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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.
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.
We believe target-date funds should take a more granular approach to accessing opportunities across the asset class spectrum. In our view, investors can no longer rely on traditional equity and government bonds as the only key sources of diversification and return potential. With our risk-aware focus, coupled with our depth of expertise in multi-asset strategies, we seek to give investors comprehensive solutions for pursuing the capital growth necessary to generate income in retirement.
We believe no one manager can be the best at everything. Our deliberate open-architecture approach allows us to combine a deep history of managing multi-asset and income solutions for participants, with finding some of the best managers across select asset classes and investment styles. The results are robust target-date fund solutions suited to today’s investing environment.
We believe investors should have access to both passive and active investment approaches. Within certain asset classes, there are benefits to using one style over another. Our target-date approaches have the flexibility to combine lower-cost, passive strategies that have broad market exposure together with actively managed strategies where we believe they can be most effective.
Source: John Hancock Investment Management, as of 6/30/22. For illustrative purposes only.
Our Multimanager Lifetime Portfolios are one-stop retirement investments, emphasizing allocations to active asset class specialists.
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.
Our Multi-Index Lifetime Portfolios are one-stop retirement investments, with a focus on low-cost implementation.
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.
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 6/30/22.
Our target-date funds focus on age-appropriate diversification. See how John Hancock Multi-Index Lifetime Portfolios can help plan participants invest for life.
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.
In this white paper, we go beyond the standard view of glide paths for target-date funds.
September 29, 2022
August 26, 2022
July 18, 2022
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.
© 2022 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.
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