Prepared on: 2 November 2023

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 us to 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.
Manulife Income Series – Asian Balanced Fund (the “Sub-
Fund”)
Product Type 1 ILP Sub-Fund 2 Launch Date 18 April 2013

PRODUCT HIGHLIGHTS SHEET

Manager Manulife Investment Custodian Not Applicable
Management (Singapore)
Pte. Ltd.
Capital Guaranteed No Dealing Frequency Every Business Day
Name of Guarantor Not Applicable Expense Ratio for period 1.52%
ended 31 December 2022
SUB-FUND SUITABILITY
WHO IS THE SUB-FUND SUITABLE FOR? Further Information
The ILP Sub-Fund is only suitable for investors who: Refer to Appendix 5,
• seek medium to long term capital appreciation and income; Section IV – Product
• are comfortable that the price and value of the units as well as any derived or Suitability on Page 3 of the
accrued income may fall or rise, with potential loss of the original amount invested; Supplementary Fund
and Summary.
• understand that the Sub-Fund is not an Excluded Investment Product.
KEY FEATURES OF THE SUB-FUND
WHAT ARE YOU INVESTING IN? Refer to Section 21d –
• The Sub-Fund aims to provide medium to long term capital appreciation and Distribution Policy for the
income by investing primarily into Asian ex Japan (equities and bonds). ILP Sub-Funds on Page 15
• The Sub-Fund achieves this by investing 40% into the FSSA Dividend Advantage of the Fund Summary and
Fund, 20% into Manulife Global Fund – ASEAN Equity Fund (the “Underlying Appendix 5, Section V –
Equity Funds”) and 40% into Manulife Funds - Manulife Asia Pacific Investment Investment Focus and
Grade Bond Fund (the “Underlying Bond Fund”). Approach on Page 3 of the
• The Manager intends to declare a monthly distribution on the 20th of each month Supplementary Fund
(“Ex Distribution Date”), or the next Business Day, if that day is not a Business Summary.
Day. Manulife (Singapore) Pte. Ltd. may revise the monthly distribution dates in
the future. Distributions are declared in cents per unit. Investors who are invested
in the Sub-Fund and have units credited and held in their policy as at Ex
Distribution Date, as evidenced in our records, will be entitled to distributions.
• The monthly distribution may be determined by the Manager and or/ Manulife
Singapore Pte. Ltd. in its sole discretion and will be made out of either (i) income;
or (ii) net capital gains; or (iii) capital of the Fund or a combination of (i) and/or (ii)
and/or (iii). There is no guarantee, assurance and/or certainty that any distribution
will be made and if distributions are made, such distributions are not in any way a
forecast, indication or projection of the future or likely performance/ distribution of
the Sub-Fund. Any distributions shall not be taken to imply that future distributions
will be made. The Manager and/ or Manulife (Singapore) Pte. Ltd. may also vary
the frequency and/ or the amount of the distributions made.
• When distributions are declared and paid out (including out of capital) with
respect to the Sub-Fund, the net assets of the Sub-Fund will reduce by an amount

1 This is NOT an Excluded Investment Product. The definition of “Excluded Investment Product” can be found in
Annex 1 to the Notice on Recommendations on Investment Products [Notice No. FAA-N16] at
https://www.mas.gov.sg/regulation/notices/notice-faa-n16
2 For an ILP sub-fund that feeds 100% into an underlying Collective Investment Scheme (“CIS”) fund, some of

the information provided below could be similar to the underlying CIS fund.

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 equivalent to the distributions declared. Depending on the market movement, the
ILP Sub-Fund Price may remain unchanged, decrease or increase.
Investment Strategy
• The Sub-Fund currently seeks to achieve its investment objective by investing all Refer to Appendix 5,
or substantially all of its assets in the Underlying Equity Funds and Underlying Section V – Investment
Bond Fund with fixed target asset allocations of 60% and 40% respectively. Focus and Approach on
• The long-term strategic asset mix of the Sub-Fund are as follows: Page 3 of the
Long-term strategic asset mix: 60% Underlying Equity Funds; 40% Underlying Supplementary Fund
Bond Fund. The asset mix may vary by +/-10% and the Underlying Funds Mix Summary.
may vary by +/-5% due to fluctuation in market value of the Underlying Funds.
• The FSSA Dividend Advantage Fund will invest all or substantially all of its assets
in FSSA Asian Equity Plus Fund (the “Underlying Sub-Fund”) of the Underlying
Fund, a sub-fund under the Dublin registered umbrella fund known as First

PRODUCT HIGHLIGHTS SHEET

Sentier Investors Global Umbrella Fund plc. The Underlying Sub-Fund invests
primarily (at least 70% of its net asset value) in equity securities or equity-related
securities of companies that are listed, or have their registered offices in, or
conduct a majority of their economic activity in the Asia Pacific region (excluding
Japan). Such companies will be selected on the basis of their potential dividend
growth and long-term capital appreciation.
• The Manulife Global Fund – ASEAN Equity Fund aims to generate long-term
capital growth through investing at least 70% of its net assets in equity and equity
related securities of companies listed or incorporated in countries which are
members of ASEAN as well as companies incorporated outside ASEAN but which
have significant economic exposure to, or derive a significant proportion of their
income from the ASEAN region.
• The Manulife Funds - Manulife Asia Pacific Investment Grade Bond Fund aims to
maximize total returns from a combination of capital appreciation and income
generation through investing primarily in a diversified portfolio of investment
grade debt securities issued by governments, agencies, supra-nationals and
corporate issuers in the Asia Pacific region. It may from time to time also invest
up to 10% of its assets in debt securities issued in the United States (“U.S.”) and
European regions if the Investment Manager is of the view that such securities
will achieve the aim of maximizing the total investment returns of the fund.
Parties Involved
WHO ARE YOU INVESTING WITH? Refer to Appendix 5,
• The Manager of the Sub-Fund is Manulife Investment Management (Singapore) Section III, Manager of ILP
Pte. Ltd. Sub-Fund and Underlying
• The Manager of the FSSA Dividend Advantage Fund is First Sentier Investors Funds on Page 3 of the
(Singapore). Supplementary Fund
• The Management Company of the Manulife Global Fund – ASEAN Equity Fund is Summary.
Manulife Investment Management (Ireland) Limited. The Investment Manager is
Manulife Investment Management (Hong Kong) Limited.
• The Manager of the Manulife Funds - Manulife Asia Pacific Investment Grade
Bond Fund is Manulife Investment Management (Singapore) Pte. Ltd. and the
Sub-Managers are Manulife Investment Management (Hong Kong) Limited and
Manulife Investment Management (Europe) Limited.
KEY RISKS
WHAT ARE THE KEY RISKS OF THIS INVESTMENT? Refer to Section 8 - Risks
on Page 9 of the Fund
The value of your investment may rise or fall. Past performance is not indicative Summary and Appendix 5,
of future performance. These risk factors may cause you to lose some or all of Section VI – Risks
your investment: (Relates to the Underlying
Fund) on Page 6 of the
Supplementary Fund
Summary.
Market and Credit Risks
You are exposed to market risk in Asia (excluding Japan)

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• Certain situations may have a negative effect on the price of shares within a
particular market. These may include regulatory changes, political changes,
economic changes, technological changes and changes in the social environment.
You are exposed to currency risk.
• The investments and income of the Underlying Funds may be denominated in a
number of different currencies other than the base currency of the Underlying
Funds (or the units thereof) and will thus be subject to fluctuations in currency
exchange rates if the Manager or Sub-Managers do not hedge the foreign currency
exposure, and in certain cases, exchange controls regulations.
You are exposed to interest rate and credit risks
• The Underlying Bond Fund invests in debt securities which are subject to interest
rate fluctuations and credit risks where some issuers may either be unable to meet
their financial obligations or suffer adverse changes in their financial conditions
that could lower the credit quality of a security.

PRODUCT HIGHLIGHTS SHEET

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 securities risks
• Investment in securities in different markets is subject to general market, political
and economic conditions and the value of securities fluctuate in response to the
activities and performance results of the companies invested into.
You are exposed to emerging market risk
• Investing in shares in emerging markets may involve a greater risk than investing
in shares in developed markets.
You are exposed to single country / specific region risk
• The value of the Underlying Funds may be more volatile than a fund having a more
diversified portfolio of investments covering multiple countries.
You are exposed to small capitalisation/mid-capitalisation companies risk
• Securities in small-capitalisation/mid-capitalisation companies may have lower
liquidity and their prices are more volatile to adverse economic developments than
those of larger capitalisation companies in general.
You are exposed to single sector risk
• The value of the Underlying Funds may be more volatile than a fund having a more
diversified portfolio of investments.
You are exposed to charges against capital risk
• Fees and expenses are charged against the capital of the Underlying Funds (or
its Underlying Sub-Fund). Deducting expenses from capital reduces the potential
for capital growth and on any redemption. Unitholders may not receive back the
full amount invested.
You are exposed to derivatives (“FDI”) risk
• The Underlying Fund Managers may from time to time invest in FDIs (where
permitted), for hedging and/or efficient portfolio management purposes. The NAV
of the Underlying Funds may therefore have a certain level of volatility due to its
investment policies or portfolio management techniques. Participation in FDIs may
involve risks which differ from, and in some cases, greater than, the risks
associated with traditional securities investments. The risks presented by FDIs
include, but are not limited to, management risk, market risk, credit risk, liquidity
risk and leverage risk.
You are also exposed to China market risk, RMB currency and conversion risk, equity
linked notes risk, risks of investing in China A Shares and other eligible PRC securities
and futures via QFII and RQFII, concentration risk and risks specific to investment in
eligible China A Shares via the Stock Connects.
The Underlying Sub-Fund of the Underlying Fund will be subject to risks associated
with its investment into other collective investment schemes.
FEES AND CHARGES
WHAT ARE THE FEES AND CHARGES OF THIS INVESTMENT? Refer to Section 9 - Fees
Payable directly by you and Charges on page 9 of
You will need to pay the following fees and charges: the Fund Summary.

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 Bid-offer spread ILP Sub-Funds may be based on single pricing (NAV)
or bid-offer pricing. For bid-offer pricing, the bid-offer
spread may be up to 5%. Please refer to the terms in
the Product Summary of the relevant policy.
Redemption Charge NIL
Switching Fee Fund switching fees may be applicable. Please refer to
the terms in the product summary or policy contract of
the relevant policy
Payable by the Sub-Fund from invested proceeds:
Fund Management Fee* Currently 1.35% p.a.
Maximum 2.50% p.a.
Valuation Fee 0.0225% p.a. to 0.0325% p.a.

PRODUCT HIGHLIGHTS SHEET

* The Management Fee is not guaranteed, but it will not exceed the maximum
management fee. We reserve the right to change the fee by giving 30 days’ written
notice in advance.
Additional expenses will also be charged to the Sub-Fund:
o Audit fee
o Goods and Services Tax which is mainly incurred for valuation fee and audit fee
The Fund Management Fee indicated herein includes the Annual Management Fee of
the Underlying Funds.
VALUATIONS AND EXITING FROM THIS INVESTMENT
HOW OFTEN ARE VALUATIONS AVAILABLE? Refer to Section 11 -
The Sub-Fund is valued daily, on every Business Day. The Sub-Fund’s price is Redemption of Units,
available from our website, www.manulife.com.sg, after close of business on the day Section 13 - Payment of
the unit price is calculated. Redemption Proceeds and
HOW CAN YOU EXIT FROM THIS INVESTMENT AND WHAT ARE THE RISKS AND Section 14 - Switching/
COSTS IN DOING SO? Surrender/ Withdrawal of
• For a new policy application, you can enjoy a free-look period of 14 days. Should Units on pages 11, 12 of
you decide to cancel the policy during this period, the following will be refunded the Fund Summary.
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 NAV 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 NAV 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 NAV price will be calculated
the next Business Day.
b) After 3pm on a Business Day, the Sub-Fund’s NAV 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 NAV price is calculated.
• The proceeds is based on the product of the number of units surrendered and
the NAV price. Numerical example of redemption value as follows:
NAV price x Number of units surrendered = Surrender Value
S$1.250 x 1,000 = S$1,250
CONTACT INFORMATION
HOW DO YOU CONTACT US?
Manulife (Singapore) Pte. Ltd. Reg no. 198002116D
Tel : (65) 6737 1221
Website: http://www.manulife.com.sg
Email: service@manulife.com
APPENDIX: GLOSSARY OF TERMS

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“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 Manulife Income Series – Asian Balanced Fund
“Underlying Equity Funds” refers to the FSSA Dividend Advantage Fund and Manulife Global Fund – ASEAN
Equity Fund
“Underlying Bond Fund” refers to the Manulife Funds - Manulife Asia Pacific Investment Grade Bond Fund
“Underlying Funds” refers collectively to the FSSA Dividend Advantage Fund, Manulife Global Fund – ASEAN
Equity Fund and Manulife Funds - Manulife Asia Pacific Investment Grade Bond Fund
“Valuation Date” means the date on which We carry out a valuation to determine the NAV price of a Unit of the
Sub-Fund.
“We”, “Us” or “Our” refers to Manulife (Singapore) Pte. Ltd.

PRODUCT HIGHLIGHTS SHEET

“ILP Sub-Fund” refers to Investment-Linked Policy Sub-Fund.

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