When it comes to addressing the unprecedented challenges faced by today’s retirement savers, we believe a one-size-fits-all approach to your plan’s most important investment option just isn’t enough. Discover why our three series of target-date funds offer more ways for retirement savers to meet their goals.
Among sponsors considering changes to their plans, more than 65% believe their existing target-date funds may have a glide path that is unsuitable for all participants.2 That’s why we offer two.
More than 50% of all plans and nearly 70% of small plans still offer closed-architecture target-date funds run by their recordkeepers.4 Our target-date funds were rated #1 by top DC plan advisors for open architecture.1
Monitoring each portfolio team for the repeatability of its investment process and management of risk
Both within and beyond traditional equity and fixed income
Continual exposure to a variety of strategies, as different characteristics go in and out of favor
A diversity of approaches from some of the world’s best managers
Representative example for illustrative purposes only.
Representative list of asset managers as of 9/30/17. All logos are the property of their respective owners.
When it comes to retirement, we believe the most important performance benchmark is an investor’s long-term goal. That’s why we focus on pursuing strong risk-adjusted performance over the long term and on protecting against market risk when it matters most.
of our lifetime target-date portfolios are rated 4 or 5 stars by Morningstar
Among 522 target-date funds for the 10 years ended 9/30/17
John Hancock Multimanager Lifetime Portfolios
Among 1,557 target-date funds for the 3 years ended 9/30/177
John Hancock Multi-Index Lifetime Portfolios
John Hancock Multi-Index 2020 Preservation PortfolioAs of 9/30/17
Participation in up markets since inception
Participation in down markets since inception
Despite expenses coming down in recent years, the average net expense ratio for target-date funds is still 83 basis points. Our expenses are below average for both our actively and passively implemented target-date funds.8
U.S. target-date fund average
John Hancock Multimanager Lifetime Portfolio average10
John Hancock Multi-Index Lifetime Portfolio average10
John Hancock Multi-Index Preservation Portfolio average10
Retirement plan advisors and sponsors: Ask a John Hancock Investments retirement specialist for a detailed review of how John Hancock Multimanager Target-Date Portfolios can fit into your plan or practice.
Portfolio performance depends on the advisor's skill in determining asset class allocations, the mix of underlying funds, and the performance of those underlying funds. The underlying funds' performance may be lower than the performance of the asset class that they were selected to represent. The portfolio is subject to the same risks as the underlying funds and ETFs in which it invests: Stocks and bonds can decline due to adverse issuer, market, regulatory, or economic developments; foreign investing, especially in emerging markets, has additional risks, such as currency and market volatility and political and social instability; the securities of small companies are subject to higher volatility than those of larger, more established companies; and high-yield bonds are subject to additional risks, such as increased risk of default. Owning an ETF generally reflects the risks of owning the underlying securities it is designed to track, which may cause lack of liquidity, more volatility, and increased management fees. Hedging and other strategic transactions may increase volatility of a portfolio and could result in a significant loss. Each portfolio's name refers to the approximate retirement year of the investors for whom the portfolio's asset allocation strategy is designed. The portfolios with dates further off initially allocate more aggressively to stock funds. As a portfolio approaches or passes its target date, the allocation will gradually migrate to more conservative, fixed-income funds. The principal value of each portfolio is not guaranteed and you could lose money at any time, including at, or after, the target date. Liquidity—the extent to which a security may be sold or a derivative position closed without negatively affecting its market value, if at all—may be impaired by reduced trading volume, heightened volatility, rising interest rates, and other market conditions. Please see the portfolios' prospectuses for additional risks.