Retire your worry about retirement
At Manulife, we recognize that planning for retirement is not a one-size-fits-all process. Manulife Goals-Based Investing (GBI) is a customizable investment program designed to deliver solutions for your unique long-term goals. With the help of your Manulife Securities advisor, Manulife GBI can provide you with actionable guidance by illustrating your possible future cash flow needs in a way that has never been done before.
How Manulife Goals-Based Investing works
Manulife Goals-Based Investing is a unique and fully customizable program made up of two main components:
Backed by ‘Big Data’
Manulife’s GBI Tool is driven by advanced analytics that illustrate what your retirement spending needs could look like in the future and how your health may affect your retirement income needs.
A projected income stream with growth potential
Manulife GBI uses an investment strategy called liability-driven investing (LDI) - designed to provide you with a higher degree of confidence in the projected minimum income it pays out while providing you with potential to grow your future income stream.
How Manulife Goals-Based Investing benefits your retirement
Manulife Goals-Based Investing focuses on helping you meet your income goals, not about performing against a stock market. So you can have a higher degree of confidence in your projected retirement income stream.
- Driven by advanced analytics that illustrate what your retirement spending needs could look like in the future
- Designed to provide you with a higher degree of confidence in the projected minimum income it pays out, and the potential to grow your future income stream
Finally, a way to look forward to retirement with optimism? Now, that’s different.
Ready to invest?
Speak to a Manulife Securities advisor to discuss how Manulife Goals-Based Investing might meet your needs.
The GBI Program tool is for educational and illustrative purposes only. Projected expenses and income illustrated by the GBI Program tool are estimates and not guaranteed and should not be construed as a contractual undertaking. Projected income levels (cash flows) are based on investments in mutual fund securities and assume there will be cash flows through redemptions. If your redemptions exceed your GBI goal suggested payout percentages, you will eventually deplete your investment and you will no longer receive income. You and your advisor are responsible for considering what meets your investment needs, and for determining your appropriate investment strategy based on your finances and other circumstances.
The GBI Program helps investors meet their projected minimum income with a higher degree of confidence. The term “confidence” refers to the probability that the investment strategy used in the GBI Program will provide at least the total projected minimum income (as shown in the GBI Program tool) over your selected retirement period. It assumes you make the initial and future contribution amounts you selected and uses interest rates current on the date of the illustration. Depending on your specific circumstances, your projected minimum income may be insufficient to cover your projected expenses, which may impact your GBI goal status.
The confidence assessment is based on simulated outcomes, using historical volatility and correlation parameters to forecast returns. Simulations have been developed for sample cases that may or may not be representative of your situation. Outcomes may differ for several reasons, including but not limited to changes in the market value of underlying assets, interest rate movements, credit defaults, changes to the timing or amounts of purchases, switches and redemptions, and other unforeseen circumstances. Consult with your advisor to understand these outcomes and your specific circumstances.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts as well as the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. The Goals-Based Investing Solutions are managed by Manulife Investments, a division of Manulife Asset Management Limited