Target-date funds from John Hancock Investment Management
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.
Ranked #1 by top DC plan advisors for open architecture¹
- John Hancock Multimanager Lifetime Portfolios
- John Hancock Multi-Index Lifetime Portfolios
- John Hancock Multi-Index Preservation Portfolios
Multiple glide paths
More than 75% of plan sponsors evaluated the glide path suitability of existing target date for their participants among those who took target-date fund action with their plan.² That’s why we offer two.
Our method delivers three kinds of diversification to shareholders of our asset allocation portfolios
- Fund oversight—John Hancock Investment Management’s open-architecture approach oversees the complete selection and allocation process. To supplement our investment expertise, we scour the world for managers for different portfolio components and then adjust those components over time based on risk, expected returns, correlation, and manager performance.
- Multiple asset classes—Our managers allocate to various asset classes but can add new ones based on expected returns and portfolio fit. Our analysis seeks attractive multi-year expected returns and opportunities from market dislocations.
- Multiple managers—Our open-architecture approach identifies management teams specializing in distinct asset classes and styles, based on a proven record, experienced team, and repeatable process. We then monitor those teams to ensure they adhere to their mandates.
- Distinct styles—We adjust style blends to modify risk over time while seeking to enhance returns, preserve capital, and manage longevity exposure.
Source: John Hancock Investment Management, as of 12/31/21. For illustrative purposes only.
Seeking to protect in down markets with our preservation portfolios³
Explore our target-date funds⁴
When it comes to addressing challenges faced by today’s retirement savers, we believe a one-size-fits-all approach to target-date funds isn't enough. That’s why our three distinct target-date fund suites empower plan fiduciaries to choose the one that serves their participants best.
Expenses to fit your plan's budget
Despite expenses coming down in recent years, the average net expense ratio for target-date funds is 71 basis points. Our expenses are below average for both our actively and passively implemented target-date funds.
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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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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- “2020 Defined Contribution Trends,” Callan Institute Survey, 2020.
- Based on the period from inception to 12/31/21. 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.
- 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 future results.
- Morningstar, 2022. 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.