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Income opportunities remain abundant amid ongoing US rate cut cycle

26 January 2026

Following a strong 2025, driven by the AI mega trend, energy transition, Fed rate cut expectations and the potential for a new Fed composition, alongside broadening fiscal support, we anticipate a clearer macroeconomic backdrop and improving growth momentum as 2026 progresses. While the US Federal Reserve (Fed) is expected to continue easing monetary policy during the year, income generating opportunities remain abundant across diversified global markets and sources, extending well beyond traditional government bonds, towards high yields and option writing.

Against this backdrop, the main objective of the Manulife Global Fund – Global Multi-Asset Diversified Income Fund (“GMADI” or “the Fund”) remains with a clear and heightened focus towards income generation. Regardless of near-term equity market performance or fluctuations in the monetary policy cycle, the Fund seeks to deliver a high and consistent distribution income while maintaining exposure to long term capital growth opportunities.

In 2026, we see income opportunities across Fixed Income and taking advantage of selling options as we expect periods of heightened volatility. However, we also see broader equity returns and therefore a globally diversified portfolio such as GMADI is well positioned for greater breadth and equity return capture across global markets.

Summary:

  • We continue to expect the Fed to deliver two to three rate cuts in 2026. Given expectations of elevated rates, income opportunities remain abundant across global markets. We believe multi‑asset income investing will remain highly relevant in 2026.
  • Positioning remains supportive of risk assets with a focus on income generation whilst maintaining a stable NAV.
  • Income investing often has defensive attributes. The GMADI portfolio looks to maintain a stable NAV throughout market drawdowns and periods of (geopolitical driven) volatility which we expect in 2026.
  • Recent positioning includes:
    • Asset Allocation: Seek to increase portfolio beta, when appropriate, supported by expectations that global growth will remain steady.
    • Equities: Maintain a diversified and balanced profile to mitigate sector driven volatility, with overweights in healthcare, consumer discretionary, and energy.
    • Fixed Income: Opportunistically take on additional credit risk, focusing on BB and B-rated credits to balance yield generation and risk.
    • Options: Continue a flexible option-writing approach (e.g. out-of-the-money call writing) to balance premium harvesting with participation in market upside.

 

Let us revisit how global asset classes performed in 2025.

Global risk assets delivered strong gains over the year, supported by easing financial conditions and policy expectations that increasingly favoured growth. Emerging Markets outperformed Developed Markets, benefiting from a weaker US Dollar, growing EM Tech attractiveness and improving earnings momentum across Asia Pacific ex Japan and Latin America. Performance in Asia was led by Korea and Taiwan, driven by semiconductor and AI related demand, while Chinese equities rebounded sharply.

At the sector level within the MSCI World Index, Information Technology remained a key contributor to overall performance. Financials, Industrials, and Materials outperformed, reflecting broadening market participation and improving cyclical confidence, while Utilities and Real Estate lagged amid interest rate sensitivities.

Fixed income returns were broadly positive, whilst remaining a solid contributor to yield. The higher risk segments of Fixed Income outperformed with Emerging Market Debt and Global High Yield achieving strong 2025 results, both of which are important yield contributors to the GMADI portfolio. The portfolio remains anchored around high yielding credits, with an average credit rating of BB, and is therefore less duration sensitive to rate movements – expectations are that lower rates should benefit the more levered high yield corporates in the market and their respective financials, which should place less pressure on significant spread widening.

Commodities, outside of oil, posted strong positive returns, led by strength in precious & base metals as well as agricultural commodities, while oil-related energy prices lagged amid ample supply, although OPEC and geopolitics could see the oil-dynamic change into 2026. The US Dollar Index declined over the year, providing a supportive tailwind for commodities and non-US assets.

Chart 1: 2025 major asset classes cumulative performance (%)1

Chart 2: 2025 global equity sector cumulative performance (%)1

Aims at maintaining high single-digit distribution yield

Income capture continues to remain robust across both traditional and non-traditional income sources. GMADI’s payout is currently approximately 8.12%, supported by a natural underlying yield of approximately 7.4%2 from fixed income coupons, equity dividends and option premiums – with less reliance on equity gains to make the income payout.

We continue to expect the US Federal Reserve to deliver two to three rate cuts in 2026, with policy rates gradually trending toward an estimated ~3% by year-end, as the Fed balances moderating – but still above-trend – inflation against a cooling labour market. Against this backdrop, we do not expect the ongoing US rate cutting cycle to have a significant adverse impact on the Fund’s distribution profile. We anticipate the payout will remain competitive, within the high single-digit range, while the natural underlying yield is expected to remain in the 7.0%–8.0% range throughout 2026. The GMADI portfolio has a number of levers across the fixed income, equity and option investment pillars to navigate income capture, capital returns and downside volatility management.

Positioning for 2026

As of 31 December 2025, GMADI’s asset allocation comprised approximately 25% equities (including REITs), 48% fixed income, 23% in equity-related securities/options with the remaining in cash. Looking ahead to 2026, current positioning remains supportive of risk assets with a focus on income generation whilst maintaining a stable NAV. Recent positioning includes:

1. Additional beta opportunities as global growth and sentiment holds up

  • Aiming to capture the expectations of greater market breadth in 2026 by adding incremental exposure towards equity and equity-related securities

2. A diversified balanced profile to mitigate sector-driven volatility

  • Underweight tech – although selective towards higher quality tech names (Software preferred)
  • Overweight healthcare – complement tech with defensive names including Equipment & Service Healthcare names
  • Overweight energy – a focus on liquefied natural gas (LNG) names (AI power demand) and refiners
  • Less overweight consumer discretionary – preference for retail, auto dealers and luxury
  • Less underweight industrials/materials/logistics – high quality names/muted drawdowns
  • Added to REITs on recent weakness – strong yield generator

3. Potentially taking more credit risk

  • US rates are guided to move lower over the next 12 months with the team expecting two to three rate cuts. US rates will however remain elevated (note GMADI was launched in 2019 when rates were zero whilst paying out a solid income for clients) and therefore an abundance of yields will still remain on offer throughout the year within US Fixed Income.
  • Opportunities in preferred utilities/energy & select high yield and emerging market credits

4. Flexible option-writing to balance between premium harvesting and market upside potential

  • Tactically adjust strike rates and premium capture, e.g. wider option strikes to allow for more equity beta when market volatility is low.

Equity – increase exposure, overweight healthcare and adding to industrials/materials

  • Technology: Artificial intelligence remains a structural growth driver, with US equity markets supported by large-cap technology companies and sustained investment in data centres, semiconductors, and cloud infrastructure. While the sector continues to offer a broad opportunity set of high-quality, structurally growing businesses, valuations in certain segments –particularly mega-cap hardware and infrastructure-oriented names – remain elevated. As a result, the Fund remains underweight technology at this stage. That said, we remain selective and would add exposure should valuations become more compelling. Within the sector, we are currently overweight software companies, which tend to be less exposed to tariff risks and geopolitical tensions, and benefit from scalable business models and high operating leverage.
  • Healthcare: We view healthcare as a core overweight within the equity allocation, supported by three key factors. First, labour-cost pressures across the sector are easing, while earnings growth is increasingly supported by AI-driven productivity gains, including task automation, AI-assisted clinical diagnostics, and longer-term applications in drug discovery. Second, despite its defensive characteristics, the sector trades at a meaningful valuation discount relative to both the broader market and technology, offering attractive risk-adjusted return potential in 2026. Third, healthcare’s market-capitalisation weight is near a three-decade low, which appears misaligned with its long-term demand fundamentals.

Chart 3: Healthcare sector traded at a meaningful discount to broader markets

Source: Bloomberg, as of 31 December, 2025.

  • Industrials & Materials: We also remain constructive on industrials and materials, having added to the sector more recently, focusing on companies leveraged to infrastructure spending, re-industrialisation trends, and the build-out of AI-related infrastructure, including power, logistics, construction materials, and selected equipment manufacturers. These exposures represent a “picks-and-shovels” play to AI. Valuations across the sector are generally more attractive, with favourable price-to-earnings growth (PEG) profiles and improved cash-flow visibility.

In terms of geographical allocation, we believe broadening global opportunities and regional tailwinds, including a weaker US dollar and improving macro conditions in Europe and Asia (including Japan), reinforce the case for diversified equity exposure. Europe’s recovery, fiscal stimulus, and attractive valuations create a supportive backdrop, although geopolitical wrangling with the US could add to volatility, while Asia offers compelling opportunities in manufacturing and tech-export economies. Japan, South Korea and Taiwan stand out on technology leadership and policy support, and early signs point to a more constructive tactical view on Chinese Mainland. In addition, as growth globally slows, we expect to see more breadth in equity markets beyond growth beneficiaries and technology names, towards more cyclicality and quality value-oriented names which could do better into 2026.

Fixed Income: High Yield and select preferred securities

Given current valuations and tight spreads, it is crucial to emphasise the importance of selecting appropriate securities within a capital structure to generate significant income and safeguard capital. Additionally, the flexibility of the portfolio allows for allocation across various fixed income sectors and credit levels, making it easier to navigate softer economic environments. In summary, there are still attractive opportunities to generate income within the credit and spread sectors, with the potential for some spread compression and a limited risk of permanent capital impairment.

The portfolio remains well anchored with approximately 50% fixed income exposure, with the majority of this through global high yield credits across the quality spectrum. Rate cuts should benefit the more levered corporates in the high yield market, given better fundamentals, whilst exposures to higher quality investment grade and preferred securities helps balance allocations for the broad portfolio. The Fixed Income allocation averages around 8 basis points per bond holding, with approximately 700 names, whilst higher conviction names can average 3 times more in terms of allocation sizing. The GMADI portfolio has to meet a high income payout and therefore looks to allocate across B, BB and, where appropriate, CCC names in order to meet the income objective whilst ensuring clients are not overly exposed to outsize risks.

We expect spreads to remain stable so do not see enormous upside but see US high yield as solid yield contributors. Duration is naturally low with the portfolio given the high yield allocations. Credit and default risk is the risk the team are managing over rate-sensitivity/duration risk.

Further opportunities for GMADI we see in hybrid bonds, in the utilities and energy sector issued by investment grade companies, where we get extra income for junior to unsecured bonds for example. Furthermore, within Global high yield and Emerging Market credit, compressed spreads mean the opportunity is to avoid and minimise impact from defaults.

Although credit spreads across many fixed income sectors remain historically tight, Emerging Market Debt stands out as an area where we are selectively constructive. This view is supported by a weakening US Dollar and the disciplined policy response from emerging market central banks, many of which tightened monetary policy earlier and more aggressively than their developed market peers. As a result, inflation has been relatively well contained, providing EM central banks with greater scope to ease policy if required. Compared with developed markets, EM assets also offer more attractive real yield opportunities. The team are looking for further opportunities in local EM Debt profiles into 2026.

GMADI will continue to emphasise diversified, higher‑quality income streams, including preferred securities and junior subordinated bonds. These instruments are well positioned to benefit from an ongoing rate‑cutting environment, while allowing the Fund to balance elevated income generation with issuer quality considerations.

Lower policy rates are also expected to be supportive for more leveraged high‑yield corporates, improving their interest‑coverage metrics and reducing refinancing risk. This dynamic should help limit the likelihood of significant spread widening within the high‑yield segment.

Option-writing: Wider strikes to allow greater participation in an equity market rally

GMADI maintains a globally diversified set of exposures designed to deliver a range of coupon and dividend income opportunities through fixed income and equity holdings, complemented by an active option-writing strategy. Option-writing has consistently been a core contributor to the Fund’s income profile, currently accounting for approximately 40% of the Fund’s natural underlying yield , and we expect it to remain a key driver of income in 2026.The team shall look to balance premium capture and income generation alongside equity returns through 1) more or less equities with a call writing structure attached 2) widening strike rates to allow for less income but potentially more equity participation and upside 3) add to long dated long calls to add incremental equity participation.

Chart 4: Natural underlying yield break down by asset classes3

 

Beyond generating option premiums, the option-writing strategy also provides a disciplined means of enhancing equity exposure through the use of equity and equity index options. In 2026, the Fund will continue to roll options, however may potentially look to widen strike levels should equity risk assets remain well supported, allowing for greater participation in a rising equity market while maintaining a meaningful level of income generation. Although realised volatility remains near historical lows, resulting in lower option premiums in absolute terms, the incremental impact of using wider strikes is limited under these conditions, helping to preserve the effectiveness of the option strategy.

In addition, we believe option writing on global market indices helps income stability, effectively capturing premium even as implied volatility in global markets declined.

Conclusion:

Although the Fed is expected to continue cutting rates in 2026 – we see the magnitude of rate cuts to reflect the strength of the US economy – growth has been upgraded in the US, earnings remain resilient, AI capex guidance remains strong whilst job creation is moderating somewhat but may not be enough, at present, to push for the Fed to cut aggressively. Given expectations of elevated rates, income opportunities remain abundant across global markets. High yield bonds and option-writing continue to offer attractive sources of income, whilst equities offer exposure to strong expected earnings growth with some dividends. As such, we believe multi‑asset income investing will remain highly relevant in 2026.

Within this framework, the Fund seeks incremental equity exposure through a globally diversified, income‑oriented approach, providing defensive income‑generating characteristics amid ongoing market uncertainty. Key sources of uncertainty include global growth dynamics, debates surrounding the sustainability of the AI investment cycle, changes in the Fed leadership, geopolitical and trade developments, labour‑market trends, and the evolving policy path of the Fed. By aligning sector exposures to durable secular trends, keeping valuation discipline at the forefront, and sustaining diversified income streams, the Fund aims to deliver high income and competitive returns within a controlled risk framework for 2026.

 

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1 Source: Bloomberg, FactSet, data as of 31 December 2025. Performance is in USD and total return. Equities indices represented by MSCI indices. Preferred securities = ICE BofAML US All Cap Securities index; Emerging Market Debt = JPM EMBI. Asian Dollar Bond represented by Markit iboxx index. Global high yield bond = Bloomberg Global High Yield total return index unhedge. Global Investment grade bond represented by FTSE indices. Commodities = TR CRB Index. US dollar = US dollar index. Past performance is not indicative of future performance.

2 Source: Manulife Investment Management. For the period ended 31 December 2025, the annualised yield of the Fund’s AA (USD) MDIST (G) class was 8.12%. Dividend rate and dividend are not guaranteed. Dividends may be paid out of capital. Refer to important note 2. Please note that a positive distribution yield does not imply a positive return. The natural underlying yield is a function of the Fund’s underlying portfolio yield, comprising income and equity holdings as well as options premiums generated from call and put writing, amongst others. 

3 Manulife Investment Management, Barclays Point. As of 31 December 2025. Performance breakdown and yield breakdown by asset class are as of total portfolio return and yield. Due to rounding, the total may not be equal to 100%. The above yield does not represent the distribution yield of the Fund and are not an accurate reflection of the actual return that an investor will receive in all cases. A positive distribution yield does not imply a positive return.

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  1. The short name and full name of the following funds are as follows: Asia Pacific Investment Grade Bond Fund = Manulife Asia Pacific Investment Grade Bond Fund; Global Asset Allocation – Growth Fund = Manulife Global Asset Allocation – Growth Fund; SGD Income Fund = Manulife SGD Income Fund; Singapore Bond Fund = Manulife Singapore Bond Fund; Singapore Equity Fund = Manulife Singapore Equity Fund.
  2. The following are sub-funds of Manulife Global Fund:
    Asia Dynamic Income Fund, Asia Pacific REIT Fund, Asia Total Return Fund, Asian High Yield Fund, Asian Short Duration Bond Fund, Asian Small Cap Equity Fund, China Total Return Bond Fund, China Value Fund, Dragon Growth Fund, Global Climate Action Fund, Global Equity Fund, Global Multi-Asset Diversified Income Fund, Global REIT Fund, Healthcare Fund, India Equity Fund, Preferred Securities Income Fund, Sustainable Asia Bond Fund, Sustainable Asia Equity Fund, U.S. Bond Fund, U.S. Equity Fund, U.S. Special Opportunities Fund.
  3. The following are sub-funds of Manulife Funds:
    Asia Pacific Investment Grade Bond Fund, Global Asset Allocation – Growth Fund, SGD Income Fund, Singapore Bond Fund, Singapore Equity Fund.

 

Use of Email

The security of electronic mail sent through the Internet is not guaranteed. Do not send sensitive or confidential information to us via electronic mail. Delivery, and timely delivery, of electronic mail is also not guaranteed. Manulife therefore recommends that you do not send time-sensitive or action-oriented messages to us via electronic mail. Manulife may not, and is not obliged to, process your requests, orders, or instructions until Manulife can confirm your instructions or obtain appropriate written documentation where it deems necessary.


Manulife shall not be under any obligation whatsoever, express or implied, to reply to unsolicited correspondence, communications or email or to acknowledge receipt of the same.

 

Privacy and Data Protection

Your privacy is very important to Manulife. To the extent any information you provide or which we obtain from this website constitutes personal data, we have set procedures for the use of that information.


You agree that all information and/or particulars sent or submitted by you through the website is non-confidential and non-proprietary unless otherwise expressly indicated by you. You acknowledge that Manulife, its directors, officers, employees, contractors and agents shall not be subject to any confidentiality obligations in respect of any such information and/or particulars and you agree that Manulife, its directors, officers, employees, contractors and agents may, and you hereby authorise each of them to, use and to disclose such information to any person (including without limitation any third party service provider) in connection with Manulife's internal business purposes.


Without prejudice to the generality of the foregoing, you consent to the processing by Manulife of the personal data submitted by you through the website and/or created in the course of the business relationship with Manulife, and to the transmission of such personal data to other companies within the Manulife (by the internet or otherwise) for purposes connected with marketing and customer administration. If you do not wish your information to be used in this way, you should advise Manulife in writing.


If you have any questions on our data protection policies and practices, please write to us at our corporate address:

The Data Protection Officer
Manulife Investment Management (Singapore) Pte. Ltd.
8 Cross Street
#16-01 Manulife Tower
Singapore 048424

 

Disclaimers

Manulife does not warrant this website for any particular purpose. It is provided "as is" and on an "as available" basis. Manulife disclaims, to the fullest extent of the law, any warranty of any kind, whether statutory, express or implied, as to any information, materials, content or matter provided at or through this website or otherwise relating to this website, including without limitation the implied warranties of merchantability, fitness for a particular purpose, non-infringement of third party rights, or freedom from computer virus or other malicious destruction or corrupting code, agent, program or macros. Use of this website is at your own risk.


Manulife and its directors, officers, or employees will not be liable or have any responsibility of any kind for any loss or damage that you incur arising from or in connection with:

  1. any delay, termination, failure, defect, or interruption in the transmission of this website; 
  2. any inaccuracy, error, unavailability, or incompleteness in the transmission of this website; 
  3. any termination or interruption of your access to this website; 
  4. your reliance on or use of this website; 
  5. any e-mail requests, orders, or instructions you send, or the interception by third parties of any requests, orders, or instructions you send via e-mail; 
  6. any act or omission of Manulife in making this website available to you; or 
  7. any other cause relating to your access to or use of this website, whether or not the circumstances giving rise to such cause may have been within the control of Manulife or within the control of any other party providing software or services support for this website.


Manulife does not warrant that this website, or the functions contained in this website, will be uninterrupted or error-free, that defects will be corrected, or that this website, or the servers that make it available, are free from viruses or other harmful components. You assume the entire cost of any necessary servicing, repairing, or correcting of your property or operations as a result of using this website. You accept at your own risk that the Internet or other online communications medium may not perform as intended as a result of human, mechanical, or other error, despite the efforts of Manulife, you, or any third party. 

In no event will Manulife or its directors, officers, or employees be liable to you for any direct, indirect, special, consequential, or incidental damages related in any way to your use of this website, even if: (a) such damages are reasonably foreseeable; or (b) Manulife or any other party has been advised of the possibility of such damages.

 

Records

You acknowledge and agree that Manulife Singapore's records and any records of communications, transactions, instructions or operations relating to the operation of the website and any record of any communications, transactions, instructions or operations maintained by Manulife Singapore or by any relevant person authorised by Manulife Singapore relating to or connected with the website shall be binding on you for all purposes whatsoever and shall be conclusive evidence of such communications, transactions, instructions or operations. You agree that such records are admissible in evidence and that you shall not challenge or dispute the admissibility, reliability, accuracy or the authenticity of the contents of such records merely on the basis that such records were in electronic form or were produced by or are the output of a computer system, and hereby waive any of your rights (if any) to so object.

 

Governing Law

These Terms shall be subject to, governed by, and construed in accordance with the laws of Singapore, and you hereby submit to the non-exclusive jurisdiction of the Singapore Courts.

 

Disclaimer (Singapore Investors)

 

Please read carefully these Terms and Conditions of Use (these "Terms") relating to access and use of this website. By clicking "accept" at the bottom of this page, you confirm that you agree to the Terms and Global Terms, and are an investor domiciled in Singapore. By clicking "accept" below, you also confirm that you consent to the setting of cookies on this machine to remember site preferences and track user activity. If you do not agree to be bound by or comply with the Terms or the Global Terms, or do not consent to the use of cookies, please do not access or use this website.
 

This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. ("Manulife Singapore"), which is an entity regulated by Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and a fund management company included under the Central Provident Fund Investment Scheme (CPFIS).
 

Manulife Singapore reserves the right, in its sole discretion, to change, modify, add to, or remove portions of these Terms at any time. We suggest that you check these Terms periodically for changes. Any changes, modifications, or additions to, or deletions from these Terms shall be notified to you by, and effective upon, posting on this website. You agree that such notification of changes shall be sufficient notice for the purpose of this clause. If you use this website after we post changes to the Terms, you are deemed to have accepted the Terms as changed. If you do not agree to be bound by the changes, you shall immediately cease all access and/or use of this website. Manulife Singapore expressly reserves the right to monitor any use of this website.


You agree:- (i) to comply with all the notices, guidelines, rules and instructions pertaining to the use of the website as issued by Manulife Singapore from time to time and/or made available at this website, including all specific terms and conditions governing use of specific aspects of the website set out in any additional terms and conditions; (ii) to abide by all applicable laws and regulations in your use of the website; (iii) not to impersonate any person or entity or to falsely state or otherwise misrepresent your affiliation with any person or entity; (iv) not to upload or distribute in any way files that contain viruses, corrupted files or any other similar software, programs, macros or files that may impair or damage the operation of another's computer or handset; and (v) not to post, promote or transmit through the website any unlawful, harassing, libellous, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature.


The information provided on this website is intended solely for use by Singapore residents and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country. Nothing on this website shall be considered as a solicitation to buy or an offer to sell a security or service to any person. Manulife Singapore does not claim that any products or services referenced in this site are available in any particular jurisdiction or appropriate for any particular investor. If you choose to access this website from a location outside Singapore, you do so on your own initiative, and you are responsible for compliance with any applicable local laws. By proceeding you are representing and warranting that you are either resident in Singapore or the applicable laws and regulations of your jurisdiction allow you to access the information on this website.


Manulife Singapore may from time to time without giving any reason or prior notice, upgrade, modify, alter, suspend, discontinue the provision of or remove, whether in whole or in part, this website and shall not be liable if any such upgrade, modification, suspension or alteration to the website prevents you from accessing the website or any part or feature thereof. The information and/or any other material contained in the website may be modified, deleted or replaced from time to time and at any time in the absolute discretion of Manulife Singapore. Any changes, modifications, or additions to, or deletions from these Terms or Global Terms shall be effective upon posting on this website. If you access this website, including the country-specific sections, after changes are posted to the Terms or Global Terms, you further acknowledge the Terms or Global Terms as changed and agree to be bound by them.


You will indemnify Manulife and their officers, directors, employees and agents in respect of any third party claim for any injury, loss, damage or expense occasioned by or arising directly or indirectly from your use of this website or any information or content therein, and/or the use or supply of information to a third party provided in breach of any of your obligations under these Terms.

 

Limitation of Liability on System and Transmission over the Internet

Manulife, or any of their respective directors, officers, employees or agents shall not liable for any event of Force Majeure, any virus or other harmful component affecting the website or any server that operates it, any interception of data or communications in connection with the public nature of the internet, any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software failure of any email or entry to be received on account of technical problems or traffic congestion on the Internet, telephone lines or at any website, or any combination thereof, including any loss of opportunities or profit arising from any time delay, system disruption or interruption, transmission blackout, delayed transmission or any incorrect data transmission, or any injury or damage to the computer or other electronic devices or property of any person accessing their website or any other person related to or resulting from accessing the websites or downloading any materials from the website of Manulife Singapore or any third party.


Manulife, or any of their respective directors, officers, employees or agents shall not be liable for any and all losses, injury (including special, indirect and consequential losses), damages, rights, claims and actions of any kind resulting from accessing or downloading any materials from the website of Manulife Singapore or any third party, including without limitation, personal injuries, death and property damage.


Except as specifically set forth herein or where the law requires a different standard, we shall not be responsible for any loss, damage or injury or for any direct, indirect, special, incidental, exemplary, or consequential damages, including lost profits, arising from or related to the system, equipment, browser and/or the installation or maintenance thereof, access to or use of the website, failure of electronic or mechanical equipment, the internet, the system, or communication lines, telephone or other interconnect problems, bugs, errors, configuration problems or incompatibility of computer hardware, software, the internet, or the system, failure or unavailability of internet access, problems with internet service providers, problems or delays with intermediate computer or communications networks or facilities, problems with data transmission facilities or any other problems you experience due to causes beyond our control.

 

Intellectual Property

All copyrights, trademarks, logos, service marks, trade names, or other intellectual property displayed on, or used in conjunction with, this website are proprietary to Manulife, unless otherwise indicated. All intellectual property and proprietary rights in the content, including but not limited to text, software, code, scripts, webpages, music, sound, photographs, video, graphics, graphical user interface, forms, diagrams or other material contained in the website belong to Manulife or the applicable third party service provider unless otherwise indicated. Manulife reserves all rights with respect to intellectual property ownership of all material on this website, and will enforce such rights to the full extent permissible by law. The material accessible on or through this website is made available for personal browsing and printing purposes only. You may access material displayed on this website for your non-commercial use only provided that you also retain all copyright and other proprietary notices contained on the materials. Users of this website may not otherwise:

  1. copy, reproduce, modify, sell, republish, post, transmit, or distribute in any way material from this website without the express, written permission of Manulife; 
  2. use, copy, modify, or display any Manulife name, logo, text, or graphic image without Manulife's express, written permission;
  3. display any of the pages, text, images, or other content of this website using "framing" technology without Manulife's express written permission; 
  4. use or reproduce the pages, text, images, or other content from this website for any purpose other than browsing or printing for personal, non-commercial use only; 
  5. take any action to create an impression of affiliation, sponsorship, or endorsement between any user and/or website and Manulife; or 
  6. insert a hyperlink to this website (or any part thereof) on any other website or webpage or "mirror" any material contained on this website on any other server or establish and/or maintain, on any website or webpage, any in-links, frame-links and/or any other type of hyperlinks to this website or any part thereof.


The website may contain content posted, emailed or otherwise submitted by you and/or, in the case of the website, by other users of the website (“User Content”). Manulife Singapore has the right to access and examine any User Content and may in its absolute discretion move, remove or disable access to User Content or cause the same to be done. You grant Manulife Singapore a perpetual, irrevocable, royalty free licence to use, reproduce, modify, adapt, publish, translate, incorporate in other works, distribute and display any information posted, emailed or otherwise submitted by you, in whole or in part.

 

Computer Equipment, Browser Access and Internet Services

You are responsible for obtaining, installing, maintaining and operating all software, hardware or other equipment (collectively, “System”) necessary for you to access and use and access this website. This responsibility includes, without limitation, your utilising up to date web-browsers and the best commercially available encryption, antivirus, anti-spyware, and internet security software. You are additionally responsible for obtaining Internet services via the Internet service provider of your choice, for any and all fees imposed by such Internet service provider and any associated communications service provider charges. You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks, including, but not limited to those we may disclose in our materials. You acknowledge that you are responsible for the data security of the Systems used to access this website, and for the transmission and receipt of information using such Systems. You acknowledge that you have requested access to the website for your convenience, have made your own independent assessment of the adequacy of the Internet and Systems and that you are satisfied with that assessment. Manulife Singapore is not responsible for any errors or problems that arise from the malfunction or failure of the Internet or your Systems nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems. Although we may provide a link to a third party site where you may download software, we make no endorsement of any specific software, hardware or Internet Service Provider and your use of any such software, hardware or service may also be subject to the license or other agreements of that provider, in addition to these Terms of Use.

 

Hyperlinks

We do not recommend or endorse and accept no responsibility for the content of any website not operated by Manulife Singapore which you may visit by following a link from this website. You acknowledge and agree that Manulife Singapore is not responsible for the availability of such third-party sites or resources, and do not endorse, approve, investigate or verify, and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further agree that Manulife Singapore shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on such external sites or resources. These links are provided as a convenience and solely for informational purposes. Manulife Singapore is not making any recommendation to invest in, purchase, or sell any securities or other products or services issued by the companies with the linked sites, nor has Manulife Singapore sought to verify or confirm the information contained in the linked sites. Accordingly, Manulife Singapore disclaims any responsibility for the linked sites.


No other website, without the prior written permission of Manulife Singapore, is authorized to link to any part of this website.

 

Investments

The contents on this website are for information only and without consideration given to the specific investment objective, financial situation and particular needs of any particular person and Manulife does not make any representation that the securities, investment products or services referred to, discussed on, or accessible through, this website are suitable for any particular investor. You should consider whether the security, investment product or service in question is suitable for you and may wish to seek professional advice before making a commitment to invest in any such security, investment product or to engage such service.
 

The contents on this website is not and should not be construed as being an offer to sell or a solicitation of an offer to buy any security or investment product that may be referred to, discussed on, or accessible through this website. Nor does this website constitute an offering or recommendation by Manulife of any security, investment product, investment management service, or advisory service. Manulife does not provide and should not be construed as providing investment advice, tax advice, or legal advice through this website, and you agree that this website will not be used by you for such purposes. You acknowledge that any requests that may be made by you for information on any security, investment product or service are unsolicited, and the provision of any information through this website shall not constitute or be considered investment advice, or an offer to sell, or a solicitation of an offer to buy any security, investment product or service.


Any forecasts or opinions set out on this website are Manulife's own as at the date of the relevant document and may change without notice and should not be regarded as a guarantee or indication of future or likely performance of the subject matter in question. Whilst Manulife believes that the information provided on this website is correct at the date of production, no warranty or representation is given to this effect and Manulife expressly disclaims liability for errors or omissions in such information. No reliance may be placed for any purpose on the information and opinions provided on this website or the accuracy or completeness thereof and no responsibility can be accepted by Manulife to anyone for any action taken on the basis of such information or opinions.


An offer of units in any fund referenced in this website may only be made in or accompanied by a prospectus and/or relevant offering document(s) in respect of such offer. The information and materials set out in this website is not to be taken as a substitute for the prospectus and/or offering document(s) of the relevant fund, as applicable, and you are advised to read the relevant documents (which are available and may be obtained from Manulife Singapore or any of its authorised distributors]) before applying for units in any fund.


Investments in any fund are not deposits in, guaranteed or insured by Manulife. The value of units in any fund and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of future performance. You should be aware that investment in any fund involves financial risk and you may not get back the principal amount invested. Depending on your currency of reference, factors including but not limited to currency fluctuations may adversely affect the value of your investments and the income accruing there from.
 

On this website:

  1. The short name and full name of the following funds are as follows: Asia Pacific Investment Grade Bond Fund = Manulife Asia Pacific Investment Grade Bond Fund; Global Asset Allocation – Growth Fund = Manulife Global Asset Allocation – Growth Fund; SGD Income Fund = Manulife SGD Income Fund; Singapore Bond Fund = Manulife Singapore Bond Fund; Singapore Equity Fund = Manulife Singapore Equity Fund.
  2. The following are sub-funds of Manulife Global Fund:
    Asia Dynamic Income Fund, Asia Pacific REIT Fund, Asia Total Return Fund, Asian High Yield Fund, Asian Short Duration Bond Fund, Asian Small Cap Equity Fund, China Total Return Bond Fund, China Value Fund, Dragon Growth Fund, Global Climate Action Fund, Global Equity Fund, Global Multi-Asset Diversified Income Fund, Global REIT Fund, Healthcare Fund, India Equity Fund, Preferred Securities Income Fund, Sustainable Asia Bond Fund, Sustainable Asia Equity Fund, U.S. Bond Fund, U.S. Equity Fund, U.S. Special Opportunities Fund.
  3. The following are sub-funds of Manulife Funds:
    Asia Pacific Investment Grade Bond Fund, Global Asset Allocation – Growth Fund, SGD Income Fund, Singapore Bond Fund, Singapore Equity Fund.

 

Use of Email

The security of electronic mail sent through the Internet is not guaranteed. Do not send sensitive or confidential information to us via electronic mail. Delivery, and timely delivery, of electronic mail is also not guaranteed. Manulife therefore recommends that you do not send time-sensitive or action-oriented messages to us via electronic mail. Manulife may not, and is not obliged to, process your requests, orders, or instructions until Manulife can confirm your instructions or obtain appropriate written documentation where it deems necessary.


Manulife shall not be under any obligation whatsoever, express or implied, to reply to unsolicited correspondence, communications or email or to acknowledge receipt of the same.

 

Privacy and Data Protection

Your privacy is very important to Manulife. To the extent any information you provide or which we obtain from this website constitutes personal data, we have set procedures for the use of that information.


You agree that all information and/or particulars sent or submitted by you through the website is non-confidential and non-proprietary unless otherwise expressly indicated by you. You acknowledge that Manulife, its directors, officers, employees, contractors and agents shall not be subject to any confidentiality obligations in respect of any such information and/or particulars and you agree that Manulife, its directors, officers, employees, contractors and agents may, and you hereby authorise each of them to, use and to disclose such information to any person (including without limitation any third party service provider) in connection with Manulife's internal business purposes.


Without prejudice to the generality of the foregoing, you consent to the processing by Manulife of the personal data submitted by you through the website and/or created in the course of the business relationship with Manulife, and to the transmission of such personal data to other companies within the Manulife (by the internet or otherwise) for purposes connected with marketing and customer administration. If you do not wish your information to be used in this way, you should advise Manulife in writing.


If you have any questions on our data protection policies and practices, please write to us at our corporate address:

The Data Protection Officer
Manulife Investment Management (Singapore) Pte. Ltd.
8 Cross Street
#16-01 Manulife Tower
Singapore 048424

 

Disclaimers

Manulife does not warrant this website for any particular purpose. It is provided "as is" and on an "as available" basis. Manulife disclaims, to the fullest extent of the law, any warranty of any kind, whether statutory, express or implied, as to any information, materials, content or matter provided at or through this website or otherwise relating to this website, including without limitation the implied warranties of merchantability, fitness for a particular purpose, non-infringement of third party rights, or freedom from computer virus or other malicious destruction or corrupting code, agent, program or macros. Use of this website is at your own risk.


Manulife and its directors, officers, or employees will not be liable or have any responsibility of any kind for any loss or damage that you incur arising from or in connection with:

  1. any delay, termination, failure, defect, or interruption in the transmission of this website; 
  2. any inaccuracy, error, unavailability, or incompleteness in the transmission of this website; 
  3. any termination or interruption of your access to this website; 
  4. your reliance on or use of this website; 
  5. any e-mail requests, orders, or instructions you send, or the interception by third parties of any requests, orders, or instructions you send via e-mail; 
  6. any act or omission of Manulife in making this website available to you; or 
  7. any other cause relating to your access to or use of this website, whether or not the circumstances giving rise to such cause may have been within the control of Manulife or within the control of any other party providing software or services support for this website.


Manulife does not warrant that this website, or the functions contained in this website, will be uninterrupted or error-free, that defects will be corrected, or that this website, or the servers that make it available, are free from viruses or other harmful components. You assume the entire cost of any necessary servicing, repairing, or correcting of your property or operations as a result of using this website. You accept at your own risk that the Internet or other online communications medium may not perform as intended as a result of human, mechanical, or other error, despite the efforts of Manulife, you, or any third party. 

In no event will Manulife or its directors, officers, or employees be liable to you for any direct, indirect, special, consequential, or incidental damages related in any way to your use of this website, even if: (a) such damages are reasonably foreseeable; or (b) Manulife or any other party has been advised of the possibility of such damages.

 

Records

You acknowledge and agree that Manulife Singapore's records and any records of communications, transactions, instructions or operations relating to the operation of the website and any record of any communications, transactions, instructions or operations maintained by Manulife Singapore or by any relevant person authorised by Manulife Singapore relating to or connected with the website shall be binding on you for all purposes whatsoever and shall be conclusive evidence of such communications, transactions, instructions or operations. You agree that such records are admissible in evidence and that you shall not challenge or dispute the admissibility, reliability, accuracy or the authenticity of the contents of such records merely on the basis that such records were in electronic form or were produced by or are the output of a computer system, and hereby waive any of your rights (if any) to so object.

 

Governing Law

These Terms shall be subject to, governed by, and construed in accordance with the laws of Singapore, and you hereby submit to the non-exclusive jurisdiction of the Singapore Courts.

 

Confirm