PRODUCT HIGHLIGHTS SHEET
|
|
- Peregrine Underwood
- 8 years ago
- Views:
Transcription
1 Prepared on: 21 February 2013 This Product Highlights Sheet is an important document. It highlights the key terms and risks of the ILP sub-fund and complements the Product Summary and Fund Summary. It is important to read the Product Summary and Fund Summary, relating to the investment-linked plan prepared by Manulife (Singapore) Pte Ltd before deciding whether to purchase the ILP sub-fund. If you do not have a copy, please contact usto ask for one. You should not invest in the ILP sub-fund if you do not understand it or are not comfortable with the accompanying risks. Golden International Bond Fund (the Sub-Fund ) Product Type ILP Sub-Fund Launch Date 10 January 1997 Manager Western Asset Management Company Pte. Ltd Custodian Not Applicable Capital Guaranteed No Dealing Frequency Every Business Day Name of Guarantor Not Applicable Expense Ratio for period ended 31 December 2012 SUB-FUND SUITABILITY WHO IS THE SUB-FUND SUITABLE FOR? The Sub-Fund is only suitable for investors who: want to diversify their investments on a worldwide basis; require less volatile returns than those usually associated with that of equity investments; are looking for portfolio diversification and more stable returns. KEY FEATURES OF THE SUB-FUND WHAT ARE YOU INVESTING IN? The Sub-Fund invests all or substantially all its assets into Legg Mason Western Asset Global Bond Trust ( Underlying Fund ), which aims to maximise total returns in Singapore Dollar terms over the longer term by investing in a portfolio of high quality debt securities of Singapore and major global bond markets such as the G10 countries and Australia and New Zealand. Investment Strategy The Underlying Fund aims to outperform the Citigroup World Government Bond Index ex Japan (hedged to Singapore Dollar). The Manager and Sub-Managers will pursue an active but prudent approach which employs fundamental economic and market analysis to take maximum advantage of short and medium to long term investment opportunities in interest rate and currency trends of the global bond markets. The Underlying Fund will invest primarily in debt securities issued by 0.91% Further Information Objective in Appendix 3 information on suitability of the Sub-Fund. Objective in Appendix 3 information on features of the Sub-Fund. Objective and Investment Focus and Approach in Appendix 3 Page 1
2 governments, government linked companies and corporations (a) in Singapore: (b) in countries as defined by the Citigroup World Government Bond Index ex Japan or (c) in countries with a minimum investment grade credit rating of Aa2 by Moody s, AA by S&P, AA by Fitch Inc. or its equivalent investment grading by any other internationally reputable credit rating agency. The Underlying Fund will only invest in debt securities issued by governments of benchmark countries, or of issuers with a minimum credit rating of Aa2 by Moody s, AA by S&P, AA by Fitch Inc. or its equivalent investment grading by any other internationally reputable credit rating agency (and for issuers of Japanese debt securities, a minimum credit rating of A2 by Moody's, A by S&P, A by Fitch Inc. or its equivalent investment grading by any other internationally reputable credit rating agency).the Underlying Fund s investments in Japanese debt securities have been limited to 10% of its deposited property. The Managers and the Sub-Managers (as the case may be) may employ an active currency hedging programme to manage the non Singapore Dollar currency exposure. Investments in any one corporate issuer will be restricted to no more than 10% of the total value of the deposited property of the Underlying Fund. To ensure greater degree of liquidity, the Underlying Fund will not invest in more than 5% of the aggregate issued and outstanding securities of any single issue. The Underlying Fund currently does not engage in securities lending and/or carry out repurchase transactions although it is permitted to do so. The Underlying Fund may use swaps, forwards, options and futures for the purposes of hedging and efficient portfolio management. Parties Involved WHO ARE YOU INVESTING WITH? The Manager of the Sub-Fund is Western Asset Pte. Ltd. The Manager of the Underlying Fund is Western Asset Management Company Pte. Ltd. The Sub-Managers for the Underlying Fund are Western Asset Management Company and Western Asset Limited. KEY RISKS WHAT ARE THE KEY RISKS OF THIS INVESTMENT? Past performance is not indicative of future performance. These risk factors may cause you to lose some or all of your investment : information on the investment strategy of the Sub-Fund. Refer to sections headed The Fund Manager, Track Record of the Fund Managers and Manager of ILP and Underlying Fund on pages [4] and [26] of the information and what happens if they become insolvent. headed Risks (Relates to Underlying Fund) in Appendix 3 on page [28] of the information on risk of the Sub-Fund. Page 2
3 Market and Credit Risks You are exposed to market risk. Prices of securities in the Underlying Fund may go down or up in response to changes in economic conditions, political conditions, interest rates and market perception of securities which in turn may cause the price of units to rise or fall. You are exposed to interest rate risk. Any investments by the Underlying Fund in bonds, debentures, loan stocks, convertibles and other debt securities may decline in value if interest rates change. In general, the price of debt securities rises when interest rates fall, and fall when interest rates rise. You are exposed to currency risk. The income earned by the Underlying Fund may be affected by fluctuations in foreign exchange rates. The Manager may actively monitor and manage the Underlying Fund s exposure to adverse foreign exchange risks by hedging through the forwards or futures markets. You are exposed to debt securities risk. Issuers of bonds and other debt securities held by the Underlying Fund may default on their obligations despite careful selection of issuers. Liquidity Risks The Sub-Fund is not listed and you can redeem only on Business Days. There is no secondary market for the Sub-Fund. All redemption requests should be made to Manulife (Singapore) Pte Ltd. Product-Specific Risks You are exposed to derivatives risk. The Underlying Fund may invest in derivatives for purposes of risk management and hedging the underlying investment or currency exposures. Derivatives involve risks different from, and, in some cases, greater than, the risks presented by more traditional securities investments. The value of derivative instruments is subject to market risks and may fall in value as rapidly as it may rise and it may not always be possible to dispose of such instruments during such fall in value. FEES AND CHARGES WHAT ARE THE FEES AND CHARGES OF THIS INVESTMENT? Payable directly by you You will need to pay the following fees and charges: Bid-offer charge Redemption Charge Switching Fee 5% for Manulink Flexi, Manulink Flexi Plus 3% for Manulink Investor, Manulink Payable by the Sub-Fund from invested proceeds: Fund Management Fee* Valuation Fee NIL NIL for policyholders of Manulink Investor, Manulink, Manulink Flexi, Manulink Flexi Plus Currently 0.75% p.a. Maximum 2.50% p.a. Currently 0.025% p.a. Refer to section headed Fees and Charges on page [9] of the Manulife and John Hancock Fund Summary 2013 Vol. 1 (range of funds by Western Asset information on fees and charges. Page 3
4 *At least thirty (30) days advance notice will be given to you when We revise the fund management fee. Additional expenses will also be charged to the Sub-Fund: o Audit fee o GST which is mainly incurred for valuation fee and audit fee VALUATIONS AND EXITING FROM THIS INVESTMENT HOW OFTEN ARE VALUATIONS AVAILABLE? The Sub-Fund is valued daily, on every Business Day. The Sub-Fund s price is available from our website, after close of business on the day the unit price is calculated. The Sub-Fund s price is also published in The Straits Times, Business Times, Lianhe Zaobao and Teletext on a periodic basis. HOW CAN YOU EXIT FROM THIS INVESTMENT AND WHAT ARE THE RISKS AND COSTS IN DOING SO? For a new policy application, you can enjoy a free-look period of 14 days. Should you decide to cancel the Policy during this period, the following will be refunded to you: > For Regular Premium Plans: portion of premium that was paid but not allocated to purchase Units, plus the Account Value based on the Unit Offer Price on the next Valuation Date after the cancellation request, less the expenses (if any) incurred in the underwriting of the Policy. > For Single Premium Plans: the capital amount or the Account Value based on the Unit Offer Price on the next Valuation Date after the cancellation request, whichever is lower, less any medical fees. You may redeem your units by submitting a withdrawal request to Us or Our representative. If the withdrawal application is submitted to Us: a) Before 3pm on a Business Day, the Sub-Fund s Bid price will be calculated the next Business Day. b) After 3pm on a Business Day, the Sub-Fund s Bid price will be calculated 2 Business Days from the date of submission. Redemption Proceeds will be paid within 6 business days from the date that the Sub-Fund s Bid price is calculated. The proceeds is based on the product of the number of units surrendered and the Bid Price. Numerical example of redemption value as follows: Bid Price x Number of units surrender = Surrender Value S$1.250 x 1,000 = S$1,250 HOW DO YOU CONTACT US? Manulife (Singapore) Pte. Ltd. Reg no D Tel : (65) CONTACT INFORMATION Refer to sections headed Redemption of Units, Payment of Redemption Proceeds and Switching/ Surrender/ Withdrawal of Units on pages [11], [12] and [13] of the information on valuation and exiting from the Sub- Fund. Website: service@manulife.com APPENDIX: GLOSSARY OF TERMS Business Day refers to days other than a Saturday, Sunday and gazetted public holiday on which commercial banks are open for business in Singapore. Sub-Fund refers to the Golden International Bond Fund. Page 4
5 Underlying Fund refers to the Legg Mason Western Asset Global Bond Trust. Valuation Date means the date on which We carry out a valuation to determine the Offer and Bid Prices of a Unit of the Sub-Fund. We, Us or Our refers to Manulife (Singapore) Pte. Ltd. Page 5
PRODUCT HIGHLIGHTS SHEET
Prepared on 12 November 2015 This Product Highlights Sheet is an important document. It highlights the key terms and risks of the ILP Sub-Fund and complements the Product Summary. It is important to read
More informationTMLS Singapore Bond Fund (the Fund ) is an investment-linked policy sub-fund offered by Tokio Marine Life Insurance Singapore Ltd.
TMLS SINGAPORE BOND FUND SUMMARY (SUPPLEMENT TO PRODUCT SUMMARY) This supplement forms part of the product summary. You should read this together with the relevant Product Summary. Description of the Fund
More informationPRODUCT HIGHLIGHTS SHEET
This Product Highlights Sheet is an important document. Prepared on: 18 March 2016 It highlights the key terms and risks of this investment product and complements the Prospectus 1. It is important to
More informationSchroder International Selection Fund Emerging Markets Debt Absolute Return (the Fund )
Prepared on: 9 October 2015 This Product Highlights Sheet is an important document. It highlights the key terms and risks of this investment product and complements the Singapore Prospectus (the Prospectus
More informationTMLS Singapore Cash Fund (the Fund ) is an investment-linked policy sub-fund offered by Tokio Marine Life Insurance Singapore Ltd.
TMLS SINGAPORE CASH FUND SUMMARY (SUPPLEMENT TO PRODUCT SUMMARY) This supplement forms part of the product summary. You should read this together with the relevant Product Summary. Description of the Fund
More informationSchroder International Choice Portfolio - Schroder Global High Yield Fund (the Fund )
This Product Highlights Sheet is an important document. It highlights the key terms and risks of this investment product and complements the Prospectus¹. It is important to read the Prospectus before deciding
More informationSchroder International Opportunities Portfolio - Schroder Asian Income (the Fund )
This Product Highlights Sheet is an important document. It highlights the key terms and risks of this investment product and complements the Prospectus¹. It is important to read the Prospectus before deciding
More informationPRODUCT HIGHLIGHTS SHEET
Prepared on: 19 October 2012 This Product Highlights Sheet is an important document. It highlights the key terms and risks of this investment product and complements the Singapore Prospectus 1. It is important
More informationLegg Mason Western Asset Asian Opportunities Fund
PRODUCT KEY FACTS Legg Mason Global Funds Plc Legg Mason Western Asset Asian Opportunities Fund Issuer: Legg Mason Asset Management Hong Kong Limited January 2015 This statement provides you with key information
More informationMin. Investment Class A Units Initial: USD 1,000 Additional: USD 250
Issuer: PineBridge Investments Ireland Limited Product Key Facts PineBridge Global Funds PineBridge Global Emerging Markets Bond Fund 22 February 2013 This statement provides you with key information about
More informationProduct Key Facts. PineBridge Global Funds PineBridge Global Emerging Markets Bond Fund. 22 December 2014
Issuer: PineBridge Investments Ireland Limited Product Key Facts PineBridge Global Funds PineBridge Global Emerging Markets Bond Fund 22 December 2014 This statement provides you with key information about
More informationPRODUCT HIGHLIGHTS SHEET
Prepared on 18 January 2016 This Product Highlights Sheet is an important document. It highlights the key terms and risks of this investment product and complements the Singapore Prospectus 1 ( Prospectus
More informationIndustrial and Commercial Bank of China Limited Dealing frequency: Daily on each business day *
APRIL 2016 This statement provides you with key information about Income Partners RMB Bond Fund (the Sub-Fund ). This statement is a part of the offering document and must be read in conjunction with the
More informationPRODUCT HIGHLIGHTS SHEET
Prepared on: 17 October 2013 This Product Highlights Sheet is an important document. It highlights the key terms and risks of this investment product and complements the Singapore Prospectus 1. It is important
More informationMacquarie Index Tracking Global Bond Fund Product Disclosure Statement
Macquarie Index Tracking Global Bond Fund Investment Management 4 July 206 Macquarie Index Tracking Global Bond Fund Product Disclosure Statement Contents. About Macquarie Investment Management Australia
More informationPRODUCT KEY FACTS BOCHK RMB Fixed Income Fund
PRODUCT KEY FACTS BOCHK RMB Fixed Income Fund a sub-fund of the BOCHK Investment Funds Issuer: BOCI-Prudential Asset Management Limited 29 April 2016 This statement provides you with key information about
More informationInvestors in the D share class of the Contributing Fund will be moved into the A1 share class of the Receiving Fund
Schroder Alternative Solutions Société d'investissement à Capital Variable 5, rue Höhenhof, L-1736 Senningerberg Grand Duchy of Luxembourg Tel : (+352) 341 342 202 Fax : (+352) 341 342 342 18 May 2016
More informationInvestment-linked Insurance plans (ILPs)
Produced by > your guide to Investment-linked Insurance plans (ILPs) An initiative of This Guide is an initiative of the MoneySENSE national financial education programme. The MoneySENSE programme brings
More informationSchroders Schroder Global Blend Fund
Schroders Schroder Global Blend Fund Product Disclosure Statement Issued 27 October 2014 Contact details Schroder Investment Management Australia Limited (ABN 22 000 443 274) (AFSL No: 226 473) Registered
More informationState Street Global Equity Fund ARSN 162 547 784 APIR SST0050AU
Product Disclosure Statement State Street Global Equity Fund ARSN 162 547 784 APIR SST0050AU Issued 6 October 2015 by State Street Global Advisors, Australia Services Limited ABN 16 108 671 441, AFSL 274900
More informationBT Balanced Equity Income Fund
BT Balanced Equity Income Fund Product Disclosure Statement (PDS) Issued 26 September 2012 Contents 1 About BT Investment Management (RE) Limited 2 How the BT Balanced Equity Income Fund works 3 Benefits
More informationGLG INVESTMENTS PLC GLG GLOBAL CONVERTIBLE UCITS FUND SIMPLIFIED PROSPECTUS 6 February 2009
GLG INVESTMENTS PLC GLG GLOBAL CONVERTIBLE UCITS FUND SIMPLIFIED PROSPECTUS 6 February 2009 This simplified prospectus contains key information in relation to GLG Global Convertible UCITS Fund (the Portfolio
More informationJupiter Merlin International Equities Portfolio
Jupiter Merlin Funds Jupiter Merlin International Equities Portfolio Jupiter Asset Management Limited Product Key Facts April 2016 Product Key Facts This statement provides you with key information about
More informationInvesco Funds Series 1-5 Consolidated Prospectus
Invesco Funds Series 1-5 Consolidated Prospectus 26 November 2010 Invesco Funds Series 1 Invesco Funds Series 2 Invesco Funds Series 3 Invesco Funds Series 4 Invesco Funds Series 5 Each an open-ended umbrella
More informationHFT (HK) CHINA INVESTMENT SERIES II HFT (HK) CHINA HIGH YIELD BOND FUND (the Sub-Fund )
PRODUCT KEY FACTS HFT (HK) CHINA INVESTMENT SERIES II HFT (HK) CHINA HIGH YIELD BOND FUND (the Sub-Fund ) Issuer: HFT Investment Management (HK) Limited April 2015 This statement provides you with key
More informationUTILITY SPLIT TRUST. Annual Financial Statements for the year ended December 31, 2011
Annual Financial Statements for the year ended December 31, 2011 MANAGEMENT S RESPONSIBILITY FOR FINANCIAL REPORTING The accompanying financial statements of Utility Split Trust (the Fund ) are the responsibility
More informationProduct Disclosure Statement
Product Disclosure Statement BT Wholesale Core Global Share Fund Issued 24 July 2015 Contents 1 About BT Investment Management (Fund Services) Limited 2 How the BT Wholesale Core Global Share Fund works
More informationHSBC Mutual Funds. Simplified Prospectus June 8, 2015
HSBC Mutual Funds Simplified Prospectus June 8, 2015 Offering Investor Series, Advisor Series, Premium Series, Manager Series and Institutional Series units of the following Funds: HSBC Global Corporate
More informationHSBC Mutual Funds. Simplified Prospectus June 15, 2016
HSBC Mutual Funds Simplified Prospectus June 15, 2016 Offering Investor Series, Advisor Series, Premium Series, Manager Series and Institutional Series units of the following Funds: Cash and Money Market
More informationGlobal Savings Account Accelerate your wealth creation. Global Savings Account 1
Global Savings Account Accelerate your wealth creation Global Savings Account 1 1 Global Savings Account Global Savings Account 2 Nurture a strong and secure future You ve worked hard to build a better
More informationShares Western Asset Middle Market Income Fund Inc.
The information in this prospectus is not complete and may be changed. We may not sell these securities until the registration statement filed with the Securities and Exchange Commission is effective.
More informationPRODUCT HIGHLIGHTS SHEET
PRODUC his Product ighlights heet is an important document. t highlights the key terms and risks of the P sub-fund and complements the Product ummary. t is important to read the Product ummary before deciding
More informationAppendix. Debt Position and Debt Management
Appendix Debt Position and Debt Management BUDGET '97 BUILDING ALBERTA TOGETHER Table of Contents Debt Position and Debt Management... 349 The Consolidated Balance Sheet and Net Debt... 350 Liabilities...
More informationDimensional Short Term Fixed Interest Trust
Dimensional Short Term Fixed Interest Trust PRODUCT DISCLOSURE STATEMENT Issued by DFA Australia Limited ( Dimensional ) ABN 46 065 937 671 APIR DFA0100AU Australian Financial Services Licence number:
More informationPRODUCT KEY FACTS BOCIP HK Dollar Money Market Fund
PRODUCT KEY FACTS BOCIP HK Dollar Money Market Fund a sub-fund of BOCIP Asset Management Investment Funds Issuer: BOCI-Prudential Asset Management Limited 29 April 2016 This statement provides you with
More informationHERMES GLOBAL HIGH YIELD BOND FUND. (a sub-fund of Hermes Investment Funds public limited company) SUPPLEMENT
If you are in any doubt about the contents of this Supplement, you should consult your stockbroker, bank manager, solicitor, accountant or other independent financial adviser. The Directors of the Company,
More informationInvestment Options and Risk
Investment Options and Risk Issued 1 July 2013 The information in this document forms part of the Product Disclosure Statement for the Military Superannuation and Benefits Scheme (MilitarySuper), third
More informationCANACCORD GENUITY INVESTMENT FUNDS PLC. Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014 CGWM SELECT INCOME FUND
CANACCORD GENUITY INVESTMENT FUNDS PLC Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014 CGWM SELECT INCOME FUND This Supplement contains specific information in relation to CGWM
More informationIFP Global Franchise Fund
Investment Management April 206 IFP Global Franchise Fund Macquarie Professional Series Product Disclosure Statement IFP Global Franchise Fund This Product Disclosure Statement (PDS) is a summary of significant
More informationHSBC Global Investment Funds. Global Fund Solutions
HSBC Global Investment Funds Global Fund Solutions Introduction At HSBC Global Asset Management, we bring you the best of what our multi-specialist investment teams have to offer. HSBC Global Investment
More informationFund guide. Prudence Bond Prudence Managed Investment Bond
Fund guide Prudence Bond Prudence Managed Investment Bond Introduction to this guide We know that choosing which fund may be best for you isn t easy there are many options and everyone is different so
More informationJohn Hancock Bond Trust. John Hancock Focused High Yield Fund (the fund )
John Hancock Bond Trust John Hancock Focused High Yield Fund (the fund ) Supplement dated June 24, 2016 to the current Summary Prospectus, as may be supplemented The following information supplements and
More informationWalter Scott Global Equity Fund (Hedged) Macquarie Professional Series Product Disclosure Statement
Investment Management 1 July 2014 Walter Scott Global Equity Fund (Hedged) Walter Scott Global Equity Fund (Hedged) Macquarie Professional Series Product Disclosure Statement This Product Disclosure Statement
More informationSUMMARY PROSPECTUS. TCW High Yield Bond Fund FEBRUARY 29 I SHARE: TGHYX N SHARE: TGHNX
TCW High Yield Bond Fund I SHARE: TGHYX N SHARE: TGHNX 20 6 FEBRUARY 29 SUMMARY PROSPECTUS Before you invest, you may want to review the Fund s Prospectus which contain more information about the Fund
More informationEQT Diversified Fixed Income Fund
EQT Diversified Fixed Income Fund Product Disclosure Statement ARSN 601 989 815 APIR ETL0420AU Issue Date 10 August 2015 This Product Disclosure Statement ( PDS ) has been prepared and issued by Equity
More informationInvestment options and risk
Investment options and risk Issued 1 November 2013 The information in this document forms part of the Product Disclosure Statement for the Commonwealth Superannuation Scheme (CSS), sixth edition, issued
More informationADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015
ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015 Before you invest in the AdvisorShares Fund, you may want to review the Fund s prospectus and statement of additional
More information1 YOUR GUIDE TO INVESTMENT-LINKED INSURANCE PLANS. Contents. Introduction to Investment-Linked Insurance Plans (ILPs) How ILPs Work
Contents 02 Introduction to Investment-Linked Insurance Plans (ILPs) 07 How ILPs Work 11 Insurance Protection 12 Investment Returns 14 Fees and Charges 15 Key Questions to Ask & Documents to Note 18 Dispute
More informationAnalytic Global Managed Volatility Fund Macquarie Professional Series Product Disclosure Statement
Investment Management 1 July 2014 Analytic Global Managed Volatility Fund Analytic Global Managed Volatility Fund Macquarie Professional Series Product Disclosure Statement This Product Disclosure Statement
More informationPIMCO Foreign Bond Fund (U.S. Dollar- Hedged)
Your Global Investment Authority PIMCO Foreign Bond Fund (U.S. Dollar- Hedged) SUMMARY PROSPECTUS July 31, 2015 (as supplemented December 1, 2015) Share Class: Inst P Admin D A C R Ticker: PFORX PFBPX
More informationGREATLINK GLOBAL TECHNOLOGY FUND (FUND DETAILS)
Fund Details version 24 (Errors & Omissions excepted) With effect from May 2015 GREATLINK GLOBAL TECHNOLOGY FUND (FUND DETAILS) The objective of the ILP Sub-Fund is to achieve long-term capital growth
More informationJohn Hancock Retirement Choices at 2045 Portfolio
CLICK HERE FOR PROSPECTUS CLICK HERE FOR THE STATEMENT OF ADDITIONAL INFORMATION John Hancock Retirement Choices at 2045 Portfolio (FORMERLY JOHN HANCOCK RETIREMENT 2045 PORTFOLIO) SUMMARY PROSPECTUS 12
More informationPERMANENT HEALTH FUND FINANCIAL STATEMENTS
FINANCIAL STATEMENTS Years Ended August 31, 2001 and 2000 Deloitte & Touche LLP Suite 2300 333 Clay Street Houston, Texas 77002-4196 Tel: (713) 982-2000 Fax: (713) 982-2001 www.us.deloitte.com INDEPENDENT
More informationWhitehaven Equity Income Fund
Whitehaven Equity Income Fund ARSN: 166 733 133 Product Disclosure Statement Dated 6 January 2014 Whitehaven Private Portfolios Ltd Investment Manager and Responsible Entity ABN 64 109 808 577; AFSL 300878
More informationTMLS GLOBAL EQUITY FUND SUMMARY (SUPPLEMENT TO PRODUCT SUMMARY)
TMLS GLOBAL EQUITY FUND SUMMARY (SUPPLEMENT TO PRODUCT SUMMARY) This supplement forms part of the product summary. You should read this together with the relevant Product Summary. Description of the Fund
More informationWhat is Secure Joint Life Plan?
Jubilee Life s Secure Joint Life Plan gives you and your family total financial security and peace of mind while providing life insurance coverage to two lives simultaneously. It provides you a solution
More informationMLC Investment Trust Product Guide
MLC Investment Trust Product Guide Preparation date 1 July 2014 Issued by The Trustee, MLC Investments Limited ABN 30 002 641 661 AFSL 230705 The purpose of this guide is to give you the information you
More information1 JULY 2015. Investment Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS
1 JULY 2015 Investment Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS Your investment choice TWUSUPER was established in 1984 as the Industry SuperFund for people in transport and logistics. By understanding
More informationCOMMUNITY FOUNDATION OF GREATER MEMPHIS, INC. INVESTMENT GUIDELINES FOR MONEY MARKET POOL
INVESTMENT GUIDELINES FOR MONEY MARKET POOL discretionary Money Market Pool is expected to pursue their stated investment strategy and follow the investment guidelines and objectives set forth herein.
More informationTMLS GLOBAL BOND FUND SUMMARY (SUPPLEMENT TO PRODUCT SUMMARY)
TMLS GLOBAL BOND FUND SUMMARY (SUPPLEMENT TO PRODUCT SUMMARY) This supplement forms part of the product summary. You should read this together with the relevant Product Summary. Description of the Fund
More informationINSURANCE (LINKED LONG TERM INSURANCE BUSINESS) RULES 2014 ARRANGEMENT OF RULES
INSURANCE (LINKED LONG TERM INSURANCE BUSINESS) RULES 2014 ARRANGEMENT OF RULES PART I PRELIMINARY 1. Citation 2. Interpretation 3. Application of the Rules PART II GENERAL REQUIREMENTS 4. Establishment
More informationINDUSTRIAL-ALLIANCE LIFE INSURANCE COMPANY. FIRST QUARTER 2000 Consolidated Financial Statements (Non audited)
INDUSTRIAL-ALLIANCE LIFE INSURANCE COMPANY FIRST QUARTER 2000 Consolidated Financial Statements (Non audited) March 31,2000 TABLE OF CONTENTS CONSOLIDATED INCOME 2 CONSOLIDATED CONTINUITY OF EQUITY 3 CONSOLIDATED
More informationI.A.M. National 401(k) Plan. Investment Options Summary
I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement
More informationComStage 1. ComStage 1 DAX UCITS ETF. Issuer: Commerz Funds Solutions S.A. 29 June 2016
PRODUCT KEY FACTS ComStage 1 ComStage 1 DAX UCITS ETF Issuer: Commerz Funds Solutions S.A. 29 June 2016 Quick facts This is an exchange traded fund. This statement provides you with key information about
More informationSUPPLEMENT Davy Strategic Global Equity Fund
Davy Funds p.l.c. An open-ended umbrella investment company with variable capital and segregated liability between sub-funds incorporated with limited liability in Ireland under the Companies Acts 1963
More informationLEGG MASON GLOBAL FUNDS PLC Riverside Two Sir John Rogerson s Quay, Grand Canal Dock, Dublin 2, Ireland
LEGG MASON GLOBAL FUNDS PLC Riverside Two Sir John Rogerson s Quay, Grand Canal Dock, Dublin 2, Ireland 5 March 2015 THIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION. IF YOU ARE IN ANY
More informationAustralian Share Fund Class A Units
Australian Share Fund Class A Units Product Disclosure Statement 21 October 2013 Table of Contents 1 About Ellerston Capital Limited 2 How the Ellerston Australian Share Fund works 3 Benefits of Investing
More informationMy LV= Pension Plan Diversified Growth Fund Fund Factsheet 4th Quarter 2012
This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and
More informationDumfries Mutual Insurance Company Financial Statements For the year ended December 31, 2010
Dumfries Mutual Insurance Company Financial Statements For the year ended December 31, 2010 Contents Independent Auditors' Report 2 Financial Statements Balance Sheet 3 Statement of Operations and Unappropriated
More informationPIMCO Global Bond Fund Wholesale Class
Your Global Investment Authority PIMCO Global Bond Fund Wholesale Class Product Disclosure Statement PIMCO Funds MFUND PMF03 ARSN 093 530 486 APIR ETL0018AU ISSUE DATE 30 NOVEMBER 2015 Contents 1. About
More informationCGWM Bond Fund. Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014. Investment Objective. Investment Policy.
CGWM Bond Fund To us there are no foreign markets. TM Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014 This Supplement contains specific information in relation to the CGWM Bond
More informationInvestment Menu Retail Managed Accounts
Investment Menu Retail Managed Accounts IMPORTANT INFORMATION This Investment Menu is issued by Linear Asset Management Ltd (ABN 11 119 757 596, AFSL 304542) ( Responsible Entity we, our or us ), the responsible
More informationFriends Life Online Stakeholder Pension Fund guide
Friends Life Online Stakeholder Pension Fund guide This guide describes the funds available for investment under our Friends Life Online Stakeholder Pension and sets out their aims. Which funds can I choose
More informationPURPOSE FUNDS. Simplified Prospectus PURPOSE PREMIUM YIELD FUND. ETF shares, Series A shares and Series F shares
No securities regulatory authority has expressed an opinion about these securities and it is an offence to claim otherwise. PURPOSE FUNDS Simplified Prospectus PURPOSE PREMIUM YIELD FUND ETF shares, Series
More informationCGWM Total Return Bond Fund
To us there are no foreign markets. TM CGWM Total Return Bond Fund Supplement dated 6 October 2015 to the Prospectus dated 6 October 2015 This Supplement contains specific information in relation to the
More informationClosed to new investors
Managed Investment Funds Product Disclosure Statement A range of funds that allows you to create an investment portfolio that suits your individual needs This is a combined Financial Services Guide and
More informationInvestment options and risk
Investment options and risk Issued 1 July 2015 The information in this document forms part of the Product Disclosure Statement for the Public Sector Superannuation accumulation plan (PSSap), eighth edition,
More informationUBS Diversified Fixed Income Fund Product Disclosure Statement
12 October 2015 UBS Diversified Fixed Income Fund Product Disclosure Statement Issue No. 3 ARSN: 090 428 372 APIR: SBC0007AU MFUND: UAM06 Issued by UBS Global Asset Management (Australia) Ltd ABN 31 003
More informationBMO Global Asset Management (Asia) Limited 11 February 2016
Product Key Facts BMO MSCI JAPAN HEDGED TO USD ETF BMO Global Asset Management (Asia) Limited 11 February 2016 Quick facts This is an exchange traded fund. This statement provides you with key information
More informationSIMPLIFIED PROSPECTUS. PIMCO Funds: Global Investors Series plc CommoditiesPLUS Strategy Fund 9 February, 2010
SIMPLIFIED PROSPECTUS PIMCO Funds: Global Investors Series plc CommoditiesPLUS Strategy Fund 9 February, 2010 This Simplified Prospectus sets out information relating to the CommoditiesPLUS Strategy Fund
More informationYour guide to Managed Funds.
Your guide to Managed Funds. An introduction to Managed Funds 1 Investing in Managed Funds 2 Key benefits 6 Risks 7 The Citibank advantage 8 About Citigold 11 An introduction to Managed Funds There s a
More informationFUNDY MUTUAL INSURANCE COMPANY CONSOLIDATED FINANCIAL STATEMENTS
CONSOLIDATED FINANCIAL STATEMENTS INDEX Page INDEPENDENT AUDITORS' REPORT 1-2 CONSOLIDATED FINANCIAL STATEMENTS Statement 1 - Consolidated Balance Sheet 3 Statement 2 - Consolidated General Reserve and
More informationSeix Total Return Bond Fund
Summary Prospectus Seix Total Return Bond Fund AUGUST 1, 2015 (AS REVISED FEBRUARY 1, 2016) Class / Ticker Symbol A / CBPSX R / SCBLX I / SAMFX IS / SAMZX Before you invest, you may want to review the
More informationMacquarie Australian Fixed Interest Fund Product Disclosure Statement
Macquarie Australian Fixed Interest Fund Investment Management April 206 Macquarie Australian Fixed Interest Fund Product Disclosure Statement Contents. About Macquarie Investment Management Australia
More informationThe Merchant Securities FTSE 100. Hindsight II Note PRIVATE CLIENT ADVISORY
The Merchant Securities FTSE 100 Hindsight II Note Our first FTSE-100 Hindsight Note is now fully subscribed; however, as a result of exceptional investor demand we are launching the FTSE- 100 Hindsight
More informationGUARDIAN CANADIAN BOND FUND
GUARDIAN CANADIAN BOND FUND FINANCIAL STATEMENTS DECEMBER 31, 2010 March 11, 2011 PricewaterhouseCoopers LLP Chartered Accountants PO Box 82 Royal Trust Tower, Suite 3000 Toronto-Dominion Centre Toronto,
More informationMagellan Global Fund. Product Disclosure Statement 16 June 2014. Contents. Contact Details ARSN 126 366 961 APIR MGE0001AU
Magellan Global Fund ARSN 126 366 961 APIR MGE0001AU Product Disclosure Statement 16 June 2014 Issued by Magellan Asset Management Limited ABN 31 120 593 946, AFS Licence No. 304 301 Contents 1. About
More informationPRINCIPAL GLOBAL INVESTORS FUNDS. Supplement dated 31 July 2013. for the Long/Short Global Opportunities Equity Fund
PRINCIPAL GLOBAL INVESTORS FUNDS Supplement dated 31 July 2013 for the Long/Short Global Opportunities Equity Fund This Supplement contains specific information in relation to the Long/Short Global Opportunities
More informationDCI Investment Trust. Da Cheng China RMB Fixed Income Fund. Addendum to the Explanatory Memorandum dated January 2012 ( Explanatory Memorandum )
DCI Investment Trust Da Cheng China RMB Fixed Income Fund Addendum to the Explanatory Memorandum dated January 2012 ( Explanatory Memorandum ) IMPORTANT NOTE: This Addendum is supplemental to and forms
More informationUNIT INVESTMENT TRUST FUNDS (UITF) Frequently Asked Questions FOR BANK USE ONLY
1. What is a Unit Investment Trust Fund (UITF)? A Unit Investment Trust Fund (UITF) is an open-ended pooled trust fund denominated in pesos or any acceptable currency, which is established, operated and
More informationTD Mutual Funds Fund Profiles
TD Mutual Funds Fund Profiles U.S. Equity Funds TD North American Dividend Fund TD U.S. Blue Chip Equity Fund TD U. S. Quantitative Equity Fund TD U.S. Large-Cap Value Fund TD U.S. Large-Cap Value Currency
More informationLiquidity and Funding Resources
112 Allianz Group Annual Report Liquidity and Funding Resources Organization The liquidity management of the Allianz Group is based on policies and guidelines approved by the Board of Management of Allianz
More informationProduct Key Facts CSOP China 5-Year Treasury Bond ETF
Product Key Facts CSOP China 5-Year Treasury Bond ETF CSOP Asset Management Limited 1 February 2016 This is an exchange traded fund. This statement provides you with key information about this product.
More informationTotal Capital International Period from January 1 to March 31, 2014
KPMG Audit ERNST & YOUNG Audit This is a free translation into English of a report issued in French and it is provided solely for the convenience of English-speaking users. This report should be read in
More informationADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)
ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 295 501 APIR ADV0053AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund
More informationTHIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION. IF IN DOUBT, PLEASE SEEK PROFESSIONAL ADVICE.
Fidelity Funds Société d Investissement à Capital Variable 2a, Rue Albert Borschette B.P. 2174 L-1021 Luxembourg R.C.S. B34036 Tél: +352 250 404 (1) Fax: +352 26 38 39 38 THIS DOCUMENT IS IMPORTANT AND
More informationTD Managed Assets Program
TD Asset Management TD Managed Assets Program Simplified Prospectus October 27, 2015 TD Managed Portfolios (1)(4) TD Managed Income Portfolio (3)(5) TD Managed Income & Moderate Growth Portfolio (3)(5)
More informationGlobal Choice. Product Summary Valid from February 2014
Global Choice Product Summary Valid from February 2014 This document contains important information regarding the main features, benefits and risks of Global Choice which will help you decide whether a
More information