achieve high total investment return. The Fund uses an asset allocation approach. It invests primarily in a mix of Canadian equity securities, fixed- income securities and money market instruments.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Focused Bundle GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Focused Bundle GIFThe Manufacturers Life Insurance Company — Manulife Focused Bundle GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Focused Bundle GIF
Quick FactsDate Fund Available: April 2010Date Fund Created: October 2009
Fund Manager: ManulifeTotal Units Outstanding: 1,295,509
Total Fund Value: $21,503,082Portfolio Turnover Rate: 31.73%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.70 2.10 15.1029 3,014
GIF Series 2 2,500 3.29 2.10 15.7534 24,583
GIF encore Series 1 2,500 3.70 2.10 15.1029 20,409
GIF encore Series 2 2,500 3.29 2.10 15.7534 15,313
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, mutual funds. The underlying funds hold primarily Canadian equities and Canadian fixed income investments.
Top 10 investments%
Manulife Global Franchise Fund 49.95%Manulife Bond Fund 29.64%Manulife Dividend Income Plus Fund 20.66%
Total 100.25%
Total investments: 3
Investment SegmentationColours Weight % Name
32.16% U.S. Equity26.63% Canadian Bonds26.54% International Equity9.51% Canadian Equity3.42% Cash and Equivalents1.32% U.S. Bonds0.50% Other0.08% Global Bonds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,524.48 on December 31, 2020. This works out to an average of 4.31% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 6 years and down in value 4 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Focused Bundle GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Focused Bundle GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.70 2.10
GIF Series 2 3.29 2.10
GIF encore Series 1 3.70 2.10
GIF encore Series 2 3.29 2.10
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Focused Bundle GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The objective of this fund is to provide growth and interest income by investing in a bundle of underlying Manulife mutual funds.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Invesco Select Balanced GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Invesco Select Balanced GIFThe Manufacturers Life Insurance Company — Manulife Invesco Select Balanced GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Invesco Select Balanced GIF
Quick FactsDate Fund Available: July 2002Date Fund Created: January 1997
Underlying Fund Manager: Invesco Canada Ltd.Total Units Outstanding: 1,979,411
Total Fund Value: $44,292,194Portfolio Turnover Rate: 3.51%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.47 2.25 24.8784 417,640
GIF Series 2 2,500 3.15 2.25 22.0417 418,087
GIF encore Series 1 2,500 3.49 2.25 23.7278 498,260
GIF encore Series 2 2,500 3.15 2.25 22.0417 323,590
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Invesco Select Balanced Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Brookfield Asset Management Inc. Voting Shs Cl A 6.48%Royal Bank of Canada 5.41%Bank of Nova Scotia (The) 4.56%Toronto-Dominion Bank Com New 3.77%Berkshire Hathaway Inc. Cl B New 3.21%Power Corp. of Canada 3.18%UnitedHealth Group Inc. 2.35%Open Text Corp. 2.34%Oracle Corp. 2.14%Deere & Co. 2.13%
Total 35.55%
Total investments: 217
Investment SegmentationColours Weight % Name
46.61% Canadian Equity24.20% Canadian Bonds20.66% U.S. Equity6.38% International Equity1.48% Cash and Equivalents0.14% U.S. Bonds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,573.32 on December 31, 2020. This works out to an average of 4.64% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Invesco Select Balanced GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Invesco Select Balanced GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.47 2.25
GIF Series 2 3.15 2.25
GIF encore Series 1 3.49 2.25
GIF encore Series 2 3.15 2.25
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Invesco Select Balanced GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Invesco Select Balanced Fund seeks to generate capital growth and income over the long term. The Fund invests primarily in Canadian equities, fixed-income securities of Canadian issuers, both government and corporate, and foreign equities and fixed-income securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife TD Dividend Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife TD Dividend Income GIFThe Manufacturers Life Insurance Company — Manulife TD Dividend Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife TD Dividend Income GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Underlying Fund Manager: TD Asset Management Inc.Total Units Outstanding: 30,634,589
Total Fund Value: $539,737,672Portfolio Turnover Rate: 7.82%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.60 2.38 15.7686 109,142
GIF Series 2 2,500 3.21 2.38 16.5386 712,927
GIF encore Series 1 2,500 3.60 2.38 15.7686 185,534
GIF encore Series 2 2,500 3.21 2.38 16.5386 341,067
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the TD Dividend Income Fund. The underlying mutual fund trust holds primarily Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Toronto-Dominion Bank 7.32%Royal Bank of Canada 7.32%Bank of Montreal 5.62%Canadian Imperial Bank of Commerce 5.22%Brookfield Asset Management Inc. 5.12%Bank of Nova Scotia 4.71%Canadian National Railway Company 3.91%Enbridge Inc. 3.41%Canadian Pacific Railway Limited 3.31%TELUS Corporation 2.21%
Total 48.15%
Total investments: 474
Investment SegmentationColours Weight % Name
72.40% Canadian Equity20.80% Canadian Bonds2.00% U.S. Equity2.00% U.S. Bonds1.20% Cash and Equivalents0.80% Global Bonds0.60% Mutual Funds0.20% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,575.46 on December 31, 2020. This works out to an average of 4.65% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife TD Dividend Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife TD Dividend Income GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.60 2.38
GIF Series 2 3.21 2.38
GIF encore Series 1 3.60 2.38
GIF encore Series 2 3.21 2.38
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife TD Dividend Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The fundamental investment objective is to seek to provide income with capital appreciation as a secondary objective, by investing primarily in income-producing securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Balanced GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Balanced GIFThe Manufacturers Life Insurance Company — Manulife Balanced GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Balanced GIF
Quick FactsDate Fund Available: April 2006Date Fund Created: September 1986
Fund Manager: ManulifeTotal Units Outstanding: 8,951,672
Total Fund Value: $212,060,334Portfolio Turnover Rate: 15.62%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.39 2.20 15.7646 14,767
GIF Series 2 2,500 3.04 2.20 16.4421 57,284
GIF encore Series 1 2,500 3.39 2.20 15.7646 26,760
GIF encore Series 2 2,500 3.04 2.20 16.4421 70,459
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, mutual funds, pooled funds and unit trusts. The underlying funds hold primarily Canadian equities and Canadian fixed income investments.
Top 10 investments%
MIM Canadian Core Fixed Income 43.59%Manulife Dividend Income Fund 10.40%Franklin Bissett Canadian Equity Fund 9.79%Manulife Core Canadian Equity Fund 9.48%MIM US Large Cap Core Pooled Fund 7.39%Manulife U.S. Unconstrained Bond Fund 5.04%National Bank Canadian All Cap Equity Fund 4.93%National Bank SmartData International Equity Fund 3.54%Manulife International Equity Fund 3.45%
Total 97.63%
Total investments: 9
Investment SegmentationColours Weight % Name
39.34% Canadian Bonds27.36% Canadian Equity12.08% U.S. Equity8.14% International Equity7.18% U.S. Bonds2.73% Cash and Equivalents0.73% Global Bonds0.60% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,531.47 on December 31, 2020. This works out to an average of 4.35% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Balanced GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Balanced GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.39 2.20
GIF Series 2 3.04 2.20
GIF encore Series 1 3.39 2.20
GIF encore Series 2 3.04 2.20
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Balanced GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The Fund invests in a combination of Equity and Fixed Income Securities in order to provide a high rate of return and maximum security of principal.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Canadian Balanced GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Canadian Balanced GIFThe Manufacturers Life Insurance Company — Manulife Canadian Balanced GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Canadian Balanced GIF
Quick FactsDate Fund Available: October 2010Date Fund Created: October 2010
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 11,299,777
Total Fund Value: $227,344,851Portfolio Turnover Rate: 7.63%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.39 2.11 18.7195 12,785
GIF Series 2 2,500 3.14 2.11 19.2607 136,015
GIF encore Series 1 2,500 3.39 2.11 18.7195 78,260
GIF encore Series 2 2,500 3.14 2.11 19.2607 153,358
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Canadian Balanced Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Gov. of Canada, 1.25%, 3/1/2025 2.85%Royal Bank of Canada 1.97%Canadian Pacific Railway Ltd. 1.93%Toronto-Dominion Bank Com New 1.91%Canada Housing Trust No.1, 1.9%, 9/15/2026 1.53%Gov. of Canada Treasury Bill, 3/18/2021 1.52%Province of Ontario, 2.6%, 6/2/2027 1.41%Alimentation Couche-Tard Inc. Sub Vtg Sh 1.39%Shopify Inc. Cl A 1.39%Province of Ontario, 4.65%, 6/2/2041 1.35%
Total 17.26%
Total investments: 262
Investment SegmentationColours Weight % Name
36.98% Canadian Equity30.91% Canadian Bonds18.99% International Equity9.12% U.S. Equity3.08% Cash and Equivalents1.12% U.S. Bonds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,879.42 on December 31, 2020. This works out to an average of 6.51% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 9 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Canadian Balanced GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Canadian Balanced GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.39 2.11
GIF Series 2 3.14 2.11
GIF encore Series 1 3.39 2.11
GIF encore Series 2 3.14 2.11
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Canadian Balanced GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund seeks to achieve long-term growth and preservation of capital. The Fund will invest up to all of its assets in a diversified mix of other mutual funds, and may also invest in common shares, preferred shares, treasury bills, short-term notes, debentures, and bonds.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife CIBC Monthly Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife CIBC Monthly Income GIFThe Manufacturers Life Insurance Company — Manulife CIBC Monthly Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife CIBC Monthly Income GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: June 2008
Underlying Fund Manager: CIBC Global Asset Management Inc.Total Units Outstanding: 4,193,035
Total Fund Value: $62,018,922Portfolio Turnover Rate: 7.82%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.56 2.14 13.1490 2,992
GIF Series 2 2,500 3.22 2.14 13.7377 50,034
GIF encore Series 1 2,500 3.56 2.14 13.1490 12,112
GIF encore Series 2 2,500 3.22 2.14 13.7377 39,467
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the CIBC Monthly Income Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Royal Bank of Canada 2.68%Toronto-Dominion Bank Com New 2.64%Canada Housing Trust No.1, 1.75%, 6/15/2030 2.01%Brookfield Asset Management Inc. Voting Shs Cl A 2.01%Canadian National Railwaypany 1.72%Enbridge Inc. 1.64%Province of British Columbia, 4.95%, 6/18/2040 1.50%Gov. of Canada, 4%, 6/1/2041 1.45%Bank of Nova Scotia (The) 1.15%Gov. of Canada, 2.75%, 2048/12/1 1.14%
Total 17.94%
Total investments: 587
Investment SegmentationColours Weight % Name
35.83% Canadian Bonds31.03% Canadian Equity14.15% U.S. Equity10.13% International Equity5.22% U.S. Bonds2.38% Cash and Equivalents0.76% Global Bonds0.64% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,333.86 on December 31, 2020. This works out to an average of 2.92% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife CIBC Monthly Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife CIBC Monthly Income GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.56 2.14
GIF Series 2 3.22 2.14
GIF encore Series 1 3.56 2.14
GIF encore Series 2 3.22 2.14
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife CIBC Monthly Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The fund seeks to provide a reasonably consistent level of monthly income while attempting to preserve capital by investing primarily in a diversified portfolio of debt and equity instruments.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Balanced GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Balanced GIFThe Manufacturers Life Insurance Company — Manulife Fidelity Canadian Balanced GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity Canadian Balanced GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Underlying Fund Manager: Fidelity Investments Canada ULCTotal Units Outstanding: 30,950,805
Total Fund Value: $594,767,174Portfolio Turnover Rate: 6.24%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.64 2.43 17.2024 74,344
GIF Series 2 2,500 3.22 2.43 18.1298 678,501
GIF encore Series 1 2,500 3.64 2.43 17.2024 211,279
GIF encore Series 2 2,500 3.22 2.43 18.1298 512,249
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Fidelity Canadian Balanced Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
High Yield Investments Directly Held 6.21%Canadian Pacific Railway Ltd. 4.82%Royal Bank of Canada 4.74%Shopify Inc. Cl A 3.51%Brookfield Asset Management Inc. Voting Shs Cl A 3.06%Toronto-Dominion Bank Com New 2.07%Thomson Reuters Corp. Com New 2.01%Dollarama Inc. 1.94%Sun Life Financial Inc. 1.77%Barrick Gold Corporation 1.66%
Total 31.79%
Total investments: 753
Investment SegmentationColours Weight % Name
43.73% Canadian Equity41.65% Canadian Bonds7.82% U.S. Equity3.26% U.S. Bonds1.53% Cash and Equivalents1.51% Global Bonds0.16% Mutual Funds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,617.51 on December 31, 2020. This works out to an average of 4.93% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Fidelity Canadian Balanced GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Balanced GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.64 2.43
GIF Series 2 3.22 2.43
GIF encore Series 1 3.64 2.43
GIF encore Series 2 3.22 2.43
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Balanced GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to achieve high total investment return. The Fund uses a balanced approach. It invests primarily in a mix of Canadian equity securities, investment grade bonds, high yield securities and money market instruments.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity Monthly Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity Monthly Income GIFThe Manufacturers Life Insurance Company — Manulife Fidelity Monthly Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity Monthly Income GIF
Quick FactsDate Fund Available: April 2007Date Fund Created: October 2006
Underlying Fund Manager: Fidelity Investments Canada ULCTotal Units Outstanding: 42,488,273
Total Fund Value: $801,084,031Portfolio Turnover Rate: 8.23%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.59 2.55 16.5408 228,915
GIF Series 2 2,500 3.17 2.55 17.4788 1,231,186
GIF encore Series 1 2,500 3.59 2.55 16.5408 524,054
GIF encore Series 2 2,500 3.17 2.55 17.4788 1,032,990
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Fidelity Monthly Income Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Fidelity American High Yield Fund 11.27%Suncor Energy Inc. 2.95%Imperial Brands PLC Shs 2.53%BCE Inc. Com New 2.24%Rogers Communications Inc. Cl B Non Vtg 2.15%iShares Comex Gold Trust ETF 1.96%Canadian Natural Resources Ltd. 1.81%Toronto-Dominion Bank Com New 1.67%High Yield Investments Directly Held 1.63%Enbridge Inc. 1.60%
Total 29.81%
Total investments: 1597
Investment SegmentationColours Weight % Name
33.79% Canadian Equity23.25% Canadian Bonds12.06% Mutual Funds9.80% U.S. Equity6.49% Global Bonds5.71% U.S. Bonds4.71% Cash and Equivalents4.14% International Equity
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,575.64 on December 31, 2020. This works out to an average of 4.65% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 9 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Fidelity Monthly Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity Monthly Income GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.59 2.55
GIF Series 2 3.17 2.55
GIF encore Series 1 3.59 2.55
GIF encore Series 2 3.17 2.55
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity Monthly Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to achieve a combination of a steady flow of income and the potential for capital gains. It invests primarily in a mix of Canadian equity securities, Canadian fixed income securities, U.S. commercial mortgage-backed securities, and U.S. higher yielding, lower quality fixed income securities, preferred stocks and convertible securities. The Fund can invest in these securities either directly or indirectly through investments in underlying funds.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fundamental Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fundamental Income GIFThe Manufacturers Life Insurance Company — Manulife Fundamental Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fundamental Income GIF
Quick FactsDate Fund Available: August 2015Date Fund Created: August 2015
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 74,228,442
Total Fund Value: $943,433,019Portfolio Turnover Rate: 5.70%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.15 2.17 12.4130 751,371
GIF Series 2 2,500 2.64 1.72 12.7848 3,202,122
GIF encore Series 1 2,500 3.11 2.17 12.4385 1,890,120
GIF encore Series 2 2,500 2.63 1.72 12.7846 2,637,170
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Fundamental Income Fund. The underlying mutual fund trust holds primarily Canadian equities and fixed income investments.
Top 10 investments (of the underlying fund)%
Toronto-Dominion Bank Com New 4.84%Canadian National Railwaypany 2.75%Microsoft Corp. 2.71%Intact Financial Corporation 2.09%Brookfield Infrastructure Partners LP Partnership Units 2.04%CGI Inc. Cl A Sub Vtg 2.04%Gov. of Canada, 2.00%, 2051/12/1 2.02%Bank of Nova Scotia (The) 1.85%Rogers Communications Inc. Cl B Non Vtg 1.84%Enbridge Inc. 1.84%
Total 24.03%
Total investments: 439
Investment SegmentationColours Weight % Name
36.31% Canadian Equity28.66% Canadian Bonds16.50% U.S. Equity7.32% U.S. Bonds4.72% International Equity4.56% Cash and Equivalents1.64% Global Bonds0.49% Other
How has the fund performed?This section tells you how the fund has performed over the past 5 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on August 24, 2015 has $1,278.48 on December 31, 2020. This works out to an average of 4.69% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 5 years for a contractholder who chose the GIF Series 2. In the last 5 years the fund was up in value 4 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity market.
Manulife Fundamental Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fundamental Income GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.15 2.17
GIF Series 2 2.64 1.72
GIF encore Series 1 3.11 2.17
GIF encore Series 2 2.63 1.72
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fundamental Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Balanced Fund aims to provide a regular flow of monthly revenue. The Fund invests primarily in equities and fixed income investments. These securities can be Canadian or foreign.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Balanced GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Balanced GIFThe Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Balanced GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Invesco Canadian Premier Balanced GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: December 2000
Underlying Fund Manager: Invesco Canada Ltd.Total Units Outstanding: 9,497,384
Total Fund Value: $163,920,948Portfolio Turnover Rate: 2.05%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.33 2.20 23.0216 17,594
GIF Series 2 2,500 3.07 2.20 21.4209 516,389
GIF encore Series 1 2,500 3.44 2.20 22.6584 143,251
GIF encore Series 2 2,500 3.07 2.20 21.4209 359,083
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Invesco Canadian Premier Balanced Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Brookfield Asset Management Inc. Voting Shs Cl A 3.16%CGI Inc. Cl A Sub Vtg 2.63%Canadian National Railwaypany 2.33%Alimentation Couche-Tard Inc. Sub Vtg Sh 2.17%Toronto-Dominion Bank Com New 1.87%BRP Inc. Com Sub Vtg 1.54%Province of Manitoba, 4.4%, 3/5/2042 1.54%TMX Group Limited 1.52%Wheaton Precious Metals Corp. 1.36%Fairfax Financial Holdings Ltd. Sub Vtg 1.33%
Total 19.46%
Total investments: 248
Investment SegmentationColours Weight % Name
36.02% Canadian Equity32.56% Canadian Bonds13.61% International Equity10.99% U.S. Equity2.83% Global Bonds1.82% U.S. Bonds1.69% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,470.95 on December 31, 2020. This works out to an average of 3.93% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Invesco Canadian Premier Balanced GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Balanced GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.33 2.20
GIF Series 2 3.07 2.20
GIF encore Series 1 3.44 2.20
GIF encore Series 2 3.07 2.20
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Balanced GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Invesco Canadian Premier Balanced Fund seeks to generate capital growth and income by investing mainly in Canadian equities with strong growth potential, high-quality Canadian government and corporate fixed-income securities, foreign equities, and high-quality U.S. government and corporate fixed-income securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Monthly High Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Monthly High Income GIFThe Manufacturers Life Insurance Company — Manulife Monthly High Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Monthly High Income GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: December 2000
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 197,033,657
Total Fund Value: $5,198,318,306Portfolio Turnover Rate: 2.67%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 2.86 1.80 38.6755 580,989
GIF Series 2 2,500 2.42 1.80 45.4219 5,114,916
GIF encore Series 1 2,500 2.85 1.80 38.6849 4,431,816
GIF encore Series 2 2,500 2.42 1.80 45.4219 3,713,263
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Monthly High Income Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Constellation Software Inc. 3.07%Microsoft Corp. 2.98%BCE Inc. Com New 2.89%Alimentation Couche-Tard Inc. Sub Vtg Sh 2.72%Brookfield Asset Management Inc. Voting Shs Cl A 2.69%Canadian Pacific Railway Ltd. 2.58%Progressive Corp. 2.07%Telus Corp. 2.05%UnitedHealth Group Inc. 2.01%Costco Wholesale Corp. 1.84%
Total 24.90%
Total investments: 366
Investment SegmentationColours Weight % Name
31.47% Canadian Equity28.53% Canadian Bonds25.55% U.S. Equity7.04% International Equity6.35% Cash and Equivalents0.96% Other0.20% U.S. Bonds0.06% Global Bonds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,904.23 on December 31, 2020. This works out to an average of 6.65% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Monthly High Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Monthly High Income GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 2.86 1.80
GIF Series 2 2.42 1.80
GIF encore Series 1 2.85 1.80
GIF encore Series 2 2.42 1.80
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Monthly High Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Balanced Fund aims to provide steady flow of monthly income and capital growth. The Fund invests primarily in Canadian fixed income and large-cap Canadian equity securities. The Fund may also invest in securities of royalty trusts and real estate investment trusts (“REITs”).
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Balanced Income Portfolio GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Balanced Income Portfolio GIFThe Manufacturers Life Insurance Company — Manulife Balanced Income Portfolio GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Balanced Income Portfolio GIF
Quick FactsDate Fund Available: December 2005Date Fund Created: January 2005
Fund Manager: ManulifeTotal Units Outstanding: 19,207,161
Total Fund Value: $368,668,411Portfolio Turnover Rate: 41.88%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.11 1.96 18.1777 77,122
GIF Series 2 2,500 2.79 1.96 19.1420 685,898
GIF encore Series 1 2,500 3.11 1.96 18.1777 232,974
GIF encore Series 2 2,500 2.79 1.96 19.1420 508,732
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, ETFs, mutual funds, pooled funds and unit trusts. The underlying funds hold primarily global equities and fixed income funds.
Top 10 investments%
Manulife Corporate Bond Fund 13.08%Manulife Dividend Income Fund 10.14%Manulife Strategic Income Fund 9.91%Manulife U.S. Dividend Income Fund 9.16%Manulife Fundamental Dividend Fund 8.41%Manulife Canadian Bond Fund 8.13%Manulife World Investment Class 8.12%Vanguard International High Dividend Yield Fund 6.03%Manulife U.S. Unconstrained Bond Fund 5.04%MIM Emerging Markets Corporate Debt Pooled Fund 4.89%
Total 82.93%
Total investments: 14
Investment SegmentationColours Weight % Name
26.07% U.S. Equity20.37% Canadian Bonds17.89% U.S. Bonds11.72% International Equity10.76% Canadian Equity9.07% Global Bonds2.84% Cash and Equivalents1.20% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,590.91 on December 31, 2020. This works out to an average of 4.75% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Balanced Income Portfolio GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Balanced Income Portfolio GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.11 1.96
GIF Series 2 2.79 1.96
GIF encore Series 1 3.11 1.96
GIF encore Series 2 2.79 1.96
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Balanced Income Portfolio GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The fund seeks to provide income generation and long-term growth consistent with preservation of capital. The Portfolio is a strategic asset allocation portfolio. It invests its assets in other mutual funds, focusing on fixed income and dividend paying Canadian equity funds.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife CI Signature Income & Growth GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife CI Signature Income & Growth GIFThe Manufacturers Life Insurance Company — Manulife CI Signature Income & Growth GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife CI Signature Income & Growth GIF
Quick FactsDate Fund Available: April 2007Date Fund Created: October 2006
Underlying Fund Manager: CI Investments Inc.Total Units Outstanding: 24,225,480
Total Fund Value: $445,719,265Portfolio Turnover Rate: 8.28%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.64 2.55 15.6168 70,672
GIF Series 2 2,500 3.23 2.55 16.5397 894,690
GIF encore Series 1 2,500 3.64 2.55 15.6168 219,110
GIF encore Series 2 2,500 3.23 2.55 16.5397 574,310
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the CI Signature Income & Growth Fund. The underlying mutual fund trust holds primarily Canadian equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Manulife Financial Corporation 5.10%Nestle S.A. Shs Nom 2.19%Bank of Nova Scotia (The) 2.11%Microsoft Corp. 2.11%Canadian T-Bill Treasury Bill, 4/29/2021 2.03%Power Corp. of Canada 1.96%Shopify Inc. Cl A 1.92%Sony Corp. Shs 1.66%Canadian Imperial Bank ofmerce 1.65%Toronto-Dominion Bank Com New 1.63%
Total 22.35%
Total investments: 755
Investment SegmentationColours Weight % Name
41.42% Canadian Equity19.64% U.S. Equity12.60% Canadian Bonds12.42% International Equity7.14% U.S. Bonds3.94% Cash and Equivalents2.91% Global Bonds0.09% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,555.57 on December 31, 2020. This works out to an average of 4.52% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife CI Signature Income & Growth GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife CI Signature Income & Growth GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.64 2.55
GIF Series 2 3.23 2.55
GIF encore Series 1 3.64 2.55
GIF encore Series 2 3.23 2.55
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife CI Signature Income & Growth GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The fund seeks to provide a steady flow of current income while preserving capital by investing in a diversified portfolio of securities composed mainly of equity, equity-related and fixed income securities of Canadian issuers. The fund may also invest in foreign securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Global Managed Volatility GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Global Managed Volatility GIFThe Manufacturers Life Insurance Company — Manulife Global Managed Volatility GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Global Managed Volatility GIF
Quick FactsDate Fund Available: September 2014Date Fund Created: October 2013
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 5,446,476
Total Fund Value: $66,557,820Portfolio Turnover Rate: 9.12%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.39 2.44 11.5954 15,340
GIF Series 2 2,500 3.00 2.08 11.9202 104,988
GIF encore Series 1 2,500 3.46 2.44 11.5825 58,790
GIF encore Series 2 2,500 3.00 2.08 11.9202 101,771
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Global Managed Volatility Portfolio. The underlying mutual fund trust holds primarily ETFs to gain exposure to foreign equity and foreign fixed income investments.
Top 10 investments (of the underlying fund)%
Vanguard FTSE Developed Markets ETF 8.97%SPDR Bloomberg Barclays High Yield Bond ETF 7.22%SPDR BARCLAYS CAPITAL INTL D 6.37%SPDR Gold Trust ETF 3.72%VanEck Vectors ETF Trust - VanEck Vectors J.P. Morgan EM Local Currency Bond ETF J P Morgan Emerging Mkts Loc Currency Bd Etf New
3.40%
Vanguard Industrials ETF 3.34%Vanguard Financials ETF 3.13%Vanguard Materials Index Fund 2.78%Vanguard Information Technology ETF 1.55%Vanguard FTSE Europe Index ETF 1.39%
Total 41.86%
Total investments: 20109
Investment SegmentationColours Weight % Name
56.64% U.S. Equity14.98% Canadian Equity9.80% U.S. Bonds8.66% Canadian Bonds4.90% International Equity2.71% Global Bonds0.78% Other
How has the fund performed?This section tells you how the fund has performed over the past 6 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on September 19, 2014 has $1,192.02 on December 31, 2020. This works out to an average of 2.83% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 6 years for a contractholder who chose the GIF Series 2. In the last 6 years the fund was up in value 5 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Global Managed Volatility GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Global Managed Volatility GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.39 2.44
GIF Series 2 3.00 2.08
GIF encore Series 1 3.46 2.44
GIF encore Series 2 3.00 2.08
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Global Managed Volatility GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Fund seeks a balance between income and long-term capital growth while seeking to manage overall portfolio volatility.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF (no-load) 1 of 3
The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF (no-load)The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF (no-load) — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Simplicity Balanced Portfolio GIF (no-load)
Quick FactsDate Fund Available: October 2010Date Fund Created: January 1999
Fund Manager: ManulifeTotal Units Outstanding: 9,634,735
Total Fund Value: $207,145,399Portfolio Turnover Rate: 45.12%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF encore Series 2 2,500 1.68 0.19 18.9827 11,051
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, ETFs, mutual funds and unit trusts. The underlying funds hold primarily Canadian equities and Canadian fixed income investments.
Top 10 investments%
Manulife Strategic Income Fund 9.94%Manulife Canadian Bond Fund 9.87%Manulife Canadian Mortgage Investment Fund 7.44%Manulife Corporate Bond Fund 7.03%Manulife Dividend Income Fund 5.91%Manulife Global Dividend Fund 5.44%Manulife Emerging Markets Fund 5.03%Manulife Canadian Unconstrained Bond Fund 5.01%Manulife Fundamental Equity Fund 4.94%Manulife Canadian Universe Bond Fund 4.83%
Total 65.43%
Total investments: 20
Investment SegmentationColours Weight % Name
27.58% Canadian Bonds21.69% International Equity17.66% U.S. Equity14.77% Canadian Equity10.76% U.S. Bonds3.71% Global Bonds3.37% Cash and Equivalents0.53% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,841.85 on December 31, 2020. This works out to an average of 6.30% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Simplicity Balanced Portfolio GIF (no-load)
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF (no-load) 2 of 3
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF encore Series 2 1.68 0.19
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
No Load Sales Charge
There are no charges to you. No Sales Charges or upfront commission will be charged or paid on any amount invested in this Fund.
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.Trailing commission
Manulife pays a trailing commission of up to 0.50% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF (no-load) — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The Portfolio aims to achieve long term growth consistent with safety of capital. Manulife Simplicity Balanced Portfolio (the “Portfolio”) is a strategic asset allocation portfolio. It invests its assets in other mutual funds managed by us (the “Underlying Funds”) focusing on Canadian equity and fixed income funds. The Portfolio may also invest in foreign equity and money market funds within permitted ranges. The portfolio advisor may move up to 25% of the net assets of the Portfolio into cash if it feels that market conditions warrant it.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIFThe Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Simplicity Balanced Portfolio GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: January 1999
Fund Manager: ManulifeTotal Units Outstanding: 9,634,735
Total Fund Value: $207,145,399Portfolio Turnover Rate: 45.12%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.20 2.15 22.0378 659,009
GIF Series 2 2,500 2.87 2.15 21.8966 2,440,872
GIF encore Series 1 2,500 3.19 2.15 22.9477 1,809,674
GIF encore Series 2 2,500 2.87 2.15 21.8966 2,750,999
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, ETFs, mutual funds and unit trusts. The underlying funds hold primarily Canadian equities and Canadian fixed income investments.
Top 10 investments%
Manulife Strategic Income Fund 9.94%Manulife Canadian Bond Fund 9.87%Manulife Canadian Mortgage Investment Fund 7.44%Manulife Corporate Bond Fund 7.03%Manulife Dividend Income Fund 5.91%Manulife Global Dividend Fund 5.44%Manulife Emerging Markets Fund 5.03%Manulife Canadian Unconstrained Bond Fund 5.01%Manulife Fundamental Equity Fund 4.94%Manulife Canadian Universe Bond Fund 4.83%
Total 65.43%
Total investments: 20
Investment SegmentationColours Weight % Name
27.58% Canadian Bonds21.69% International Equity17.66% U.S. Equity14.77% Canadian Equity10.76% U.S. Bonds3.71% Global Bonds3.37% Cash and Equivalents0.53% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,633.48 on December 31, 2020. This works out to an average of 5.03% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Simplicity Balanced Portfolio GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.20 2.15
GIF Series 2 2.87 2.15
GIF encore Series 1 3.19 2.15
GIF encore Series 2 2.87 2.15
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Simplicity Balanced Portfolio GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The Portfolio aims to achieve long term growth consistent with safety of capital. Manulife Simplicity Balanced Portfolio (the “Portfolio”) is a strategic asset allocation portfolio. It invests its assets in other mutual funds managed by us (the “Underlying Funds”) focusing on Canadian equity and fixed income funds. The Portfolio may also invest in foreign equity and money market funds within permitted ranges. The portfolio advisor may move up to 25% of the net assets of the Portfolio into cash if it feels that market conditions warrant it.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Simplicity Global Balanced Portfolio GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Simplicity Global Balanced Portfolio GIFThe Manufacturers Life Insurance Company — Manulife Simplicity Global Balanced Portfolio GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Simplicity Global Balanced Portfolio GIF
Quick FactsDate Fund Available: October 2007Date Fund Created: April 2007
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 35,050,085
Total Fund Value: $662,623,064Portfolio Turnover Rate: 9.81%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.55 2.21 17.1334 155,590
GIF Series 2 2,500 3.17 2.21 18.0510 555,643
GIF encore Series 1 2,500 3.55 2.21 17.1334 317,530
GIF encore Series 2 2,500 3.17 2.21 18.0510 473,029
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Simplicity Global Balanced Portfolio. The underlying mutual fund trust holds primarily foreign equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Manulife Bond Fund 11.87%Manulife Corporate Bond Fund 10.91%Manulife Strategic Income Fund 8.88%Manulife Emerging Markets Fund 6.05%Manulife World Investment Class 5.93%Manulife Multifactor Developed International 5.74%Manulife U.S. All Cap Equity Fund 5.19%Manulife Covered Call U.S. Equity Fund 5.18%Manulife U.S. Unconstrained Bond Fund 4.96%Manulife Dividend Income Fund 4.96%
Total 69.67%
Total investments: 18
Investment SegmentationColours Weight % Name
26.24% International Equity18.95% U.S. Equity17.61% Canadian Bonds15.13% U.S. Bonds9.43% Canadian Equity8.39% Global Bonds3.60% Cash and Equivalents0.89% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,757.76 on December 31, 2020. This works out to an average of 5.80% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Simplicity Global Balanced Portfolio GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Simplicity Global Balanced Portfolio GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.55 2.21
GIF Series 2 3.17 2.21
GIF encore Series 1 3.55 2.21
GIF encore Series 2 3.17 2.21
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Simplicity Global Balanced Portfolio GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Portfolio aims to obtain long term returns consistent with safety of capital. Manulife Simplicity Global Balanced Portfolio (the “Portfolio”) is a strategic asset allocation portfolio. It invests its assets in other mutual funds (the “Underlying Funds”) focusing on global equity and fixed income funds. The portfolio advisor may move up to 25% of the net assets of the Portfolio into cash if it feels that market conditions warrant.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife U.S. Monthly High Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife U.S. Monthly High Income GIFThe Manufacturers Life Insurance Company — Manulife U.S. Monthly High Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife U.S. Monthly High Income GIF
Quick FactsDate Fund Available: September 2014Date Fund Created: April 2014
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 107,707,655
Total Fund Value: $1,720,745,028Portfolio Turnover Rate: 6.03%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.46 2.49 15.0747 245,066
GIF Series 2 2,500 3.04 2.13 15.4536 1,056,568
GIF encore Series 1 2,500 3.44 2.49 15.1025 563,305
GIF encore Series 2 2,500 3.04 2.13 15.4536 620,407
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife U.S. Monthly High Income Fund. The underlying mutual fund trust holds primarily U.S. equities and U.S. fixed income investments.
Top 10 investments (of the underlying fund)%
Thermo Fisher Scientific Inc. 4.35%Roper Technologies Inc. 3.13%Danaher Corp. Mandatory Conv Pfd Ser A 4.75%, 4.75% 3.07%Zoetis Inc. Cl A 2.94%Cintas Corp. 2.88%Amazon.com Inc. 2.87%Sherwin-Williams Co. 2.82%S&P Global Inc. 2.75%NVIDIA Corp. 2.48%Home Depot Inc. 2.40%
Total 29.70%
Total investments: 1036
Investment SegmentationColours Weight % Name
61.94% U.S. Equity26.96% U.S. Bonds3.43% Other3.33% Global Bonds2.72% International Equity1.49% Cash and Equivalents0.42% Canadian Bonds
How has the fund performed?This section tells you how the fund has performed over the past 6 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on September 19, 2014 has $1,545.36 on December 31, 2020. This works out to an average of 7.17% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 6 years for a contractholder who chose the GIF Series 2. In the last 6 years the fund was up in value 5 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife U.S. Monthly High Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife U.S. Monthly High Income GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.46 2.49
GIF Series 2 3.04 2.13
GIF encore Series 1 3.44 2.49
GIF encore Series 2 3.04 2.13
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife U.S. Monthly High Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Balanced Fund seeks to provide a combination of income and capital appreciation by investing primarily in a diversified portfolio of U.S. dividend paying and other equity securities as well as fixed income securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Diversified Investment GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Diversified Investment GIFThe Manufacturers Life Insurance Company — Manulife Diversified Investment GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Diversified Investment GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 32,083,359
Total Fund Value: $776,090,151Portfolio Turnover Rate: 8.13%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.46 2.05 21.0471 268,724
GIF Series 2 2,500 3.12 2.05 21.9986 748,245
GIF encore Series 1 2,500 3.46 2.05 21.0471 577,182
GIF encore Series 2 2,500 3.12 2.05 21.9986 617,942
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Diversified Investment Fund. The underlying mutual fund trust holds primarily foreign equities and Canadian fixed income investments.
Top 10 investments (of the underlying fund)%
Gov. of Canada, 1.25%, 3/1/2025 2.25%Canada Housing Trust No.1, 1.9%, 9/15/2026 1.90%Province of Ontario, 4.65%, 6/2/2041 1.34%Canada Housing Trust No.1, 1.95%, 12/15/2025 1.33%Province of Ontario, 2.6%, 6/2/2027 1.27%Gov. of Canada Treasury Bill, 4/1/2021 1.23%Province of Quebec, 3.1%, 12/1/2051 1.14%Province of Ontario, 2.8%, 6/2/2048 1.11%Thomson Reuters Corp., 0.02%, 5/14/2025 0.98%Canada Housing Trust No.1, 2.25%, 12/15/2025 0.96%
Total 13.51%
Total investments: 385
Investment SegmentationColours Weight % Name
32.05% Canadian Bonds26.27% International Equity19.90% U.S. Equity16.58% Canadian Equity4.31% Cash and Equivalents1.08% U.S. Bonds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $2,007.55 on December 31, 2020. This works out to an average of 7.22% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 9 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Diversified Investment GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Diversified Investment GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.46 2.05
GIF Series 2 3.12 2.05
GIF encore Series 1 3.46 2.05
GIF encore Series 2 3.12 2.05
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Diversified Investment GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Balanced Fund aims to achieve long-term growth. The Fund invests for high long-term, after-tax rates of return. The portfolio sub-advisor intends to achieve this objective by investing in a diversified mix of common shares, preferred shares, treasury bills, short-term notes, debentures and bonds. The Fund may also invest up to all of its assets in other Manulife funds.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity Disciplined Equity Bundle GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity Disciplined Equity Bundle GIFThe Manufacturers Life Insurance Company — Manulife Fidelity Disciplined Equity Bundle GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity Disciplined Equity Bundle GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Fund Manager: ManulifeTotal Units Outstanding: 12,695,844
Total Fund Value: $247,135,162Portfolio Turnover Rate: 12.85%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.65 2.10 17.0275 45,563
GIF Series 2 2,500 3.35 2.10 17.7223 212,528
GIF encore Series 1 2,500 3.65 2.10 17.0275 69,000
GIF encore Series 2 2,500 3.35 2.10 17.7223 135,128
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, mutual funds. The underlying funds hold primarily foreign equities and Canadian fixed income investments.
Top 10 investments%
Fidelity Global Disciplined Equity® Fund 50.33%Fidelity Canadian Bond Fund 29.91%Fidelity Canadian Disciplined Equity Fund 20.01%
Total 100.25%
Total investments: 3
Investment SegmentationColours Weight % Name
29.83% U.S. Equity27.05% Canadian Bonds20.08% International Equity19.16% Canadian Equity2.00% Cash and Equivalents1.78% U.S. Bonds0.22% Global Bonds0.06% Mutual Funds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,786.29 on December 31, 2020. This works out to an average of 5.97% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Fidelity Disciplined Equity Bundle GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity Disciplined Equity Bundle GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.65 2.10
GIF Series 2 3.35 2.10
GIF encore Series 1 3.65 2.10
GIF encore Series 2 3.35 2.10
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity Disciplined Equity Bundle GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The bundle is an investment solution that incorporates components from three Fidelity Mutual Funds including a global equity fund, a Canadian equity fund, and a fixed income fund. Typically, this fund will maintain an asset mix of approximately 20% fixed income investments and 80% equities.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife National Bank Bundle GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife National Bank Bundle GIFThe Manufacturers Life Insurance Company — Manulife National Bank Bundle GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife National Bank Bundle GIF
Quick FactsDate Fund Available: October 2016Date Fund Created: October 2016
Fund Manager: ManulifeTotal Units Outstanding: 22,253,337
Total Fund Value: $312,161,568Portfolio Turnover Rate: 18.43%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.69 2.28 13.5975 90,643
GIF Series 2 2,500 3.26 2.28 13.8249 443,613
GIF encore Series 1 2,500 3.65 2.28 13.6041 265,555
GIF encore Series 2 2,500 3.27 2.28 13.8314 372,400
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, mutual funds. The underlying funds hold primarily foreign equities and Canadian fixed income investments.
Top 10 investments%
National Bank Global Equity Fund 50.82%National Bank Bond Fund 29.83%National Bank Canadian All Cap Equity Fund 19.61%
Total 100.26%
Total investments: 3
Investment SegmentationColours Weight % Name
31.09% U.S. Equity29.02% Canadian Bonds21.83% International Equity17.00% Canadian Equity0.64% Other0.61% Global Bonds
How has the fund performed?This section tells you how the fund has performed over the past 4 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on October 14, 2016 has $1,382.49 on December 31, 2020. This works out to an average of 7.99% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 4 years for a contractholder who chose the GIF Series 2. In the last 4 years the fund was up in value 3 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife National Bank Bundle GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife National Bank Bundle GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.69 2.28
GIF Series 2 3.26 2.28
GIF encore Series 1 3.65 2.28
GIF encore Series 2 3.27 2.28
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife National Bank Bundle GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The bundle is an investment solution that incorporates components from three National Bank Mutual Funds including a global equity fund, a Canadian equity fund, and a fixed income fund. Typically, this fund will maintain an asset mix of approximately 20% fixed income investments and 80% equities.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Opportunities Bundle GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Opportunities Bundle GIFThe Manufacturers Life Insurance Company — Manulife Opportunities Bundle GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Opportunities Bundle GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Fund Manager: ManulifeTotal Units Outstanding: 16,562,459
Total Fund Value: $302,509,822Portfolio Turnover Rate: 9.82%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.59 2.10 16.0981 29,012
GIF Series 2 2,500 3.31 2.10 16.7363 138,431
GIF encore Series 1 2,500 3.59 2.10 16.0981 68,494
GIF encore Series 2 2,500 3.31 2.10 16.7363 110,014
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, mutual funds. The underlying funds hold primarily foreign equities and Canadian fixed income investments.
Top 10 investments%
Manulife Global Dividend Fund 50.27%Manulife Fundamental Equity Fund 20.02%Manulife Corporate Bond Fund 15.02%Manulife Strategic Income Fund 14.92%
Total 100.23%
Total investments: 4
Investment SegmentationColours Weight % Name
33.43% U.S. Equity26.82% International Equity14.84% U.S. Bonds10.54% Canadian Equity6.75% Canadian Bonds5.37% Global Bonds1.92% Cash and Equivalents0.54% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,510.83 on December 31, 2020. This works out to an average of 4.21% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Opportunities Bundle GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Opportunities Bundle GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.59 2.10
GIF Series 2 3.31 2.10
GIF encore Series 1 3.59 2.10
GIF encore Series 2 3.31 2.10
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Opportunities Bundle GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The bundle is an investment solution that incorporates components from four Manulife Mutual Funds including two global equity funds, a Canadian equity fund, and a fixed income fund. Typically, this fund will maintain an asset mix of approximately 20% fixed income investments and 80% equities.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Simplicity Growth Portfolio GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Simplicity Growth Portfolio GIFThe Manufacturers Life Insurance Company — Manulife Simplicity Growth Portfolio GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Simplicity Growth Portfolio GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: January 1999
Fund Manager: ManulifeTotal Units Outstanding: 7,845,957
Total Fund Value: $168,119,902Portfolio Turnover Rate: 41.32%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.55 2.20 23.2108 445,510
GIF Series 2 2,500 3.09 2.20 23.1679 1,384,197
GIF encore Series 1 2,500 3.53 2.20 24.2821 725,299
GIF encore Series 2 2,500 3.09 2.20 23.1679 1,469,668
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into a basket of funds which includes, but is not limited to, ETFs, mutual funds and unit trusts. The underlying funds hold primarily Canadian equities and Canadian fixed income investments.
Top 10 investments%
Manulife Strategic Income Fund 9.64%Manulife Corporate Bond Fund 7.81%Manulife Dividend Income Fund 7.47%Manulife Fundamental Equity Fund 6.70%Manulife World Investment Fund 5.62%Manulife U.S. All Cap Equity Fund 5.61%Manulife Canadian Unconstrained Bond Fund 5.57%Manulife Covered Call U.S. Equity Fund 5.55%Manulife Global Dividend Fund 5.50%MLF EAFE Equity Fund 5.46%
Total 64.93%
Total investments: 19
Investment SegmentationColours Weight % Name
30.71% International Equity23.20% U.S. Equity17.33% Canadian Equity11.49% Canadian Bonds10.18% U.S. Bonds3.66% Global Bonds2.92% Cash and Equivalents0.62% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,764.13 on December 31, 2020. This works out to an average of 5.84% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.
Manulife Simplicity Growth Portfolio GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Simplicity Growth Portfolio GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.55 2.20
GIF Series 2 3.09 2.20
GIF encore Series 1 3.53 2.20
GIF encore Series 2 3.09 2.20
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Simplicity Growth Portfolio GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The Portfolio aims to provide long-term capital growth and increased foreign content exposure. Manulife Simplicity Growth Portfolio (the “Portfolio”) is a strategic asset allocation portfolio. It invests its assets in other mutual funds managed by us (the “Underlying Funds”) focusing on Canadian and foreign equity funds. The portfolio advisor may move up to 25% of the net assets of the Portfolio into cash if it feels that market conditions warrant it.
Strategy: This fund will invest in units of multiple underlying funds. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Canadian Investment Class GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Canadian Investment Class GIFThe Manufacturers Life Insurance Company — Manulife Canadian Investment Class GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Canadian Investment Class GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 4,035,285
Total Fund Value: $88,637,080Portfolio Turnover Rate: 9.37%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.16 2.18 18.8676 8,926
GIF Series 2 2,500 3.52 2.18 20.2370 167,338
GIF encore Series 1 2,500 4.16 2.18 18.8676 49,677
GIF encore Series 2 2,500 3.52 2.18 20.2370 83,313
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Canadian Investment Class. The underlying corporate class mutual fund holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
Royal Bank of Canada 5.31%Canadian Pacific Railway Ltd. 5.22%Toronto-Dominion Bank Com New 5.14%Shopify Inc. Cl A 3.74%Telus Corp. 3.51%Brookfield Asset Management Inc. Voting Shs Cl A 3.32%Canadian Natural Resources Ltd. 3.18%Thomson Reuters Corp. Com New 3.02%Ritchie Bros. Auctioneers Inc. 2.89%Toromont Industries Ltd. 2.83%
Total 38.17%
Total investments: 46
Investment SegmentationColours Weight % Name
98.40% Canadian Equity1.66% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,887.47 on December 31, 2020. This works out to an average of 6.56% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Canadian Investment Class GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Canadian Investment Class GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.16 2.18
GIF Series 2 3.52 2.18
GIF encore Series 1 4.16 2.18
GIF encore Series 2 3.52 2.18
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Canadian Investment Class GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Canadian Equity Fund aims to obtain long-term capital growth. The Fund seeks to provide above average long-term returns by investing in large-cap securities of Canadian companies. Treasury bills or short-term investments, not exceeding three years to maturity, may also be used from time to time.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Disciplined Equity GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Disciplined Equity GIFThe Manufacturers Life Insurance Company — Manulife Fidelity Canadian Disciplined Equity GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity Canadian Disciplined Equity GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Underlying Fund Manager: Fidelity Investments Canada ULCTotal Units Outstanding: 5,998,764
Total Fund Value: $137,349,648Portfolio Turnover Rate: 10.11%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.03 2.33 15.6046 204,040
GIF Series 2 2,500 3.45 2.33 16.7274 362,672
GIF encore Series 1 2,500 4.03 2.33 15.6046 340,440
GIF encore Series 2 2,500 3.45 2.33 16.7274 394,274
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Fidelity Canadian Disciplined Equity Fund. The underlying mutual fund trust holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
Royal Bank of Canada 7.95%Barrick Gold Corporation 5.70%Canadian Pacific Railway Ltd. 4.89%Toronto-Dominion Bank Com New 4.65%Brookfield Asset Management Inc. Voting Shs Cl A 4.38%Shopify Inc. Cl A 2.91%Alimentation Couche-Tard Inc. Sub Vtg Sh 2.91%Agnico-Eagle Mines Ltd. 2.74%TC Energy Corp. 2.72%Sun Life Financial Inc. 2.59%
Total 41.43%
Total investments: 106
Investment SegmentationColours Weight % Name
88.06% Canadian Equity7.80% U.S. Equity2.93% Cash and Equivalents1.24% International Equity
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,556.25 on December 31, 2020. This works out to an average of 4.52% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Fidelity Canadian Disciplined Equity GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Disciplined Equity GIF 2 of 3
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•
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•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.03 2.33
GIF Series 2 3.45 2.33
GIF encore Series 1 4.03 2.33
GIF encore Series 2 3.45 2.33
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity Canadian Disciplined Equity GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The fund aims to achieve long term capital growth. It invests primarily in equity securities of Canadian companies.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity True North GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity True North GIFThe Manufacturers Life Insurance Company — Manulife Fidelity True North GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity True North GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: January 1997
Underlying Fund Manager: Fidelity Investments Canada ULCTotal Units Outstanding: 8,344,453
Total Fund Value: $282,364,372Portfolio Turnover Rate: 9.56%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.99 2.45 45.3703 940,443
GIF Series 2 2,500 3.45 2.45 29.4189 1,426,850
GIF encore Series 1 2,500 3.99 2.45 36.4072 1,050,568
GIF encore Series 2 2,500 3.45 2.45 29.4189 1,273,522
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Fidelity True North Fund. The underlying mutual fund trust holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
Royal Bank of Canada 6.88%Toronto-Dominion Bank Com New 5.20%Shopify Inc. Cl A 3.76%Barrick Gold Corporation 3.30%Canadian National Railwaypany 3.20%Brookfield Asset Management Inc. Voting Shs Cl A 3.02%Dollarama Inc. 3.01%Suncor Energy Inc. 2.98%Canadian Natural Resources Ltd. 2.69%Alimentation Couche-Tard Inc. Sub Vtg Sh 2.65%
Total 36.69%
Total investments: 166
Investment SegmentationColours Weight % Name
89.05% Canadian Equity7.33% U.S. Equity1.96% International Equity1.49% Cash and Equivalents0.07% Canadian Bonds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,701.82 on December 31, 2020. This works out to an average of 5.46% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Fidelity True North GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity True North GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.99 2.45
GIF Series 2 3.45 2.45
GIF encore Series 1 3.99 2.45
GIF encore Series 2 3.45 2.45
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity True North GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to achieve long-term capital growth. It invests primarily in equity securities of Canadian companies.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Dividend Income GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Dividend Income GIFThe Manufacturers Life Insurance Company — Manulife Dividend Income GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Dividend Income GIF
Quick FactsDate Fund Available: October 2013Date Fund Created: April 2013
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 42,135,697
Total Fund Value: $942,378,641Portfolio Turnover Rate: 6.67%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.67 2.50 21.1086 721,066
GIF Series 2 2,500 3.26 2.50 21.7710 611,607
GIF encore Series 1 2,500 3.66 2.50 21.1268 603,388
GIF encore Series 2 2,500 3.26 2.50 21.7710 386,436
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Dividend Income Fund. The underlying mutual fund trust holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
Thomson Reuters Corp. Com New 4.09%Waste Connections Inc. 4.02%Canadian Pacific Railway Ltd. 4.02%Thermo Fisher Scientific Inc. 3.97%Constellation Software Inc. 3.91%Roper Technologies Inc. 3.77%Brookfield Renewable Corporation Cl A Sub Vtg 3.25%NextEra Energy Inc. Corporate Unit, 4.872%, 9/1/2022 2.70%FirstService Corporation 2.50%Danaher Corp. Mandatory Conv Pfd Ser A 4.75%, 4.75% 2.46%
Total 34.68%
Total investments: 221
Investment SegmentationColours Weight % Name
44.14% U.S. Equity39.25% Canadian Equity5.11% U.S. Bonds4.39% Canadian Bonds3.33% International Equity2.27% Other1.23% Cash and Equivalents0.65% Global Bonds
How has the fund performed?This section tells you how the fund has performed over the past 7 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on October 7, 2013 has $2,177.10 on December 31, 2020. This works out to an average of 11.36% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 7 years for a contractholder who chose the GIF Series 2. In the last 7 years the fund was up in value 5 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Dividend Income GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Dividend Income GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.67 2.50
GIF Series 2 3.26 2.50
GIF encore Series 1 3.66 2.50
GIF encore Series 2 3.26 2.50
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Dividend Income GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Canadian Equity Fund seeks to provide a combination of income and long-term capital appreciation. The Fund will invest in a diversified portfolio, of which the equity portion will be comprised of mainly Canadian dividend paying common and preferred equity securities. The Fund may also invest in real estate investment trusts (“REITs”) and royalty trusts. A portion of the Fund’s assets may also be held in foreign securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Canadian Small Cap GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Canadian Small Cap GIFThe Manufacturers Life Insurance Company — Manulife Canadian Small Cap GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Canadian Small Cap GIF
Quick FactsDate Fund Available: April 2014Date Fund Created: December 2000
Fund Manager: ManulifeTotal Units Outstanding: 212,684
Total Fund Value: $6,831,096Portfolio Turnover Rate: 2.59%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.20 2.55 11.0940 10
GIF Series 2 2,500 3.65 2.55 11.8270 10
GIF encore Series 1 2,500 4.24 2.55 11.0750 10
GIF encore Series 2 2,500 3.65 2.55 11.8270 —
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure that invests into the Manulife Canadian Growth Fund unit trust. The underlying unit trust holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
StorageVault Canada Inc. 3.50%Park Lawn Corporation 3.28%Boyd Group Services Inc. 3.20%WPT Industrial REIT Tr Unit 3.18%Tricon Residential Inc. 3.11%Innergex Renewable Energy Inc. 3.10%Cargojet Inc. Com Variable Vtg 2.94%Element Fleet Management Corp. 2.81%Brookfield Business Partners L.P. Unit Ltd Partnership 2.70%Parkland Corp. 2.63%
Total 30.45%
Total investments: 55
Investment SegmentationColours Weight % Name
77.46% Canadian Equity17.94% U.S. Equity2.70% International Equity1.77% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 6 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on April 7, 2014 has $1,163.53 on December 31, 2020. This works out to an average of 2.27% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 6 years for a contractholder who chose the GIF Series 2. In the last 6 years the fund was up in value 4 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Canadian Small Cap GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Canadian Small Cap GIF 2 of 3
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•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.20 2.55
GIF Series 2 3.65 2.55
GIF encore Series 1 4.24 2.55
GIF encore Series 2 3.65 2.55
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Canadian Small Cap GIF — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: This fund seeks to achieve long-term capital appreciation, this Fund invests in the common stocks of Canadian companies with small to mid-sized market capitalization that have the potential for above-average growth.
Strategy: The portfolio manager uses both quantitative and qualitative analysis to determine the best investment ideas, emphasizing securities that are believed to be attractively priced with growth potential. The portfolio manager utilizes a proprietary quantitative screen to analyze a dynamic universe of companies seeking to identify those that are attractive based on management quality, growth indicators and market recognition. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Growth Opportunities GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Growth Opportunities GIFThe Manufacturers Life Insurance Company — Manulife Growth Opportunities GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Growth Opportunities GIF
Quick FactsDate Fund Available: July 2002Date Fund Created: July 2002
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 2,294,300
Total Fund Value: $51,368,371Portfolio Turnover Rate: 11.45%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.05 2.55 27.5800 38,336
GIF Series 2 2,500 3.52 2.55 30.4297 181,851
GIF encore Series 1 2,500 4.09 2.55 27.5121 435,708
GIF encore Series 2 2,500 3.52 2.55 30.4297 127,966
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Growth Opportunities Fund. The underlying mutual fund trust holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
StorageVault Canada Inc. 3.58%Park Lawn Corporation 3.28%Boyd Group Services Inc. 3.21%WPT Industrial REIT Tr Unit 3.17%Tricon Residential Inc. 3.11%Innergex Renewable Energy Inc. 3.11%Cargojet Inc. Com Variable Vtg 2.95%Element Fleet Management Corp. 2.82%Brookfield Business Partners L.P. Unit Ltd Partnership 2.72%Parkland Corp. 2.63%
Total 30.57%
Total investments: 57
Investment SegmentationColours Weight % Name
77.53% Canadian Equity17.95% U.S. Equity2.72% International Equity2.06% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,262.70 on December 31, 2020. This works out to an average of 2.36% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 6 years and down in value 4 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Growth Opportunities GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Growth Opportunities GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.05 2.55
GIF Series 2 3.52 2.55
GIF encore Series 1 4.09 2.55
GIF encore Series 2 3.52 2.55
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Growth Opportunities GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: This Canadian Equity Fund aims to obtain long-term capital growth. The Fund invests primarily in high quality securities and convertible instruments of small- and mid-cap Canadian companies.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife CI Canadian Investment GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife CI Canadian Investment GIFThe Manufacturers Life Insurance Company — Manulife CI Canadian Investment GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife CI Canadian Investment GIF
Quick FactsDate Fund Available: January 2001Date Fund Created: January 1998
Underlying Fund Manager: CI Investments Inc.Total Units Outstanding: 3,070,709
Total Fund Value: $67,692,597Portfolio Turnover Rate: 4.42%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.28 2.60 28.7485 180,314
GIF Series 2 2,500 3.61 2.60 24.8343 715,649
GIF encore Series 1 2,500 4.26 2.60 27.6468 506,656
GIF encore Series 2 2,500 3.61 2.60 24.8343 607,158
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the CI Canadian Investment Fund. The underlying mutual fund trust holds primarily Canadian and U.S. equities.
Top 10 investments (of the underlying fund)%
Brookfield Asset Management Inc. Voting Shs Cl A 4.34%Royal Bank of Canada 3.77%Toronto-Dominion Bank Com New 3.52%Canadian Tire Corporation, Limited Cl A 3.50%Amazon.com Inc. 3.48%Bank of Nova Scotia (The) 3.28%Alphabet Inc. Cl A 3.25%Booking Holdings Inc. 3.20%Microsoft Corp. 3.16%Humana Inc. 3.10%
Total 34.61%
Total investments: 38
Investment SegmentationColours Weight % Name
47.58% Canadian Equity46.84% U.S. Equity3.61% Cash and Equivalents2.20% International Equity0.05% Other
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,252.58 on December 31, 2020. This works out to an average of 2.28% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 6 years and down in value 4 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife CI Canadian Investment GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife CI Canadian Investment GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.28 2.60
GIF Series 2 3.61 2.60
GIF encore Series 1 4.26 2.60
GIF encore Series 2 3.61 2.60
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife CI Canadian Investment GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The fund's objective is to achieve long-term capital growth by investing primarily in shares of major Canadian corporations. It invests primarily in the securities of the largest companies (by capitalization) listed on the Toronto Stock Exchange.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fundamental Equity GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fundamental Equity GIFThe Manufacturers Life Insurance Company — Manulife Fundamental Equity GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fundamental Equity GIF
Quick FactsDate Fund Available: January 2004Date Fund Created: January 2004
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 13,019,602
Total Fund Value: $288,491,210Portfolio Turnover Rate: 8.84%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.77 2.55 25.6907 614,871
GIF Series 2 2,500 3.20 2.55 28.1757 1,308,715
GIF encore Series 1 2,500 3.74 2.55 25.7202 1,332,709
GIF encore Series 2 2,500 3.20 2.55 28.1757 1,133,609
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Fundamental Equity Fund. The underlying mutual fund trust holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
CGI Inc. Cl A Sub Vtg 5.33%Microsoft Corp. 5.14%Intact Financial Corporation 4.32%Constellation Software Inc. 3.59%Canadian National Railwaypany 3.56%TMX Group Limited 3.43%Visa Inc. Com Cl A 3.31%Brookfield Asset Management Inc. Voting Shs Cl A 3.27%Boston Scientific Corp. 3.25%Wolters Kluwer N.V. Shs 3.01%
Total 38.20%
Total investments: 77
Investment SegmentationColours Weight % Name
51.20% Canadian Equity38.71% U.S. Equity8.76% International Equity1.17% Other0.39% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,873.15 on December 31, 2020. This works out to an average of 6.48% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Fundamental Equity GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fundamental Equity GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.77 2.55
GIF Series 2 3.20 2.55
GIF encore Series 1 3.74 2.55
GIF encore Series 2 3.20 2.55
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fundamental Equity GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund seeks to obtain long-term capital appreciation by investing primarily in Canadian equity securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Growth Class GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Growth Class GIFThe Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Growth Class GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Invesco Canadian Premier Growth Class GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: January 1997
Underlying Fund Manager: Invesco Canada Ltd.Total Units Outstanding: 2,063,577
Total Fund Value: $47,641,579Portfolio Turnover Rate: 1.49%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.27 2.70 28.5975 420,661
GIF Series 2 2,500 3.75 2.70 21.7929 456,830
GIF encore Series 1 2,500 4.24 2.70 24.2666 457,317
GIF encore Series 2 2,500 3.75 2.70 21.7929 390,068
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Invesco Canadian Premier Growth Class. The underlying corporate class mutual fund holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
Brookfield Asset Management Inc. Voting Shs Cl A 4.87%CGI Inc. Cl A Sub Vtg 4.05%Canadian National Railwaypany 3.60%Alimentation Couche-Tard Inc. Sub Vtg Sh 3.35%Toronto-Dominion Bank Com New 2.90%BRP Inc. Com Sub Vtg 2.38%TMX Group Limited 2.35%Wheaton Precious Metals Corp. 2.11%Fairfax Financial Holdings Ltd. Sub Vtg 2.06%Quebecor Inc. Cl B 2.06%
Total 29.73%
Total investments: 117
Investment SegmentationColours Weight % Name
55.60% Canadian Equity23.48% International Equity19.14% U.S. Equity2.06% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,485.28 on December 31, 2020. This works out to an average of 4.03% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Invesco Canadian Premier Growth Class GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Growth Class GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.27 2.70
GIF Series 2 3.75 2.70
GIF encore Series 1 4.24 2.70
GIF encore Series 2 3.75 2.70
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Invesco Canadian Premier Growth Class GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Invesco Canadian Premier Growth Class seeks to generate long-term capital growth by investing mainly in equities of small-, medium- and large-cap Canadian companies that offer growth potential.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife American Equity Index GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife American Equity Index GIFThe Manufacturers Life Insurance Company — Manulife American Equity Index GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife American Equity Index GIF
Quick FactsDate Fund Available: December 2002Date Fund Created: January 1998
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 477,834
Total Fund Value: $14,229,530Portfolio Turnover Rate: 5.59%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.52 2.10 22.5694 31,014
GIF Series 2 2,500 2.86 2.10 21.1041 47,984
GIF encore Series 1 2,500 3.40 2.10 24.4163 22,441
GIF encore Series 2 2,500 2.86 2.10 21.1041 45,111
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the MIM U.S. Equity Index Pooled Fund. The underlying pooled fund holds foreign equities.
Top 10 investments (of the underlying fund)%
Apple Inc. 6.16%Microsoft Corp. 4.89%Amazon.com Inc. 4.04%Federal Home Loan Banks, 0.01%, 1/11/2021 1.91%Facebook, Inc. Cl A 1.91%Tesla, Inc. 1.55%Alphabet Inc. Cl A 1.53%Alphabet Inc. Cap Stk Cl C 1.48%Berkshire Hathaway Inc. Cl B New 1.31%Johnson & Johnson 1.20%
Total 25.98%
Total investments: 509
Investment SegmentationColours Weight % Name
89.23% U.S. Equity3.98% Cash and Equivalents2.72% International Equity
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $3,427.38 on December 31, 2020. This works out to an average of 13.11% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder. In the past 10 years the Fund was up in value.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife American Equity Index GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife American Equity Index GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.52 2.10
GIF Series 2 2.86 2.10
GIF encore Series 1 3.40 2.10
GIF encore Series 2 2.86 2.10
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife American Equity Index GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The investment objective of the Fund is to achieve investment results that approximate the total return of the S&P 500 Stock index, one of the most watched indices of the American equity market.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity American Disciplined Equity GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity American Disciplined Equity GIFThe Manufacturers Life Insurance Company — Manulife Fidelity American Disciplined Equity GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity American Disciplined Equity GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Underlying Fund Manager: Fidelity Investments Canada ULCTotal Units Outstanding: 1,988,412
Total Fund Value: $78,957,269Portfolio Turnover Rate: 19.45%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.14 2.43 25.7163 123,571
GIF Series 2 2,500 3.62 2.43 27.5108 78,651
GIF encore Series 1 2,500 4.14 2.43 25.7163 69,502
GIF encore Series 2 2,500 3.62 2.43 27.5108 43,938
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Fidelity American Disciplined Equity Fund. The underlying mutual fund trust holds primarily U.S. equities.
Top 10 investments (of the underlying fund)%
Microsoft Corp. 6.35%Apple Inc. 5.40%Amazon.com Inc. 4.14%Alphabet Inc. Cl A 3.43%Johnson & Johnson 2.33%Facebook, Inc. Cl A 2.24%Visa Inc. Com Cl A 2.03%NVIDIA Corp. 1.87%Danaher Corp. 1.84%JPMorgan Chase & Co. 1.64%
Total 31.29%
Total investments: 103
Investment SegmentationColours Weight % Name
93.21% U.S. Equity5.46% International Equity1.56% Mutual Funds
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $2,935.58 on December 31, 2020. This works out to an average of 11.37% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Fidelity American Disciplined Equity GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity American Disciplined Equity GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.14 2.43
GIF Series 2 3.62 2.43
GIF encore Series 1 4.14 2.43
GIF encore Series 2 3.62 2.43
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity American Disciplined Equity GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The fund aims to achieve long-term capital growth. It invests primarily in equity securities of U.S. companies.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife U.S. Equity GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife U.S. Equity GIFThe Manufacturers Life Insurance Company — Manulife U.S. Equity GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife U.S. Equity GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 14,579,434
Total Fund Value: $517,635,020Portfolio Turnover Rate: 8.52%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.09 2.23 32.2454 303,553
GIF Series 2 2,500 3.55 2.23 34.5735 228,594
GIF encore Series 1 2,500 4.09 2.23 32.2454 364,358
GIF encore Series 2 2,500 3.55 2.23 34.5735 191,810
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife U.S. Equity Fund. The underlying mutual fund trust holds primarily foreign equities.
Top 10 investments (of the underlying fund)%
Alphabet Inc. Cap Stk Cl C 4.47%Visa Inc. Com Cl A 3.72%Microsoft Corp. 3.70%Marsh & McLennan Cos. 3.67%Verisk Analytics Inc. 3.51%Procter & Gamble Co. 2.95%AMETEK Inc. 2.83%Intuit Inc. 2.83%Amphenol Corp. Cl A 2.68%CME Group Inc. 2.66%
Total 33.00%
Total investments: 68
Investment SegmentationColours Weight % Name
91.53% U.S. Equity4.49% International Equity4.42% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $3,610.05 on December 31, 2020. This works out to an average of 13.70% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder. In the past 10 years the Fund was up in value.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife U.S. Equity GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife U.S. Equity GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.09 2.23
GIF Series 2 3.55 2.23
GIF encore Series 1 4.09 2.23
GIF encore Series 2 3.55 2.23
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife U.S. Equity GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to obtain long-term capital growth. The Fund seeks to provide above-average long-term rates of return by investing in common shares of U.S. companies. The Fund may also invest in treasury bills or short-term investments, not exceeding three years to maturity, from time to time.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife World Investment (Capped) GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife World Investment (Capped) GIFThe Manufacturers Life Insurance Company — Manulife World Investment (Capped) GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife World Investment (Capped) GIF
Quick FactsDate Fund Available: July 2008Date Fund Created: July 2008
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 2,592,210
Total Fund Value: $58,820,736Portfolio Turnover Rate: 1.45%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.16 2.27 20.3558 42,841
GIF Series 2 2,500 3.67 2.38 21.3543 440,784
GIF encore Series 1 2,500 4.16 2.27 20.3558 93,828
GIF encore Series 2 2,500 3.67 2.38 21.3543 292,367
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife World Investment Class. The underlying corporate class mutual fund holds primarily foreign equities.
Top 10 investments (of the underlying fund)%
Wolters Kluwer N.V. Shs 4.07%Aon Global Ltd. Shs Cl A 3.99%LVMH Moet Hennessy Louis Vuitton S.E. Shs 3.74%Bunzl PLC Shs 3.63%Taiwan Semiconductor Manufacturing Co. Ltd. Shs 3.49%L'Air Liquide S.A. Shs 2.93%Intertek Group PLC Shs 2.71%Assa Abloy AB Shs B New 2.70%Tsuruha Holdings Inc. Shs 2.69%Samsung Electronics Co. Ltd. Samsungelectronics 2.57%
Total 32.51%
Total investments: 62
Investment SegmentationColours Weight % Name
97.26% International Equity2.82% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $2,116.89 on December 31, 2020. This works out to an average of 7.79% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife World Investment (Capped) GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife World Investment (Capped) GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.16 2.27
GIF Series 2 3.67 2.38
GIF encore Series 1 4.16 2.27
GIF encore Series 2 3.67 2.38
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife World Investment (Capped) GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund seeks to provide long-term growth and capital gains to provide diversification of risk by investing primarily in equities of companies located outside of Canada and the United States.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Global All-Cap Focused GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Global All-Cap Focused GIFThe Manufacturers Life Insurance Company — Manulife Global All-Cap Focused GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Global All-Cap Focused GIF
Quick FactsDate Fund Available: October 2010Date Fund Created: October 2010
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 413,513
Total Fund Value: $6,255,972Portfolio Turnover Rate: 2.68%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.96 2.29 13.9601 10
GIF Series 2 2,500 3.52 2.29 14.7276 131,288
GIF encore Series 1 2,500 3.96 2.29 13.9601 9,890
GIF encore Series 2 2,500 3.52 2.29 14.7276 68,950
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Global All Cap Focused Fund. The underlying mutual fund trust holds primarily foreign equities.
Top 10 investments (of the underlying fund)%
Alphabet Inc. Cl A 4.33%Microsoft Corp. 4.27%Apple Inc. 3.93%Samsung Electronics Co. Ltd. Pfd Shs Non -Voting 3.59%Verizonmunications Inc. 3.25%Johnson & Johnson 3.20%Oracle Corp. 3.18%Unilever PLC Shs 3.12%Ahold Delhaize N.V. Royal Ahold N V Regarding Synthetic Share Buyback
3.06%
Compagnie Generale des Etablissements Michelin S.C.A. Shs Nom 2.90%
Total 34.82%
Total investments: 51
Investment SegmentationColours Weight % Name
49.45% International Equity49.22% U.S. Equity1.80% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $1,444.17 on December 31, 2020. This works out to an average of 3.74% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 6 years and down in value 4 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Global All-Cap Focused GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Global All-Cap Focused GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.96 2.29
GIF Series 2 3.52 2.29
GIF encore Series 1 3.96 2.29
GIF encore Series 2 3.52 2.29
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Global All-Cap Focused GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to protect capital and achieve maximum long-term capital growth by benefiting from diversification which global capital markets offer to investors by investing primarily in equity securities of companies operating in world markets.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Global Dividend GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Global Dividend GIFThe Manufacturers Life Insurance Company — Manulife Global Dividend GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Global Dividend GIF
Quick FactsDate Fund Available: September 2014Date Fund Created: September 2014
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 3,365,588
Total Fund Value: $53,315,104Portfolio Turnover Rate: 6.96%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.14 3.09 14.9248 21,830
GIF Series 2 2,500 3.50 2.55 15.5327 171,702
GIF encore Series 1 2,500 4.10 3.09 14.9678 63,932
GIF encore Series 2 2,500 3.50 2.55 15.5327 75,053
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Global Dividend Fund. The underlying mutual fund trust holds primarily foreign equities.
Top 10 investments (of the underlying fund)%
Alphabet Inc. Cl A 4.39%Microsoft Corp. 4.33%Apple Inc. 3.99%Samsung Electronics Co. Ltd. Pfd Shs Non -Voting 3.65%Verizonmunications Inc. 3.30%Johnson & Johnson 3.25%Ahold Delhaize N.V. Royal Ahold N V Regarding Synthetic Share Buyback
3.19%
Oracle Corp. 3.19%Unilever PLC Shs 3.17%Compagnie Generale des Etablissements Michelin S.C.A. Shs Nom 2.95%
Total 35.41%
Total investments: 51
Investment SegmentationColours Weight % Name
49.96% International Equity49.95% U.S. Equity0.54% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 6 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on September 19, 2014 has $1,553.27 on December 31, 2020. This works out to an average of 7.26% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 6 years for a contractholder who chose the GIF Series 2. In the last 6 years the fund was up in value 5 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Global Dividend GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Global Dividend GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.14 3.09
GIF Series 2 3.50 2.55
GIF encore Series 1 4.10 3.09
GIF encore Series 2 3.50 2.55
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Global Dividend GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund seeks long-term capital appreciation by investing primarily in a diversified portfolio of dividend paying global equity securities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Global Equity Class GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Global Equity Class GIFThe Manufacturers Life Insurance Company — Manulife Global Equity Class GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Global Equity Class GIF
Quick FactsDate Fund Available: May 2017Date Fund Created: October 2013
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 20,463,474
Total Fund Value: $439,646,929Portfolio Turnover Rate: 6.50%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 5.33 3.81 11.3148 58,922
GIF Series 2 2,500 3.64 2.44 13.3684 138,476
GIF encore Series 1 2,500 5.33 3.81 11.3148 223,285
GIF encore Series 2 2,500 3.64 2.44 13.3684 135,551
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Global Equity Class. The underlying corporate class mutual fund holds primarily foreign equities.
Top 10 investments (of the underlying fund)%
Microsoft Corp. 3.61%Wolters Kluwer N.V. Shs 3.47%Intercontinental Exchange, Inc. 3.34%Alphabet Inc. Cap Stk Cl C 3.22%Aon Global Ltd. Shs Cl A 3.17%Accenture PLC Shs Class A 2.97%Marsh & McLennan Cos. 2.87%Visa Inc. Com Cl A 2.83%Roche Holding AG Dividend Right Cert 2.70%Johnson & Johnson 2.65%
Total 30.83%
Total investments: 71
Investment SegmentationColours Weight % Name
53.03% International Equity41.04% U.S. Equity3.85% Cash and Equivalents2.30% Canadian Equity
How has the fund performed?This section tells you how the fund has performed over the past 3 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 on May 19, 2017 has $1,336.84 on December 31, 2020. This works out to an average of 8.35% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 3 years for a contractholder. In the past 3 years the Fund was up in value.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Global Equity Class GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Global Equity Class GIF 2 of 3
•
•
•
•
•
Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 5.33 3.81
GIF Series 2 3.64 2.44
GIF encore Series 1 5.33 3.81
GIF encore Series 2 3.64 2.44
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Global Equity Class GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to obtain long-term capital growth. The Fund seeks to provide above average long-term returns by investing in securities of companies around the world.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Invesco Global Diversified Companies GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Invesco Global Diversified Companies GIFThe Manufacturers Life Insurance Company — Manulife Invesco Global Diversified Companies GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Invesco Global Diversified Companies GIF
Quick FactsDate Fund Available: December 2000Date Fund Created: January 1997
Underlying Fund Manager: Invesco Canada Ltd.Total Units Outstanding: 2,761,034
Total Fund Value: $77,160,446Portfolio Turnover Rate: 7.01%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.13 2.50 32.3180 304,340
GIF Series 2 2,500 3.42 2.50 25.7246 528,662
GIF encore Series 1 2,500 4.13 2.50 27.7652 541,312
GIF encore Series 2 2,500 3.42 2.50 25.7246 546,762
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Invesco Global Diversified Companies Fund. The underlying mutual fund trust holds primarily foreign equities.
Top 10 investments (of the underlying fund)%
Alibaba Group Holding Ltd. Sponsored ADR Sponsored Ads 5.34%Scout24 AG Scout24 Ag Na O N 4.81%Edenred S.A. Shs 4.30%Eurofins Scientific SE Eurofins Scientific Se 4.27%Prosus N.V. Shs 4.13%Microsoft Corp. 3.77%Visa Inc. Com Cl A 3.43%Howden Joinery Group Plc Shs 3.27%Tencent Holdings Ltd. Shs Par New Hkd 0.00002 3.22%Ping An Insurance (Group) Company of China, Ltd. Shs -H - 3.10%
Total 39.64%
Total investments: 106
Investment SegmentationColours Weight % Name
67.11% International Equity28.74% U.S. Equity2.39% Cash and Equivalents2.09% Canadian Equity
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $2,866.90 on December 31, 2020. This works out to an average of 11.11% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Invesco Global Diversified Companies GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Invesco Global Diversified Companies GIF 2 of 3
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Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.13 2.50
GIF Series 2 3.42 2.50
GIF encore Series 1 4.13 2.50
GIF encore Series 2 3.42 2.50
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Invesco Global Diversified Companies GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Invesco Global Diversified Companies Fund seeks to achieve strong capital growth with a high degree of reliability over the long term. The Fund invests primarily in equities of companies anywhere in the world.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Ivy Foreign Equity GIF (Mackenzie) 1 of 3
The Manufacturers Life Insurance Company — Manulife Ivy Foreign Equity GIF (Mackenzie)The Manufacturers Life Insurance Company — Manulife Ivy Foreign Equity GIF (Mackenzie) — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Ivy Foreign Equity GIF (Mackenzie)
Quick FactsDate Fund Available: January 2005Date Fund Created: January 2005
Fund Manager: Mackenzie FinancialTotal Units Outstanding: 1,980,901
Total Fund Value: $45,048,561Portfolio Turnover Rate: 59.32%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.29 2.43 20.0893 672
GIF Series 2 2,500 3.75 2.43 21.8465 428,686
GIF encore Series 1 2,500 4.35 2.43 19.9537 54,160
GIF encore Series 2 2,500 3.75 2.43 21.8465 199,356
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund invests directly into a basket of securities holding primarily foreign equities.
Top 10 investments%
RBC 04JAN21 0.05% TD 7.40%Admiral Group plc Shs 3.71%Comcast Corp. Cl A 3.51%Grainger (W.W.) Inc. 3.43%Oracle Corp. 3.42%Reckitt Benckiser Group PLC Shs 2.98%Koninklijke Philips N.V. Philips Kon 2.92%Procter & Gamble Co. 2.88%Seven & i Holdings Co. Ltd. Shs 2.50%Henkel AG & Co. KGaA Henkel Ag+co Kgaa Vzo 2.38%
Total 35.13%
Total investments: 50
Investment SegmentationColours Weight % Name
45.46% International Equity41.92% U.S. Equity9.19% Cash and Equivalents3.71% Canadian Equity
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $2,056.65 on December 31, 2020. This works out to an average of 7.48% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 9 years and down in value 1 year.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Ivy Foreign Equity GIF (Mackenzie)
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Ivy Foreign Equity GIF (Mackenzie) 2 of 3
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Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.29 2.43
GIF Series 2 3.75 2.43
GIF encore Series 1 4.35 2.43
GIF encore Series 2 3.75 2.43
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Ivy Foreign Equity GIF (Mackenzie) — FF 06/21 AODA 3 of 3
Objective and StrategyObjective: The Fund seeks for long-term capital growth consistent with protection of capital. The Fund invests the majority of its assets in equity securities of American companies although the Fund's investments are not limited geographically and the Fund will pursue investments in other international markets. The Fund may also purchase fixed income securities if appropriate in relation to economic and market conditions.
Strategy: The portfolio advisor follows a blended value and growth investment style. While the team's focus is on companies which appear likely to have superior and relatively consistent longer term growth prospects, strong consideration is placed on assessing the investment's true worth relative to its stock price. The review process includes analysis of the company's competitive position, management strengths, expected profitability and financial position. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Tax-Managed Growth GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Tax-Managed Growth GIFThe Manufacturers Life Insurance Company — Manulife Tax-Managed Growth GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Tax-Managed Growth GIF
Quick FactsDate Fund Available: January 2002Date Fund Created: January 2002
Underlying Fund Manager: Manulife Investment Management LimitedTotal Units Outstanding: 892,226
Total Fund Value: $26,428,071Portfolio Turnover Rate: 8.05%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 3.74 2.30 31.7854 2,335
GIF Series 2 2,500 3.24 2.30 29.7920 139,844
GIF encore Series 1 2,500 3.64 2.30 27.4554 165,563
GIF encore Series 2 2,500 3.24 2.30 29.7920 86,583
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Manulife Tax- Managed Growth Fund. The underlying mutual fund trust holds primarily foreign equities.
Top 10 investments (of the underlying fund)%
Alphabet Inc. Cap Stk Cl C 1.63%Microsoft Corp. 1.44%Visa Inc. Com Cl A 1.39%Marsh & McLennan Cos. 1.28%Verisk Analytics Inc. 1.27%Aon Global Ltd. Shs Cl A 1.21%Wolters Kluwer N.V. Shs 1.13%Procter & Gamble Co. 1.10%Gov. of Canada Treasury Bill, 3/18/2021 1.09%Intuit Inc. 1.08%
Total 12.63%
Total investments: 285
Investment SegmentationColours Weight % Name
36.22% International Equity35.41% U.S. Equity26.42% Canadian Equity2.20% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $2,621.52 on December 31, 2020. This works out to an average of 10.12% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 8 years and down in value 2 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Tax-Managed Growth GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Tax-Managed Growth GIF 2 of 3
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Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 3.74 2.30
GIF Series 2 3.24 2.30
GIF encore Series 1 3.64 2.30
GIF encore Series 2 3.24 2.30
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Tax-Managed Growth GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The investment objective of this fund is to obtain after-tax portfolio efficiency to maximize overall after-tax returns by investing directly in high quality small-, mid- and large-cap Canadian, U.S. and international equities.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund. The strategy for this fund is available through the Investment Policy Statement (IPS).
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
The Manufacturers Life Insurance Company — Manulife Fidelity NorthStar GIF 1 of 3
The Manufacturers Life Insurance Company — Manulife Fidelity NorthStar GIFThe Manufacturers Life Insurance Company — Manulife Fidelity NorthStar GIF — FF 06/21 AODAof
Performance as at December 31, 2020
Fund Facts — GIF/GIF encore
Manulife Fidelity NorthStar GIF
Quick FactsDate Fund Available: January 2004Date Fund Created: January 2004
Underlying Fund Manager: Fidelity Investments Canada ULCTotal Units Outstanding: 6,086,210
Total Fund Value: $145,409,698Portfolio Turnover Rate: 8.85%
Guarantee option Minimum investment ($) MER (%) Management fee (%) Net asset value per unit ($) Units outstanding
GIF Series 1 2,500 4.24 2.70 21.9181 628,992
GIF Series 2 2,500 3.70 2.70 24.0196 1,186,833
GIF encore Series 1 2,500 4.23 2.70 21.9022 780,203
GIF encore Series 2 2,500 3.70 2.70 24.0196 847,870
This GIF and GIF encore Contract is no longer available for new sales effective October 5, 2009, unless it is a sale resulting from a transfer from an existing GIF and GIF encore Contract.
What does the fund invest in?This segregated fund has a “fund-of-fund” structure and invests into the Fidelity NorthStar Fund. The underlying mutual fund trust holds primarily Canadian equities.
Top 10 investments (of the underlying fund)%
Fidelity U.S. Money Market Investment Trust 6.34%Ottogi Corporation Shs 3.53%Imperial Brands PLC Shs 2.42%Suncor Energy Inc. 2.14%Microsoft Corp. 1.86%Itochu Corp. Shs 1.63%Simplo Technology Co., Ltd. Shs 1.48%Anthem Inc. 1.41%Canadian Natural Resources Ltd. 1.36%Amazon.com Inc. 1.34%
Total 23.51%
Total investments: 684
Investment SegmentationColours Weight % Name
54.37% International Equity31.03% U.S. Equity6.36% Canadian Equity6.34% Mutual Funds1.85% Cash and Equivalents
How has the fund performed?This section tells you how the fund has performed over the past 10 years for a contractholder who has chosen GIF Series 2. Returns are after the MER has been deducted.
It’s important to note that this doesn’t tell you how the fund will perform in the future.
Also, your actual return will depend on the guarantee option and sales charge option you choose and on your personal tax situation.
Average returnA person who invested $1,000 in the fund and chose the GIF Series 2 10 years ago has $2,164.06 on December 31, 2020. This works out to an average of 8.02% per year.
Year-by-year returns Any values close to zero may not be visible.
This chart shows how the fund has performed in each of the past 10 years for a contractholder who chose the GIF Series 2. In the last 10 years the fund was up in value 7 years and down in value 3 years.
For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.
Are there any guarantees?This fund is being offered under an insurance contract. It comes with guarantees that may protect your investment if the markets go down. The MER includes a separate insurance fee that is charged for the guarantees. For details, please refer to the Information Folder and Contract.
How risky is it?The value of your investments can go down. Please see the Information Folder for further details.
Who is this fund for?This fund may be right for a person seeking the potential for growth and who is comfortable with the ups and downs of the equity market.
Manulife Fidelity NorthStar GIF
Low Low to Medium Medium Medium to High High
The Manufacturers Life Insurance Company — Manulife Fidelity NorthStar GIF 2 of 3
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Guarantee option MER (Annual rate as a % of the fund value)
Management fee (%)
GIF Series 1 4.24 2.70
GIF Series 2 3.70 2.70
GIF encore Series 1 4.23 2.70
GIF encore Series 2 3.70 2.70
How much does it cost?The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option.
1. Sales Charges
Sales charge option What you pay How it works
Front End Sales Charge
Up to 3.0% of the amount you invest You and your advisor decide on the rate
The initial sales charge is deducted from the amount you invest. It is paid as a commission
Deferred Sales Charge (DSC)
If you sell within: GIF % GIF encore %1 year of buying 5.50 5.50
2 years of buying 4.50 5.00
3 years of buying 3.50 4.50
4 years of buying 2.50 3.75
5 years of buying 1.50 3.00
6 years of buying 0.00 2.00
7 years of buying 0.00 1.50
After 7 years 0.00 0.00
When you invest, Manulife pays a commission of 5.0%. Any sales charge you pay goes to Manulife.
The sales charge is deducted from the amount you sell
You can sell up to 10% (20% for RRIF tax types) of your units each year without paying a sales charge
You can switch to units of other funds within the same guarantee option and sales charge option without paying any sales charge. The sales charge schedule will be based on the date you invest in your first fund
2. Ongoing Fund ExpensesThe management expense ratio (MER) includes the management fee and operating expenses of the fund and, if applicable, any underlying fund(s). The MER includes the insurance cost for the guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Information Folder and Contract.
Trailing commission
Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.
3. Other FeesTrading Fees apply to all guarantee options and sales charge options and are paid to Manulife.
Fee What you pay
Frequent Trading Fee 2% of the value of units you trade for switches exceeding 5 per year.
Early Withdrawal Fee 2% of the value of units you sell or transfer within 90 days of buying them.
What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case, the right to cancel only applies to the new transaction.
You have to tell us in writing that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any sales charges or other fees you paid.
The Manufacturers Life Insurance Company — Manulife Fidelity NorthStar GIF — FF 06/21 AODA 3 of 3
Objective and StrategyUnless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective. Refer to the underlying fund Prospectus and/or the Investment Policy Statement (IPS) for the complete objective and strategy of the underlying fund.
Objective: The Fund aims to achieve long-term capital growth. It invests primarily in equity securities of companies anywhere in the world.
Strategy: This Fund will invest in units of the underlying mutual fund or a substantially similar fund.
For more informationThis summary may not contain all the information you need. Please read the Information Folder and Contract or you may contact us at:
Manulife
500 King Street North, Waterloo ON N2J4C6 www.manulifeim.ca Canada, Outside of Quebec 1-888-790-4387 Quebec & French Business 1-800-355-6776
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
Potential risks of investingThe underlying investments of the segregated funds may be units of mutual funds, pooled funds or other selected investments. The risk factors of the underlying investments directly affect those investments and will also affect the segregated funds. For a comprehensive disclosure of the risks of these underlying funds, refer to the simplified prospectus or other disclosure documents of the underlying funds, copies of which are available upon request.
Asset-backed and mortgage-backed risk: If there are changes in the market’s perception of the issuers of asset backed or mortgage backed securities, or in the credit worthiness of the parties involved, then the value of the securities may be affected. In addition, for asset-backed securities, there is a risk that there may be a mismatch in timing between the cash flow of the underlying assets backing the security and the repayment obligation of the security upon maturity. In the use of mortgage-backed securities, there are also risks that there may be a drop in the interest rates charged on mortgages, a mortgagor may default in its obligations under a mortgage or there may be a drop in the value of the property secured by the mortgage.
Credit risk is the risk of default by the issuer of debt instruments, such as bond
or money market instruments. Default will negatively impact the value of assets
within the underlying fund, thus lowering the overall return of the Fund.
Corporate class risk: Certain underlying funds are structured as classes of
shares of a single corporation which may contain multiple funds. Each corporate
class fund has its own assets and liabilities, and each fund will be charged
separately for any expenses that are specifically attributable to that fund.
However, each fund’s assets are the property of the corporation.
Therefore, if a fund cannot meet its obligations, the assets of the other
funds of the corporation may be used to pay those obligations.
Derivative risk occurs when derivatives are used as a risk management
tool to mitigate risks or diversify risks that are not desired. Some Funds and
underlying mutual funds may invest in derivatives for hedging purposes, for
achieving the duration target or for replicating the approximate return of
a direct investment in the underlying mutual funds(s). A Fund’s ability to dispose
of the derivatives depends on the liquidity of such positions in the market,
if the market direction goes against the manager’s forecast, and the ability of
the other party to fulfill its obligations. Therefore, there is no guarantee that
transactions involving derivatives will always be beneficial to the Fund. The use
of derivative instruments is prohibited in acquiring investment exposures not
otherwise permitted in the Fund’s investment description.
Sustainability (ESG) Policy Risk: An ESG Fund’s ESG investment policy could cause it to perform differently compared to similar funds that do not have such a policy. Any criteria related to this ESG investment policy may result in the ESG Fund’s forgoing opportunities to buy certain securities when it might otherwise be advantageous to do so, or selling securities for ESG reasons when it might be otherwise disadvantageous for it to do so. In addition, investors may differ in their views on what constitutes positive or negative ESG characteristics. As a result, the companies in which an ESG Fund invests, directly or indirectly, may not reflect the beliefs and values of any particular investor. An ESG Fund will vote proxies in accordance with the Manager’s Proxy Voting Policy.
Exchange-traded fund risk: Certain Funds may invest in securities of
exchange-traded funds (ETFs). These ETFs seek to provide returns similar to
the performance of a particular market index or industry sector index. ETFs
may not achieve the same return as their benchmark market or industry
sector indices due to, among other things, differences in the actual weights
of securities held in the ETF versus the weights in the relevant index (any such
differences are usually small) and due to the operating and management
expenses of the ETFs. An ETF may, for a variety of reasons, also fail to accurately
track the market segment or index that underlies its investment objective.
The price of an ETF can also fluctuate and the value of Funds that invest in
securities offered by ETFs will change with these fluctuations.
Foreign currency risk occurs when an underlying fund invests in countries
other than Canada or holds assets valued in another currency, which may decline
in value relative to the Canadian currency. This situation will adversely affect the
returns of those foreign assets held in the underlying fund and the total return of
the Fund.
Inflation risk is the risk that inflation will affect interest rates and, in turn, make
assets within an underlying fund less attractive from a price perspective, thus
hurting the overall performance of the Fund.
Interest rate risk is the chance that interest rates may fluctuate, and thereby
may negatively impact the value of the assets within an underlying fund, thus
lowering the overall return of the Fund.
Liquidity risk is the risk that an investment cannot be easily convereted into
cash. An investment may be less liquid if it is not widely traded, if there are
restrictions on the exchange where the trading takes place or due to legal
restrictions, the nature of the investment itself, settlement terms, or for other
reasons such as a shortage of buyers interested in a particular investment or
an entire market. Investments with low liquidity can have dramatic changes in
value and can result in loss.
Manager risk is the chance that a fund manager may purchase a poor asset or
may dispose of an asset which continues to grow in value; the fund manager may
fail to recognize increasing or decreasing market conditions. Any or all of these
can directly affect the performance of the Fund.
Market risk is the fundamental risk of investing in the capital markets. It is
the risk that the assets of the underlying fund will decline in value simply because
the market, as a whole, declines in value, thereby lowering the overall return of
the Fund. The profitability of a Fund’s investment program may depend to
a great extent on the future course of price movements of securities and other
investments. The securities markets have in recent years been characterized
by great volatility and unpredictability. The performance of a Fund may be
influenced by, among other things, interest rates, changing supply and demand
relationships, trade, fiscal, monetary, and exchange control programs and
policies of governments and national and international political and economic
events and policies. In addition, unexpected and unpredictable events such as
war and occupation, a widespread health crisis or global pandemic (such as
the recent spread of coronavirus disease (COVID-19)), terrorism, and related
geopolitical risks may lead to increased short-term market volatility and may
have adverse long-term effects on world economies and markets generally,
including U.S., Canadian and other economies and securities markets. Each
Fund is therefore exposed to some, and at times, a substantial, degree of
market risk.
Real estate risk: Real estate by nature is not a liquid asset. There is no formal
market for trading in real property and very few records are available to
the public, which give terms and conditions of real property transacations. It may
take time to sell real estate investments at a reasonable price, limiting the funds
ability to respond quickly to changes in economic or investment conditions.
Securities lending, repurchase, and reverse Repurchase transaction risk:
Funds may engage in securities lending, repurchase and reverse repurchase
transactions directly, or may be exposed to these transactions indirectly because
of the underlying funds in which they invest. While securities lending, repurchase
and reverse repurchase transactions are different, all three arrangements involve
the temporary exchange of securities for cash with a simultaneous obligation to
redeliver a like quantity of the same securities at a future date. Securities lending
is an agreement whereby a fund lends securities through an authorized agent
in exchange for a fee and a form of acceptable collateral. Under a repurchase
transaction, a fund agrees to sell securities for cash, while at the same time
assuming an obligation to repurchase the same securities for cash, usually
at a lower price and at a later date. A reverse repurchase transaction is
a transaction in which a fund buys securities for cash andsimultaneously agrees
to resell the same securities for cash, usuallyat a higher price and at a later date.
The risks associated with securities lending, repurchase and reverse repurchase
transactions arise when a counterparty, whether it be the borrower, seller or
buyer, defaults under the agreement evidencing the transaction. The fund is then
forced to make a claim in order to recover itsinvestment. In securities lending or
repurchase transactions, the fund could incur a loss if the value of the securities
loaned or sold has increased relative to the value of the collateral held by
the fund. In the case of a reverse repurchase transaction, the fund could incur
a loss if the value of the securities purchased by the fund decreases in value
relative to the value of the collateral held by the fund. To limit the risks associated
with these transactions, a fund would adhere to controls and limits that are
intended to offset these risks and by limiting the amount of exposure to these
transactions. A fund would also typically deposit collateral only with lenders that
meet certain criteria for creditworthiness and only up to certain limits.
Small company risk is the result of smaller companies having valuations
that tend to be more volatile than those of large established companies. As such,
the value of Funds that buy investments in smaller companies may rise and
fall significantly.
Sovereign risk applies when investing abroad as there may be additional risk of
the Fund’s capital to companies outside of the laws of Canada. Information flow,
liquidity, political stability, and social policy may all affect the prices of foreign
investments and in return the value of the assets within the Fund, thus hurting
the overall performance of the Fund.
Specialization risk: Some Funds specialize in investing in a particular industry
or part of the world. Specialization allows the portfolio advisor to focus on
specific areas of the economy, which can boost profits if both the sector and
the companies selected prosper. However, if the industry or geographic area
experience challenges, the Fund will suffer because there are relatively few other
exposures to offset and because securities in the same industry tend to be
affected by challenges in a similar manner. The Fund must follow its investment
objective and may be required to continue to invest primarily in securities in
the industry or geographic area, whether or not it is prosperous.
Substantial securityholder risk: A Fund may have one or more substantial
investors who hold a significant amount of securities of the Fund, such as
a financial institution or a Top Fund. If a substantial investor decides to redeem
its investment in a Fund, the Fund may be forced to sell its investments at
an unfavourable market price in order to accommodate such request. The Fund
may also be forced to change the composition of its portfolio. Such actions
may result in considerable price fluctuations to the Fund’s net asset value and
negatively impact on its returns. The Funds do, however, have policies and
procedures designed to monitor, detect and deter inappropriate short-term or
excessive trading. See “Short-Term Trading”.
Underlying fund risk applies where a segregated fund that invests in
units of an underlying fund may be exposed to the risks associated with
the underlying fund.
Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. 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.
AODA