September 25, 2023
Target-date funds from John Hancock Investment Management
We believe a multi-asset investment approach is best suited to provide an appropriate level of diversification and risk-adjusted return potential that can help retirement savers pursue their long-term goals.
Expect more from your target-date funds
Now's the time to consider how much additional value your target-date funds offer. With John Hancock Investment Management, participants can gain access to multiple offerings, the benefits of one-stop shop, results for retirement, and expenses that can fit any plan's budget.
Effective February 1, 2023, the Multi-Index Lifetime suites are changed to the Lifetime Blend suites.
We offer flexible retirement saving options to give participants greater choice. Our Lifetime glide path addresses longevity risk that many participants face during retirement, and can be chosen within a mutual fund or collective investment trust vehicle.
We offer a range of funds managed by in-house and third-party managers giving investors ample choice through one investment platform.
Broad asset class analysis
Global manager oversight
Expert blending of distinct investment styles
Our approach is built on over 25 years of multi-asset investing and includes diversifying across multiple asset classes, using experienced managers globally, and applying both active and passive investment styles.
Results for retirement
Plan participants face numerous challenges in the search for higher-returning, lower-risk investment options. That's why our range of target-date funds helps empower fiduciaries in choosing an optimal option for their participants.
John Hancock Multimanager 2065 Lifetime Portfolio John Hancock Multimanager 2060 Lifetime Portfolio John Hancock Multimanager 2055 Lifetime Portfolio John Hancock Multimanager 2050 Lifetime Portfolio John Hancock Multimanager 2045 Lifetime Portfolio John Hancock Multimanager 2040 Lifetime Portfolio John Hancock Multimanager 2035 Lifetime Portfolio John Hancock Multimanager 2030 Lifetime Portfolio John Hancock Multimanager 2025 Lifetime Portfolio John Hancock Multimanager 2020 Lifetime Portfolio John Hancock Multimanager 2015 Lifetime Portfolio John Hancock Multimanager 2010 Lifetime Portfolio
Multimanager Lifetime Portfolios
Our Multimanager Lifetime Portfolios are one-stop retirement investments, emphasizing allocations to active asset class specialists.
John Hancock 2065 Lifetime Blend Portfolio John Hancock 2060 Lifetime Blend Portfolio John Hancock 2055 Lifetime Blend Portfolio John Hancock 2050 Lifetime Blend Portfolio John Hancock 2045 Lifetime Blend Portfolio John Hancock 2040 Lifetime Blend Portfolio John Hancock 2035 Lifetime Blend Portfolio John Hancock 2030 Lifetime Blend Portfolio John Hancock 2025 Lifetime Blend Portfolio John Hancock 2020 Lifetime Blend Portfolio John Hancock 2015 Lifetime Blend Portfolio John Hancock 2010 Lifetime Blend Portfolio
Lifetime Blend Portfolios
Our Lifetime Blend Portfolios are one-stop retirement investments, with a focus on low-cost implementation.
Expenses to fit your plan's budget
Despite expenses coming down in recent years, the average net expense ratio for target-date funds is 67 basis points.¹ Our expenses are below average for both our actively and passively implemented target-date funds.
Low expense ratios %
Total expense ratios are below average for both actively and passively implemented John Hancock target-date funds.
1 Morningstar, 2022. Average total expense of all open-end target-date funds that are tracked by Morningstar. For Class R6 shares, as of 12/31/22.
Market downturns can help target-date investors grow their retirement savings
Periods of market downturns are stressful for all investors; however, historical data shows that participants are often rewarded through higher long-term returns. Encouragingly, even participants retiring as markets enter a downturn have an opportunity to recoup losses.
Retiring into a challenging economy
To those just entering retirement, news of inflation, market volatility, rising interest rates, and the possibility of recession can be especially alarming. Here are tips to help feel better prepared.
A SECURE 2.0 summary of provisions, purpose, and timing
SECURE Act 2.0 of 2022 was signed into law on December 29, with policy changes that will affect both the administrators of and participants in qualified retirement plans and IRAs. We’ve put together a guide to help you navigate the provisions that may matter most to you.
September 19, 2023
September 4, 2023
Put our approach to work for you
Retirement plan advisors and sponsors: Ask a John Hancock Investment Management defined contribution investment only (DCIO) specialist for a detailed review of how John Hancock Multimanager Target-Date Portfolios can fit into your plan or practice.
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Request a prospectus or summary prospectus from your financial professional, by visiting jhinvestments.com. The prospectus includes investment objectives, risks, fees, expenses, and other information that you should consider carefully before investing.
Diversification does not guarantee a profit or eliminate the risk of a loss.
The target date is the expected year in which investors in a target-date portfolio plan to retire and no longer make contributions. The investment strategy of these portfolios is designed to become more conservative over time as the target date approaches (or, if applicable, passes) the target retirement date. Investors should examine the asset allocation of the portfolio to ensure it is consistent with their own risk tolerance. The principal value of your investment, as well as your potential rate of return, is not guaranteed at any time, including at, or after, the target retirement date.
The glide path is the asset allocation within a target-date strategy that adjusts over time as participants' age increases and their time horizon to retirement shortens. The basis of the glide path is to reduce the portfolio's chance of loss as the participants' time horizon decreases. The asset mix of each portfolio is based on a target date, which is the expected year in which participants in a portfolio plan to retire and no longer make contributions. A team of asset allocation professionals adjusts each portfolio's investments over time to ensure a noticeable and steady shift from equities to fixed income in the years leading to retirement or during retirement, if applicable. Investors should examine the asset allocation of the portfolio to ensure it is consistent with their own risk tolerance. In developing the glide path, it was assumed that participants would make ongoing contributions during the years leading up to retirement and stop making those contributions when the target date is reached. The principal value of your investment, as well as your potential rate of return, is not guaranteed at any time, including at, or after, the target retirement date.
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.
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John Hancock Retirement Plan Services LLC offers administrative and/or recordkeeping services to sponsors and administrators of retirement plans. John Hancock Trust Company LLC provides trust and custodial services to such plans. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.
John Hancock Investment Management Distributors LLC is the principal underwriter and wholesale distribution broker-dealer for the John Hancock mutual funds, member FINRA, SIPC.
NOT FDIC INSURED. MAY LOSE VALUE. NOT BANK GUARANTEED.