Disclaimer

A widespread health crisis such as a global pandemic could cause substantial market volatility, exchange-trading suspensions and closures, and affect portfolio performance. For example, the novel coronavirus disease (COVID-19) has resulted in significant disruptions to global business activity. The impact of a health crisis and other epidemics and pandemics that may arise in the future, could affect the global economy in ways that cannot necessarily be foreseen at the present time. A health crisis may exacerbate other pre-existing political, social and economic risks. Any such impact could adversely affect a portfolio’s performance, resulting in possible losses to one’s investment

Investing involves risks, including the potential loss of principal. Financial markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments.  These risks are magnified for investments made in emerging markets. Currency risk is the risk that fluctuations in exchange rates may adversely affect the value of a portfolio’s investments.

The information and/or analysis contained herein have not been reviewed by, are not registered with any securities or other regulatory authority and have been compiled or arrived at from sources believed to be reliable but Manulife Investment Management does not make any representation as to their accuracy, correctness, usefulness or completeness and does not accept liability for any loss arising from the use hereof or the information and/or analysis contained herein. The information herein may contain projections or other forward-looking statements regarding future events, targets, management discipline, or other expectations, and is only current as of the date indicated. Statements concerning financial market trends, are based on current market conditions, which will fluctuate and may be superseded by subsequent market events or for other reasons. Manulife Investment Management disclaims any responsibility to update such information.

Neither Manulife Investment Management nor its affiliates, nor any of their directors, officers or employees shall assume any liability or responsibility for any direct or indirect loss or damage or any other consequence of any person acting or not acting in reliance on the information contained herein. The information and contents herein were prepared solely for informational purposes and do not constitute a recommendation, professional advice, an offer, solicitation or an invitation by or on behalf of Manulife Investment Management to any person to buy or sell any security or adopt any investment strategy, and are no indication of trading intent in any fund or account managed by Manulife Investment Management. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment. Diversification or asset allocation does not guarantee a profit or protect against the risk of loss in any market. Unless otherwise specified, all data is sourced from Manulife Investment Management. Past performance does not guarantee future results. Nothing herein constitutes investment, legal, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to one’s individual circumstances, or otherwise constitutes a personal recommendation to a prospective investor. Past performance is not an indication of future results.

The information provided herein does not take into account the suitability, investment objectives, financial situation, or particular needs of any specific person. A prospective investor should consider the suitability of any type of investment for his/her circumstances and, if necessary, seek professional advice.

Manulife Investment Management

Manulife Investment Management is the global wealth and asset management segment of Manulife Financial Corporation. We draw on more than a century of financial stewardship to partner with clients across our institutional, retail, and retirement businesses globally. Our specialist approach to money management includes the highly differentiated strategies of our fixed-income, specialized equity, multi-asset solutions, and private markets teams—along with access to specialized, unaffiliated asset managers from around the world through our multimanager model.

The products and services of Manulife Investment Management and Trust Corporation are trust and/or investment solutions and NOT deposit products, obligations of, guaranteed, or insured by the company, its parent company or its affiliates. These products are not insured nor governed by the Philippine Deposit Insurance Corporation (PDIC). Due to the nature of investments, yields and potential yields cannot be and are not guaranteed. Any loss/income arising from market fluctuations and price volatility of securities held by funds, even if invested in government securities, is for the account of the client/investor. As such, units of participation of an investor, when redeemed, may be worth more or be worth less than his/her initial investment contributions. When presented, historical performance is purely for reference purposes and is not a guarantee of similar future results. Manulife Investment Management and Trust Corporation is not liable for losses unless upon willful default, bad faith, or gross negligence on its part.

Manulife Investment Management and Trust Corporation, its products and services are regulated and governed by the Bangko Sentral ng Pilipinas (BSP) with telephone number (02) 8708-7087 and email address consumeraffairs@bsp.gov.ph. For inquiries or complaints relating to our products and services, you may call our Customer Care Hotline at (02) 8884-7000 or send an email to phtrust@manulife.com. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph).

Proprietary Information – Please note that the information and contents herein must not be wholly or partially reproduced, distributed, circulated, disseminated, published or disclosed, in any form and for any purpose, to any third party without prior approval from Manulife Investment Management.