Investment & Topical Notes 

Disclaimer

Investors are advised to read and understand the contents of the Master Prospectus dated 1 December 2018 for 23 Funds; Master Prospectus dated 1 December 2018 for 15 Funds; Disclosure Document dated 19 November 2012, its Supplemental Disclosure Document dated 25 June 2013, its Second Supplemental Disclosure Document dated 10 June 2014, its Third Supplemental Disclosure Document dated 1 September 2014, its Fourth Supplemental Disclosure Document dated 1 April 2015, its Fifth Supplemental Disclosure Document dated 1 June 2015 and its Sixth Supplemental Disclosure Document dated 28 April 2016; Replacement Disclosure Document dated 1 August 2017, its Supplemental Disclosure Document dated 23 July 2018; Replacement Information Memorandum dated 1 June 2018; Information Memorandum dated 13 March 2018; Information Memorandum dated 3 November 2016 and its Supplemental Information Memorandum dated 1 October 2018 and all the respective Product Highlights Sheet(s) (collectively, the “Offering Documents”), obtainable at our offices, before investing. The Offering Documents have been registered with the Securities Commission Malaysia who takes no responsibility for its contents. Investors should consider the fees and charges involved. The price of units and income distribution may go down as well as up. Past performances of the Funds are not an indication of the Funds' future performances. Where a unit split/distribution is declared, investors are advised that following the issue of additional units/distribution, the NAV per unit will be reduced from the pre-unit split NAV/cum-distribution NAV to post-unit split NAV/ex-distribution NAV; and where a unit split is declared, the value of your investment in the Fund’s denominated currency will remained unchanged after the distribution of the additional units. Units will only be issued on receipt of the completed application form referred to and accompanying the Offering Documents. There are risks involved with investing in unit trust funds; wholesale funds and/or Private Retirement Schemes. Some of these risks associated with investments in unit trust funds; wholesale funds and/or Private Retirement Schemes are interest rate fluctuation risk, foreign exchange or currency risk, country risk, political risk, credit risk, non-compliance risk, counterparty risk, target fund manager risk, liquidity risk and interest rate risk. For further details on the risk profile of all the funds, please refer to the Risk Factors section in the Offering Documents. Investors are also advised to read and understand the contents of the “Unit Trust Loan Financing Disclosure Statement” before deciding to obtain loan financing to purchase units of the Funds.

The Manager, Manulife Asset Management Services Berhad (MAMSB) is a wholly owned subsidiary of Manulife Holdings Berhad and holds a Capital Markets Services License for fund management, dealing in securities restricted to unit trusts, dealing in private retirement schemes and financial planning under the Capital Markets and Services Act 2007. MAMSB operates under the brand name of Manulife Asset Management - the asset management arm of Manulife Financial.

All fees and charges (e.g. sales charge, switching fee, transfer fee, management fee, trustee fee and any other relevant fee(s) and/or charge(s)), where applicable, may be subject to tax that may be introduced by the Government of Malaysia from time to time, at the prevailing rate. The Manager, the Trustee and/or other services provider reserves the right to collect from you and/or the fund an amount equivalent to the prevailing rate of tax payable for all fees and charges, where applicable. Your obligation to pay any applicable taxes shall form part of the Terms and Conditions.