Manulife Malaysia Equity Fund - Manulife Insurance Berhad

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18. DOCUMENTS AVAILABLE FOR INSPECTION Unit Holders may inspect without charge, at the registered offices of the Manager and the Trustee, for a period of not less than 12 months from the date of this Prospectus, the following documents or copies thereof, where applicable: (a) The Deed of the <strong>Fund</strong>. (b) Any material contract or document referred to in the Prospectus. (c) All reports, letters or other documents, valuations and statements by any expert, any part of which is extracted or referred to in the Prospectus. (d) Latest audited accounts of the Manager and the <strong>Fund</strong> for the current financial year (where applicable). (e) Any consent given by experts or persons whose statement appears in the Prospectus. 71
19. UNIT TRUST LOAN FINANCING RISK DISCLOSURE STATEMENT Investing in a unit trust fund with borrowed money is more risky than investing with your own savings. You should assess if loan financing is suitable for you in light of your objectives, attitudes to risk and financial circumstances. You should be aware of the risks, which would include the following: (a) The higher the margin of financing (that is, the amount of money you borrow for every Ringgit of your own money that you put in as deposit or down payment) the greater the potential for losses as well as gains. (b) You should assess whether you have the ability to service the repayments on the proposed loan. If your loan is a variable rate loan, and if interest rates rise, your total repayment amount will be increased. (c) If unit prices fall beyond a certain level, you may be asked to provide additional acceptable collateral or pay additional amounts on top of your normal instalments. If you fail to comply within the time prescribed, your units may be sold to settle your loan. (d) Returns on unit trusts are not guaranteed and may not be earned evenly over time. This means that there may be some years where returns are high and other years where losses are experienced instead. Whether you eventually realise a gain or loss may be affected by the timing of the sale of your units. The value of units may fall just when you want your money back even though the investment may have done well in the past. The brief statement cannot disclose all the risks and other aspects of loan financing. You should therefore carefully study the terms and conditions before you decide to take the loan. If you are in doubts in respect of any of this risk disclosure statement or the terms of the loan financing, you should consult the institution offering the loan. 72
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Prospectus Manulife Malaysia Equity
Page 4 and 5:
If you are interested in investing
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Investors are advised to note that
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9 Transaction Details 29 9.1 Inform
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1. CORPORATE DIRECTORY The Manager
Page 12 and 13:
Registered Address & Business Addre
Page 14 and 15:
Latest practicable date (LPD) Long
Page 16 and 17:
3. KEY DATA THIS SECTION IS ONLY A
Page 18 and 19:
Fees and Charges This table describ
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FUND INFORMATION Minimum Investment
Page 22 and 23:
Loan Financing Risk In the case of
Page 24 and 25:
allocations of the Fund. In additio
Page 26 and 27:
the Investment Manager conducts reg
Page 28 and 29:
5.1.9 Investors’ Profile This Fun
Page 30 and 31: The fair value of other unlisted se
Page 32 and 33: (d) Switching Fee When the investor
Page 34 and 35: (vii) costs, commissions, fees and
Page 36 and 37: The NAV per Unit of the Fund The NA
Page 38 and 39: The total number of Units that will
Page 40 and 41: • a certified true copy of the di
Page 42 and 43: There is no restriction on the freq
Page 44 and 45: (a) investors of the Fund are allow
Page 46 and 47: 10. SALIENT TERMS OF THE DEED 10.1
Page 48 and 49: (e) considering any matter in relat
Page 50 and 51: (b) if, in the opinion of the Trust
Page 52 and 53: (b) the Manager has notified the Un
Page 54 and 55: (b) the Manager has failed or negle
Page 56 and 57: 11. CLIENT COMMUNICATION Unit Holde
Page 58 and 59: 12.4 Role of Directors The Board of
Page 60 and 61: IPP Venture Berhad. Datuk also sits
Page 62 and 63: 12.9 Material Litigation As at LPD,
Page 64 and 65: Datuk Ismail Bin Haji Ahmad (Indepe
Page 66 and 67: He holds a Capital Markets and Serv
Page 68 and 69: team and talents by recruiting new
Page 70 and 71: Bank-Bank Malaysia. He has more tha
Page 72 and 73: as the custodian of the foreign ass
Page 74 and 75: The Trustee The Trustee (or any per
Page 76 and 77: The income of the Fund consisting o
Page 78 and 79: TAXATION OF UNIT HOLDERS Unit Holde
Page 82 and 83: ACKNOWLEDGEMENT OF RECEIPT OF RISK
Page 84: 21. DIRECTORY OF MANULIFE REGIONAL
Page 90: This page is intentionally left bla
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Manulife Malaysia Equity Fund - Manulife Insurance Berhad

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