Target-date funds from John Hancock Investment Management

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

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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1. The #1 ranking is for John Hancock Multimanager Lifetime Portfolios and is based on a survey of 249 advisors conducted by Market Strategies International in February 2019.
2.  “2020 Defined Contribution Trends,” Callan Institute Survey, 2020.
3. Based on the period from inception to 3/31/21. Upside capture ratio measures a manager’s performance in up markets relative to the market itself. Downside capture ratio measures a manager’s performance in down markets relative to the market itself.
4. Ranked by Morningstar as 3/31/21 out of 715 and 1,457 target-date funds, respectively. The Multimanager Lifetime Portfolios ranked 25 out of 122, 25 out of 121, 23 out of 123, 19 out of 121, 20 out of 129, 23 out of 99 for the 10-year period. The Multi-Index Lifetime Portfolios ranked 54 out of 123, 53 out of 166, 50 out of 194, 44 out of 170, 38 out of 174, 37 out of 170, 32 out of 174, 25 out of 175, 40 out of 131 for the 5-year period. Rankings are based on total return and do not account for sales charges. The funds’ absolute peer ranking may not be available for all time periods. Morningstar does not calculate an absolute peer ranking when a fund’s performance has been linked to a preexisting share class. Based on the period from inception to 12/31/20. Upside capture ratio measures a manager’s performance in up markets relative to the market itself. Downside capture ratio measures a manager’s performance in down markets relative to the market itself. Past performance does not guarantee futirefuture results. 
5. Morningstar, 2021. This is the average total expense ratio of all open-end target-date funds that are tracked by Morningstar. Average total expense ratio shown is for John Hancock funds Class R6.

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