Copyright Manulife.  Commentary is for general information purposes only and shouldn’t be relied on for specific financial, legal or other advice and does not constitute an offer or an invitation by or on behalf of Manulife Investment Management to any person to buy or sell any security.  Opinions expressed are those of Manulife and/or the sub-advisor of Manulife Investment Management and are subject to change based on market and other conditions. Manulife isn’t responsible for any losses arising from any use of this information.  Manulife mutual funds are managed by Manulife Investments, a division of Manulife Investment Management Limited. Manulife Investment Management Limited (formerly named Manulife Asset Management Limited).  Manulife Investment Management is a trade name of Manulife Investment Management Limited.Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts and prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.This information does not replace or supersede KYC (know your client) suitability, needs analysis or any other regulatory requirements.

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