the manulife advantage fund and gif select - Repsource - Manulife ...

THE MANULIFE ADVANTAGE FUND AND GIF SELECTThe Manulife AdvantageFund within a GIF Select Contractprovides the following key benefits:HIGHLY COMPETITIVE RATEPays a higher rate of interest than most savingsaccounts or money market funds and interest isearned on every dollarInterest rate is equal to the posted rate of theManulife Bank Advantage Account variable rateNO FEESThe MER is waived on this Fund and there areno monthly feesThe Fund is available in 0% front-end loadEASY ACCESS TO FUNDSThe money invested is always available*No term-length requiredELIGIBLE FOR ALL PLAN TYPESAvailable as non-registered and all registeredtax typesIdeal as a short-term investmentINSURANCE FEATURESEstate protectionThe potential for creditor protectionTips for using the ManulifeAdvantage FundA SHORT-TERM SAVINGS VEHICLEThe full balance will receive the variable interest rateof the Manulife Advantage Fund. Investing with a0% front-end load, no fees are charged when themoney is withdrawn. Plus, a trailer rate of 0.25%will be paid on funds invested at 0%.A GIC ALTERNATIVEThe Manulife Advantage Fund interest rate is variable, sowhen it goes up, your client benefits by the rising rate –the rate is not fixed and the funds are accessible at anytime.* Plus, this interest-bearing investment can be heldin the same contract as other funds.A MONEY MARKET FUND ALTERNATIVEThe MER is waived on the Manulife Advantage Fundplus it can offer a potentially higher rate of interest,making it a possible alternative to a Money Market Fund.LOOKING TO PARK $ FOR 90 DAYS OR LESS?If purchasing this type of fund as a ‘parking spot’ whereswitch instructions will be received within 90 days,consider using the Manulife DCA Advantage Fundinstead as it pays 5% gross commission (DSC) ondeposits. Assets must be switched out of the DCAAdvantage Fund within 12 months or less.* Fees may apply depending on sales charge option

Minimum investmentCompensationHolding requirementsRate of return (interest rate)Manulife DCA Advantage Fund$5,000 for IncomePlus Series*$5,000 for InvestmentPlus$5,000 for EstatePlusEquity CompDSC – 5% with 0.50% trailerNot for long term investmentCan only be held for 90 days without submittingswitch instructionsVariable rate of the Manulife Bank AdvantageAccount – MER waivedManulife Advantage Fund$5,000 for IncomePlus Series*$500 for InvestmentPlus$5,000 for EstatePlusMoney Market CompDSC – 1% with 0.15% trailerCan be held indefinitelyVariable rate of the Manulife Bank AdvantageAccount – MER waived* Initial minimum requirements per Series must also be met.Note: Switches between the Manulife DCA Advantage and the Manulife Advantage Fund are not allowed.GIF SELECT SALES CHARGE OPTIONS (%)Fund CategoryRedemption made duringthe first 7 years followingthe date of depositBack-end option redemptionfees as a percentage oforiginal deposit amountLow-load option fees asa percentage of originaldeposit amountFront-end optionManulifeAdvantage FundManulife DCAAdvantage Fundyear 1 1.50 1.00 0 - 5year 2 1.50 0.50year 3 1.50 0.50year 4* 1.00 0year 5 1.00 0year 6 1.00 0year 7 0.50 0year 8 and subsequent years 0year 1 5.50 2.50 0 - 5year 2 5.00 2.00year 3 5.00 1.50year 4* 4.00 0year 5 4.00 0year 6 3.00 0year 7 2.00 0year 8 and subsequent years 0 0*For Low-load funds, the amount is 0% from the beginning of year 4 and all subsequent yearsFor more information, contact your ManulifeInvestments Sales Team.www.manulifeinvestments.caFOR ADVISOR USE ONLYThe Manufacturers Life Insurance Company (Manulife Financial) is the sole issuer and guarantor of the Manulife GIF Select insurance contract which offers the IncomePlusbenefit. Manulife Investments is the brand name identifying the personal wealth management lines of business offered by Manulife Financial and its subsidiaries in Canada.GIF Select, Manulife, IncomePlus and the block design are registered servicemarks and trademarks of The Manufacturers Life Insurance Company and are used by it and itsaffiliates including Manulife Financial Corporation.MK2035E 06/10