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Manulife Investready III - Comprehensive Review

Manulife Investready III Review

If you’re looking for an investment-linked plan that offers a range of benefits, Manulife InvestReady III may be the right choice for you.

This whole-life regular premium investment-linked plan allows you to diversify your portfolio by giving you access to over 100 funds. You can also enjoy bonuses such as the welcome bonus, annual premium bonus, and yearly loyalty bonus.

Here is a closer look at the benefits of Manulife InvestReady III:


1) Make Your Investment Work Harder

One of the main benefits of Manulife InvestReady III is that 100% of your regular basic premiums paid will be invested in fund(s) units. This means that you can make the most out of your investment by putting your money to work right away. With this feature, you can start earning potential returns on your investment as soon as possible.


2) Flexibility for Your Financial Goals

Manulife InvestReady III offers you the flexibility to adjust your premium payments according to your financial situation and goals. You can vary your regular basic premium, top-up your premium, and withdraw the accumulated reinvested dividends (if any) at any time. This allows you to tailor your investment strategy to your individual needs and make changes as necessary. With this level of flexibility, you can stay on track to achieve your financial goals, no matter what life throws your way.

Minimum Investment Period (MIP)

You have the flexibility to choose a Minimum Investment Period (MIP) that aligns with your investment goals and preferences. Once you select a MIP, it cannot be changed after policy inception. Choose wisely based on your financial needs and goals.

Minimum Investment Period - Manulife InvestReady III
MIP and Flexi Start Date: Understanding Your Policy Options

Manulife InvestReady III offers two important policy options that can impact your investment: MIP and Flexi Start Date.

  • MIP, or Minimum Investment Period, is the period starting from policy inception where partial withdrawal or surrender charges will be applied if you make a partial withdrawal or fully surrender the policy. It’s important to note that once the MIP has been set, it cannot be changed. Be sure to select the MIP that works best for you based on your investment goals and financial situation.
  • Flexi Start Date, on the other hand, is the start date where you have flexibility in managing your premiums. You can exercise the flexibility to miss any regular basic premium without incurring a premium shortfall charge or increase or decrease your regular basic premium. This provides you with the flexibility to adjust your investment based on changes in your financial situation or investment goals.

Understanding MIP and Flexi Start Date is important to make the most of your Manulife InvestReady III policy. Take the time to carefully consider your options and choose the best policy for your needs.


3) Diversify Your Portfolio

Investing in a single fund can be risky, which is why Manulife InvestReady III offers over 100 funds to choose from. This allows you to diversify your portfolio and reduce your risks. You can select from a range of funds, including equity, fixed income, and balanced funds, to build an effective portfolio that suits your investment style and risk appetite. By diversifying your portfolio, you can achieve your financial goals while minimizing your risks.


4) Automatic Fund Rebalancing: Keep Your Portfolio on Track

Manulife InvestReady III offers a convenient feature that automatically rebalances your holdings in a range of funds according to your pre-specified fund allocations at each policy anniversary. This helps ensure that your investment portfolio stays aligned with your financial goals.

Starting from policy year 2, you can opt-in for automatic fund rebalancing. By rebalancing your funds, you can maintain a diversified portfolio and minimize risk.

Take advantage of this feature and keep your investment portfolio on track with Manulife InvestReady III.


5) Bonuses to Boost Your Investment Returns

Manulife InvestReady III offers several bonuses that can help boost your investment returns. The welcome bonus gives you additional bonus units in the first policy year, while the annual premium bonus gives you additional bonus units when you pay premiums annually. The yearly loyalty bonus is another great benefit that you can enjoy after the end of your chosen Minimum Investment Period (MIP). With these bonuses, you can boost your investment returns and get closer to achieving your financial goals.

a) Welcome Bonus

Enjoy a head start on your investment with the Welcome Bonus offered by Manulife InvestReady III. The bonus will be given in the form of additional units, based on a rate of the first 12 months of regular basic premiums paid (excluding top-up premiums). It’s a great way to boost your investment returns right from the start.

Manulife InvestReady III - Welcome bonus

b) Annual Premium Bonus

Get rewarded for paying your premiums annually with the Annual Premium Bonus offered by Manulife InvestReady III. If you choose to pay your first basic premium via annual payment mode at policy issue date, you will receive a one-time bonus calculated as a percentage of the first annual basic premium paid. This bonus will be converted into additional units based on your pre-specified basic premium allocation upon receipt of your first annual basic premium. It’s a great way to earn additional units and boost your investment returns.

Annual Premium Bonus

c) Loyalty Bonus

Enjoy loyalty rewards with Manulife InvestReady III’s Loyalty Bonus. Starting from the policy anniversary immediately after the end of your Minimum Investment Period (MIP) and every policy anniversary thereafter, you will receive additional units based on 0.3% of the account value (where applicable). It’s a great way to continue to grow your investment and reach your financial goals.

Loyalty Bonus

6) Receive Potential Income from Dividend-Paying Funds

Investing in dividend-paying funds can provide you with a stream of potential income that can help you achieve your financial goals. Manulife InvestReady III allows you to start receiving payouts as early as the first year, giving you a steady stream of potential income. This can be especially useful if you’re looking to supplement your income in retirement or achieve other financial goals that require a regular source of income.


7) Partial Withdrawal: Access Your Funds When You Need Them

With Manulife InvestReady III, you have the flexibility to make partial withdrawals from your prevailing holdings of Fund(s). This feature allows you to access your funds when you need them, whether it’s for unexpected expenses or planned investments.

Manulife Investready III - Example

The minimum amount for each withdrawal is $500, making it easy to take out the exact amount you need. Plus, you can make partial withdrawals at any time, giving you control over your investment.

If you’re looking for a plan that offers flexibility and accessibility, Manulife InvestReady III is the perfect choice. With partial withdrawal, you can enjoy peace of mind knowing that your funds are available when you need them.


8) Coverage for Your Peace of Mind

Finally, Manulife InvestReady III offers coverage against death and terminal illness. You will be covered at a higher of 101% of your total premiums paid or account value. This provides peace of mind knowing that your loved ones will be taken care of in case of unforeseen events. By choosing Manulife InvestReady III, you can enjoy the peace of mind that comes with knowing that you and your loved ones are protected.

Optional Add-Ons for Extra Protection

Manulife InvestReady III also offers optional premium waiver benefit riders covering cancer, critical illness, terminal illness, and total and permanent disability. These add-ons provide extra protection and can help you and your loved ones in case of unexpected events. With these optional add-ons, you can enjoy greater peace of mind knowing that you have added protection against unforeseen events.


Takeaway – Should You Choose Manulife InvestReady III?

If you’re looking for a flexible investment plan that offers diversification, potential income, and bonuses to boost your investment returns, Manulife InvestReady III could be the right choice for you.

Source: Manulife

With over 100 funds to choose from, you can build a portfolio that suits your investment style and risk appetite, while the flexibility to adjust your premiums and withdraw reinvested dividends offers added convenience. Additionally, the bonuses and potential income from dividend-paying funds can help you achieve your financial goals faster. With optional add-ons for extra protection and coverage against death and terminal illness, you can enjoy peace of mind knowing that you and your loved ones are protected.

Overall, Manulife InvestReady III offers a comprehensive investment plan that can help you achieve your financial goals while providing flexibility and protection. However, before making any investment decisions, it’s important to consider your individual financial situation and goals, as well as any potential risks involved. It’s always a good idea to seek professional advice from a financial advisor before investing.

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