choosing your avenue portfolio...
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Choosing your Avenue Portfolio 01/02
Choosing your Avenue Portfolio
Avenue Portfolios offer the simplest way of picking a well-diversified investment mix that’s right for you. They’re combinations of investment funds that take into account the time you have to invest and how comfortable you are with risk. Just pick the Avenue Portfolio that best matches your investor profile and your investment period.
Choosing your Avenue Portfolio is as simple as 1, 2, 3
1. Determine your investor profile Complete the investor profile questionnaire in your enrolment guide or in the VIP Room at manulife.ca.
2. Calculate your investment period
* Your target age is the age at which you plan to retire or convert these savings into income. If you do not provide a target age on your enrolment form or in the VIP Room at Manage your plans > personal data section, we will assume a target age of 65. 3. Choose your Avenue Portfolio
Pick the box corresponding to your investor profile (Conservative, Moderate, Aggressive) and your investment period (the number of years left to retirement).
Your target age*
= Investment period
- your current age
Avenue Portfolios
Investor profile
Inve
stm
ent p
erio
d
Conservative> 25 years
Conservative15 - 25 years
Conservative8 - 15 years
Aggressive 8 - 15 years
Moderate 8 - 15 years
Aggressive15 - 25 years
Moderate15 - 25 years
Aggressive> 25 years
Moderate> 25 years
Conservative< 8 years
Aggressive< 8 years
Moderate< 8 years
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Keeping your investments on track
Systematic asset rebalancingDay-to-day market fluctuations can cause your holdings to drift from your investment mix. Systematic asset rebalancing keeps your assets aligned to your investment instructions, by rebalancing them once per quarter. Activated when you pick an Avenue Portfolio, it automatically buys or sells (i.e. rebalances) units of funds so as to align your assets as closely as possible with your investment instructions. You can deactivate it at any time.Important: if you choose your own funds from the À la carte offering ( if offered under your program) instead of using an Avenue portfolio, you must activate Systematic Asset Rebalancing yourself by selecting it on the enrolment form or in the VIP Room.
Lifecycle movement Lifecycle movement adjusts your investment mix over time so that your investments remain appropriate to your investor profile and investment period. It is automatically activated when you pick an Avenue Portfolio and you can deactivate it at any time.
As you approach a new investment period, we will change your Portfolio keeping the same investor profile and rebalance your assets to a portfolio that lines up with your investment period.
Lifecycle movement
Investor profile
Inve
stm
ent p
erio
dConservative
> 25 years
Conservative15 - 25 years
Conservative8 - 15 years
Aggressive 8 - 15 years
Moderate 8 - 15 years
Aggressive15 - 25 years
Moderate15 - 25 years
Aggressive> 25 years
Moderate> 25 years
Conservative< 8 years
Aggressive< 8 years
Moderate< 8 years
Please note we neither suggest nor recommend any investment approach or fund in particular, whether it is an Avenue Portfolio or a personal investment selection, whether or not it includes the Lifecycle Movement and/or Systematic Asset Rebalancing services. Market-related funds are not guaranteed and the value of a member’s units will vary according to market conditions and the success of the funds’ manager. We are not responsible for the returns of the selected investments.
Furthermore, the selection of Avenue Portfolios, with or without the Lifecycle Movement and/or Systematic Asset Rebalancing services, is no promise or guarantee, explicit or implied, that selected investments will generate a satisfactory retirement income.
ExampleYour investment instructions
Your asset mix due to market fluctuation
Your asset mix after rebalancing
55%22%
11%
12%
45%
25%
15%
15%
55%22%
11%
12%
Canadian Equity – Manager A
Bond – Manager B
US Equity – Manager C
International Equity – Manager D
Aligned with your investment options