Investing

Advice on choosing Manulife Pension investment funds

  • Last Updated:
  • Jun 18th, 2019 10:06 pm
[OP]
Newbie
Apr 18, 2009
41 posts
29 upvotes

Advice on choosing Manulife Pension investment funds

Hello all, I would really appreciate some advice.

Just looking for some feedback on what fund percentages I should be using ideally. Long term 20-30 year investing goal for retirement. Employer and employee contribute monthly towards it (6% each). I am ok with taking significant risk. The fund options to choose from are limited. This is how its currently divided up.


Asset class
Cdn Sm Cap Eqty 7381 ML FGP Small Cap Cdn Equity t2 20.00%
Cdn Lrg Cap Eqty 7761 ML SSGA Wind Eq II f4 15.00%
Int'l Equity 8321 ML BR Intl Equity Index k4 20.00%
US Large Cap Eqty 8322 ML BR U.S. Equity Index h8 35.00%
Specialty 8432 ML JPMorgan Emerg Markets a e5 10.00%
Total 100.00%
Last edited by rammar on Jun 18th, 2019 11:43 pm, edited 1 time in total.
2 replies
Jr. Member
User avatar
Dec 25, 2008
153 posts
32 upvotes
Toronto
Hi Rammar

I'm in the same boat as you and have a similar risk profile.
Two comments I would make - I understand you are ok with high risk but you may still want to consider a small percentage in the bond index fund.

The second thing, you should have a Fund performance and fees section in your portal. Double check the MER on those funds. The index funds should be low but I can't tell about the others, I'm don't think I have some of them. Try to keep the average MER low, it will probably save you more in the long run.

I'm about 20 yrs out to retirement for comparison this is what I chose
Bond index 10%
Canadian Equity index 25%
US equity Index 25%
International Equity Index 15%
Canadian Dividend fund 15%
JF international Equity 10%
Jr. Member
Dec 15, 2005
132 posts
25 upvotes
Toronto
You should consider looking into 'Manulife Monthly High Income Fund', it does exceptionally well and dividend pays out are good.

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