SAMPLE. Investment Comparative Chart The ABC 401(k) Plan. PART I: Performance Information. As of September 30, 2012
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1 Investment Comparative Chart The ABC 401(k) Plan As of September 30, 2012 This document includes important information to help you compare the investment options under your retirement plan. A glossary of investment related terms is also available at OBTAINING ADDITIONAL INFORMATION: If you would like additional information (including more current performance data) about your investment options, you can go to the specific Internet website address shown below or you can contact John Smith at This information is also available on the John Hancock website at Once registered on the website, you may also elect to receive this type of future plan and investment information disclosure electronically. Visit to provide us with your preferred address and authorization. PART I: Performance Information The table below focuses on the performance of investment options that do not have a fixed or stated rate of return. The table shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about an option s principal risks is available by accessing the website address associated with each fund, as listed below. The performance data presented represents past performance and current performance may be lower or higher than the performance quoted. An investment in a fund will fluctuate in value and when redeemed, may be worth more or less than original cost. Performance does not reflect any applicable plan level or certain participant level charges, or any redemption Note: Disclosure notices include the annual "Important Plan Information", "Investment Comparative Chart" and other participant fee disclosures. If you select electronic delivery, you may request a paper copy of these notices or the information available on the website free of charge by contacting your Plan Administrator: John Smith, 123 Any Road, Any City, MA 12345, In addition, you may withdraw your consent to electronic delivery, change your address, or view the minimum system requirements necessary to access your electronic regulatory notices at any time by visiting DOCUMENT SUMMARY Part I consists of performance information for your plan s designated investment alternatives (also referred to as investment options). This part shows you how well the investments have performed in the past. Part II shows you the fees and expenses you will pay if you invest in an option. fees imposed by the mutual fund company. These charges, if included, would otherwise reduce the total return for your account. The Average Annual Total Returns of the investment options available under your qualified plan represent the returns earned for the stated periods and are calculated after accounting for the Total Annual Operating Expenses, as shown in Part II of this document. These charges, if included, would otherwise reduce the total return for a participant s account. Benchmark returns are shown for comparative purposes only. Benchmark returns represent the performance of market indices, which cannot be invested in directly. These returns are calculated without taking into account any investment fees and/or expenses.
2 VARIABLE RETURN INVESTMENTS Name/Ticker/Morningstar Category Am. Funds Cap. World Gro. & Inc. Fund (R6) (RWIGX) World Stock Return (%) as of 1mth 3mth YTD Benchmark Return (%) as of Medium/High Risk 05/01/ % 6.94% 14.82% 22.81% 1.17% 11.00% 13.62% 20.98% 2.07% 8.61% 14.41% MSCI AC World NR Index American Funds EuroPacific Growth Fund (R6) (RERGX) Medium/High Risk 05/01/ % 7.34% 13.24% 18.44% 1.99% 10.40% 11.91% 15.04% 3.67% 10.32% 12.53% MSCI AC World Ex USA GR Index Columbia Mid Cap Value Opportunity Fund (A) (AMVAX) Medium/High Risk 02/14/ % 4.79% 12.63% 26.18% 1.00% 11.11% 7.95% 29.28% 1.73% 10.96% 8.42% Mid Cap Value Russell Mid Cap Value Index Columbia Seligman Commun. & Info. Fund (A) (SLMCX) Medium/High Risk 06/23/ % 1.53% 9.12% 18.10% 3.65% 12.49% 12.76% 26.74% 3.89% 11.86% N/A Technology S&P North American Technology Index Davis Financial Fund (A) (RPFGX) Medium Risk 05/01/ % 4.45% 14.87% 22.66% 3.27% 6.41% 11.20% 30.20% 1.05% 8.01% 8.62% Financial Fidelity Advisor Small Cap Value Fund (T) (FCVTX) Medium/High Risk 11/03/ % 3.41% 12.17% 31.74% 4.04% N/A 8.48% 32.63% 1.35% N/A 5.01% Small Value Russell 2000 Value Index Fidelity Contrafund (FCNTX) Medium Risk 05/17/ % 6.51% 18.13% 27.91% 2.81% 9.99% 12.27% 30.20% 1.05% 8.01% N/A Large Growth Fidelity Overseas Fund (FOSFX) Medium/High Risk 12/04/ % 8.12% 17.22% 24.16% 7.02% 7.50% 9.85% 13.75% 5.24% 8.20% 9.00% MSCI EAFE NR Index Franklin Natural Resources Fund (A) (FRNRX) Higher Risk 06/05/ % 10.11% 3.02% 12.77% 1.64% 13.23% 10.13% 30.20% 1.05% 8.01% 7.85% Natural Resources Franklin Small Cap Growth Fund (A) (FSGRX) Medium/High Risk 05/01/ % 1.85% 8.97% 25.40% 3.38% 10.54% 4.55% 30.20% 1.05% 8.01% 1.75% Small Growth J Hancock Lifestyle Aggressive Portfolio (R3) (JRLAX) Large Blend 10/17/ % 5.73% 12.94% 22.22% 1.81% N/A 3.12% 30.20% 1.05% N/A 4.99%
3 Name/Ticker/Morningstar Category J Hancock Lifestyle Balanced Portfolio (R3) (JRLBX) Moderate Allocation J Hancock Lifestyle Conserv. Portfolio (R3) (JRLCX) J Hancock Lifestyle Growth Portfolio (R3) (JRLGX) Aggressive Allocation J Hancock Lifestyle Moderate Portfolio (R3) (JRLMX) J Hancock Retirement Living 2010 Fund (R1) (JLADX) Target J Hancock Retirement Living 2015 Fund (R1) (JLBDX) Target J Hancock Retirement Living 2020 Fund (R1) (JLDDX) Target J Hancock Retirement Living 2025 Fund (R1) (JLEDX) Target J Hancock Retirement Living 2030 Fund (R1) (JLFDX) Target J Hancock Retirement Living 2035 Fund (R1) (JLHDX) Target J Hancock Retirement Living 2040 Fund (R1) (JLIDX) Target J Hancock Retirement Living 2045 Fund (R1) (JLJDX) Target Return (%) as of 1mth 3mth YTD Benchmark Return (%) as of 10/17/ % 4.89% 11.35% 18.21% 1.68% N/A 4.54% 30.20% 1.05% N/A 4.99% 10/17/ % 3.47% 8.35% 12.18% 4.71% N/A 5.36% 30.20% 1.05% N/A 4.99% 10/17/ % 5.41% 12.47% 20.93% 0.12% N/A 3.88% 30.20% 1.05% N/A 4.99% 10/17/ % 4.21% 9.91% 15.02% 3.37% N/A 5.03% 30.20% 1.05% N/A 4.99% 10/30/ % 4.49% 10.45% 17.16% 2.02% N/A 3.42% 30.20% 1.05% N/A 2.96% 10/30/ % 4.65% 10.96% 18.38% 1.25% N/A 3.06% 30.20% 1.05% N/A 2.96% 10/30/ % 5.05% 11.61% 20.00% 0.55% N/A 2.72% 30.20% 1.05% N/A 2.96% 10/30/ % 5.32% 12.22% 21.32% 0.21% N/A 2.22% 30.20% 1.05% N/A 2.96% 10/30/ % 5.45% 12.53% 22.22% 0.70% N/A 1.93% 30.20% 1.05% N/A 2.96% 10/30/ % 5.61% 12.76% 22.68% 0.74% N/A 2.04% 30.20% 1.05% N/A 2.96% 10/30/ % 5.74% 12.81% 22.74% 0.74% N/A 2.05% 30.20% 1.05% N/A 2.96% 10/30/ % 5.64% 12.82% 22.62% 0.79% N/A 2.02% 30.20% 1.05% N/A 2.96%
4 Name/Ticker/Morningstar Category MFS Utilities Fund (A) (MMUFX) Utilities Return (%) as of 1mth 3mth YTD Benchmark Return (%) as of Medium Risk 02/14/ % 6.23% 11.40% 20.85% 3.24% 15.56% 11.66% 30.20% 1.05% 8.01% 8.40% Oakmark Global Fund (I) (OAKGX) Medium/High Risk 08/04/ % 2.27% 8.91% 14.99% 1.58% 11.06% 9.69% 21.59% 2.15% 8.04% 2.28% World Stock MSCI World NR Index Oakmark International Fund (I) (OAKIX) Medium/High Risk 09/30/ % 8.18% 13.53% 17.40% 0.11% 10.75% 9.80% 13.76% 4.84% 8.66% 5.86% MSCI World Ex USA NR Index Oppenheimer Developing Markets Fund (Y) (ODVYX) Medium/High Risk 09/07/ % 7.18% 15.95% 20.59% 3.67% 21.15% 12.52% 16.93% 1.28% 17.00% 9.37% Diversified Emerging Mkts MSCI Emerging Markets NR Index Oppenheimer International Growth Fund (Y) (OIGYX) Medium/High Risk 09/07/ % 8.14% 14.58% 20.15% 0.66% 12.41% 6.37% 13.75% 5.24% 8.20% 1.99% Foreign Large Growth MSCI EAFE NR Index Prudential Jennison Mid Cap Growth Fund (Z) (PEGZX) Medium Risk 12/31/ % 4.80% 16.08% 28.54% 4.91% 13.80% 9.95% 26.69% 2.54% 11.11% 7.08% Mid Cap Growth Russell Mid Cap Growth Index T. Rowe Price Health Sciences Fund (PRHSX) Medium Risk 12/29/ % 8.36% 35.25% 47.93% 11.20% 14.69% 13.21% 30.20% 1.05% 8.01% 7.14% Health T. Rowe Price Pers. Strategy Balanced Fund (TRPBX) Medium Risk 07/29/ % 5.85% 13.07% 21.38% 3.51% 8.60% 8.51% 16.88% 3.40% 8.37% N/A Moderate Allocation Morningstar Moderate Target Risk Index T. Rowe Price Personal Strategy Growth Fund (TRSGX) Aggressive Allocation T. Rowe Price Personal Strategy Income Fund (PRSIX) Medium Risk 07/29/ % 6.72% 14.98% 25.28% 1.73% 8.89% 8.81% 20.42% 2.04% 9.20% N/A Morningstar Moderately Aggressive Target Risk Index Medium Risk 07/29/ % 4.80% 10.71% 16.98% 4.45% 7.68% 7.87% 13.15% 4.33% 7.20% N/A Morningstar Moderately Conservative Target Risk Index Vanguard 500 Index Fund (Sig) (VIFSX) Medium Risk 09/29/ % 6.34% 16.42% 30.17% 1.07% 7.96% 3.48% 30.20% 1.05% 8.01% 3.47% Large Blend
5 Name/Ticker/Morningstar Category Return (%) as of Average Annual Total Return (%) as of 1mth 3mth YTD Benchmark Return (%) as of Wells Fargo Adv. Common Stock Fund (A) (SCSAX) Mid Cap Growth Medium/High Risk 11/30/ % 8.23% 14.49% 31.90% 4.39% 12.02% 7.42% 30.93% 2.80% 10.86% 7.59% Russell 2500 Index Name/Ticker/Morningstar Category Bond Federated Total Return Bond Fund (A) (TLRAX) Intermediate Term Bond Return (%) as of 1mth 3mth YTD Benchmark Return (%) as of Lower Risk 08/16/ % 2.28% 5.45% 6.25% 6.48% 5.32% 5.50% 5.16% 6.53% 5.32% 5.74% Barclays U.S. Aggregate Bond Index John Hancock Strategic Income Opportunities Fund I (JIPIX) Low/Medium Risk 12/31/ % 3.52% 9.20% 14.40% 9.26% N/A 9.48% 5.16% 6.53% N/A 6.69% Multisector Bond Barclays U.S. Aggregate Bond Index PIMCO Real Return Fund (R) (PRRRX) Low/Medium Risk 12/31/ % 2.41% 7.65% 10.32% 8.06% 6.38% 6.47% 9.10% 7.93% 6.64% 6.75% Inflation Protected Bond Barclays U.S. Treasury TIPS Index Templeton Global Bond Fund (A) (TPINX) Medium Risk 09/18/ % 5.32% 11.62% 12.92% 9.47% 10.95% 8.41% 3.29% 6.45% 6.71% 7.25% World Bond Citigroup World Government Bond Index Name/Ticker/Morningstar Category Other Wells Fargo Stable Return Fund (30) (WF004) Stable Value PART II: Fee & Expense Information Return (%) as of 1mth 3mth YTD Benchmark Return (%) as of Lower Risk 10/01/ % 0.43% 1.35% 1.85% 2.98% 3.68% 5.82% 0.70% 3.48% 2.92% N/A U.S. Treasury Bill Constant Maturity Rate 3 Year Index This section shows fee and expense information for the investment options listed above. Below you will find the Total Annual Operating Expenses and Shareholder Type fees (if applicable) as they relate to each investment option. Total Annual Operating Expenses are expenses that reduce the rate of return of the investment option. It is important to understand that the investment rate of return, as set out in the Performance Information section, is calculated net of the Total Annual Operating Expenses of the investment option. However, such returns do not take into account any applicable Shareholder Type fees, which are in addition to the Total Annual Operating Expenses of the investment option.
6 Total Annual Operating Expenses do not reflect any fee waivers or reimbursements that may be in effect for a fund at the time the expenses are calculated. Total Annual Operating Expenses include any applicable fee waivers or reimbursements that are in effect for a fund at the time the expenses are calculated. Fee waivers and reimbursements may be subjected to expiration. Please see the fund prospectus and/or fund fact sheet for more information regarding any fee waivers or reimbursements applicable to that fund. retirement savings. Visit the Department of Labor s website for an example showing the long term effect of fees and expenses at Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals. The cumulative effect of fees and expenses can substantially reduce the growth of your Total Annual Operating Expenses as of Name/Ticker/Morningstar Category As a % Per $1,000 As a % Per $1,000 Shareholder Type Fees Am. Funds Cap. World Gro. & Inc. Fund (R6) (RWIGX) World Stock Medium/High Risk 0.45% $ % $4.50 American Funds EuroPacific Growth Fund (R6) (RERGX) Columbia Mid Cap Value Opportunity Fund (A) (AMVAX) Mid Cap Value Columbia Seligman Commun. & Info. Fund (A) (SLMCX) Technology Davis Financial Fund (A) (RPFGX) Financial Fidelity Advisor Small Cap Value Fund (T) (FCVTX) Small Value Fidelity Contrafund (FCNTX) Large Growth Fidelity Overseas Fund (FOSFX) Franklin Natural Resources Fund (A) (FRNRX) Natural Resources Franklin Small Cap Growth Fund (A) (FSGRX) Small Growth J Hancock Lifestyle Aggressive Portfolio (R3) (JRLAX) Large Blend J Hancock Lifestyle Balanced Portfolio (R3) (JRLBX) Moderate Allocation J Hancock Lifestyle Conserv. Portfolio (R3) (JRLCX) J Hancock Lifestyle Growth Portfolio (R3) (JRLGX) Aggressive Allocation Medium/High Risk 0.50% $ % $5.00 Medium/High Risk 1.24% $ % $11.80 Medium/High Risk 1.35% $ % $13.50 Medium Risk 0.91% $ % $9.10 Medium/High Risk 1.67% $ % $16.70 Medium Risk 0.81% $ % $8.10 Medium/High Risk 0.73% $ % $7.30 Higher Risk 1.03% $ % $10.30 Medium/High Risk 1.37% $ % $ % $ % $ % $ % $ % $ % $ % $ % $16.70 Sales charge: 4.75% Redemption fee: 1.50% for sales within 90 days of purchase Sales charge: 3.50% Redemption fee: 1.00% for sales within 30 days of purchase
7 Total Annual Operating Expenses as of Name/Ticker/Morningstar Category As a % Per $1,000 As a % Per $1,000 Shareholder Type Fees J Hancock Lifestyle Moderate Portfolio (R3) (JRLMX) 1.66% $ % $16.60 J Hancock Retirement Living 2010 Fund (R1) (JLADX) Target J Hancock Retirement Living 2015 Fund (R1) (JLBDX) Target J Hancock Retirement Living 2020 Fund (R1) (JLDDX) Target J Hancock Retirement Living 2025 Fund (R1) (JLEDX) Target J Hancock Retirement Living 2030 Fund (R1) (JLFDX) Target J Hancock Retirement Living 2035 Fund (R1) (JLHDX) Target J Hancock Retirement Living 2040 Fund (R1) (JLIDX) Target J Hancock Retirement Living 2045 Fund (R1) (JLJDX) Target MFS Utilities Fund (A) (MMUFX) Utilities Oakmark Global Fund (I) (OAKGX) World Stock Oakmark International Fund (I) (OAKIX) Oppenheimer Developing Markets Fund (Y) (ODVYX) Diversified Emerging Mkts Oppenheimer International Growth Fund (Y) (OIGYX) Foreign Large Growth Prudential Jennison Mid Cap Growth Fund (Z) (PEGZX) Mid Cap Growth T. Rowe Price Health Sciences Fund (PRHSX) Health T. Rowe Price Pers. Strategy Balanced Fund (TRPBX) Moderate Allocation T. Rowe Price Personal Strategy Growth Fund (TRSGX) Aggressive Allocation 5.16% $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $ % $16.00 Medium Risk 1.04% $ % $10.40 Medium/High Risk 1.16% $ % $11.60 Medium/High Risk 1.06% $ % $10.60 Medium/High Risk 1.00% $ % $10.00 Medium/High Risk 0.91% $ % $8.70 Medium Risk 0.79% $ % $7.90 Medium Risk 0.82% $ % $8.20 Medium Risk 0.86% $ % $7.60 Medium Risk 0.91% $ % $8.40 Redemption fee: 2.00% for sales within 90 days of purchase Redemption fee: 2.00% for sales within 90 days of purchase
8 Total Annual Operating Expenses as of Name/Ticker/Morningstar Category As a % Per $1,000 As a % Per $1,000 Shareholder Type Fees T. Rowe Price Personal Strategy Income Fund (PRSIX) Medium Risk 0.77% $ % $6.40 Vanguard 500 Index Fund (Sig) (VIFSX) Large Blend Wells Fargo Adv. Common Stock Fund (A) (SCSAX) Mid Cap Growth Medium Risk 0.05% $ % $0.50 Medium/High Risk 1.31% $ % $12.70 Total Annual Operating Expenses as of Name/Ticker/Morningstar Category As a % Per $1,000 As a % Per $1,000 Shareholder Type Fees Bond Federated Total Return Bond Fund (A) (TLRAX) Lower Risk 1.02% $ % $9.10 Intermediate Term Bond Sales charge: 4.50% John Hancock Strategic Income Opportunities Fund I (JIPIX) Multisector Bond PIMCO Real Return Fund (R) (PRRRX) Inflation Protected Bond Templeton Global Bond Fund (A) (TPINX) World Bond Low/Medium Risk 0.87% $ % $8.70 Low/Medium Risk 1.12% $ % $11.00 Medium Risk 0.90% $ % $8.90 Total Annual Operating Expenses as of Sales charge: 4.25% Name/Ticker/Morningstar Category As a % Per $1,000 As a % Per $1,000 Shareholder Type Fees Other Wells Fargo Stable Return Fund (30) (WF004) Stable Value Lower Risk 0.49% $ % $4.90 International There are special risks associated with foreign investments, including fluctuations in exchange rates and political or economic uncertainty. These risks are magnified in emerging markets. Small cap Stocks of smaller companies are often more volatile and less liquid than stocks of larger companies. Government An investment in this fund is neither insured nor guaranteed by the U.S. government. Non diversified By owning a smaller number of investments, the Fund's risk is increased because each investment has a greater effect on the Fund's performance. Alternative funds Long short funds hold sizable investments in long and short positions in equities and related derivatives. By owning a smaller number of investments, the Fund's risk is increased because each investment has a greater effect on the Fund's performance. Bear market funds invest in short positions and derivatives in order to profit from stocks that drop in price. By owning a smaller number of investments, the Fund's risk is increased because each investment has a greater effect on the Fund's performance. Managed futures funds invest primarily in global futures, options, swaps, and foreign exchange contracts. By owning a smaller number of investments, the Fund's risk is increased
9 because each investment has a greater effect on the Fund's performance. High Yield Bonds High yield bond portfolios concentrate on lower quality bonds, commonly referred to as "junk" bonds. High yield funds are subject to greater market fluctuations and greater risk of loss of income and principal than higher quality bonds and are subject to liquidity risk. By owning a smaller number of investments, the Fund's risk is increased because each investment has a greater effect on the Fund's performance. Sector funds Real estate portfolios invest primarily in real estate investment trusts (REITs) companies that develop and manage real estate properties. Funds that invest in one industry are likely to be more volatile than funds that are more diversified. Health portfolios invest primarily in securities of companies in the medical and health care industries. Funds that invest in one industry are likely to be more volatile than funds that are more diversified. Natural resources portfolios focus on commodity based industries such as energy, chemicals, minerals, and forest products. Funds that invest in one industry are likely to be more volatile than funds that are more diversified. Technology portfolios invest in securities of high tech companies, primarily in the computer, semiconductor, software, networking, and internet industries. Funds that invest in one industry are likely to be more volatile than funds that are more diversified. By owning a smaller number of investments, the Fund's risk is increased because each investment has a greater effect on the Fund's performance. Risk Based Conservative allocation portfolios typically invest 20% to 50% of assets in equities and 50% to 80% of assets in fixed income and cash. Moderate allocation portfolios typically invest 50% to 70% of assets in equities and the remainder in fixed income and cash. Aggressive allocation portfolios typically invest 70% to 90% of assets in equities and the remainder in fixed income and cash. Target date funds Investments in target date funds are subject to the risks of their underlying funds. The year in the target date fund name refers to the approximate year when an investor would retire and leave the work force. Target date funds gradually shift emphasis from more aggressive investments to more conservative investments based on the target date. Investments in target date funds are not guaranteed at any time, including on or after the target date. This information was prepared by Newkirk Products, Inc. and is intended for distribution to retirement plans only. Copyright 2012 Morningstar, Inc. and Newkirk Products, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers or to Newkirk; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Newkirk nor Morningstar and its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
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