Depending on your working knowledge, investing can be a complicated matter. What if Manulife Investment Management can help you choose the investment solutions that meet your investment objectives? [1]
One of the country’s leading names in investment, Manulife Investment Management recently launched its Better Income campaign, highlighting the benefits of seeking income from diverse sources and balancing risk according to one’s objectives at different life stages. [2] Learn more about new investment possibilities in this nifty guide.
What is Manulife Investment Management’s Better Income?
Manulife Investment Management’s Better Income campaign highlights select unit investment trust funds (UITFs) focused on two core objectives: capturing potential income and facilitating capital growth. It’s an approach that aims to balance risk, growth, and income, and considers strategies for different investment objectives and risk tolerance to help you navigate today’s market dynamics.
You may also think of Better Income as an investment philosophy. It means engaging in active "income investing" to pursue higher income or capital growth opportunities instead of relying solely on traditional assets like cash deposits to grow your money.
Better Income is also about aligning investment choices with one’s goals, needs and risk appetite. In other words, Better Income is not about the blind pursuit of the highest returns while ignoring risk. Instead, Manulife Investment Management encourages investors to pursue income from diverse sources, balancing risk according to their objectives at different life stages.
What are the Featured Funds?
The Manulife Investment Management funds that are featured in the Better Income campaign are divided into two categories: income-paying funds and capital growth funds. Check out the following to see which fund suits your investment objectives:
Income-Paying Funds
Funds under this category are designed to provide recurring income streams that can help you navigate market swings, giving you new sources of income to enjoy, save or reinvest for your important financial goals.
Manulife Global Multi-Asset Diversified Income Feeder Fund
Key Features:
- Ideal for investors with an aggressive risk appetite
- Suitable for investors who want to achieve capital growth while receiving stable income through traditional and non-traditional asset classes.
- Minimum investment is US$1,000 / ₱1,000
The Manulife Global Multi-Asset Diversified Income Feeder Fund aims to maximize total return by investing in a collective investment scheme (the “Target Fund”) that seeks to achieve income generation by investing in a portfolio of traditional and non-traditional asset classes that include the following:
- Investment grade corporate bonds
- High yield corporate bonds
- Emerging Market bonds
- Global equities
- Preferred securities
- Global REITs
- Options strategies
With the Fund investing in a portfolio of diverse income-generating financial assets, investors can navigate through market cycles and take advantage of emerging investment opportunities while receiving monthly income payouts.
Manulife Global Preferred Income Feeder Fund
Key Features:
- Ideal for investors with an aggressive risk appetite
- Suitable for investors who want both regular income payout and long-term capital growth.
- Minimum investment is US$1,000 / ₱1,000
The Manulife Global Preferred Income Feeder Fund invests in a collective investment scheme (the “Target Fund”), which invests in preferred securities, which have the characteristics of bonds and stocks.[3] It’s an ideal investment option if you want to upgrade from regular corporate bonds since the yields of preferred securities are as competitive as those of high-yield bonds even though they have higher credit quality, as they are typically issued by investment grade companies.
Historically, preferred securities are less sensitive to interest changes, making them ideal assets for your diversification goals. This means that they are more resilient to downward price pressures in a rising interest rate environment and provide compelling yields in a low interest rate environment.
Capital Growth Funds
If you’re the type of investor who’s willing and able to take higher risk for the potential to grow your capital and earn higher returns, Manulife’s Capital Growth Funds are worth checking out.
Manulife India Equity Feeder Fund
Key Features:
- Ideal for investors with an aggressive risk appetite
- Suitable for investors who are prepared to accept significant fluctuations in the value of their investments in pursuit of long-term capital growth
- Minimum investment is US$100 / ₱1,000
The Manulife India Equity Feeder Fund provides access to the attractive growth opportunities in India, the world’s fifth largest economy.[3] The outlook for the Indian economy is positive, thanks to the country’s digital economy, reinvestment in manufacturing, and the young and large population spurring its domestic growth.
The Fund invests in a collective investment scheme (the “Target Fund”) that aims to provide long-term capital growth for investors who hold a long-term investment view and are prepared to accept significant fluctuations in the value of their investments. At least 70% of the net assets of the Target Fund will be invested in equity and equity-related securities of companies covering the different sectors of the Indian economy. The remaining assets of the Target Fund may include bonds and deposits.
Manulife Global Dynamic Leaders Equity Feeder Fund
Key Features:
- Ideal for investors with aggressive risk appetite
- Suitable for investors who want access to an elite selection of global companies with powerful brands.
- Minimum investment is US$100 / ₱1,000
If you’re the type of investor who wants to invest in global companies with proven track records, this Fund is for you. The Manulife Global Dynamic Leaders Equity Feeder Fund invests in a focused portfolio of the world's most well-known brands with solid financial foundations and impressive earnings growth. Global companies with industry-leading positions have strong potential to generate long term capital growth. They have durable competitive advantage and powerful brands that set them apart from the rest. The Fund has a diverse exposure to multiple sectors around the world such as technology, retail, and healthcare, which helps manage risks and lowers volatility.
Why You Should Invest in Manulife Investment Management’s UITFs
Manulife Investment Management makes investing easy and convenient, with its UITFs accessible for as little as Php1,000 through Manulife iFUNDS, its secure and easy-to-use digital investment platform. Investing in Manulife Investment Management’s funds lets you enjoy the following:
Regular Payouts from the Income-Paying Funds Give You Passive Income
You can earn passive income by investing in Manulife Investment Management’s income-paying funds. You can choose to reinvest the income payouts in the same Fund or in Manulife Money Market Fund for Peso payouts or Manulife Global Money Market Feeder Fund for USD payouts so you can earn additional income over time, or cash in the income for your other needs and wants like vacation, shopping, personal expenses, and more.
Capital Gains Can Shield You from the Effects of Inflation
Inflation is here to stay. If you keep your money stashed in a piggy bank or in a savings account, it’ll be powerless against higher prices in the future. Keep up with the rising prices by investing your money in funds that have the potential to preserve or even grow the value of your money.
Final Thoughts
There are many reasons why you should invest early and regularly. Two of the core benefits of investing have always been crystal clear: it can provide regular income and it can help preserve or grow your capital so you can advance your important financial goals. Check out Manulife Investment Management’s diverse suite of UITFs and discover varied solutions that can help you build a more resilient investment portfolio for a better tomorrow.
Sources:
- [1] Unit Investment Trust Fund
- [2] Better Income 101 Video
- [3] How Does a Preferred Security Work? (State Street Global Advisors, 2024)
- [3] The Top 10 Largest Economies in the World in 2024 (Forbes, 2024)
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