Prospectus - Manulife Insurance Berhad

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chapter1 KEY DATApage16TRANSACTION INFORMATIONMinimum SwitchingAmountThe minimum switching amount is 1,000 Units, provided the value of theUnits in Ringgit Malaysia meets the minimum initial investment amount ofthe fund that the Unit Holder intends to switch into.other INFORMATIONDeedDesignated FundManagerAvenue for AdviceThe Deed dated 6 th February 2013 entered into between the Manager andthe Trustee in relation to the Fund.Tock Chin HuiIf you have any queries or require further information, please contact ourcustomer service at 03-2719 9228 or email us at my_utservice@manulife.com. Alternatively, you may contact our unit trust consultants at our regionalsupport centres listed in the Corporate Directory section.THERE ARE FEES AND CHARGES INVOLVED AND INVESTORS ARE ADVISED TO CONSIDERTHEM BEFORE INVESTING IN THE FUND.UNIT PRICES AND DISTRIBUTIONS PAYABLE, IF ANY, MAY GO DOWN AS WELL AS UP.FOR INFORMATION CONCERNING CERTAIN RISK FACTORS WHICH SHOULD BE CONSIDEREDBY PROSPECTIVE INVESTORS, SEE “RISK FACTORS” COMMENCING ON PAGE 17.INVESTORS WHO INTEND TO FINANCE AN INVESTMENT IN A SHARIAH-COMPLIANT UNITTRUST FUND, OR FOR THAT MATTER ANY SHARIAH-COMPLIANT INVESTMENT, ARE ADVISEDTO SEEK ISLAMIC FINANCING TO FINANCE THEIR INVESTMENT.Prospectus in respect of the Manulife Shariah - Dana Ekuiti
chapter2 RISK FACTORSpage172.1 General Risks of Investing in a Unit Trust FundPrior to making an investment in the Fund, investors should be aware that there are risksassociated with investments in unit trust funds. Below are some of the general risks whichinvestors should be aware of when investing in a unit trust fund:a) Market riskMarket risk arises due to economy-wide perils which may affect businesses including theissuers of the Shariah-compliant securities such as Shariah-compliant equities and sukukthat a unit trust fund may have invested in. As a result, there could be fluctuations inmarket values of these Shariah-compliant securities and investors are exposed to suchuncertainties.b) Management company riskThe performance of a unit trust fund depends on, amongst other things, the expertiseof the management company. Any error in the investment techniques and processesadopted by the management company may have an adverse impact on the unit trustfund’s performance which in turn may affect the investments of unit holders through,including but not limited to, the loss of their capital invested in the unit trust fund.c) Interest rate riskThe risk refers to how the changes in the interest rate environment affect the decision ofinvesting in Shariah-compliant securities (such as Shariah-compliant equities and sukuk) bya unit trust fund.regardless of whether they are Shariah-compliant or non Shariah-compliant, equities thatpay regular dividends are known to be sensitive to the movement of interest rate. Anunanticipated rise in interest rate may reduce their attractiveness, potentially causing anadverse impact to the unit trust fund that invests in them.Interest rate movement also affects fixed-income securities, including sukuk. Generally,there is an inverse relationship between interest rate and sukuk prices, where an increaseof interest rate may lower the prices of the sukuk. In addition, sukuk with longer maturityand lower profit rates are more sensitive to interest rate changes. However, if the perceivedquality of a particular sukuk changed, the price of that sukuk may vary regardless ofinterest rate changes. The interest rate risk will be mitigated via the management of theduration of the sukuk portfolio.Please note that movement in interest rate will have an impact on the management of theFund regardless of whether it is a conventional or Shariah-compliant fund. It does not inany way suggest that the Fund will invest in conventional financial instruments.Prospectus in respect of the Manulife Shariah - Dana Ekuiti
Page 3: Message from the CeopageIDear Value
Page 7 and 8: RESPONSIBILITY STATEMENTSAND STATEM
Page 10 and 11: DEFINITIONpage4Shariah AdviserShari
Page 12 and 13: CORPORATE DIRECTORYpage6Manager’s
Page 14 and 15: CORPORATE DIRECTORYpage8TrusteeName
Page 16 and 17: CORPORATE DIRECTORYpage10Principal
Page 18 and 19: chapter1 KEY DATApage12THIS SECTIO
Page 20 and 21: chapter1 KEY DATApage14FEES, CHARG
Page 24 and 25: chapter2 RISK FACTORSpage182.1 Gen
Page 26 and 27: chapter2 RISK FACTORSpage202.2 Spe
Page 28 and 29: chapter3 DETAILED INFORMATION ON T
Page 35 and 36: chapter4 FEES, CHARGES AND EXPENSE
Page 37 and 38: chapter5 TRANSACTION INFORMATIONpa
Page 39 and 40: chapter5 TRANSACTION INFORMATIONpa
Page 41 and 42: chapter6 MANAGEMENT COMPANYpage356
Page 49 and 50: chapter7 TRUSTEEpage437.1 Backgrou
Page 52 and 53: chapter7 TRUSTEEpage467.8 Trustee
Page 54 and 55: chapter8 SHARIAH ADVISERpage488.4
Page 56 and 57: chapter9 SALIENT TERMS OF THE DEED
Page 58 and 59: chapter9 SALIENT TERMS OF THE DEEDp
Page 60 and 61: chapter9 SALIENT TERMS OF THE DEED
Page 63 and 64: chapter9 SALIENT TERMS OF THE DEEDp
Page 65 and 66: chapter10RELATED-PARTY TRANSACTIONS
Page 67 and 68: chapter11 TAX ADVISER’S LETTERpa
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chapter12 ADDITIONAL INFORMATIONpa
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chapter14 DOCUMENTS AVAILABLE FOR
Page 77 and 78:
DIRECTORS’ DECLARATIONpage71The f
Page 79 and 80:
UTAPPMASTER APPLICATION FORMIn comp
Page 81 and 82:
TERMS AND CONDITIONS OF THE MANULIF
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Prospectus in respect of the Manuli
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Prospectus - Manulife Insurance Berhad

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