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The views and opinions expressed on this site attributable to John Hancock Investment Management (“John Hancock”), do not constitute investment advice or an offering of any products or services to specific users and is not an endorsement of any security, mutual fund, sector, or index. The comments and opinions posted by the user are the responsibility of that person and does not represent the views of John Hancock or its affiliates and are subject to change. Users should consult with a financial professional before making any investment decision.

This material does not constitute tax, legal, or accounting advice, and neither John Hancock nor any of its agents, employees, or registered representatives are in the business of offering such advice. It was not intended or written for use, and cannot be used, by any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisors.

Any performance data shown represents past performance, and does not guarantee future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth less or more than their original cost. Please visit jhinvestments.com for detailed performance information.

Diversification does not guarantee a profit or eliminate the risk of a loss.

Investing involves risk, including the potential loss of principal. The stock prices of midsize and small companies can change more frequently and dramatically than those of large companies. Growth stocks may be more susceptible to earnings disappointments, and value stocks may decline in price. Large company stocks could fall out of favor, and foreign investing, especially in emerging markets, has additional risks, such as currency and market volatility and political and social instability. A portfolio concentrated in one industry or sector or that holds a limited number of securities may fluctuate more than a diversified portfolio. Fixed-income investments are subject to interest-rate and credit risk; their value will normally decline as interest rates rise or if an issuer is unable to make principal or interest payments. Investments in higher-yielding, lower-rated securities include a higher risk of default.

John Hancock Investment Management a division of Manulife Investment Management (US) LLC (“John Hancock Investment Management”) is an indirect, wholly owned subsidiary of Manulife Financial Corporation (“Manulife”) and is affiliated with several US based and non-US based investment advisers which are also subsidiaries or affiliates of Manulife Financial. Collectively, John Hancock Investment Management and its advisory affiliates represent the diversified investment management division of Manulife and they provide comprehensive asset management solutions for investors. Certain of these companies within Manulife may provide services to John Hancock Investment Management.

ETFs
Shares of exchange-traded funds (ETFs) may trade at a premium or discount to their NAV in the secondary market, and an ETF’s holdings and returns may deviate from those of its index. These variations may be greater when markets are volatile or subject to unusual conditions. Errors in the construction or calculation of an ETF’s index may occur from time to time. Please see the ETFs’ prospectuses for additional risks.

Dimensional Fund Advisors LP receives compensation from John Hancock in connection with licensing rights to the John Hancock Dimensional indexes. Dimensional Fund Advisors LP does not sponsor, endorse, or sell, and makes no representation as to the advisability of investing in, John Hancock Multifactor ETFs.

Model portfolios
John Hancock Investment Management LLC and Manulife Investment Management (US) LLC are affiliated SEC-registered investment advisers utilizing the brand name John Hancock Investment Management.

Manulife Investment Management (US) LLC performs asset allocation for the models and other investment-related services. John Hancock Investment Management and its affiliates do not offer tax advice. Investors should consult with their tax advisor regarding their specific situation. Certain of the assumptions have been made for modeling purposes and are unlikely to be realized. No representation or warranty is made as to the reasonableness of the assumptions made or that all assumptions used in achieving the returns have been stated or fully considered. Model returns have many inherent limitations and may not reflect the impact that material economic and market factors may have had on the decision-making process if client funds were actually managed in the manner shown. Changes in the assumptions may have a material impact on the model returns presented; other periods selected may have different results, including losses. There can be no assurance that an account managed in accordance with the model will achieve profits or avoid incurring substantial losses. This portfolio is only available through investment professionals. Not all strategies may be available on all platforms, and fees and terms may vary. Past performance does not guarantee future results.