Achieving peace of mind with risk control

Manulife’s My Affluent Income product gives customers enhanced control over their investment

The rallying securities market has opened up multiple opportunities for market players, particularly individual investors who account for the majority of market transactions at approximately 95 per cent. Not every investor, however, is good at risk control.

This explains why individual investors have preferred using comprehensive financial solutions like Manulife’s My Affluent Income product, which allows insurance buyers to be flexible in defining the level of insurance premium and insured amount they want based on signed contracts.

Significantly, the premium structure and insurance benefits are separated between the insured amount and the investment part.

Manulife My Affluent Income is a product with unique advantages: diverse and comprehensive protection and a full range of investment options with six different funds to meet investors’ diverse levels of risk tolerance.

The six unit-linked funds which are available for this product cater to different financial objectives and risk appetites.

These funds are managed by Manulife Asset Management Vietnam, which has extensive experience in managing portfolios with multiple asset classes, such as stocks, bonds, and money market instruments, as well as asset allocation strategies.

In addition, customers can flexibly and proactively manage their cash flows with two separated accounts, the stability account and growth account, meeting both the needs of protection and wealth accumulation.

In order to optimise returns, customers can flexibly switch their investments among Manulife’s investment funds to suit their goals at different stages of their life and financial conditions.

For instance, with better financial conditions and risk tolerance acceptance, customers can switch their investment from the stability account into the growth account, which delivers a higher income-raising potential.

Last year, the growth account posted a 46-per-cent jump, surpassing the growth levels of most other funds.

Customers can withdraw money from the growth account to feed their short-term financial needs or inject more money into the account for asset augmentation without casting impacts on their basic insurance benefits.

Moreover, the product allows enhanced protection coverage through a selection of affordable and attractive optional riders, which provide diverse and comprehensive protection for customers against various risks, such as accidental death, critical illness, and total and permanent disability.

Capable financial investment experts at Manulife Asset Management Vietnam will support customers in outlining long-term investment plans to bolster the asset value and managing investment portfolios at competitive premium rates.

The company is an independent corporate entity under the management of the State Securities Commission and is part of Manulife Asset Management, which manages $806 billion in total asset value.

With such impressive features, Manulife My Affluent Income is a perfect choice for customers to participate in Vietnam’s growing and vibrant capital markets through a diversified portfolio of professionally managed funds, while at the same time providing peace of mind through insurance protection.