Your guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan
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- Myron Lester
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1 Your guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan John Hancock Retirement Plan Services, LLC and Farm Credit Foundations are not affiliated and neither is responsible for the liabilities of the other.
2 Your employer is committed to providing a high-quality investment line up to Farm Credit Foundations Defined Contribution/401(k) Plan participants. Consistent with this objective, The Farm Credit Foundations Trust Committee continually reviews the investment menu to ensure it provides high-quality, diversified investment opportunities at reasonable expenses. As part of this ongoing process, the Farm Credit Foundations Trust Committee recently decided to make certain changes to the investment line up, which will be effective in June These changes are intended to: streamline the investment option menu while continuing to offer diversified investment choices; introduce greater diversification within the US large cap stock and international stock options by combining complementary investment funds (including some already used in the Plan) with different investment styles; reduce your expenses for certain investment options; and continue to allow you to tailor an investment strategy appropriate for your unique risk/return objectives. QUESTIONS? Please contact the John Hancock Retirement Plan Services (JHRPS) Participant Service Center at Our representatives are available from 8:00 a.m. to 10:00 p.m. Eastern time (ET) on New York Stock Exchange business days. (For your protection, all calls to the Participant Service Center are recorded.)
3 This brochure includes an overview of the investment option changes and how these changes may impact you. Please take some time to read through this information carefully to ensure you re making the most of your Plan. For more information regarding the specific investment options, please refer to the fund fact sheets included in this package. When are changes happening? Effective June 27, 2018, we will be adding funds to the Plan. Effective June 29, 2018, we will be removing funds from the Plan and transferring the investments as shown within the details of this booklet. Please see page 3 for details and any action you may want to consider. Why this change is happening? This change is the result of a review by The Farm Credit Foundations Trust Committee. The Committee continually reviews the investment menu to ensure the Plan provides high-quality, diversified investment opportunities at reasonable expenses. What s not changing? The 401(k) plan will continue to offer: passive and active funds; conservative, moderate, and aggressive funds; investment help options; and low cost administrative and investment management fees, e.g. the Vanguard target date funds in the Plan have a 0.07% (7 basis points) investment management fee versus a retail Vanguard Target Date fund of 0.13% (13 basis points). WINNER OF THE 2018 BEST IN CLASS 401(k) PLAN DESIGNATION We are proud to announce that PLANSPONSOR Magazine recently awarded the Farm Credit Foundations Plan with the 2018 Best in Class 401(k) Plan designation! 2
4 Changes to your investment options New investment options are being added The following new investment option will be added to the Plan effective June 27, Fund name /Share class Expense ratio % FCF US Large Cap Stock Fund 0.36 FCF International Stock Fund 0.66 Vanguard Target Retirement 2065 Trust I 0.07 Investment options are being replaced Effective June 29, 2018, we will be removing funds from the Plan and transferring the investments as shown in the following table (represents only a share class change for the target date funds) Existing balances and future investment elections in these investment options Will be moved to these investment options Vanguard Target Retirement Trust I Funds Year of Birth Schedule Fund type Expense ratio % Fund Name / Share Class Fund Name / Share Class Age-appropriate for this year of birth Vanguard Target Retirement Income Trust II Vanguard Target Retirement Income Trust I On or before 1949 Separate Account 0.07 Vanguard Target Retirement 2015 Trust II Vanguard Target Retirement 2015 Trust I Separate Account 0.07 Vanguard Target Retirement 2020 Trust II Vanguard Target Retirement 2020 Trust I Separate Account 0.07 Vanguard Target Retirement 2025 Trust II Vanguard Target Retirement 2025 Trust I Separate Account 0.07 Vanguard Target Retirement 2030 Trust II Vanguard Target Retirement 2030 Trust I Separate Account 0.07 Vanguard Target Retirement 2035 Trust II Vanguard Target Retirement 2035 Trust I Separate Account 0.07 Vanguard Target Retirement 2040 Trust II Vanguard Target Retirement 2040 Trust I Separate Account 0.07 Vanguard Target Retirement 2045 Trust II Vanguard Target Retirement 2045 Trust I Separate Account 0.07 Vanguard Target Retirement 2050 Trust II Vanguard Target Retirement 2050 Trust I Separate Account 0.07 Vanguard Target Retirement 2055 Trust II Vanguard Target Retirement 2055 Trust I Separate Account 0.07 Vanguard Target Retirement 2060 Trust II Vanguard Target Retirement 2060 Trust I Separate Account 0.07 N/A Vanguard Target Retirement 2065 Trust I On or after 2000 Separate Account 0.07 FCF Dodge & Cox Stock Fund FCF US Large Cap Stock Fund N/A Custom Fund 0.36 Vanguard PRIMECAP Fund (VPMAX, Admiral Shares) DFA Emerging Markets Core Equity (Class I) (DFCEX) Dodge & Cox International Stock Fund (DODFX) FCF US Large Cap Stock Fund N/A Custom Fund 0.36 FCF International Stock Fund N/A Custom Fund 0.66 FCF International Stock Fund N/A Custom Fund 0.66 Vanguard Wellington Fund (VWENX, Admiral Shares) Vanguard Target Retirement Trust I Funds based on the participant's year of birth in the next column. N/A Separate Account 0.07 Investment options noted in bold above are new to the Plan. Note: These funds are custom fund-of-funds designed specifically for the needs of Farm Credit Foundations plan participants. While the underlying products of each fund may have a ticker symbol, the fund in aggregate, does not. 3
5 Summary of changes to your investment options New FCF US Large Cap Stock and FCF International Stock options The new funds will replace the existing US large cap stock and international equity options. Similar to the FCF US SMID Cap Stock Fund, which was introduced in 2015, these two new funds will be multi-strategy custom funds created exclusively for Farm Credit Foundations participants. What is a multi-strategy custom fund? Instead of being invested in only one mutual fund or other investment strategy, this type of fund blends funds from more than one investment management firm in an effort to provide more consistent returns. Rather than being named after a specific fund brand, the funds names reflect the nature of the actual investments that is US Large Cap Stocks and International Stocks. Both funds are designed to provide a reasonable balance across value and growth stocks. Research indicates that exposure to high-quality value and growth investment strategies can be beneficial over the long run. By blending the styles, the funds become core investments which are more convenient to use from an overall asset allocation perspective. While these new options will still be subject to the risks associated with equities, the diversification of underlying investment funds is intended to promote greater consistency in performance and mitigate excess volatility to the extent possible. The underlying funds within the FCF US Large Cap Stock and FCF International Stock Funds were selected on the basis of soundness of investment process, consistency of performance, stability of investment personnel, and competitiveness of fees, among other factors. The FCF US Large Cap Stock Fund will invest primarily in US large cap stocks and will comprise a mix of three current investment funds, the FCF Dodge & Cox Stock Fund and Vanguard PRIMECAP Fund, along with a smaller allocation to the BlackRock Equity Index NL Fund. Meanwhile, the FCF International Stock Fund will invest across all capitalizations of stocks from both developed and emerging market countries. It will be composed of a blend of three current investment funds, Dodge & Cox International Stock, DFA Emerging Markets Core, and BlackRock MSCI ACWI ex-us IMI Index NL, along with a new investment strategy, William Blair International Leaders which complements Dodge & Cox International and DFA Emerging Core by providing a growth orientation to the fund. Allocations to each of the underlying investment strategies will be automatically rebalanced regularly meaning that you will only need to decide what amount is appropriate to invest in each fund. FCF US Large Cap Stock Fund Custom Portfolio Information: FCF International Stock Fund Custom Portfolio Information: Fund name New asset allocation % Fund name New asset allocation % BlackRock Equity Index Non-Lendable Fund (Class M) 5.0 BlackRock MSCI ACWI ex-us IMI Index Non-Lendable Fund (Class R) 5.0 Vanguard PRIMECAP Fund (Admiral Shares) 47.5 FCF Dodge & Cox Stock Fund 47.5 Total DFA Emerging Markets Core Equity (Class I) 20.0 Dodge & Cox International Stock Fund 37.5 William Blair International Leaders (Class 3) 37.5 Total
6 Removal of Vanguard Wellington Fund The Farm Credit Foundations Trust Committee has decided to remove the Vanguard Wellington Fund from the core line up. This fund is a balanced fund, which maintains a relatively static allocation to primarily US stocks and bonds. In recent years, defined contribution plans have tended to move away from static balanced funds, instead focusing on options like target date funds, which provide greater diversification across US and international asset classes and dynamically change asset allocation over time to become more conservative as retirement date nears. For many investors, target date funds are more convenient, since a single fund can be used for an entire investment allocation. Note that Vanguard Wellington Investor shares can be accessed via the Self-Directed Brokerage Account (TD Ameritrade). What do I need to do? If you have an investment in the Vanguard PRIMECAP Fund or the FCF Dodge & Cox Stock Fund, your existing balances and future investment elections will be transferred to the FCF US Large Cap Stock Fund. If you have an investment in the DFA Emerging Markets Core Equity Fund or the Dodge & Cox International Stock Fund, your your existing balances and future investment elections will be transferred to the FCF International Stock Fund. If you defaulted into the Vanguard Target Retirement 2060 Trust II Fund, with a year of birth of 2000 or after, you will have your future investment election transferred to the Vanguard Target Retirement 2065 Trust I Fund, unless you make an active election to another fund(s) in the Plan by 4:00 p.m. ET on June 26, In addition to your future investment election, your balance will be mapped to the Vanguard Target Retirement 2065 Trust I Fund, unless you transfer your existing balance to another fund(s) by 4:00 p.m. ET on June 29, If you actively elected the Vanguard Target Retirement 2060 Fund Trust II, you will be mapped according to the table on page 3. If you do not want your future investment elections and/or loan repayments to transfer to the investment options described in this notice, you can request a transfer before 4:00 p.m. ET on June 27, You can do so online at mylife.jhrps.com or by calling If you do not want your existing balances to transfer to the investment options described in this notice, you can request a transfer before 4:00 p.m. ET on June 29, During the change, there may be a brief interruption of less than an hour to your retirement Plan account s website (mylife.jhrps.com), automated voice response system, and Participant Service Center ( ). For your protection, all calls to John Hancock s representatives are recorded. What action should I consider? Now may be a good time to review your investment options to make sure their objectives are meeting your goals. Although not required, this is an opportunity to assess your asset allocation (stocks, bonds, cash) and fund selection. 5
7 Investment tiers and fund types In July 2015, we introduced tiers for different types of investors: Do it for me Help me do it Leave me to do it Below is an updated chart reflecting the recent updates to the investment line up. Do it for me Help me do it Leave me to do it I. Target Date Funds II. Passively Managed Core Options III. Actively Managed Core Options IV. Specialty Options AGGRESSIVE CONSERVATIVE Target Date Funds Vanguard Target Retirement Trust I (in five-year increments) Diversified US Fixed Income BlackRock US Debt Index NL Fund Large Cap Equity BlackRock Equity Index NL Fund Small/Mid Cap Equity BlackRock Russell 2500 Index NL Fund World Ex-US Equity BlackRock MSCI ACWI Ex-US IMI Index NL Fund Capital Preservation FCF NYLIM Western Frozen Fixed Dollar Fund* FCF NYLIM Anchor Account IV Diversified Fixed Income Loomis Sayles Core Plus Fixed Income Trust Global Fixed Income Legg Mason BW Global Opps Bond Fund Diversified Inflation Principal Diversified Real Asset Fund FCF US Large Cap Stock Fund FCF US SMID Cap Stock Fund FCF International Stock Fund Self-Directed Brokerage Account** Farm Credit Self-Directed Brokerage Account Morningstar Retirement Manager SM or OnTarget SM can provide additional help using these core investment funds. * The Frozen Fixed Dollar Fund is closed to new investments. ** Self-Directed Brokerage accounts are offered through TD Ameritrade, Inc. which is not affiliated with John Hancock. 6
8 VANGUARD TARGET DATE FUND GLIDE PATH Target date funds have an initial asset allocation and gradually get more conservative over time. The glide path of the Vanguard target date funds is to reach their most conservative position seven years after the target date. Helping you save for retirement Within the plan, we offer various levels of support depending on your risk tolerance and investment style. You may consider one of the following options to help you determine your investment strategy. Target date funds Target date funds have an initial asset allocation and gradually get more conservative over time. The target date in a target date fund is the approximate date an investor plans to start withdrawing money. Because target date funds are managed to specific retirement dates, investors may be taking on greater risk if the actual year of retirement differs dramatically from the original estimated date. Target date funds generally shift to a more conservative investment mix over time. While this may help to manage risk, it does not guarantee earnings growth, nor is the fund s principal value guaranteed at any time, including at the target date. You do not have the ability to actively manage the investments within target date funds. The portfolio managers control security selection and asset allocation. Target date funds allocate their investments among multiple asset classes which can include US and foreign equity and fixed income securities. Target date* Pre-retirement Retirement 100% Young Transition Early Late Portfolio allocation 80% 60% 40% 20% 0% 45+ Stocks US Stocks 60% Years to target date Bonds International stocks 40% Risk control through passive strategies. US Nominal Bonds 70% Source: Vanguard *Target date is the year stated in the fund name and assumes retirement at age 65. International Nominal Bonds 30% Working through retirement years because we believe that retirees still need to generate investment returns at retirement and into their retirement years. Years beyond target date Short-term TIPS 0-24% of total fixed income 7
9 OnTarget 1 A fee-for-service option that determines a contribution rate and investment mix that s right for you, annually increases your contribution rate and quarterly adjusts your investment mix. Fees range from 0.20% to 0.50% depending on your account balance. Morningstar Retirement Manager 2 Advice that assesses your current situation and provides online advice at no additional cost for asset allocation and fund selection. Retirement Manager also allows you to input other assets and income, e.g. IRA s, spouse s 401(k) balances, and takes that into account when providing advice. If you access Retirement Manager quarterly and make a onetime election for the automatic increase option, you are doing the same thing as OnTarget at no additional cost! SAVE MORE The best way you can prepare for the future is to save more. Get started now by increasing your contribution rate today in your 401(k) account at mylife.jhrps.com. While you re at it, also make a one-time election for the automatic increase feature. On the anniversary of your auto-increase election, your pre-tax and/or Roth after-tax contribution will increase by 1% (to a maximum of 15%). More information ONLINE Access your plan 24-hours a day at mylife.jhrps.com PHONE Call the Participant Service Center between 8:00 a.m. and 10:00 p.m. ET on NYSE business days at QUARTERLY STATEMENT Review your quarterly statement online at mylife.jhrps.com 8
10 May 2018 NOTICE OF CHANGE IN QDIA This is an important notice regarding a change in the qualified default investment alternative ( QDIA ) under the Farm Credit Foundations Defined Contribution/401(k) Plan ( Plan ). Please review this information carefully as you may be impacted by this change. On June 27, 2018, the Plan s default fund will change. A default fund is a required element of every retirement plan. If a participant does not make an investment election, contributions allocated to his/her account will be directed to this fund. The Current QDIA is the appropriate Vanguard Target Retirement Trust II (Tier I) based on your year of birth, according to the following chart: Current QDIA Year of Birth Default Investment On or before 1949 Vanguard Target Retirement Income Trust II (Tier I) Vanguard Target Retirement 2015 Trust II (Tier I) Vanguard Target Retirement 2020 Trust II (Tier I) Vanguard Target Retirement 2025 Trust II (Tier I) Vanguard Target Retirement 2030 Trust II (Tier I) Vanguard Target Retirement 2035 Trust II (Tier I) Vanguard Target Retirement 2040 Trust II (Tier I) Vanguard Target Retirement 2045 Trust II (Tier I) Vanguard Target Retirement 2050 Trust II (Tier I) Vanguard Target Retirement 2055 Trust II (Tier I) On or after 1995 Vanguard Target Retirement 2060 Trust II (Tier I)
11 On June 27, 2018, the New QDIA is the appropriate Vanguard Target Retirement Trust I (Tier I) based on your year of birth based, according to the following chart: New QDIA Year of Birth Default Investment On or before 1949 Vanguard Target Retirement Income Trust I (Tier I) Vanguard Target Retirement 2015 Trust I (Tier I) Vanguard Target Retirement 2020 Trust I (Tier I) Vanguard Target Retirement 2025 Trust I (Tier I) Vanguard Target Retirement 2030 Trust I (Tier I) Vanguard Target Retirement 2035 Trust I (Tier I) Vanguard Target Retirement 2040 Trust I (Tier I) Vanguard Target Retirement 2045 Trust I (Tier I) Vanguard Target Retirement 2050 Trust I (Tier I) Vanguard Target Retirement 2055 Trust I (Tier I) Vanguard Target Retirement 2060 Trust I (Tier I) On or after 2000 Vanguard Target Retirement 2065 Trust I (Tier I) The New QDIA is intended to satisfy the requirements of a QDIA. This means that the Plan s fiduciaries are not liable for the investment performance (including any losses) for any monies defaulted into the New QDIA. Review the enclosed fund profiles for the New QDIA. You should also review the various other investment options within the Plan. Information concerning the other investment options can be obtained by contacting John Hancock via the internet at mylife.jhrps.com or via phone at
12 What does this mean for me? On and after June 27, 2018, any amounts contributed to the Plan on your behalf which would have been invested by default in the Current QDIA will instead be invested by default in the New QDIA. If you do not want this change to affect the investment of your future contributions, you can make an investment election in any of the Plan s available investment options prior to 4 p.m. ET on June 26, In addition, as of June 29, 2018, any existing balances that are invested by default in the Current QDIA will be transferred to the New QDIA, and still be considered a default investment. If you do not want this change to affect the investment of your existing balances, you can make a transfer prior to 4:00 p.m. on June 29, Contact John Hancock to make investment changes at mylife.jhrps.com, or by calling the Participant Service Center at Where do I go for help? If you have any questions about this notice, please contact the Participant Service Center at Representatives are available to assist you Monday Friday from 8:00 a.m. 10:00 p.m. Eastern Time on New York Stock Exchange business days. About Risk Investing in Target Date Funds: A Target Date Portfolio is an investment option comprised of fund of funds which allocate their investments among multiple asset classes which can include U.S. and foreign equity and fixed income securities. The "target date" in a target date portfolio is the approximate date an investor plans to start withdrawing money. The Portfolio s ability to achieve its investment objective will depend largely on the ability of the sub-adviser to select the appropriate mix of underlying funds and on the underlying funds ability to meet their investment objectives. The portfolio managers control security selection and asset allocation. There can be no assurance that either a Fund or the underlying funds will achieve their investment objectives. A Fund is subject to the same risks as the underlying funds in which it invests. Because target date funds are managed to specific retirement dates, investors may be taking on greater risk if the actual year of retirement differs dramatically from the original estimated date. Target date funds generally shift to a more conservative investment mix over time. While this may help to manage risk, it does not guarantee earnings growth nor is the fund's principal value guaranteed at any time including at the target date. An investment in a target-date fund is not guaranteed, and you may experience losses, including losses near, at, or after the target date. There is no guarantee that the fund will provide adequate income at and through retirement. Consider the investment objectives, risks, charges, and expenses of the fund carefully before investing. For a more complete description of these and other risks, please review the fund s prospectus. 3
13 A fund s investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. To obtain a prospectus, contact John Hancock Retirement Plan Services, LLC at or visit our website at mylife.jhrps.com. Please read the prospectus carefully before investing or sending money. Prospectus may only be available in English. John Hancock Retirement Plan Services, LLC is also referred to as John Hancock. John Hancock Retirement Plan Services, LLC offers plan administrative and recordkeeping services to sponsors or administrators of retirement plans, as well as a platform of investment alternatives that is made available without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, John Hancock Retirement Plan Services, LLC does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. John Hancock Trust Company LLC provides trust and custodial services to such plans. NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED 2017 All rights reserved 4
14 FCF International Stock Fund AS OF INVESTMENT STRATEGY: The Fund seeks long-term capital appreciation using a multimanager approach that provides exposure to a broad universe of international-company stocks. The Fund seeks to enhance participant diversification opportunities by investing in a mix of non-u.s. stocks of developed and emerging markets and countries across all market capitalizations. The Fund's three investment advisors manage independent subportfolios. The multimanager structure diversifies risk and increases investment capacity, while providing individual managers with the opportunity to generate superior returns. Fund Category: Stock PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.66 Net Expense Ratio f1 (%) 0.66 TOP TEN HOLDINGS AS OF % of Assets William Blair International Leaders Clas Dodge & Cox Intl Stock Fund DFA Emerging Markets Core Eq I BlackRock MSCI ACWI exus IMI I 5.00 Average Annual Total Returns % YTD 1 Year 3 Year 5 Year 10 Year Since Inception FCF International Stock Fund MSCI ACWI ex USA Investable Ma i Portfolio Snapshot b2 (%) William Blair International Leaders Clas Dodge & Cox Intl Stock Fund DFA Emerging Markets Core Eq I 5.00 BlackRock MSCI ACWI exus IMI I PRINCIPAL RISKS Principal Risks include: Currency, Emerging Markets, Foreign Securities and Not a Mutual Fund. See disclosure for details. f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. The inception date of this investment is June 29, As a result, this fact sheet does not contain current total return or total fund asset information. The June 30, 2018 fact sheet will contain updated information. Marketing support services are provided by John Hancock Distributors LLC.
15 FCF US Large Cap Stock Fund AS OF INVESTMENT STRATEGY: The Fund seeks long-term capital appreciation using a multimanager approach that provides exposure to a broad universe of large-company stocks. The Fund seeks to enhance participant diversification opportunities by investing in a mix of U.S. Large Cap stocks. The Fund's two investment advisors manage independent subportfolios. The multimanager structure diversifies risk and increases investment capacity, while providing individual managers with the opportunity to generate superior returns. Large Cap funds aim to target companies with less volatility than Small or Mid Cap stocks. Fund Category: Stock PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.36 Net Expense Ratio f1 (%) 0.36 TOP TEN HOLDINGS AS OF % of Assets FCF Dodge & Cox Stock Fund Vanguard PRIMECAP Fund Admiral BlackRock Equ Idx Non-Lend M 5.00 Average Annual Total Returns % YTD 1 Year 3 Year 5 Year 10 Year Since Inception FCF US Large Cap Stock Fund Russell 1000 Index i Portfolio Snapshot b2 (%) Vanguard PRIMECAP Fund Admiral FCF Dodge & Cox Stock Fund 5.00 BlackRock Equ Idx Non-Lend M PRINCIPAL RISKS Principal Risks include: Active Management, Equity Securities and Market/Market Volatility. See disclosure for details. f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. The inception date of this investment is June 29, As a result, this fact sheet does not contain current total return or total fund asset information. The June 30, 2018 fact sheet will contain updated information. Marketing support services are provided by John Hancock Distributors LLC.
16 Vanguard Target Retirement 2015 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2015 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2015 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2015, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2015 Trust I Dow Jones Target 2015 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
17 Vanguard Target Retirement 2020 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2020 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2020 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2020, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2020 Trust I Dow Jones Target 2020 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
18 Vanguard Target Retirement 2025 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2025 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2025 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2025, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2025 Trust I Dow Jones Target 2025 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
19 Vanguard Target Retirement 2030 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2030 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2030 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2030, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2030 Trust I Dow Jones Target 2030 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
20 Vanguard Target Retirement 2035 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2035 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2035 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2035, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2035 Trust I Dow Jones Target 2035 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
21 Vanguard Target Retirement 2040 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2040 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2040 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2040, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2040 Trust I Dow Jones Target 2040 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
22 Vanguard Target Retirement 2045 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2045 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2045 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2045, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2045 Trust I Dow Jones Target 2045 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
23 Vanguard Target Retirement 2050 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2050 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2050 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2050, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2050 Trust I Dow Jones Target 2050 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
24 Vanguard Target Retirement 2055 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2055 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2055 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2055, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2055 Trust I Dow Jones Target 2055 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
25 Vanguard Target Retirement 2060 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2060 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2060 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2060, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2060 Trust I Dow Jones Target 2055 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
26 Vanguard Target Retirement 2065 Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement 2065 Trust I seeks to provide capital appreciation and current income consistent with its current asset allocation. The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2065 (the target year). The trust's asset allocation will become more conservative over time. Within seven years after 2065, the trust's asset allocation should resemble that of the Target Retirement Income Trust I. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement 2065 Trust I Dow Jones Target 2055 Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
27 Vanguard Target Retirement Income Trust I AS OF INVESTMENT STRATEGY: Vanguard Target Retirement Income Trust I seeks to provide current income and some capital appreciation. The trust invests in Vanguard mutual funds according to an asset allocation strategy designed for investors currently in retirement. Fund Category: Balanced/Asset Allocation PORTFOLIO DETAILS Inception Date Gross Expense Ratio f1 (%) 0.07 Net Expense Ratio f1 (%) 0.07 PRINCIPAL RISKS Principal Risks include: Private Fund and Target Date. See disclosure for details. Average Annual Total Returns % As of YTD 1 Year 3 Year 5 Year 10 Year Since Inception Vanguard Target Retirement Income Trust I Dow Jones Target Today Index i Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto mylife.jhrps.com or call a John Hancock representative at (800) f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change. Marketing support services are provided by John Hancock Distributors LLC. The target date is the expected year in which participants in a Target Date Portfolio plan to retire and no longer make contributions. The investment strategy of these Portfolios are designed to become more conservative over time as the target date approaches (or if applicable passes) the target retirement date. The principal value of your investment as well as your potential rate of return, are not guaranteed at any time, including at or after the target retirement date. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance.
28 Risks and Disclosures Important Notes Other: b2. The portfolio composition, industry sectors, top ten holdings, and credit analysis are presented to illustrate examples of securities that the fund has bought and diversity of areas in which the fund may invest and may not be representative of the fund's current or future investments. The top ten holdings do not include money market instruments and/or futures contracts. The figures presented are as of date shown, do not include the fund's entire investment portfolio, and may change at any time. Index Description: i1. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i4. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i48. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i50. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i51. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i52. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i53. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i54. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i55. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. i72. MSCI ACWI ex USA Investable Market Index (IMI) captures large, mid and small cap representation across 22 of 23 Developed Markets (DM) countries (excluding the United States) and 21 Emerging Markets (EM) countries. The index covers approximately 99% of the global equity opportunity set outside the US. It is not possible to invest directly in an index. i105. Russell 1000 Index: The Russell 1000 Index is an unmanaged index that measures the performance of the 1,000 largest companies in the Russell 3000 Index, which includes the 3,000 largest U.S. companies based on total market capitalization. Results assume the reinvestment of all capital gain and dividend distributions. An investment cannot be made directly into an index. i117. The Dow Jones Target Date Indexes (each an "Index" or collectively the "Indexes") are a series of Indexes designed as benchmarks for multi-asset class portfolios with risk profiles that become more conservative over time. The Index weightings among the major asset classes are adjusted monthly based on a published set of Index rules. The Indexes with longer time horizons have higher allocations to equity securities, while the Indexes with shorter time horizons replace some of their stock allocations with allocations to fixed income securities and money market instruments. You cannot invest directly in an index. Principal Risks Active Management: The investment is actively managed and subject to the risk that the advisor's usage of investment techniques and risk analyses to make investment decisions fails to perform as expected, which may cause the portfolio to lose value or underperform investments with similar objectives and strategies or the market in general. Currency: Investments in securities traded in foreign currencies or more directly in foreign currencies are subject to the risk that the foreign currency will decline in value relative to the U.S. dollar, which may reduce the value of the portfolio. Investments in currency hedging positions are subject to the risk that the value of the U.S. dollar will decline relative to the currency being hedged, which may result in a loss of money on the investment as well as the position designed to act as a hedge. Cross-currency hedging strategies and active currency positions may increase currency risk because actual currency exposure may be substantially different from that suggested by the portfolio's holdings. Emerging Markets: Investments in emerging- and frontier-markets securities may be subject to greater market, credit, currency, liquidity, legal, political, and other risks compared with assets invested in developed foreign countries. Equity Securities: The value of equity securities, which include common, preferred, and convertible preferred stocks, will fluctuate based on changes in their issuers' financial conditions, as well as overall market and economic conditions, and can decline in the event of deteriorating issuer, market, or economic conditions. Foreign Securities: Investments in foreign securities may be subject to increased volatility as the value of these securities can change more rapidly and extremely than can the value of U.S. securities. Foreign securities are subject to increased issuer risk because foreign issuers may not experience the same degree of regulation as U.S. issuers do and are held to different reporting, accounting, and auditing standards. In addition, foreign securities are subject to increased costs because there are generally higher commission rates on transactions, transfer taxes, higher custodial costs, and the potential for foreign tax charges on dividend and interest payments. Many foreign markets are relatively small, and securities issued in less-developed countries face the risks of nationalization, expropriation or confiscatory taxation, and adverse changes in investment or exchange control regulations, including suspension of the ability to transfer currency from a country. Economic, political, social, or diplomatic developments can also negatively impact performance. Market/Market Volatility: The market value of the portfolio's securities may fall rapidly or unpredictably because of changing economic, political, or market conditions, which may reduce the value of the portfolio.
29 Not a Mutual Fund: This investment option is not a mutual fund. Private Fund: The fund is not a mutual fund and is privately offered. Prospectuses are not required and prices are not available in local publications. Target Date: Target-date funds, also known as lifecycle funds, shift their asset allocation to become increasingly conservative as the target retirement year approaches. Still, investment in target-date funds may lose value near, at, or after the target retirement date, and there is no guarantee they will provide adequate income at retirement. Risks and Disclosures
30 ¹ Participation in OnTarget does not guarantee investment success. All investing involves risk including possible loss of principal. Fees for this service are based on a tiered schedule and vary by account balance. For more information, consult the OnTarget Investment Advisory Agreement. John Hancock Personal Financial Services LLC ( JHPFS ), a registered investment adviser and affiliate of John Hancock Retirement Plan Services, LLC, is the investment manager of the OnTarget program. JHPFS has selected Morningstar Investment Management LLC, a registered investment advisor and wholly-owned subsidiary of Morningstar, Inc., to act as the independent financial expert for OnTarget. JHPFS monitors Morningstar s performance. Morningstar Investment Management LLC is not affiliated with John Hancock Retirement Plan Services, JHPFS or their affiliates. ² Retirement expense and income projections provided in the Morningstar Retirement Manager program are based on certain assumptions and historical data; your actual experience and results will differ. All investing involves risk including possible loss of principal. Morningstar Investment Management LLC, a registered investment advisor and wholly-owned subsidiary of Morningstar, Inc., provides the advisory services in the Morningstar Retirement Manager program under a licensing contract with John Hancock Retirement Plan Services, LLC. Morningstar Investment Management is not affiliated with John Hancock Retirement Plan Services. Other Required Information Investment profiles, including information regarding expense ratios and redemption fees, are enclosed with this package. Please review the following fund investment profiles carefully. All mutual funds are subject to market risk and will fluctuate in value. Investing in Target Date Funds: The target date in a target date fund is the approximate date an investor plans to start withdrawing money. Because target date funds are managed to specific retirement dates, investors may be taking on greater risk if the actual year of retirement differs dramatically from the original estimated date. Target date funds generally shift to a more conservative investment mix over time. While this may help to manage risk, it does not guarantee earnings growth nor is the fund s principal value guaranteed at any time including at the target date. You do not have the ability to actively manage the investments within target date funds.the portfolio managers control security selection and asset allocation. Target Date funds allocate their investments among multiple asset classes which can include US and foreign equity and fixed income securities. An investor should examine the asset allocation of the fund to ensure it is consistent with their own risk tolerance. A fund s investment objectives, risks, charges, and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. To obtain a prospectus, contact John Hancock Retirement Plan Services, LLC at or visit the website at mylife.jhrps.com. Please read the prospectus carefully before investing or sending money, the fund s prospectus provides information regarding details for the applicable fee waivers. Prospectus may only be available in English All rights reserved
31 9
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