January 31, 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 gain access to multiple offerings, the benefits of open architecture, proven results for retirement, and expenses that can fit any plan's budget.
Would you like a comparison of your current target-date funds to ours?
We offer flexible retirement saving options to give participants greater choice. Our Lifetime glide path addresses longevity risk that many participants face during retirement, while our Preservation glide path is designed for investors whose main focus is risk mitigation.
- Designed to address longevity risk
- Equity allocation begins at 95%
- Reduced to 50% at retirement date; stabilizes at 25%, 20 years into retirement
- Uses a choice of actively managed or passive underlying investments
- Designed to support a 50% income replacement rate for 25 to 30 years in retirement
- Designed with a primary objective of risk mitigation
- Equity allocation begins at 82%; stabilizes at 8% at retirement
- Uses ETFs and low-cost asset allocation strategies to help minimize the impact of expenses on portfolio returns
We deliver three levels of diversification aimed at pursuing better outcomes for target-date fund investors.
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 the most optimal solution 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 Multi-Index 2065 Preservation Portfolio John Hancock Multi-Index 2060 Preservation Portfolio John Hancock Multi-Index 2055 Preservation Portfolio John Hancock Multi-Index 2050 Preservation Portfolio John Hancock Multi-Index 2045 Preservation Portfolio John Hancock Multi-Index 2040 Preservation Portfolio John Hancock Multi-Index 2035 Preservation Portfolio John Hancock Multi-Index 2030 Preservation Portfolio John Hancock Multi-Index 2025 Preservation Portfolio John Hancock Multi-Index Income Preservation Portfolio
Multi-Index Preservation Portfolios
Our Multi-Index Preservation Portfolios are one-stop retirement investments, with a focus on low-cost implementation and risk mitigation when it's needed most.
John Hancock Multi-Index 2065 Lifetime Portfolio John Hancock Multi-Index 2060 Lifetime Portfolio John Hancock Multi-Index 2055 Lifetime Portfolio John Hancock Multi-Index 2050 Lifetime Portfolio John Hancock Multi-Index 2045 Lifetime Portfolio John Hancock Multi-Index 2040 Lifetime Portfolio John Hancock Multi-Index 2035 Lifetime Portfolio John Hancock Multi-Index 2030 Lifetime Portfolio John Hancock Multi-Index 2025 Lifetime Portfolio John Hancock Multi-Index 2020 Lifetime Portfolio John Hancock Multi-Index 2015 Lifetime Portfolio John Hancock Multi-Index 2010 Lifetime Portfolio
Multi-Index Lifetime Portfolios
Our Multi-Index Lifetime 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 9/30/22.
Target-date solutions roundtable
Plan sponsors are reassessing the suitability of target-date solutions for participants in the context of inflation, rising interest rates, and slowing growth. Read the views of Nathan W. Thooft, CFA, chief investment officer and senior portfolio manager for the multi-asset solutions team at Manulife Investment Management,as he joins Pensions and Investments for a roundtable discussion on the topic.
Does your retirement target-date fund represent all major asset classes?
Our target-date funds focus on age-appropriate diversification. See how John Hancock Multi-Index Lifetime Portfolios can help plan participants invest for life.
Performance dynamics driving fiduciaries to multimanager target-date funds
As portfolio management has become increasingly specialized, no single investment firm can expect to excel in every asset category needed for a truly diversified portfolio. This goes for target-date funds, too, according to survey respondents. Fiduciaries directing plan participants to target-date funds dominated by manager concentration risk need to see our survey findings now.
Glide paths within the glide path
In this white paper, we go beyond the standard view of glide paths for target-date funds.
December 16, 2022
November 28, 2022
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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