You can access a comprehensive fund fact sheet by clicking on the fund name on the web page you downloaded this file from on jhretirement.com.
You can access a comprehensive fund fact sheet by clicking on the fund name on the web page you downloaded this file from on jhretirement.com.
The performance data shown represents past performance, which is not a guarantee of future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth more or less than their original cost. See performance data current to the most recent month-end, which may be higher or lower than that cited.
Performance figures assume all distributions are reinvested.
Funds that do not have a 1, 3, 5, or 10 year performance history may receive an Extended Performance rating by Morningstar which means returns reflect the historical performance of the oldest share class of the fund.
If performance calculated is based on extended performance, a 'Y' will be populated in the 'Uses extended performance?' column on the right. The inception date is that of the share class shown and may not reflect inception date of the oldest share class upon which extended performance may be calculated.
You can access a comprehensive fund fact sheet by clicking on the fund name on the web page you downloaded this file from on jhretirement.com.
Gross Expense Ratio
This is the percentage of fund assets paid for operating expenses and management fees. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, sub-advisor, and transfer agency. In contrast to the net expense ratio, the gross expense ratio does not reflect any fee waivers in effect during the time period. Also known as the Total Annual Fund Operating Expense Ratio, Morningstar pulls the prospectus gross expense ratio from the fund's most recent prospectus. Prospectus expense ratios reflect material changes to the expense structure for the current period.
Net Expense Ratio
The Net Expense Ratio is the total fund operating expense from the fund's most recent prospectus, after any applicable voluntary or contractual fee waivers and/or expense reimbursements, which may be discontinued at any time. For more information on fee waivers and/or expense reimbursements, please see the fund fact sheet and/or prospectus.
Fees may vary based on share class.
You can access a comprehensive fund fact sheet by clicking on the fund name on the web page you downloaded this file from on jhretirement.com.
Gross Expense Ratio
This is the percentage of fund assets paid for operating expenses and management fees. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, sub-advisor, and transfer agency. In contrast to the net expense ratio, the gross expense ratio does not reflect any fee waivers in effect during the time period. Also known as the Total Annual Fund Operating Expense Ratio, Morningstar pulls the prospectus gross expense ratio from the fund's most recent prospectus. Prospectus expense ratios reflect material changes to the expense structure for the current period.
Net Expense Ratio
The Net Expense Ratio is the total fund operating expense from the fund's most recent prospectus, after any applicable voluntary or contractual fee waivers and/or expense reimbursements, which may be discontinued at any time. For more information on fee waivers and/or expense reimbursements, please see the fund fact sheet and/or prospectus.
Investment Credit
The Investment Credit ('IC') reflects the percentage of revenue John Hancock receives from the Fund's Management Fee, 12b-1 Fee, STA Fee, and any Other Fees that John Hancock has agreed to credit to the Plan or its participants. (While the ER is paid out of Fund assets, the IC is not paid out of Fund assets.) Subject to change.
Net Investment Cost
Net Investment Cost equals the Total Gross Operating Expense Ratio minus any applicable waiver or reimbursement and the Investment Credit. Please refer to the fund fact sheet for information on any applicable waiver or reimbursement.
The statistical measurement of dispersion about an average, depicts how widely a mutual fund's returns varied over a certain period of time. Investors use the standard deviation of historical performance to try to predict the range of returns that are most likely for a given fund. When a fund has a high standard deviation, the predicated range of performance is wide, implying greater volatility.
Morningstar computes the standard deviation using the trailing monthly total returns for the appropriate time period. All of the monthly standard deviations are then annualized.
Funds that do not have a 1, 3, 5, or 10 year performance history may receive an Extended Performance rating by Morningstar which means returns reflect the historical performance of the oldest share class of the fund.
If performance calculated is based on extended performance, a 'Y' will be populated in the 'Uses extended performance?' column on the right. The inception date is that of the share class shown and may not reflect inception date of the oldest share class upon which extended performance may be calculated.
You can access a comprehensive fund fact sheet by clicking on the fund name on the web page you downloaded this file from on jhretirement.com.
Below you will find detailed information about the funds you are invested in, as well as the additional investment options available to you. Each tab highlights different data elements, but you can also access a comprehensive fund fact sheet by clicking on the fund name.
Bold Fund name means the fund is closed.
Below you will find detailed information about the funds you are invested in, as well as the additional investment options available to you. Each tab highlights different data elements, but you can also access a comprehensive fund fact sheet by clicking on the fund name.
Bold Fund name means the fund is closed.
Below you will find detailed information about the funds you are invested in, as well as the additional investment options available to you. Each tab highlights different data elements, but you can also access a comprehensive fund fact sheet by clicking on the fund name.
The performance data shown represents past performance, which is not a guarantee of future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth more or less than their original cost. See performance data current to the most recent month-end, which may be higher or lower than that cited.
Performance figures assume all distributions are reinvested.
Funds that do not have a 1, 3, 5, or 10 year performance history may receive an Extended Performance rating by Morningstar which means returns reflect the historical performance of the oldest share class of the fund.
If performance calculated is based on extended performance, the number shown will be italicized. The inception date is that of the share class shown and may not reflect inception date of the oldest share class upon which extended performance may be calculated.
Bold Fund name means the fund is closed.
Below you will find detailed information about the funds you are invested in, as well as the additional investment options available to you. Each tab highlights different data elements, but you can also access a comprehensive fund fact sheet by clicking on the fund name.
Fees may vary based on share class.
Bold Fund name means the fund is closed.
Below you will find detailed information about the funds you are invested in, as well as the additional investment options available to you. Each tab highlights different data elements, but you can also access a comprehensive fund fact sheet by clicking on the fund name.
Standard deviation, the statistical measurement of dispersion about an average, depicts how widely a mutual fund's returns varied over a certain period of time. Investors use the standard deviation of historical performance to try to predict the range of returns that are most likely for a given fund. When a fund has a high standard deviation, the predicated range of performance is wide, implying greater volatility.
Morningstar computes the standard deviation using the trailing monthly total returns for the appropriate time period. All of the monthly standard deviations are then annualized.
Funds that do not have a 1, 3, 5, or 10 year performance history may receive an Extended Performance rating by Morningstar which means returns reflect the historical performance of the oldest share class of the fund.
If performance calculated is based on extended performance, the number shown will be italicized. The inception date is that of the share class shown and may not reflect inception date of the oldest share class upon which extended performance may be calculated.
Bold Fund name means the fund is closed.
Your plan offers Advisor Model Portfolios. Click here to review information provided by your advisor on these options. If you would like to select or de-select a model, please call John Hancock at 1-800-547-1860.
You have selected the following Advisor Model Portfolio:
Expense Ratio Gross (%) / Net (%)Gross Expense Ratio
This is the percentage of fund assets paid for operating expenses and management fees. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, sub-advisor, and transfer agency. In contrast to the net expense ratio, the gross expense ratio does not reflect any fee waivers in effect during the time period. Also known as the Total Annual Fund Operating Expense Ratio, Morningstar pulls the prospectus gross expense ratio from the fund's most recent prospectus. Prospectus expense ratios reflect material changes to the expense structure for the current period.
Net Expense Ratio
The Net Expense Ratio is the total fund operating expense from the fund's most recent prospectus, after any applicable voluntary or contractual fee waivers and/or expense reimbursements, which may be discontinued at any time. For more information on fee waivers and/or expense reimbursements, please see the fund fact sheet and/or prospectus.
Net Expense Ratio (%)
Contractual or Voluntary Fee and 'Expiry Date'
Investment Credits (%)The Investment Credit ('IC') reflects the percentage of revenue John Hancock receives from the Fund's Management Fee, 12b-1 Fee, STA Fee, and any Other Fees that John Hancock has agreed to credit to the Plan or its participants. (While the ER is paid out of Fund assets, the IC is not paid out of Fund assets.) Subject to change.
Net Investment Cost (%)Net Investment Cost equals the Total Gross Operating Expense Ratio minus any applicable waiver or reimbursement and the Investment Credit. Please refer to the fund fact sheet for information on any applicable waiver or reimbursement.
As of 06/30/20XX
Investment Options
Asset Class
Risk Category
Share Class
3 Year
Uses Extended Performance
5 Year
Uses Extended Performance
10 Year
Uses Extended Performance
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A fund's investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. To obtain a prospectus go to the Fund Information tab. Please read the prospectus carefully before selecting your investment option(s).
Risk Category
The Risk Category was developed by Morningstar Associates, LLC using a quantitative methodology that considers 3-year standard deviation. The standard deviation is computed using the trailing monthly total returns for the 3-year time period. For Investments with less than 3 years of return history, Morningstar Associates LLC will calculate the 1 year standard deviation to determine its Risk Category. Investments with a newer share class having less than 1 year of trailing monthly return history, Morningstar Associates LLC will use the oldest share class (if available) to calculate its 3-year standard deviation based on extended performance. The Risk Category is provided for informational purposes only and does not constitute investment advice. The Risk Category is based on data available as of the end of the most recent calendar quarter and is subject to change without notice.
Although Morningstar Associates uses data that it deems reliable to create the Risk Category, it cannot guarantee the completeness, timeliness, or accuracy of such data. Morningstar Associates, LLC is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar is not affiliated with John Hancock.
Asset Class
Morningstar assigns categories to funds based on the fund's average holding statistics over the past three years. If the fund is new and has no history, Morningstar estimates where it will fall before giving it a more permanent category assignment. When necessary, Morningstar may change a category assignment based on recent changes to the fund.
All plan information is confidential and you agree to safeguard and protect such information in accordance with the standards required by law and use such information only for authorized plan administration purposes.
John Hancock Retirement Plan Services LLC and The Plan are not affiliated and neither is responsible for the liabilities of the other. "The Plan" is specified on the Participant Information page.
This information does not constitute legal or tax advice with respect to any taxpayer. It was neither written nor intended for use by any such taxpayer for the purpose of avoiding penalties, and it cannot be so used. If it is used or referred to in promoting, marketing, or recommending any transaction or matter addressed herein, it should be understood as having been written to support such promotion, marketing, or recommendation, and any taxpayer receiving it should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
John Hancock Retirement Plan Services LLC and Manulife Asset Management Trust Company (conducting business as "John Hancock Trust Company") service programs for retirement plans through which a sponsor or administrator of a plan may invest in mutual funds, ETFs and collective investment trusts on behalf of plan participants. Mutual funds, ETFs and collective investment trusts available through Fidelity Brokerage Services LLC ("Fidelity") have not been individually selected by John Hancock or Fidelity Investments. Administrative and recordkeeping services are provided by John Hancock Retirement Plan Services LLC. John Hancock Trust Company provides trust and custodial services. Securities products, when offered, are offered through John Hancock Distributors LLC, member FINRA/SIPC.
Fidelity Investments is an independent company, unaffiliated with any John Hancock company. Fidelity Investments is a service provider to John Hancock. There is no form of partnership, agency affiliation or similar relationship between your financial advisor and Fidelity Investments, nor is any such relationship created or implied by the information herein. Fidelity Investments has not been involved with the preparation of the content supplied and does not guarantee or assume any responsibility for its content. Fidelity Investments is a registered service mark of FMR LLC. Clearing, custody, or other brokerage services may be provided by National Financial Services LLC or Fidelity Brokerage Services LLC. 613925.1.0
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY
