Manulife Unclaimed

Empower your financial future with comprehensive savings and investment options.

Employer-sponsored plans that simplify saving for retirement and may lower your taxes.

Transform Your Savings Into Reliable Retirement Income With Our Plans.

Get personalized financial guidance from licensed advisors to enhance your retirement planning and investments.

Access interactive retirement calculators to effectively plan your financial future.

Administration and delivery of employer-sponsored retirement plans (RPP, RRSP, TFSA, DPSP, NRSP) with payroll-integrated features such as automatic contributions, onboarding, beneficiary management, and plan-sponsor support.

Individual account aggregation and ongoing account management for plan members and eligible family, offering consolidated access, lower fees, member rewards, account linking, automatic savings, and mobile/secure sign-in.

Licensed financial advice and retirement planning focused on income strategies, plan conversions (GRIP, RRIF, LIF, PRIF, RLIF), investment selection, and coordinated estate and insurance advice delivered via included advisors and virtual or phone appointments.

Digital planning capabilities including retirement income and savings calculators, contribution and withdrawal modeling, financial wellness assessments, investor-style profiling, and goal-tracking to inform member decisions.

Manulife Personal Plan

Save, invest, and retire—all in one place. The Manulife Personal Plan is available exclusively to Manulife group retirement members and their families, offering a broad range of savings options and enhanced benefits beyond employer plans. It includes one-on-one guidance with licensed professionals, access to more than 200 funds from 40 fund managers, and features such as no transfer fees, lower fees, family eligibility, automatic savings, goal tracking, account linking, and convenient account access through secure sign-in and the Manulife Mobile app.

• Access Your Accounts Anytime
  Conveniently manage your retirement savings and investments directly through the secure online platform and mobile application.
• Receive Personalized Support
  Access tailored advice from experts to navigate your retirement planning successfully.
• Set Up Automatic Contributions
  Conveniently automate your savings to ensure you consistently contribute towards your financial goals.
• Benefit From Lower Fees
  Save more of your investment returns with competitive fee structures designed for better savings.
• Explore Diverse Investment Choices
  Invest across multiple funds with impressive diversity to significantly boost your growth potential.
• Maximize Your Rewards
  Enhances your savings potentials through linked accounts that boost bonuses.
• Track Your Financial Goals
  Stay on top of your savings progress by conveniently monitoring your goals within your account.
• Earn Rewards
  Benefit from a rewards program that grows as your assets accumulate.
• Transfer Without Fees
  Easily transfer your funds into your personal plan without any added costs.
• Include Your Family
  Extend membership benefits to family members, maximizing the financial growth potential for your loved ones.
• Consolidate Your Savings
  Combine your savings into a single plan for easier management and tracking.

Group Retirement Savings Plans

Group retirement savings plans are employer-sponsored options to help you save for retirement. They feature a range of plan types, including Registered Pension Plan (RPP), Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), Deferred Profit-Sharing Plan (DPSP), Employee Profit-Sharing Plan (EPSP), and Non-registered savings plan (NRSP). These plans simplify saving, may lower your taxes, and can be integrated with financial guidance from Manulife advisors.

• Includes Employer Contributions
  RPPs ensure contributions from both employers and employees, deferring taxes to enhance retirement savings.
• Provides Tax Benefits On Contributions
  RRSP contributions are tax-deductible, promoting savings growth through tax deferral until retirement.
• Enables Tax-Free Growth
  TFSAs provide a vehicle for tax-free growth and withdrawals, enhancing savings efficiency for retirement.
• Offers Personalized Financial Support
  Dedicated advisors provide tailored guidance, helping members navigate their options and maximizing retirement savings.
• Streamlines The Savings Process
  Automatic contributions ensure regular savings, making it easier for employees to build their retirement funds without active management.
• Supports A Holistic Approach To Saving
  The variety of plans ensures that individuals can choose the best options suited for their retirement goals and financial circumstances.
• Offers Employer Shared Profits
  DPSPs allow employers to share their profits with employees, enhancing retirement savings while offering tax benefits for contributions.
• Facilitates Employee Profit Sharing
  EPSPs enable employees to partake in profits generated by the employer, potentially increasing retirement savings while managing tax implications.
• Flexible Savings For All Goals
  NRSPs offer a flexible savings option for various financial goals but are subject to taxes on gains.

Group Retirement Income Plans

Group retirement income plans help you maximize savings by converting them into retirement income. They cover moving money from group savings to GRIP and include components such as RRIFs and LIFs for both non-locked-in and locked-in money, with options like LRIF, RLIF, and PRIF, plus guidance and support to help you plan for retirement.

• Get Expert Instruction On Income Options
  Access comprehensive guidance and personalized tools from Manulife professionals to ensure your retirement income strategy aligns with your financial goals.
• Access Diverse Investment Options
  Take advantage of an extensive selection of over 200 funds and investment choices customized to meet your unique financial goals.
• Use LIF For Locked-In Funds
  Leverage a Life Income Fund to manage locked‑in savings with specific withdrawal rules, ensuring tax advantages until you access the funds.
• Manage RRIF For Non-Locked Funds
  Implement a Registered Retirement Income Fund to facilitate minimum annual withdrawals from non-locked funds while enjoying tax-deferred growth.
• Earn Rewards While Saving
  Engage in the Member Rewards Program to receive annual bonuses and enjoy reduced fees based on your investment levels in the plan.
• Choose LRIF For Long-Term Security
  Select a Locked-In Retirement Income Fund for a reliable income stream from long-term locked-in savings, tailored for secure retirement planning.
• Access RLIF For Flexibility
  Utilize a Restricted Life Income Fund to draw from locked-in assets with flexible withdrawal methods, based on relevant regulations.
• Utilize PRIF For Specific Needs
  Employ a Prescribed Retirement Income Fund to meet your retirement income needs while adhering to specific regulatory requirements.

Manulife Wealth Advisor Services

Professional financial advice tailored to your situation. Manulife Wealth advisors provide licensed, personal, and practical guidance that extends beyond retirement planning. They can help you understand your group retirement plan, optimize employer contributions, and coordinate investments, insurance, and estate planning. Advice is included with select group retirement plans, and virtual or phone meetings are available for you and your family.

• Cost-Free Consultation
  Enjoy financial planning services at no extra cost within qualifying retirement plans.
• Expert Financial Advice
  Work with qualified professionals who understand your specific retirement needs and strategies.
• Personalized Strategy
  Receive unbiased financial advice designed specifically to fit your individual goals and circumstances.
• Tailored Financial Plan
  Get a comprehensive financial strategy designed for your unique life circumstances and aspirations.
• Enroll In Plans Easily
  Benefit from the expertise of advisors who can help you navigate plan options and adjustments efficiently.
• Inclusive Support
  Access financial advice for yourself and your loved ones, ensuring comprehensive support at every stage.
• Accessible Communication
  Receive financial guidance in a language that suits you and your family's needs.
• Flexible Meeting Options
  Easily schedule consultations via phone or video calls, adapting to your availability.

Retirement Tools

A collection of online retirement calculators and tools designed to help you plan for tomorrow. The tools include a retirement savings calculator, retirement income calculator, contribution calculator, investment comparison calculator, withdrawal calculator, Find Your Investor Style, financial wellness assessment, and investing basics to guide your decisions.

• Demonstrates Impact Of Contributions
  Use this tool to visually understand how your contributions influence retirement savings and plan accordingly.
• Estimates Future Income
  This tool helps you forecast retirement income based on your savings, allowing for more effective retirement planning.
• Guides Savings Goals
  Determine the amount to save regularly to achieve your desired retirement income, creating a clear saving strategy.
• Evaluates Financial Health
  This tool helps you assess your current financial situation and provides actionable steps for improvement.
• Assesses Investment Potential
  Evaluate multiple investment options' growth trajectories to make informed choices for your portfolio.
• Identifies Investment Preferences
  Discover your investment style with a quick quiz that aligns your preferences with suitable strategies.
• Evaluates Withdrawal Effects
  Understand the long-term consequences of making early withdrawals from your RRSP on your retirement savings.
• Provides Foundational Knowledge
  Access educational videos that simplify investment concepts, enhancing your understanding for better decision-making.