MANULIFE PRS - CONSERVATIVE FUND

Investment Objective

  • The Fund aims to provide steady returns whilst preserving* capital.

    *Please note that this Fund is neither capital guaranteed fund nor a capital protected fund.

Member profile

The Fund is suitable for Members who:

  • have low risk appetite;
  • seek regular distribution of Units from their contributions;
  • seek an additional retirement scheme other than EPF;
  • are not statutorily obliged to contribute to EPF; and/or
  • are employers who wish to contribute on behalf of their employees having the aforesaid characteristic.

 

Performance Benchmark

Maybank 12-month fixed deposit rate.

Investment Strategy

To achieve the objective of the Fund, the Provider will at all times invest a minimum of 80% of the Fund’s NAV in Malaysian fixed income instruments (of which a minimum of 20% will be invested in money market instruments) and a maximum of 20% of the Fund’s NAV in Malaysian equities and/or equity-related securities.

The Fund may also invest up to 5% of the Fund’s NAV at any time in fixed income instruments which are rated below BBB3/P2 by RAM (or equivalent rating by MARC) and/or are unrated.

As part of the investment strategy, the equity asset allocation between 0% and 20% of the Fund’s NAV aims at enhancing the Fund’s returns during economy up-cycle and to protect the downside on equities during uncertain periods (for example, during the 2008/2009 Global Financial Crisis). The Fund may go up to 100% fixed income instruments and/or money market instruments depending on market conditions.

Asset Allocation

A minimum of 80% of the Fund’s NAV in Malaysian fixed income instruments (such as bonds, money market instruments and deposits) of which a minimum of 20% of the Fund’s NAV will be invested in money market instruments

A maximum of 20% of the Fund’s NAV may be invested in Malaysian equities and/or equity-related securities.

    
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Your should be aware that if you did not indicate your selection of Funds, your contributions will be automatically allocated to Manulife PRS – Conservative Fund if you are above 50 years old at the time of contribution.