The Dalhousie University Registered Retirement Savings Plan - Grant Paid & Associated Employees
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The Dalhousie University Registered Retirement Savings Plan - Grant Paid & Associated Employees
About this Enrolment Guide
This Guide provides information you will need to enroll in your company's Registered Retirement Savings
Plan.
This process will take a bit of your time, but it will be time well invested. A colour-coded, step-by-step
process will help you navigate through this Guide. Each step includes a ‘To Do’ box showing what you must
complete to enroll. The boxes separate what you must do from what you should keep in mind.
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Here's what you need to do...
Step one: Learn about your program
Step two: Decide how to enroll
Step three: Decide how to invest
Step four: Decide how much to contribute
Step five: Check to see you've completed each step
Let's Get Started...
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one
Learn about your program
To Do! Learn about the advantages of your program.
Review the details of your program.
Advantages of the Dalhousie University Registered
Retirement Savings Plan
To help ensure you are prepared for life after work, your Plan Sponsor (employer) has taken the first step toward
helping you save for your retirement by offering you a Registered Retirement Savings Plan. Now, it’s up to you to take
the next step and join your program.
Your Registered Retirement Savings Plan provides many benefits that may not be available to you through an individual
savings or investment account, such as:
• A convenient way to save – Making regular contributions directly from your pay – before money ever reaches your
bank account – makes it easier to commit to saving consistently. Even if the amount you contribute each time is
small – and is an amount you’re not likely to miss – it can grow very nicely over the long term.
• Immediate tax reduction – Regular payroll contributions to Registered Retirement Savings Plans and/or Registered
Pension Plans are taken from your gross pay before payroll taxes are calculated. This immediately reduces the amount
of your income that’s taxed. You’ll only pay income tax on the remaining portion of your salary, so you’ll enjoy tax
savings on each and every pay cheque throughout the year.
• Tax-deferred growth – Growth you realize in Registered Retirement Savings Plans, Deferred Profit Sharing Plans or
Registered Pension Plans occurs in a tax-sheltered environment until you withdraw funds from the plan.
• Lower investment management fees – Take advantage of the competitive investment management fees (IMFs)
offered by your group plan. Lower IMFs leave more of your savings in your account and growing for you.
• Leading fund managers – Through your group plan, you have access to some of the world’s leading fund
managers and their funds. Many of these funds aren’t available to individual investors.
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one
• Secure website and telephone account access – Manage your account and investments using the service option
you prefer. Access your account via the secure member website and/or the Customer Service Centre.
• Easy-to-read statements – Manulife’s member statements provide updates on your savings and include tips and
reminders to help you build an effective retirement savings plan.
Keep reading to learn about the details of your company’s program and find out
how to join.
Details of your program
The Dalhousie University Group Retirement Program includes these plan(s):
• Registered Retirement Savings Plan (RRSP) - You can choose to join this plan
Your Registered Retirement Savings Plan gives you the opportunity to put more savings to work for you with a voluntary
plan. Consider taking advantage of your voluntary plan by making additional contributions. Even small contributions can
grow significantly over time. For example, a contribution of $600 a year – just $50 a month – will grow to more than
$25,000 after 20 years.
This projection assumes the contributions remain in your account until you retire and grow at a rate of 8% per year.
The details of your program – shown below – are subject to change by your Plan Sponsor (employer).
Registered Retirement Savings Plan
Policy number 20003307
Who is eligible to join this plan? All Full-time and Part-time Grant-Paid & Associated employees.
Do I have to join? No.
When can I join? Full-time employees are eligible to join the Plan following the
commencement/signing of a new 12 month contract.
Part-time employees are eligible to join the plan after 24 months of continuous
employment and the lesser of (a) 700 hours of employment each year, or (b)
earnings of 35% of the YMPE
How much do I contribute? You are required to contribute between 3% and 5% your earnings.
You can make voluntary lump sum contributions up to the Canada Revenue
Agency (CRA) maximum limit. No plan sponsor matching of your voluntary
contributions.
Please contact Manulife to arrange your lump sum voluntary contribution(s).
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one
Registered Retirement Savings Plan
How much does my Plan Sponsor Your Plan Sponsor will match 100% of your required contributions up to a
(employer) contribute? max of 5%.
Who decides how my contributions You do.
will be invested?
Can I transfer money into the plan? Yes, you may transfer amounts from another registered plan.
Can I take money out of the plan No, withdrawals are not permitted from your required contributions or the
while I am employed? Plan Sponsor matching contributions. You may withdraw from your voluntary
contributions.
Can I make additional one-time Yes.
contributions?
What happens if I leave the The full value of your account belongs to you.
company?
What happens if I retire from the The full value of your account belongs to you.
company?
What happens if I die? Your beneficiary or beneficiaries will be entitled to the portion of your account
that you have specified.
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Decide how to enroll
To Do! Decide how you want to enroll – either online or with a paper form.
Follow the instructions for your preferred enrolment option.
To enroll online
Go to www.manulife.ca/GRO/enroll and enter the information shown below for each plan you are joining. Follow the
instructions as they appear on the screen.
The online enrolment process will guide you through the remaining steps in this Enrolment Guide. Remember – you will
need to return to page 12 of this Guide once you have finished enrolling online.
You can choose to join this plan:
Registered Retirement Savings Plan Policy number: 20003307 Access code: DU307
Tips for enrolling online:
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• Review the Fund Selection Guide included in this package to learn about the
investments available through your program and their investment management fees
(IMFs).
• Print your Beneficiary confirmation when you finish enrolling. Sign the completed
form(s), then return them to Manulife in the envelope provided.
• Print your Enrolment confirmation when you finish enrolling so you have a copy for
your records. You will need your Customer Number shown on your confirmation when
you contact the Customer Service Centre and to register your login information for the
secure website.
• Choose your Personal Identification Number (PIN). You'll need your PIN and
Customer Number to identify yourself to the Customer Service Centre. Keep this number
in a safe place.
7two
To enroll using paper forms
Detach the Application form(s) for the plan(s) below. All forms you need to complete are located at the back of this Guide.
You can choose to join this plan:
Application form for the Registered Retirement Savings Plan Page 23
Complete the following sections on each Application form:
• Tell us about your plan
• Your personal information
• Name your beneficiary (or beneficiaries)
Once you have completed these sections on each Application form, go to the next step in your Enrolment Guide.
8three
Decide how to invest
To Do! Open the Fund Selection Guide you received in this enrolment package.
Follow the instructions to determine your investor style and select your investments.
Note - If you consult a Financial Planner for advice regarding funds for this Registered Retirement Savings Plan,
provide him or her with this Guide. If you do not generally seek the advice of a financial planner before making
investment decisions, please continue reading.
Remember: After you’re finished with the Fund Selection Guide, you’ll need to return to Step four on page 10 in
this Guide.
If you do not provide instructions on where to invest contributions to your plan, contributions will be deposited to the
plan default investment - Target Retirement Date Fund. You are strongly encouraged to take an active role in how your
retirement savings are invested and ensure you are invested in fund(s) that suit you. Your plan’s default investment is
intended as a temporary destination for your contributions and may not be appropriate for your long-term retirement
planning.
9four
Decide how much to contribute
To Do! Complete the Authorize your employer to deduct contributions section on each
Application form.
TIP – Refer to the Details of your program table beginning on page 5 to see how
much you can contribute.
A small amount can make a real difference
Even small contributions can grow significantly over time. For
example, a contribution of $600 a year – just $50 a month – will
grow to more than $25,000 after 20 years.
This projection assumes the contributions remain in your account until you retire and
grow at a rate of 8% per year.
10five
Check to see you've completed each step
To Do! Refer to the checklist below.
Return the completed forms in the envelope included in your enrolment package.
See the list below for details of which form should be returned in which
envelope.
Make sure you've fully completed each Application form
for the plans you are joining.
Have you:
Completed the Your personal information section?
Named your beneficiary (or beneficiaries)?
Provided instructions for how much you want to contribute?
Provided instructions on how to invest contributions to your plan?
Signed and dated each form?
Your enrolment package includes the following form(s):
• An Application form for the Registered Retirement Savings Plan (policy 20003307) - return to Manulife Financial
in the enclosed envelope.
• A Transfer Authorization for Registered Investments form if you decide to transfer other savings to your
group program – send to the financial institution you wish to transfer from. (You will find this form at the back of
this Guide on page 29.)
11You've successfully enrolled
What’s next?
If you enrolled online…
You received your Customer Number and chose your Personal Identification Number (PIN) at the end of your
enrolment. You'll need this information when you contact Manulife's Customer Service Centre. You'll also need
your Customer Number to register your login information for the secure website.
If you enrolled using paper forms…
You’ll receive a letter from Manulife welcoming you to your group program. This letter will provide your
Customer Number and explain how to set your PIN and register for the secure website.
Register your login information for the secure website at www.manulife.ca/GRO
To access your account as well as Manulife's online tools and resources, you'll need to register with your
Customer Number and the last three digits of your Social Insurance Number.
How can I track the progress of my account?
• Member statements – You’ll receive regular easy-to-understand member statements updating you about your
account activity and growth.
• Internet – You can access your account online 24 hours a day, 7 days a week at www.manulife.ca/GRO.
• Phone – You can contact Customer Service at 1-888-727-7766 to speak with a Manulife Customer Service
Representative, Monday to Friday from 8 a.m. to 8 p.m. ET.
12What are my responsibilities as a plan
member?
To Do! Review and understand your responsibilities.
Any tax-deferred group savings plan that lets you choose between two or more investment options is known as a
Capital Accumulation Plan (CAP).
As a CAP plan member, you have these responsibilities:
• Deciding how much to contribute.
• Making use of the tools and information available to you through your program.
• Selecting your investments.
• Reviewing your investments regularly to ensure they continue to meet your retirement savings
and investment goals.
You should also consider obtaining investment advice from an appropriately qualified independent advisor.
Manulife’s Customer Service Representatives and Financial Education Specialists are available to help you understand the
many planning tools and services you can use.
Call 1-888-727-7766 to speak with a representative, Monday to Friday from 8 a.m. to 8 p.m. ET.
13Take an extra step – Learn more about
planning for your retirement
You have taken the most important step – enrolling in your plan. Now think about how to get on track – and stay on
track – to achieve your retirement income goal.
In this section, you’ll find these articles to help you get started:
• Creating and maintaining a retirement plan
• Other sources of retirement income
• Retirement planning for every step of your life
• Pay yourself first
• A look at dollar-cost averaging
• The importance of diversification
14Creating and maintaining a retirement plan
It’s hard to imagine retiring when you’re rushing to work, paying your mortgage and organizing day care. However,
taking the time to create a retirement plan now can:
• help you determine how much income you’d like to have at retirement.
• assist you in creating a plan and keep you focused on achieving your retirement income goal.
• let you track your progress to ensure your plan is meeting your expectations.
Creating a retirement plan shouldn’t be a one-time activity. Like an annual check-up with your doctor, you should review
your plan once a year. A retirement check-up gives you a chance to re-evaluate your retirement plan and keep track of
your progress towards achieving your goal.
Manulife’s Steps Retirement Program® (Steps) helps you to gain a clearer view of your retirement outlook. Steps walks
you through a quick, simple process that helps you set your annual retirement income goal. With your goal set, you can
check your progress online at any time – or see how you’re doing on the statement mailed to your home – to be sure
you’re on track to reach your goal. If you’re not on track, you’ll see suggestions to help you close any gap.
To learn more about the Steps Retirement Program® – and put Steps to work for you – go to
www.manulife.ca/GRO and log in to the secure member website.
15Other sources of retirement income
Canadians generally rely on three distinct sources of income during retirement.
1. Government benefits, such as Canada Pension Plan (CPP), Quebec Pension Plan (QPP) and Old Age Security
(OAS) income.
2. Personal savings, such as savings accounts and individual retirement accounts.
3. Income from this company-sponsored Group Retirement Program.
Government benefits provide some portion of income, but you’ll likely need income from all three sources to maintain the
lifestyle you enjoyed during your working years.
Joining this plan and making regular contributions will help you start building toward the retirement you hope to enjoy.
16Retirement planning for every step of your
life
Putting a retirement plan in place makes sense for everyone – no matter what step of your life you’re at. The depth and
detail of that retirement plan is obviously not going to be the same for a 25-year-old as it would be for a 55-year-old.
Here’s an overview of what a retirement plan can do for you depending on your “Steps”* in life.
The “first-step” years – if you’re in your 20s, you may just be getting out of school, and establishing yourself in the
workforce. Retirement is the last thing you’re thinking of right now, especially if you have student loans. Your
retirement plan can be as simple as taking two small steps that can really pay off:
1. Start saving – the sooner you start to save for retirement, the easier it is. Even if it’s a small amount, you’ve got
the power of time on your side.
2. Keep saving – by making saving part of your monthly financial plans, you’ll stick with saving even when other
expenses come your way. It will become second nature to save, and you won’t even give it a second thought.
The “step to it” years – without a doubt, your 30s are the toughest years to keep step with a retirement plan. This
time of your life can be financially challenging. You have many expenses – mortgage, day care, and car payments. It
seems like your money goes out just as fast as it comes in. In your mind, retirement still seems far away. However, the
most important thing you can do is “step to it” and keep up with the saving habit you established in your 20s. If at this
point, you haven’t started saving for retirement, it’s definitely time to take the first step.
The “step it up” years – in your 40s and 50s, your salary increases based on the skills, knowledge and experience you
gain through your working years. At the same time, you’ll likely make significant progress with your mortgage. These
are the years to “step it up”, take advantage of your increasing income and aggressively save for retirement.
Now is also the time to put a more accurate retirement plan in place. Consider writing down your retirement plan(s);
create a budget and complete an annual review to stay on track.
The “just a step away” years – in your 50s and 60s, retirement is close. At this step of your life, you can make
definite after-work arrangements, pick a date for leaving work and complete a final review to make sure your savings
are in place to make your retirement happen.
*These life steps will not represent everyone, but can give a general overview of how someone’s retirement plans might evolve over
time.
17Pay yourself first
Regular payroll deductions are a great way to force yourself to save because you:
• won’t miss what you don’t have and
• reduce the income tax you pay right away (for Registered Retirement Savings Plans and Registered Pension
Plans).
Automatic payroll deductions are easy to make. It’s like using pre-authorized debit for your mortgage and insurance
payments. You don’t have to think about it as it happens automatically.
Payroll deductions for Registered Retirement Savings Plan and/or Registered Pension Plan are deposited to your group
savings plan before income tax is calculated. See the difference payroll deductions can make as they grow over time.
Even small contributions add up and grow for your benefit.
Pay government Pay yourself
first first
Total monthly pay $3,000 $3,000
You can
Payroll deduction - $0 - $400 contribute
contributions savings the same
Taxable income $3,000 $2,600 amount
Tax withheld - $734 - $566 and...
Take-home pay $2,266 $2,034
After tax contribution - $400 - $0
savings Your net
pay is $168
Net pay $1,866 $2,034
higher!
18A look at dollar-cost averaging
Dollar-cost averaging is one of the most commonly used terms in discussions of retirement savings, but what is it?
The technique of dollar-cost averaging, simply described, is making regular contributions to your plan. Each time you
contribute to your plan, your contributions buy units of your chosen investment options. When the market goes up, the
value of your holdings increase and you buy units at a higher price. When the market goes down, you buy more units
at a lower price.
Over time, this technique can lower the average price you pay per unit (unit value). You also eliminate the guesswork of
determining when to buy units by adopting the practice of dollar-cost averaging. You don’t have to time the market
and you gain the advantage of the length of time your contributions are invested in the market.
Dollar-cost averaging only works if you contribute on a regular basis to your account. Automatic payroll deductions can
help you frequently contribute and it saves you the time and effort of having to remember to write a cheque.
Take a look at Terry
Terry contributes $100 per pay to his group retirement savings plan. See how dollar cost averaging works for him.
Contribution date Amount Price Number of units
per unit purchased
January $100 $10 10
February $100 $7 14.3
March $100 $2 50
April $100 $5 20
Total $400 $24 94.3
Average unit price: $6.00 ($24/4)
Terry’s average unit cost: $4.24 ($400/94.3)
By contributing each month, Terry pays an average of $1.76 less for each unit he purchases.
Experience has shown that dollar-cost averaging beats market timing just about every time over the long run. It’s better
to adopt a dollar-cost averaging approach. It helps you ride out the ups and downs of the market – plus it’s easy.
19The importance of diversification Diversification is the key to a well-balanced investment portfolio; it is perhaps the most important consideration when choosing investments. Why should you diversify your portfolio? It is difficult to predict accurately how individual funds or markets will perform over time, but a well-diversified portfolio provides the opportunity to achieve better returns with less risk, helping you reach your long-term retirement savings goals. When creating your investment portfolio, take the following into consideration: asset class, volatility and fund managers. Asset class – an investment type that is categorized by the nature of securities held within a mutual/pooled fund. For example, basic asset classes include Money Market, Canadian Equity, U.S. Equity and International Equity. Predicting the next best performing asset class (e.g. Canadian Bond, U.S. Equity) with any degree of success is extremely difficult. To minimize the potential negative impact of putting all your eggs in one basket, it’s important to diversify across a variety of asset classes. Volatility – the fluctuation of a funds’ performance, up or down, based on it’s historical monthly track record. Where available, Manulife discloses the volatility of our funds based on the last three years’ worth of performance data. The greater a fund’s volatility, the greater the range of returns it has experienced over the time period under consideration. Although a fund’s historical volatility is not necessarily an accurate indication of future volatility, it does provide some valuable insight into how risky that fund can be. Fund managers – typically differentiate themselves through the application of unique investing approaches and/or expertise, otherwise known as fund manager style. Investing with more than one fund manager will allow you to take advantage of the various approaches to investing. Diversifying by fund manager is a good way to ensure you are benefiting from the many possible paths to growing your retirement savings. Specific investing styles typically generate different performance results over time. By holding funds that use different styles, you can reduce the overall volatility of your account. Achieving a balance between asset class, volatility and fund managers in your investment portfolio will help you reach your retirement savings goals. 20
Forms
Here is a list of forms found in your Enrolment Guide:
• An Application form for the Registered Retirement Savings Plan
• A Transfer Authorization for Registered Investments form
2122
Please print clearly in the blank boxes. Application Form
Important: If this application is for a spousal RSP, the Sign up for your
spouse (i.e. Spousal Member) must complete this form. Group Retirement Savings Plan (RSP)
Check one: Send your completed form to:
This RSP is for you as a Member (i.e. employee) Manulife Financial
Attn: GRS Client Services, 2000 Mansfield, Suite 1410,
This RSP is for you as a Spousal Member
Montréal, QC H3A 3A2, CANADA
If you aren't sure how to Tell us about your plan
complete any of these boxes, the
Plan Sponsor/Employer can help Plan Sponsor/Employer Group annuity policy number
you. Dalhousie University 20003307
Employee number Date you started with your employer (mmm/dd/yyyy) Date you are joining the plan (mmm/dd/yyyy)
Division Member class
Not applicable Not applicable
Your personal information
Gender First Name Middle Initial Last Name
Mailing address (number, street and apartment number)
City Province Country Postal Code
Date of birth (mmm/dd/yyyy) Social Insurance Number (SIN) Marital Status
Your preferred language Telephone number Ext. Email address
Complete this section only if the Tell us about the contributor (the employee)
application is for you as a spousal
member. Otherwise, leave this First Name Middle Initial Last Name
section blank.
Date of birth (mmm/dd/yyyy) Social Insurance Number (SIN)
23A revocable beneficiary can be Name your beneficiary (or beneficiaries)
changed at anytime.
An irrevocable beneficiary can If you do not name a beneficiary, proceeds will be paid to your estate.
only be changed with written Check here if you have attached a separate page listing your beneficiaries. Please sign and date.
consent from that beneficiary. You
will also need your beneficiary’s
Name Relationship Percentage of proceeds
consent to withdraw or transfer
money from your account. A
parent or guardian cannot provide
consent on behalf of a minor who
has been named as irrevocable
beneficiary.
If you want to name more than
three beneficiaries, attach a
separate page with the names
and the percentage of proceeds The above beneficiary designations are considered revocable unless you write “irrevocable” in the chart
for each beneficiary. above.
For Quebec only:
If you have locked-in money in
The designation of a spouse as beneficiary is deemed to be irrevocable unless specified here: Revocable
your RSP and you have a spouse
on the date of your death, the Trustee for a minor beneficiary named above (not applicable in Quebec)
law may require any death benefit Any payment to a beneficiary who is a minor will be paid in trust to the trustee named below.
be paid to your spouse, regardless
of other beneficiaries you've In Quebec, the proceeds will be paid in trust to the minor child's tutor.
named.
Trustee name Relationship
If you die while your beneficiary is
still a minor, the trustee you name
on this form will act on the child’s
behalf.
Your investment instructions
If you do not complete this section,
or the total does not add up to Follow the instructions on page 3 of your Fund Selection Guide to see what type of investor you are. Then fill in one of the sections
100%, your contributions will be below according to your type.
invested in the appropriate Target
Retirement Date Fund based on when
you reach your plan’s normal Complete if Retirement Date Fund is your investment strategy
retirement age.
1. Follow the instructions starting on page 4 of your Fund Selection Guide to choose your Retirement Date Fund.
You can go online at anytime to 2. Write in the 4-digit fund code for your Retirement Date Fund below.
change the funds you have chosen.
Fund Code Fund name Percentage of your contribution
The minimum amount you can invest Target Retirement Date Fund 100%
in a fund is 5%.
Percentages must be whole numbers.
Complete if Asset Allocation Fund is your investment strategy
Note: the investment performance of
a market-based fund is not 1. Follow the instructions starting on page 6 of your Fund Selection Guide to determine your investor style and choose your
guaranteed. Asset Allocation Fund.
2. Write in the 4-digit fund code for your Asset Allocation Fund below.
Fund Code Fund name Percentage of your contribution
Manulife Asset Allocation Fund 100%
Complete if Build your own portfolio is your investment strategy
1. Follow the instructions starting on page 6 of your Fund Selection Guide to determine your investor style and choose your
funds.
2. Specify the percentage of contributions you want to invest in each fund. Your percentages must add to 100%.
Fund Code % Fund Code % Fund Code % Fund Code %
1001 1003 1005 3191
4191 4271 5301 7132
7142 7502 7632 7015
8322 8631 8321 8452
8181
Total selected must add up to 100% 100%
24Authorize your employer to deduct your contributions
Do not complete this section if the
application is for you as a spousal You authorize Dalhousie University to deduct the following amounts from your pay each pay period and submit these contributions
member. to Manulife to invest in this plan.
You can change the amount you Contribution type: Member required Enter a number from 3% to
%
5% (in increments of 1%):
can contribute by going online
anytime.
Please sign here
You confirm that you have read, understood and agreed to the information in this form, including the Enrolment and Registration
Authorization section below, and the Personal Information Statement. You also confirm that information in this form is correct to the
best of your knowledge.
Enrolment and Registration Authorization
You request that Manulife enroll you as a Member in this plan and register you in a Retirement Savings Plan (RSP) under the Income
Tax Act (Canada). If you live in Quebec, you request that you be registered in a RSP under the Taxation Act (Quebec).
You understand that any withdrawals from your RSP will be taxed according to the rules outlined in the Income Tax Act (Canada) or
the Taxation Act (Quebec), as applicable. You understand that withdrawals may be restricted under the terms of the plan.
You authorize the Plan Sponsor (your employer or your spouse’s employer if you are a Spousal Member) to remit contributions and to
deliver directions to Manulife on your behalf.
You request that Manulife accept a transfer of locked-in funds into the plan, if applicable, according to the terms described in the
Locked-in Retirement Account (LIRA) or locking-in addendum. You understand that with respect to such funds, these terms will
override the group RSP contract.
Your signature (as the annuitant) Date signed (mmm/dd/yyyy)
For Manulife use Manulife customer number Date (mmm/dd/yyyy) Document version
338-1.5
2526
The personal information statement
Your consent to use your personal information
By signing this Application form, you give your consent for us to obtain, verify, and share your personal information, as set out below, in administering your
account, now and in the future, with the plan sponsor, the plan administrator, the plan advisor and its employees and other parties in the performance of
their duties for us.
You authorize us to use your Social Insurance Number (SIN) if applicable, to uniquely identify you during the administration of your account.
How we will maintain and use your personal information
You agree that we may use the personal information that we collect to:
• comply with legal and regulatory requirements,
• confirm your identity and the accuracy of the information you’ve provided,
• conduct searches to locate you and update your member information,
• administer this plan while you actively work for your employer, and after you no longer work with your employer,
• administer any other products and service that we provide to you, and
• determine your eligibility for, and provide you with details of, other select financial products or services that may be of interest to you that are
offered by us, our affiliates or other select financial product providers.
Who may access your personal information
The following individuals may have access to your personal information:
• our employees and representatives who require this information to do their jobs,
• the plan advisor, including its employees, appointed by your Plan Sponsor to provide ongoing benefit counselling or plan administrative services,
• people to whom you have granted access,
• people who are legally authorized to view your personal information, and
• service providers who require this information to do their jobs.
This may include data processing, programming, printing, mailing, distribution, research and marketing or administration and investigation services.
Asking us not to use your personal information
You may withdraw your consent for us to use your SIN for non-tax administration purposes. You may also withdraw your consent for us to use your
personal information to provide you with other product or service offerings, except those that are mailed with your statements.
If you wish to withdraw your consent for us to collect, use, retain or share your personal information, you may contact us by phoning our customer service
centre at 1-888-727-7766 or by writing to the Privacy Officer at the address below.
How long we can keep your personal information
You authorize us to keep your personal information for the longer of:
• the time period required by law and by guidelines set for the financial services industry, and
• the time period required to administer the products and services we provide.
The information we collect with your consent will be protected and maintained in your Manulife plan member file.
The personal information that we must have
You may not withdraw your consent for us to collect, use, retain or share personal information that we need to issue or administer your account unless
federal or provincial laws give you this right. If you do so, we may no longer be able to properly administer your account and this is what could happen:
• benefits will not be payable as provided under the plan,
• we may treat your withdrawal of consent as a request to terminate your contract, and
• your rights, and the rights of your beneficiary or estate under the plan may be limited.
Recording your customer service calls to us
We may record your customer service calls to us for the following reasons:
• quality service controls,
• information verification, and
• training.
If you do not wish to have your calls recorded, you must communicate with us in writing to Group Retirement Solutions, 25 Water Street South, Kitchener,
ON N2G 4Y5, and request that any response by us also be in writing.
Questions, updates and requests for additional information
If you have a request, a concern, or wish to receive more information about our privacy policies, or if you wish to review your personal information in our
files or correct any inaccuracies, you may contact us by sending a written request to: Privacy Officer, Group Retirement Solutions, 25 Water
Street South, Kitchener ON N2G 4Y5.
2728
Transfer Authorization for Registered Investments
(RSP, TFSA, LIRA, LRSP, RIF, LRIF, LIF)
Complete this form for: • RSP to RSP transfers (excluding transfers due to death or marriage breakdown)
• TFSA to TFSA transfers (excluding transfers due to death or marriage breakdown)
• RSP to RIF and RIF to RIF transfers
Note: • Complete sections 1 through 4 and forward to the relinquishing institution.
• If required, retain a photocopy for your files.
• The completion of this transfer will NOT result in reporting of income or issuance of an
official tax receipt.
General Information
Account/Policyholder last name First name Middle initial
Address City Province Postal Code
Social Insurance Number (SIN) Home telephone number Business telephone number
Client direction to relinquishing institution
Relinquishing institution name
Address City Province Postal Code
Client account/policy number Group plan number Member number
OR
Transfer:
(check one box only) All in cash* Partial* – as listed below or on attached list
All Investment Amount Symbol and/or certificate number or policy number Delay delivery until (mmm/dd/yyyy)
*Please refer to the
statement in bold in the
Client authorization Dollars Investment Description
section below.
All Investment Amount Symbol and/or certificate number or policy number Delay delivery until (mmm/dd/yyyy)
Dollars Investment Description
All Investment Amount Symbol and/or certificate number or policy number Delay delivery until (mmm/dd/yyyy)
Dollars Investment Description
29Receiving institution information
Receiving Institution
TO: Attn: GRS Client Services, 2000 Mansfield, Suite 1410, Montréal, QC H3A 3A2, CANADA
Customer number Policy number Member number
Fund name Fund code Percentage
Client authorization
I hereby request the transfer of my account and its investments as described above.
* I have requested a transfer in cash, I authorize the liquidation of all or part of my investments and agree to
pay any applicable fees, charges or adjustments.
Irrevocable Beneficiary: I consent to the transfer of the account.
Signature of account holder Date (mmm/dd/yyyy) Signature of irrevocable befeficiary (if applicable) Date (mmm/dd/yyyy)
For use by relinquishing institution only
Registered type: RSP TFSA LIRA LRSP RIF LRIF LIF
Spousal plan? No Yes – if “Yes”, Contributors:
Last name First name Initial Social Insurance Number (SIN)
Locked-in: Locked-in funds Governing Legislation
No Yes – Locked-in
confirmation Contact name Telephone number Fax number
attached
Authorized signature Date (mmm/dd/yyyy)
30You need your Customer Number (found on page 1 of your statement) and Personal Identification Number (PIN) when you contact the Manulife Customer Service Centre. Customer Service Representatives can also help you set or reset your PIN. My Customer Number is:_________________
Questions?
Contact Manulife
( Call 1-888-727-7766
• Customer Service Representatives are available Monday to Friday from 8 a.m. to 8 p.m. ET
• Financial Education Specialists can be reached Monday to Friday from 9 a.m. to 5 p.m. ET
@ Send an email to GROmail@manulife.com
8 Visit www.manulife.ca/GRO
Use our TTY service at 1-866-391-7788.
Contact Manulife
( Call 1-888-727-7766
@ Send an email to GROmail@manulife.com
8 Visit www.manulife.ca/GRO
Group Retirement Solutions, group retirement and savings products and
Use our TTY service at 1-866-391-7788. services are offered through Manulife (The Manufacturers Life Insurance
Company).
Manulife, the Block Design, the Four Cube Design, and Strong Reliable Trustworthy
Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are
used by it, and by its affiliates under license.Use this Guide, along with your Enrolment Guide, to understand the investments available through the Dalhousie University Registered Retirement Savings Plan- Grant Paid & Associated Employees.
About this Fund Selection Guide
This Guide explains the funds available to you through your company's Registered Retirement Savings Plan
and helps you make investment choices suited to your needs.
Once you’ve selected your investments, please return to the Enrolment Guide to complete
your enrolment.
If you have questions about your investments…
• You can contact a Manulife Financial Education Specialist by calling 1-888-727-7766 from Monday
to Friday between 9 a.m. and 5 p.m. ET.
Refer to the back cover of your Enrolment Guide for a card you can detach and keep in your wallet.
2Determine what type of investor you are
To Do! Answer the questions below to determine whether you should build your own
portfolio or select a single, ready-made fund.
A B C
1. How interested are you in selecting
I am not I have some I am very
investment funds for your retirement savings?
interested. interest. interested.
I don't want to I review my I check my
2. How likely are you to monitor and rebalance review my investments investments on a
your investments on an annual basis? investments. annually. regular basis (at
least quarterly).
I have little to no I understand I am confident in
knowledge about the basics of my investment
3. How would you rate your investment
knowledge? investing. investing. knowledge.
If you chose Turn
two or more The best investment strategy for you is... to
responses from... page...
Column A ...to select a Retirement Date Fund. 4
A Retirement Date Fund offers a well-balanced investment portfolio
inside a single fund. Each fund is identified by its year of maturity, and
as the maturity date approaches the fund gradually rebalances to
become more conservative
Column B ...to select an Asset Allocation Fund. 6
Asset Allocation Funds offer a well-balanced portfolio inside a single
fund, and a professional fund manager monitors and rebalances these
portfolios for you. There is an Asset Allocation Fund that is suitable for
you – whether you’re a conservative investor or an aggressive one.
Column C ...to build your own portfolio. 6
Choose from the individual funds available through your program to
build your own portfolio.
3How to choose a Retirement Date Fund
To Do! Confirm the age at which you plan to retire: ___________
Calculate the year you plan to retire: _____________
Use the table below to select the Retirement Date Fund that is best suited to you.
For example: If you are 40 years old and plan to retire at age 65, you plan to retire in
25 years. Therefore, you will plan to retire in 2040. The fund best suited to you is the
ML BR LifePath Index 2040.
Specify the 4-digit fund code for the Retirement Date Fund you select in the Your
investment instructions section on each Application form.
If you plan to retire during
The Retirement Date fund for you is... Fund code
the period...
Before 2021 ML BR LifePath Index 2020 2324
2021 - 2025 ML BR LifePath Index 2025 2325
2026 - 2030 ML BR LifePath Index 2030 2326
2031 - 2035 ML BR LifePath Index 2035 2327
2036 - 2040 ML BR LifePath Index 2040 2328
2041 - 2045 ML BR LifePath Index 2045 2329
2046 - 2050 ML BR LifePath Index 2050 2330
2051 or later ML BR LifePath Index 2055 2331
To see the investment management fees and historical rates of returns for these funds, turn to
page 15.
If you are already retired, or are close to retirement, there is an income fund (2321 - ML BR LifePath Idx Retire)
that you may be interested in.
Please refer to the back of this Guide to obtain a detailed description of each Retirement Date Fund.
You have now finished the fund selection process. Please return to
4Step four on page 12 of the Enrolment Guide to complete your
enrolment.
5Determine your investor style
To Do! Circle one answer for each question.
Write your score – indicated in brackets at the end of each answer – in the box to
the right of each question.
Tally the scores you record for each question to get your total.
Your age, the numbers of years remaining until you retire, and how you feel about risk will determine your investor
style. Once you know your investor style, you can choose funds for your retirement savings.
Your score
1. What is your investment horizon – when will you need this money?
a. Within 3 years (0)
b. 3-5 years (3)
c. 6-10 years (5)
d. 11-15 years (8)
e. 15 + years (10)
2. What is your most important investment goal?
a. To preserve your money (0)
b. To see modest growth in your account (4)
c. To see more significant growth in your account (7)
d. To earn the highest return possible (10)
3. Please indicate which statement reflects your overall view of managing risk:
a. I don’t like risk and I am not prepared to expose my investments to any market fluctuations in
order to earn higher long-term returns. (0)
b. I am prepared to experience modest short-term market fluctuations in order to generate
growth of capital. (2)
c. I am prepared to experience average short-term market fluctuations in order to achieve a
higher long-term return. (4)
d. I want to maximize my long-term returns and am comfortable with significant short-term
market fluctuations. (6)
64. If you owned an investment that declined by 20% over a short period, what would you
do?
a. Sell all of the remaining investment (0)
b. Sell a portion of the remaining investment (2)
c. Hold the investment and sell nothing (4)
d. Buy more of the investment (6)
5. If you could increase your chances of improving your investment returns by taking
more risk, would you:
a. Be unlikely to take more risk (0)
b. Be willing to take a little more risk with some of your portfolio (2)
c. Be willing to take a lot more risk with some of your portfolio (4)
d. Be willing to take a lot more risk with your entire portfolio (6)
6. The following picture shows three
model portfolios and the highest and
lowest returns each is likely to earn in
any given year. Which portfolio
would you be most likely to hold?
a. Portfolio A (0)
b. Portfolio B (3)
c. Portfolio C (6)
7. After several years of following your retirement plan, you review your progress and
determine you are behind schedule and will need to modify your strategy in order to
retire at your preferred age. What would you do?
a. Keep the same investments you currently hold, but increase your contributions as much as
possible. (0)
b. Slightly increase your exposure to riskier investments and slightly increase your contributions.
(3)
c. Move your entire portfolio to riskier investments, hoping to achieve the highest long-term
return. (6)
78. Which statement best applies to your approach regarding achieving your retirement
income goals on time?
a. I must achieve my financial goal by my target retirement date. (0)
b. I would like to come close to achieving my financial goal by my target retirement date. (2)
c. If I have not reached my financial goal by my target retirement date, I have the flexibility to
delay my target retirement date. (4)
d. I re-evaluate my financial goals and target retirement date regularly and have the flexibility to
adjust them to align with the performance of my investments. (6)
Your total score:
Match your score to an investor style below.
If your score is Your investor style
About your investor style
between... is...
0–7 Conservative Protecting your money is your chief concern. You may be approaching
retirement, or simply prefer to take a cautious approach to investing
and preserve your money.
8 – 22 Moderate You want your money to grow, but are more concerned about
protecting it. Retirement may be in your near future or you may prefer
to be cautious with your investments and preserve your money.
23 – 37 Balanced You want a balance between growth and security although you will
accept some risk to have the potential for higher returns over time.
38 – 48 Growth You want to increase your money and are somewhat comfortable
riding the ups and downs of the market in exchange for the possibility
of higher returns over the long term. You may have time on your side
until you retire.
49 – 56 Aggressive You want to maximize the long-term growth of your retirement
savings. You understand the ups and downs of the markets and are
comfortable taking more risk to maximize potential returns. You have
plenty of time to wait out market cycles until you retire.
My investor style is: __________________________
8To Do! If you are choosing...
...an Asset Allocation Fund
Refer to page 10 for assistance with selecting the Asset Allocation Fund that
is right for you.
Specify the 4-digit fund code for the Asset Allocation Fund you select in the
Your investment instructions section on each Application form.
...to build your own portfolio
Refer to page 11 for assistance with selecting the investments that are right
for you.
Specify the percentage of contributions you want to invest in each fund in
the Your investment instructions section on each Application form.
9How to choose an Asset Allocation Fund
Your investor style (from page 8): ________________________
Choose the Asset Allocation (AA) Fund that matches your investor style.
If your investor style is... The Asset Allocation Fund for you is... Fund code
Conservative ML Conservative AA 2001
Moderate ML Moderate AA 2002
Balanced ML Balanced AA 2003
Growth ML Growth AA 2004
Aggressive ML Aggressive AA 2005
Note – Although these funds are rebalanced periodically to ensure they meet the objectives for each investor
style, we recommend you complete the Investor Style Questionnaire at least annually to ensure your style has
not changed.
To see the investment management fees and historical rates of returns for these funds, turn to page 15
in this Guide. Please refer to the back of this Guide to obtain a detailed description of each Asset Allocation
Fund.
You have now finished the fund selection process. Please return to
Step four on page 12 of the Enrolment Guide to complete your
enrolment.
10How to build your own portfolio
Your investor style (from page 8): ________________________
Find the sample portfolio that matches your investor style.
You can use the sample portfolios as a guideline to help you choose individual funds. To ensure you create a
well-diversified portfolio, select at least one fund from each asset class.
Each asset class in the sample portfolio is represented by a different colour, and each fund's description is
printed in the colour that represents its asset class. For example, all Fix Income fund descriptions are blue, and
all US Equity fund descriptions are orange. Keep this in mind when researching and choosing funds to invest
in.
You can find descriptions of all available funds at the back of this Guide.
If your investor style is... A recommended asset mix for you is...
Conservative
Moderate
11If your investor style is... A recommended asset mix for you is... Balanced Growth Aggressive Notes: • Balanced funds are not included in the sample portfolios. These funds are already well-diversified and generally invest 40% in fixed income investments and 60% in equity investments. Keep this in mind when you are using the guidelines shown. 12
• You should consider how your savings outside of this plan are invested. Your other investments may
already fulfill some parts of the sample portfolio in the above table. The guidelines provided are only
suggestions.
Where to find detailed fund information
A summary of the funds available through your group program – including the investment management fees
and historical rates of return for these funds – is in the next section of this Guide titled Your investment
choices. Please refer to the back of this Guide to obtain a detailed description of each fund.
You have now finished the fund selection process. Please return to
Step four on page 12 of the Enrolment Guide to complete your
enrolment.
13Your investment choices
The remaining sections of this Guide include detailed information about the
investments available in your program.
Page
Rates of Return Overview for your plan investments 15
How to Read Fund Descriptions 18
Funds available:
• Guaranteed Interest Accounts
• Target Date Funds
• Asset Allocation
• Canadian Money Market
• Fixed Income
• Balanced
• Canadian Large Cap Eqty
• Cdn Small/Mid Cap Eqty
• US Large Cap Eqty
• International Equity
• Global Equity
14Rates of Return Overview
Market-based Funds
The investments available through your plan appear here. The rates of return in this chart reflect performance
before investment management fees (IMFs) are deducted.
Benchmark returns are also provided to help you compare fund performance. These returns, marked in italics,
are for comparison purposes only and are not available for investment.
Rates of return on October 31, 2015
1 2
Annualized Returns(%) Annual returns(%)
Fund 10
3 4
Code Fund Name IMF% YTD 1 Year 2 Year 3 Year 4 Year 5 Year Year 2015 2014 2013 2012 2011
TARGET DATE FUNDS
2321 ML BR LifePath Idx Retire5 1.275 3.8 4.5 6.7 6.6 6.8 6.4 n/a 4.5 9.0 6.3 7.4 5.0
Blend: BR LifePath Idx Retirement 4.0 4.6 6.8 6.6 6.9 6.6 n/a 4.6 9.0 6.4 7.5 5.3
2324 ML BR LifePath Index 2020 5 1.275 4.3 5.9 9.0 9.2 9.1 8.1 n/a 5.9 12.2 9.6 8.9 4.1
Blend: BR LifePath Index 2020 4.4 5.9 9.0 9.2 9.2 8.2 n/a 5.9 12.3 9.5 9.1 4.5
2325 ML BR LifePath Index 2025 5 1.275 5.0 6.9 10.1 10.7 10.4 8.9 n/a 6.9 13.4 12.0 9.2 3.3
Blend: BR LifePath Index 2025 5.1 6.9 10.2 10.8 10.4 9.0 n/a 6.9 13.5 11.9 9.3 3.6
2326 ML BR LifePath Index 2030 5 1.275 5.5 7.4 10.7 11.9 11.1 9.2 n/a 7.4 14.1 14.3 8.9 1.9
Blend: BR LifePath Index 2030 5.6 7.4 10.7 11.9 11.2 9.4 n/a 7.4 14.1 14.3 9.1 2.4
2327 ML BR LifePath Index 2035 5 1.275 6.0 7.9 11.3 13.0 11.9 9.6 n/a 7.9 14.8 16.3 8.7 0.9
Blend: BR LifePath Index 2035 6.0 7.8 11.3 12.9 11.9 9.7 n/a 7.8 14.8 16.2 8.8 1.4
2328 ML BR LifePath Index 2040 5 1.275 6.5 8.5 11.9 13.9 12.5 9.9 n/a 8.5 15.5 17.9 8.4 0.1
Blend: BR LifePath Index 2040 6.5 8.4 11.8 13.8 12.5 10.0 n/a 8.4 15.4 17.9 8.6 0.5
2329 ML BR LifePath Index 2045 5 1.275 7.0 9.1 12.6 14.8 13.2 10.2 n/a 9.1 16.1 19.5 8.3 -0.8
Blend: BR LifePath Index 2045 6.9 9.0 12.4 14.7 13.1 10.3 n/a 9.0 16.0 19.4 8.4 -0.4
2330 ML BR LifePath Index 2050 5 1.275 7.3 9.6 13.2 15.4 n/a n/a n/a 9.6 16.8 20.2 n/a n/a
Blend: BR LifePath Index 2050 7.2 9.4 13.0 15.4 n/a n/a n/a 9.4 16.6 20.5 n/a n/a
2331 ML BR LifePath Index 2055 5 1.275 n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Blend: BR LifePath Index 2055 n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
15Rates of return on October 31, 2015
1 2
Annualized Returns(%) Annual returns(%)
Fund 10
3 4
Code Fund Name IMF% YTD 1 Year 2 Year 3 Year 4 Year 5 Year Year 2015 2014 2013 2012 2011
ASSET ALLOCATION
2001 ML Conservative AA5 1.350 4.4 6.3 7.0 6.4 6.5 5.9 5.6 6.3 7.8 5.3 6.8 3.3
Blend: MLI Conservative Asset Allocation 4.6 6.6 6.6 5.7 5.6 5.3 5.3 6.6 6.7 3.8 5.3 4.0
2002 ML Moderate AA 5 1.350 5.1 7.0 8.2 8.6 8.3 7.0 6.0 7.0 9.4 9.6 7.3 1.8
Blend: MLI Moderate Asset Allocation 5.0 6.9 7.8 7.6 7.3 6.6 6.1 6.9 8.7 7.4 6.4 3.6
2003 ML Balanced AA 5 1.350 5.7 7.4 9.3 10.8 10.0 8.2 6.8 7.4 11.2 14.0 7.7 1.2
Blend: MLI Balanced Asset Allocation 5.4 7.2 8.8 9.6 8.9 7.5 6.4 7.2 10.4 11.3 6.7 2.3
2004 ML Growth AA 5 1.350 6.2 8.0 10.4 13.1 11.8 9.1 6.8 8.0 13.0 18.7 7.7 -1.1
Blend: MLI Growth Asset Allocation 5.4 7.2 9.7 11.5 10.3 8.4 6.7 7.2 12.2 15.3 6.9 0.9
2005 ML Aggressive AA 5 1.350 6.4 8.0 11.2 14.9 13.1 9.8 7.1 8.0 14.4 22.9 7.7 -2.2
Blend: MLI Aggressive Asset Allocation 5.0 6.8 10.4 13.3 11.7 9.2 6.9 6.8 14.1 19.4 7.1 -0.5
CANADIAN MONEY MARKET
3191 ML Daily High Interest 1.000 1.2 1.5 1.6 1.7 1.7 1.7 n/a 1.5 1.8 1.8 1.8 1.6
FTSE TMX 91 Day Treasury Bill Index 0.6 0.7 0.8 0.9 0.9 0.9 1.8 0.7 0.9 1.1 1.0 1.0
FIXED INCOME
4191 ML MAM Cdn Bond Index 1.055 2.2 4.4 5.1 3.4 4.0 4.3 5.0 4.4 5.9 -0.0 5.7 5.9
4271 ML PH&N Bond Fund 1.300 2.6 4.9 5.6 3.8 4.4 4.6 5.5 4.9 6.2 0.5 5.9 5.6
FTSE TMX Universe Bond Total Return Idx 2.3 4.4 5.1 3.4 4.0 4.4 5.1 4.4 5.8 -0.0 5.7 6.0
BALANCED
5301 ML Leith Wheeler Dvsfd Pld5 1.350 1.9 3.0 7.5 10.6 10.3 8.7 6.7 3.0 12.2 17.3 9.4 2.4
Balanced Benchmark 6 2.1 3.7 6.8 7.8 7.4 6.3 5.7 3.7 9.9 10.0 6.0 2.1
CANADIAN LARGE CAP EQTY
7132 ML MAM Cd Equity Index 1.050 -5.2 -4.5 3.8 6.2 5.7 4.4 5.8 -4.5 12.8 11.0 4.4 -0.9
7142 ML Pyramis Cdn Core Equity 1.350 1.3 2.8 9.2 11.3 9.4 7.5 7.9 2.8 16.0 15.8 3.9 -0.1
7502 ML Franklin Bissett Cdn Eq 1.300 -4.3 -4.9 5.6 11.3 11.3 9.7 8.2 -4.9 17.1 23.9 11.0 3.8
7632 ML BG Fundamental Cdn Eq 1.300 -0.9 -0.2 n/a n/a n/a n/a n/a -0.2 n/a n/a n/a n/a
S&P/TSX Total Return -5.2 -4.6 3.6 6.0 5.6 4.3 5.6 -4.6 12.6 11.0 4.5 -0.8
CDN SMALL/MID CAP EQTY
7015 ML Mult Cdn Small Cap Eqty 1.450 -12.8 -14.2 -3.8 5.5 6.8 5.7 7.4 -14.2 7.9 27.1 10.5 1.6
BMO Nesbitt Burns Cdn Small Cap Index -10.2 -10.8 -3.6 -1.4 -1.0 -0.7 3.8 -10.8 4.2 3.3 0.2 0.4
US LARGE CAP EQTY
8322 ML BR U.S. Equity Index 1.125 16.0 22.1 24.4 27.1 24.2 20.2 n/a 22.1 26.8 32.6 15.9 5.5
8631 ML BG American Equity 1.500 11.4 18.5 22.8 26.3 24.0 20.1 10.7 18.5 27.3 33.4 17.2 5.7
S&P 500 Composite Total Return 15.8 22.1 24.4 27.1 24.2 20.2 9.0 22.1 26.8 32.7 15.9 5.4
Idx($Cdn)7
INTERNATIONAL EQUITY
8321 ML BR Intl Equity Index 1.200 15.6 16.2 11.8 18.4 15.0 10.4 5.3 16.2 7.7 32.6 5.4 -6.1
8452 ML Mawer International Eqty 1.600 16.6 21.1 16.5 18.9 17.6 13.2 9.3 21.1 12.1 23.8 13.8 -2.6
MSCI EAFE ($ Cdn) 7 15.6 16.5 12.1 18.7 15.3 10.7 5.6 16.5 7.9 32.9 5.8 -6.0
16Rates of return on October 31, 2015
1 2
Annualized Returns(%) Annual returns(%)
Fund 10
3 4
Code Fund Name IMF% YTD 1 Year 2 Year 3 Year 4 Year 5 Year Year 2015 2014 2013 2012 2011
GLOBAL EQUITY
8181 ML Trimark 1.600 15.5 19.2 17.6 21.1 19.0 16.1 8.3 19.2 16.0 28.5 12.9 5.0
MSCI World ($ Cdn)7 14.9 18.8 18.4 22.8 19.7 15.4 7.5 18.8 18.1 32.0 10.8 -0.2
Guaranteed Interest Accounts (GIAs)
The interest rates for the GIAs available through your plan appear here.
These rates are as at November 30, 2015.
Fund Interest
Code Fund Name Rate
1001 Manulife 1 Year GIA .450%
1003 Manulife 3 Year GIA .750%
1005 Manulife 5 Year GIA 1.100%
Notes:
1
An annualized return is an average return that has been expressed as an annual (yearly) rate.
2
An annual return is the return of an investment over a 12 month period. As an example: a one year annual return as at June 30, 2012 would be from July 1, 2011
to June 30, 2012.
3
The Investment Management Fees (IMFs) shown incorporate costs related to investment management services, record-keeping, administration and segregated
fund operating expenses, and may include underlying fund operating expenses. Applicable taxes are not included in the IMFs.
4
Year to date (YTD) rates of return are not annualized.
5
Refer to the fund page for details on how the benchmark is comprised.
6
The Benchmark is comprised of 35% S&P/TSX Composite Total Return Index ($CA), 35% FTSE TMX Canada Universe Bond Index, 10% S&P 500 Composite
Total Return Index ($CA), 10% MSCI EAFE Total Return Index ($CA), and 10% FTSE TMX Canada 91 Day Treasury Bill Index.
7
Conversions are based on Bank of Canada nominal noon exchange rates, which are published each business day at about 12:30 ET.
Manulife Return
These numbers represent the gross rate of return of the Manulife fund.
Additional Historical Information
In order to provide further historical information, we have included the returns of the underlying funds.
17You can also read
