Featuring our popular selections of retirement "pension" plans

1. DECEMBER 2013
Retirement Planning
Manulife Income Series
Manulife 3G (I)
ManuRetire Secure (I)
Special Feature
Manulife Investor
Sentiment Index
Manulife Gives Back
Movember 2013
Find us on
facebook.com/manulife.singapore
www.youtube.com/ManulifeSG1980

2. Dear Manulife Clients,
As 2013 comes to an end, Manulife
Singapore is pleased to bring you, our
valued clients, the accomplishments
and activities we have achieved for
you.
Message
from the
CEO
Manulife surveys Singaporeans every
quarter with the Manulife Investor
Sentiment Index (MISI). The survey
results show that Singaporeans will
face a huge retirement gap in their
golden years. It is deemed as the top
financial priority for Singaporeans
- even in young age groups. The Q3
2013 survey showed that 1/3 of
Singaporeans have no retirement
plan. Read more about the survey
findings in this issue of ManuReach.
To address the needs of Singapore’s
ageing population, Manulife has
introduced a suite of financial
solutions in 2013 that aims to provide
regular income streams. ManuRetire
Secure is the first investment-linked
plan in Singapore that guarantees the
value of a client’s investment at 80%
of the fund’s highest historical Unit
Price. The Manulife Income Series has
three funds, each designed to provide
monthly payouts that act as a steady
stream of income. Find out more
about these retirement solutions
over the next few pages. In conjunction
with the research and product
solutions, Manulife also launched a
retirement campaign to educate
consumers and create awareness on
the need to plan for retirement.
At Manulife, we see a need to
continue educating Singaporeans.
Many have the tendency to plan for
other short-term financial priorities
and leave retirement planning till
later. Hence our retirement campaign,
retirement micro website and
calculator, articles and seminars
provide a wealth of information to
educate and raise awareness with our
self-help tools.
I would like to wish you all the best
for the festive season and a fantastic
2014! Hope you enjoy this edition
of ManuReach!
Warmest Regards,
Annette King
Annette King
President & CEO
Manulife (Singapore) Pte. Ltd.

3. Manulife gives back
Manulife Singapore believes in the importance of giving back to the community.
Movember:
Movie & Fun Day
Onto Manulife’s third year supporting Movember,
the worldwide phenomenon where men across the world
grow a moustache with the aim of raising vital funds and
awareness for men’s health issues during the month of
November; activities this year included a Movember Movie
& Fun Day to raise funds for the Singapore Cancer Society.
Matthew Kang from our team
collected the most funds in Singapore
with $10,058!
The Mo Brothers at Manulife were also
glad to be part of Movember, raising
a total of $18,330 clinching 3rd place
in Singapore.
“We’re extremely proud of all who participated in
Movember, however there are some who have gone
above and beyond. Matthew Kang is the highest individual
fundraiser in Singapore raising over SGD$10,000 for the
Singapore Cancer Society. We would like to commend
Matthew for being a fine Mo Bro and for his generous
contribution to the cause.”
- Mr Greg Rafferty, Movember Asia Manager
Manulife celebrates
Dumpling Festival with AWWA
Cheers and merriment were served at the dinner table
when over 40 volunteers mingled with 120 elderly
participants over a 10-course dinner treat and a karaoke
contest that featured contestants from Asia Women’s
Welfare Association (AWWA).
Festive Cheers to the Elderly
Manulife arranged an early Mid-Autumn celebration with
over 100 corporate staff & agents from various branches
– together with Manulife Singapore’s CEO, Ms Annette
King distributing goodie bags that contained rice, biscuits,
cereals, and boxes of mooncakes to the elderly folks.

4. SPECIAL FEATURE
04
Retirement a False Hope for Singaporeans?
Serious Funding Shortfall a Reality.
Singaporeans will face a major retirement funding
shortfall if they don’t make big changes to their
savings strategies and behaviour. They tend to
face the prospect of having to work in so-called
retirement and risk downgrading their lifestyles,
according to the latest Manulife Investor
Sentiment Index survey*.
Many risk lifestyle downgrade as only 11% of those
surveyed said they are certain of being able to
afford a comfortable retirement, although 41% believe
they are ahead of schedule or on track to achieve their
financial goals.
“Singaporeans are living comfortably and have come to
treasure their travel plans. Many don’t want to backtrack
when they retire. That’s why it’s important to put your
money to hard work because inflation can erode the value
of your savings. There is more to planning for retirement
than the cash you save from your monthly income,” said
Ms. Annette King, President & CEO of Manulife Singapore.
Jill Smith, Senior Managing Director for Manulife Asset
Management Singapore, added: “Investors need to think
about investing in a way that will continue to provide
returns and generate income after they have retired.
Investors can look to the wider Asian markets, which
we believe are supported by strong economic fundamentals.
Building a well-diversified investment portfolio can help
enhance returns and mitigate market-specific risk factors,
potentially improving retirement income security.”
“There is more to planning for retirement
than the cash you save from your
monthly income”
*Manulife’s Investor Sentiment Index (Manulife ISI) in Asia is a quarterly proprietary survey measuring and tracking investor’s views across seven markets in the region on their
attitudes towards key asset classes and investment vehicles. Research was conducted between middle of August and September 2013.
Important Notes and Disclaimer:
This newsletter is for information and general circulation only. It does not have regard to your specific investment objectives, financial situation and any of your particular
needs. It should not be construed as an offer, advice or recommendation to purchase financial products. Consumers who are interested in financial products should seek
advice from a Manulife Financial Planner or qualified financial adviser representative before making a commitment to purchase any plan.

5. RETIREMENT PLANNING
05
Take control of
your retirement
It is relatively easy to overlook the importance of
retirement because the future may still seem far
away. However, everything that you want for a
third-age lifestyle can be within your grasp if you
put enough thought into your retirement
planning. To be financially independent, you
need to plan carefully and start saving early so
that your money can work harder for you.
A realistic retirement
plan is important. To be
better-prepared for your
retirement, you need to:
 Start Retirement Planning
Early to take advantage of the effects
of compounding.
 Make Use of the Supplementary
Retirement Scheme (SRS)
You also benefit from tax relief.
 Participate in CPF Life
To cater to your basic retirement needs.
 Seek Investment Growth
To combat inflation.
Visit our YouTube page for more.
www.youtube.com/ManulifeSG1980
Learn more about retirement concerns
Find out how to plan a comfortable retirement
 Create a Regular Stream of Income
Through investment and insurance.
 Ensure Comprehensive Coverage
at Retirement
Through MediShield, ElderShield and
private insurance schemes.

6. FINANCIAL PRODUCTS
06
MANULIFE
INCOME SERIES
Providing a regular income to cater to your retirement needs
The Manulife Income Series is a series of
investment-linked policy sub-funds that seek
to provide investors a regular monthly income.
The series of funds target to meet the income
needs of today’s retirees and those investors
seeking a passive income by investing in various
asset classes.
STRATEGIC INCOME FUND
Taking advantage of bonds with different
characteristics
to
capture
investment
opportunities in different market environments,
this is the second offering in the Manulife Income
Series of funds and managed by Manulife Asset
Management (Singapore) Pte. Ltd. This is a multisector, global bond fund that invests in both
higher quality and lower rated bonds. The fund
targets to pay 4.2* cents (SGD) per unit
per annum or 0.35* cents (SGD) per unit
per month.
SINGAPORE FUND
Leveraging on the strong fundamentals of the
Singapore economy, the Manulife Income Series
- Singapore Fund is a balanced fund that invests
in both Singapore Equities as well as Singapore
Bonds. Seeking to provide medium to long term
capital appreciation and income, the fund
primarily invests 60% into the Manulife Funds Manulife Singapore Bond Fund and 40% into
the Manulife Funds - Manulife Singapore Equity
Fund which are managed by Manulife Asset
Management (Singapore) Pte. Ltd. The fund
targets to pay 3.6* cents (SGD) per unit
per annum or 0.3* cents (SGD) per unit
per month.
ASIAN BALANCED FUND
Seeking to capture the strong growth potential
of Asia, this third offering in the Manulife Income
Series of funds is managed by Schroder
Investment Management (Singapore) Limited.
The fund invests all or most of its assets into the
Schroder Asian Equity Yield Fund and the
Schroder Asian Investment Grade Credit with
target asset allocations of 60% and 40%
respectively. The fund targets to pay
3.6* cents (SGD) per unit per annum or
0.3* cents (SGD) per unit per month.

7. FINANCIAL PRODUCTS
MANULIFE 3G (I)
07
Manulife 3G (I) is a life insurance product that acts as an annuity. It provides guaranteed payouts and
growth potential with just 10 years of premium payment to a legacy that lasts for generations. Be it
to fulfill your dreams of yearly indulgence or a legacy for your child and grandchild, you can achieve
them all by investing a decade and reap for generations.
Policy Inception
You continue to receive
COUPONS
COUPONS
from end of 10th policy year
10-Year
Yearly withdrawal of
for a lifetime
Premium Paying Term
$$$
Sum Insured + accumulated
reversionary bonus (if any)
payable to beneficiary
MANURETIRE SECURE (I)
ManuRetire Secure (I) is a single premium investment-linked plan
designed to allow you to benefit from the potentially inflation
beating performance of equities while providing you with
income for retirement. It secures the Guaranteed Value of
your investment at 80 percent of the fund’s (Manulife
Octave SGD Tracking Fund) highest historical Unit Price.
ManuRetire
Secure
(I)
lets
you
grow
your assets while providing 80 percent downside
protection against investment fluctuations.
Hence, you are protected during severe market
downturns while benefiting from potential gains
in a market upturn.
After the initial investment, you may make investment
top-ups and you can also access your investment anytime for
your liquidity needs. You can also choose to receive a lump
sum or regular stream of income for your retirement over your
selected Payout Period of 10, 15 or 20 years.
Important Notes and Disclaimer:
* There is no guarantee, assurance and/or certainty that any distribution will be made and if distributions are made, such distributions are not in any way a forecast, indication
or projection of the future or likely performance/distribution of the funds. The making of any distribution shall not be taken to imply that future distributions will be made.
Manulife (Singapore) Pte. Ltd. may also vary the frequency and/or the amount of the distributions made. When distributions are declared and paid out (including out of
capital) with respect to any fund, the net assets of the fund will reduce by an amount equivalent to the distributions declared. This will be reflected as a reduction in the unit
price. The cash payouts are subject to satisfying the minimum payout amount as well as terms and conditions. Otherwise, the distribution will be reinvested as additional
units in the fund.
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value (if any) payable may be less
than the total premiums paid. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units and any income
accruing to the units, if any, may fall or rise.
Past performances of any fund or fund manager is not necessarily indicative of future or likely performance of the fund or fund manager. All terms and conditions are set
out in the policy contract, product summary, fund summary booklet and product highlights sheet (where applicable). You should read the applicable product summary, fund
summary booklet and/or product highlights sheet in full before making a commitment to purchase any policy. A copy of the product summary, fund summary booklet and
product highlights sheet may be obtained from a Manulife Financial Planner or any appointed distributor.
Manulife policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Cover for your
policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the
coverage, where applicable, please contact Manulife (Singapore) Pte. Ltd. or visit the Life Insurance Association or SDIC websites (http://www.lia.org.sg/ or http://www.sdic.
org.sg/).