Manulife Securities Incorporated
Products and Services
Manulife Securities Incorporated is one of Canada’s foremost independent investment dealers. Our firm commitment to service excellence coupled with our expansive product offering provides clients with choices tailored to fit their financial goals and advanced investment needs.
Manulife Securities Incorporated is a member of the Investment Industry Regulatory Organization of Canada (IIROC).
Product and services include:
Stocks
A type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings.
There are two main types of stock: common and preferred. Common stock usually entitles the owner to vote at shareholders' meetings and to receive dividends. Preferred stock generally does not have voting rights, but has a higher claim on assets and earnings than the common shares. For example, owners of preferred stock receive dividends before common shareholders and have priority in the event that a company goes bankrupt and is liquidated.
Also known as "shares" or "equity."
Bond
An investment which investors loan money to an entity such as corporations or government
Exchange Traded Funds (ETF's)
A security that tracks an index, a commodity or a basket of assets like an index fund, but trades like a stock on an exchange. ETF's experience price changes throughout the day as they are bought and sold.
Because it trades like a stock, an ETF does not have its net asset value (NAV) calculated every day like a mutual fund does.
What is a mutual fund?
A mutual fund is an arrangement under which shares or units are sold to raise capital.
Investors purchase units if the mutual fund is a trust or purchase shares if the fund is a corporation. When you invest in a mutual fund, your money is pooled with the money of other investors and invested on your behalf by the fund manager. Mutual fund trusts and corporations are also known as flow-through entities.
For tax purposes, a flow-through entity treats the taxable income earned inside the entity as if you held the investments directly, instead of through the fund. The income that is distributed, or flowed out to you, keeps its identity. For example, dividend income remains dividend income, and capital gains remain capital gains when they are flowed out (or distributed) to investors.
For more information, please contact me.
Source: Canada Revenue Agency
What are segregated funds?
A pool of investments held by the life insurance company and managed separately (i.e. segregated) from its other investments. If you buy a variable insurance contract, sometimes called a segregated fund policy, the value of your policy varies according to the market value of the assets in the segregated funds.
How do segregated funds work?
Unlike mutual funds, segregated funds are structured as an insurance product. Investing in segregated funds provides many insurance backed benefits such as:
Maturity guarantee: Upon maturity, 75% to 100% of your investment is guaranteed back to you.
Guaranteed death benefit: Your beneficiary is paid a guaranteed amount of money upon your death, even if the value of the asset, at the time of your death, is less than the guaranteed amount.
Creditor protection: Your investment may be protected from creditors.
New Issues
A security that has been registered, issued and is being sold on a market to the public for the first time.
Premier Investment Program
What is the Premier Investment Program?
The Premier Investment Program is a fee-based account that offers a range of investment services and the ability to hold a wide variety of investment products including mutual funds and individual stocks and bonds. Virtually every investment offered at Manulife Securities can be held in a Premier plan.
In addition to transparency, objectivity and accountability – the hallmarks of a fee-based account – the Manulife Securities Premier Investment Program can benefit my clients in a number of ways:
You pay for advice, not trades – transactions are incidental and are not the differentiating factor in assessing the value I offer
Advisor compensation is completely transparent and agreed upon, and because the costs associated with trades or other services are reduced or eliminated, you can fully understand what you’re paying for your investments
The fee-based solution provides the medium for developing a strong, customized portfolio at a cost that is generally less than the cost associated with traditional mutual funds
Fees can be paid outside of your client's portfolio; this means your portfolio return need not be reduced to pay fees and assets can grow faster
When a fee is paid for investment advisory services on a portfolio outside of an RRSP, the fee is generally tax deductible
Because compensation can be based on portfolio value, fees will rise or decline based on the performance of the portfolio; this assures you that my primary interest is the growth of your portfolio
The Masters Private Account Program
The Masters Private Account Program is a Separately Managed Account (SMA) program that provides personalized investment management with individually tailored investments desinged to meet the specific objectives and needs to today's sophisticated investors.
Masters offers you a full range of benefits including discretionary account management through direct access to seven world-class Portfolio Managers and 17 mandates across every asset class. A full suite of investment mandates allows me to either construct portfolios by combining two or more mandates, or substitue an asset-class specific mandate to meet your individual needs.
This elite product is unique to Manulife Securities and is tailored to clients with over $100,000 in investable assets.
Benefits that are exclusive to Masters account holders are a personal portfolio management experience, independent and impartial due diligence, potential tax efficiency and a simply all-inclusive fee structure.
For more information, please click here or contact us.
Group RRSPs
A plan that an employer which allows an employee to contribute to a plan on a scheduled payroll deduction.
The Manulife Investments Guaranteed Interest Contract (GIC)
Security for your portfolio. Peace of mind for you.
GICs can provide you with the key benefits you're looking for:
A solid foundation for your investment portfolio – reducing overall portfolio risk and providing you with more consistent returns
A positive rate of return – guaranteeing that at least part of your portfolio is continually growing
Peace of mind – you'll rest easy knowing that your principal is safe and secure
A Manulife Investments GIC provides certain benefits that may not be available through mutual fund organizations, banks, or trust companies, plus a broad range of investment choices:
- The Basic Account
- The Laddered Account
- The Escalating Rate Account
- The Market Growth Account
- The Daily Interest Account
For more information, please contact us.
*The Manufacturers Life Insurance Company is the issuer of the Manulife Investments GIC.
Registered Retirement Savings Plan (RRSP)
An RRSP is a retirement savings plan that you establish, that is registered with the Canada Revenue Agency, and to which you or your spouse or common-law partner contribute. Deductible RRSP contributions can be used to reduce your tax.
Any income you earn in the RRSP is usually exempt from tax as long as the funds remain in the plan; you generally have to pay tax when you receive payments from the plan.
To learn all the facts, please contact us.
Registered Retirement Income Fund (RRIF)
A RRIF is a fund you establish with a carrier and that is registered with the Canada Revenue Agency. You transfer property to the carrier from an RRSP, RPP, or from another RRIF, and the carrier makes payments to you. Establishing a RRIF can be done at anytime, but must be done no later than the year the annuitant turns 71. Once a RRIF is established, there can be no more contributions made to the plan nor can the plan be terminated except through death.
You can have more than one RRIF and you can have self-directed RRIFs. The rules that apply to self-directed RRIFs are generally the same as those for RRSPs.
For more information, please contact us.
Source: Canada Revenue Agency
Pensions
A fixed sum to be paid regularly to a person, typically after retiring from service.
Private Investment Pools
An investment for which two or more parties “pool”, or combine, their investments.
Manulife Private Investment Pools
Welcome to an investment program that truly reflects you
With the prosperity you've already achieved and enjoy, the opportunities to create enduring wealth and continue to build your legacy have arrived.
The Manulife Private Investment Pools (MPIP) program is an exclusive wealth management initiative with the comprehensive resources needed to fulfill your distinct preferences and priorities. It's where you'll find the vision, expertise, value, service, innovation and integrity that you expect and require to answer your sophisticated investing objectives and goals.
This exclusive investment program offers you:
- A comprehensive suite of pools in a range of asset classes
- Household account/contract-linking
- Tiered management fee reductions/reimbursements
- Comprehensive reporting
- The backing of high-conviction Portfolio Managers
It's the exclusive investment program for affluent investors that reflects your highest expectations.
For more information on the MPIP program, please contact me.
The MPIP Investment Pools are managed by Manulife Investments, a division of Manulife Asset Management Limited.
What is an Annuity?
An annuity is a plan that makes payments to you on a regular basis. It might be a general annuity, a payment from a registered retirement income fund (RRIF), or a variable pension payment. These payments are part of your total income and are reported on your tax return.
To learn all the facts, please contact me.
Source: Canada Revenue Agency
Closed End Funds
A publicly traded investment that raises a fixed amount of capital through an offering. These particular type of funds are structured to trade on the stock exchange.
Principal Protected Notes
Principal protected notes (also referred to as deposit notes), are a type of investment that combines the benefits of principal protection at maturity with equity market growth potential. The return is usually linked to the performance of an equity investment and the term to maturity is generally six to eight years. If held to maturity, principal protected notes allow you to participate in equity markets with confidence, knowing your principal is protected.
If you would like more information on principal protected notes, please contact me.
Preferred Shares
A class of ownership in a corporation that has a higher claim on the assets and earnings than common stock. Preferred stock generally has a dividend that must be paid out before dividends to common stockholders and the shares usually do not have voting rights.
The precise details as to the structure of preferred stock is specific to each corporation. However, the best way to think of preferred stock is as a financial instrument that has characteristics of both debt (fixed dividends) and equity (potential appreciation). Also known as "preferred shares".