“This fund is offered to you through a business arrangement between two strong performers in investment and retirement savings management: ManuLife Financial and (one of many depending on the fund such as Janis, Fidelity, Franklin, AIM, Lord Abbott)”. What exactly does this mean? It sounds to me like it's a variable annuity. Check annual expense ratios (not just on the underlying funds but on the overall contract) as well as surrender fees.jtmitch
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