Investment Options

4 Investment Strategies. 1 Customized Solution — Yours.

Your investment timeframe. Your tolerance for risk. Your contribution amounts. We all have different criteria when it comes to college investing. That’s why John Hancock Freedom 529 gives you the freedom to choose the investment strategy that’s the right fit for you. You can use one or a combination of options depending on your needs. Work with your financial consultant to determine which strategy or combination of strategies will work best for you.

Option 1: Enrollment–Based Portfolios

Simply calculate the number of years until expected college enrollment, together with your Financial Consultant, choose a portfolio, and we’ll do the rest. The allocation continues to automatically rebalance to match the appropriate risk, becoming more conservative as the time for college enrollment approaches.

Portfolio 2033-2036 Portfolio 2029-2032
Portfolio 2025-2028 Portfolio 2021-2024
Portfolio 2017-2020 College Portfolio


• Option 2: Static Portfolios.

Offers an asset allocation that remains constant throughout your entire investment period. Choose from five portfolios, ranging from conservative to aggressive. Please note that not all Static Portfolios are available in all share classes.

    • Money Market Portfolio: Designed for conservative investors, those whose Beneficiary is nearing college enrollment, or those who wish to dollar cost average contributions into a different investment option over time, the Money Market Portfolio seeks to preserve investment principal with modest current income.

    • Short-Term Bond Portfolio: With a lower-risk investment approach, this portfolio invests in high-income, short-term bonds with the goal of preserving capital.

    • Fixed Income Portfolio: This portfolio reflects a lower-risk investment approach and seeks safety of principal while generating a reasonable level of return.

    • Equity Portfolio: Based on the understanding that the volatility of equity markets is accompanied by the greatest potential return, this all-equity portfolio invests in a broad range of mutual funds focused on both domestic and international equity markets.


    • Future Trends Portfolio: The most aggressive of the static portfolios, the Future Trends Portfolio invests in sector funds and is intended for investors with a longer investment horizon and higher risk tolerance.

• Option 3: Multimanager Lifestyle Portfolios

Select from three Multimanager Lifestyle portfolios based on your risk tolerance, each of which targets an asset allocation that remains constant for the entire term of the investment. These portfolios are similar to the Static portfolios but offer access to a broader number of managers, asset classes and investment styles.

  • Multimanager Lifestyle Growth 529 Portfolio: This portfolio invests 100% in the John Hancock Funds II Multimanager Lifestyle Growth Portfolio Class 5 which seeks long-term growth of capital. Current income is also a consideration. To pursue this goal, the fund invests in other underlying mutual funds. Normally, the fund invests approximately 80% of its assets in underlying funds which invest primarily in equity securities and approximately 20% in underlying funds which invest primarily in fixed-income securities.

  • Multimanager Lifestyle Balanced 529 Portfolio: This portfolio invests 100% in the John Hancock Funds II Multimanager Lifestyle Balanced Portfolio Class 5 which seeks to provide a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. To pursue this goal, the fund invests in other underlying mutual funds. Normally, the fund invests approximately 60% of its assets in underlying funds which invest primarily in equity securities, and approximately 40% in underlying funds which invest primarily in fixed-income securities.

  • Multimanager Lifestyle Moderate 529 Portfolio: This portfolio invests 100% in the John Hancock Funds II Multimanager Lifestyle Moderate Portfolio Class 5 which seeks to provide a balance between a high level of current income and growth of capital, with a greater emphasis on income. To pursue this goal, the fund invests in other underlying mutual funds. Normally, the fund invests approximately 40% of its assets in underlying funds which invest primarily in equity securities and approximately 60% in underlying funds which invest primarily in fixed-income securities.

• Option 4: Individual Portfolios

You can choose from eight individual portfolios to create your own portfolio strategy, or to complement your Enrollment-Based, Static, or Multimanager Lifestyle Portfolio selections.

  • International Value Portfolio: This portfolio invests exclusively in the John Hancock Funds II International Value Fund (subadvised by Templeton) which seeks to achieve long-term capital growth by investing at least 65% of its net assets in equity securities of companies located outside the United States, including in emerging markets.

  • New Horizons Portfolio: This portfolio invests exclusively in the T. Rowe Price New Horizons Fund which seeks to achieve long-term growth of capital by investing primarily in common stocks of small, rapidly growing companies, preferably early in the corporate lifecycle before a company becomes widely recognized. The fund may also invest in companies that offer the possibility of accelerated earnings growth due to rejuvenated management, new products, or structural changes in the economy. While most assets will be invested in U.S. stocks, the New Horizons Fund may also invest in foreign stocks, futures and options in keeping with the fund's investment objective.

  • Blue Chip Growth Portfolio : This portfolio invests exclusively in the T. Rowe Price Blue Chip Growth Fund. T. Rowe Price Blue Chip Growth Fund seeks to provide long-term capital growth. Income is a secondary objective. Its principal investment strategy is to invest at least 80% of net assets in the common stocks of large and medium-sized blue chip companies. These are firms that, in T. Rowe Price's view, are well-established in their industries and have the potential for above-average earnings growth.

  • Mid-Cap Value Portfolio: This portfolio invests exclusively in the T. Rowe Price Mid-Cap Value Fund. The T. Rowe Price Mid-Cap Value Fund seeks to provide long-term capital appreciation by investing primarily in mid-size companies that appear to be undervalued. The fund will invest at least 80% of net assets in companies whose market capitalization (number of shares outstanding multiplied by share price) falls within the range of the companies in the S&P Mid-Cap 400 Index or the Russell Mid-Cap Value Index. In taking a value approach to investment selection, the fund seeks to identify companies who stock prices do not appear to reflect their underlying values.

  • Capital Appreciation Portfolio: This portfolio invests exclusively in the John Hancock Funds II Capital Appreciation Fund (subadvised by Jennison) which seeks long term growth of capital by, under normal market conditions, investing at least 65% of its total assets in equity and equity-related securities of companies, at the time of investment, that exceed $1 billion in market capitalization and that the subadvisor believes have above-average growth prospects. These companies are generally medium- to large-capitalization companies.

  • Small-Cap Stock Portfolio : Small-Cap Stock Portfolio invests exclusively in the T. Rowe Price Small Cap Stock Fund. T. Rowe Price Small Cap Stock Fund seeks to provide long-term capital growth by investing at least 80% of net assets in stocks and equity-related securities of small companies. A small company is defined as having a market capitalization that falls (i) within the range of companies in the Russell 2000 Index or (ii) below the three year average maximum market cap of companies in the index as of December 31 for the three preceding years. The Russell 2000 Index is a widely used benchmark for small-cap stock performance. Stock selection may reflect either a growth or value investment approach.

  • American Mutual Portfolio: This portfolio invests exclusively in the American Mutual Fund F-1 which seeks to provide current income, capital growth and conservation of principal. The fund invests primarily in common stocks of larger, more established companies that have long records of increasing earnings and dividends, but may also invest in securities convertible into common stocks, non-convertible preferred stocks, U.S. government securities, or bonds rated A or better. The fund does not own securities of companies that derive the majority of their revenues from tobacco and/or alcohol.

  • Equity Income Portfolio: This portfolio invests exclusively in the T. Rowe Price Equity Income Fund which seeks to provide substantial dividend income as well as long-term capital appreciation through investments in common stocks of established companies. The fund's strategy is to invest at least 80% of net assets in common stocks, with 65% in the common stocks of well-established companies paying above-average dividends, with favorable prospects for both increasing dividends and capital appreciation.

A smart strategy for managing market risk.

You can also take advantage of an investment strategy designed to help you smooth out market fluctuations — Dollar Cost Averaging
(DCA)1. With DCA, you invest fixed amounts at regular intervals, allowing you to purchase more units when prices are low and fewer when prices are high.

1Dollar Cost Averaging (DCA) does not ensure a profit against loss in declining markets. Since DCA involves continued investment in securities regardless of fluctuating price levels of such securities, a purchaser should consider his/her ability to continue such purchases through periods of lower levels of market performance. If DCA is not elected when the plan is established, and is elected at a later date, it will count toward the IRS mandated one-time per calendar year investment change.



John Hancock Freedom 529 is distributed by John Hancock Distributors LLC, which is an affiliate of John Hancock Funds LLC, the distributor of John Hancock Investments.

If your state or your designated Beneficiary's state offers a 529 plan you may want to consider what, if any, potential state income tax or other benefits it offers, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. Please consult with your financial, tax or other advisor about how these state benefits, if any, may apply to your specific circumstances. You may also contact your state 529 plan or any other 529 college savings plan to learn more about their features. Please contact your financial consultant or call 866-222-7498 to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. The Plan Disclosure Document contains complete details on investment objectives, risks, fees, charges and expenses, as well as more information about municipal fund securities and the underlying investment companies that should be considered before investing. Please read the Plan Disclosure Document carefully prior to investing.

John Hancock Freedom 529 is a college savings plan offered by the Education Trust of Alaska, managed by T. Rowe Price, and distributed by John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC. John Hancock Distributors LLC is a member of FINRA and is listed with the Municipal Securities Rulemaking Board (MSRB). © 2017. John Hancock. All rights reserved.

529 plans are not FDIC insured, may lose value and are not bank or state guaranteed.

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