Neither asset allocation nor diversification guarantees a profit or protects against a loss.
There is no guarantee that any investment strategy will achieve its objectives.
Past performance does not guarantee future results.
Collective investment trusts are privately offered. Information on this investment is not available in local publications.
Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to prevent fluctuations in their share prices. Although a portfolio will seek to maintain a stable value, there is a risk that it will not be able to do so, and participants may lose their investment if both the fund's investment portfolio and the wrapper provider fail.
All mutual funds are subject to market risk and will fluctuate in value.
It is your responsibility to select and monitor your investment options to meet your retirement objectives. You should review your investment strategy at least annually. You may also want to consult your own independent investment or tax advisor or legal counsel.
The content of this document is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.
John Hanco*ck Retirement Plan Services LLC offers administrative and/or recordkeeping services to sponsors and administrators of retirement plans. John Hanco*ck Trust Company LLC provides trust and custodial services to such plans. Group annuity contracts and recordkeeping agreements are issued by John Hanco*ck Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hanco*ck Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. Securities are offered through John Hanco*ck Distributors LLC, member FINRA, SIPC.
Securities are offered through John Hanco*ck Distributors LLC, member FINRA, SIPC. John Hanco*ck
Investment Management Distributors LLC is the principal underwriter and wholesale distribution broker dealer for the John Hanco*ck mutual funds, member FINRA, SIPC.
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