john hancock stable value fund financial statements
Sep 9, 2023 
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These charges, if included, would otherwise reduce the total return for a participant's account. Due to abnormal market conditions or redemption activity the fund may temporarily invest in cash and cash equivalents. JOHN HANCOCK STABLE VALUE RETURN FUND R6 - Insider Recognizing that there may be extreme market or other circumstances requiring a participant to make a further change, John Hancock will allow a participant to move 100% of their assets to a Money Market or Stable Value Fund (as available under the contract after the exchange limit has been reached; no subsequent exchanges may be made for 30 days If the sub-account inception date is after December 8, 2014, then the Signature Menu introduction date is the same as the sub-account inception date.Returns for any period greater than one year are annualized. Weightings - Applicable to only the Target Date (Lifecycle Portfolio) and Target Risk (Lifestyle Portfolios) Each Target Risk/Target Date Portfolio has a target percentage allocation designed to meet the investment objectives of a corresponding investment orientation. For these services, John Hancock and its affiliates receive additional fees which are included in the underlying fund expense ratio (i.e. 13. John Hancock Retirement Plan Services 200 Berkeley Street Boston, MA 02116. Examples of business or market sectors where this risk may be particularly high include: a) technology-related businesses, including Internet-related businesses, b) small-cap securities and c) foreign securities. Investment grade categories indicate relatively low to moderate credit risk, while ratings in the speculative categories either signal a higher level of credit risk or that a default has already occurred.S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (junk bonds); and credit ratings of CCC+ or below have high default risk. Plans that select the Fund may not select any "competing fund" in their plan. Morningstar data is 2023 by Morningstar, Inc. All rights reserved. It is divided into two sections, investment grade and speculative grade. 83. It is made up of John Hancock's (i) "Revenue from Sub-account", and (ii) the expenses of the underlying fund (based on expense ratios reported in the most recent prospectuses available as of the date of printing; "FER"). 26. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement account. For more information, please contact your financial representative. Standard Deviation is defined by Morningstar as a statistical measurement of dispersion about an average, which, for an underlying fund, depicts how widely the returns varied over a certain period of time.The placement of each investment option's risk/return category is subject to change. Investment Grade Securities for Fixed Income. For further details, please refer to the Offering Statement and Declaration of Trust. Exchange traded funds and open-ended mutual funds are considered a single population for comparative purposes. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.For each underlying fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in the underlying funds monthly performance (does not include the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The lowest investment-grade rating is Baa3. Returns for any period greater than one year are annualized. They're exempt from many of the regulatory requirements that drive mutual fund expenses, generally giving them a fee advantage over mutual funds. In particular, allocating assets to a small number of investment options concentrated in particular business or market sectors could subject an account to increased risk and volatility. Seeks to preserve capital and provide stability of principal while earning current income that exceeds money market rates over the long term. Form 11-K - SEC The John Hancock Stable Value Fund is invested primarily in benefit responsive contracts issued by state regulated insurance companies and banks, including but not limited to John Hancock Life & Health Insurance Company. The stable value fund is managed by Galliard, a subsidiary of Wells Fargo Bank, N.A., custodian for the fund. Please confirm with your local John Hancock Representative if you have any questions about product, Fund or contract feature availability. The terms investment grade and speculative grade are market conventions and do not imply any recommendation or endorsement of a specific security for investment purposes. 166. NOT BANK GUARANTEED. 2023 John Hancock. John Hancock does not provide advice regarding appropriate investment allocations. For further details on these fees and certain risks that may apply please refer to the Offering Memorandum. john hancock stable value fund financial statements (2022) Morningstar data is 2023 by Morningstar, Inc. All rights reserved. Withdrawals caused by the Plan sponsor may either be paid out immediately (subject to a market value adjustment) or at the full contract value over a period of five years. Consult your John Hancock representative for details. FINANCIAL STATEMENTS AND EXHIBITS . Refer to the Massachusetts contract form for more details about the John Hancock Stable Value Guaranteed Income Fund. John Hancock Life Insurance Company has a more than 30-year track record of backing guaranteed interest contracts and has been a stable value asset manager since 2006, with total stable value assets under management above $2.7 billion with over 12,000 plans 1. These charges, if included, would otherwise reduce the total return for a participants account. While an insolvency of JHLH should not diminish the assets of the Separate Account, it could delay the timing of payments to plan participants. or legal statements made herein . This investment option is deemed a 'Competing' investment option with the Reliance Trust New York Life Anchor Account and may not be available if the Reliance Trust New York Life Anchor Account is selected. The fund expects that the use of Stabilizing Agreements will (when combined with any benefit responsive contracts and short-term investments held as underlying investments), under most circumstances, permit the fund to pay all withdrawals from the fund at book value. Asset class/Investment style : Asset class refers to the broad category of investments the portfolio, or underlying fund, currently holds. If a 10 year Standard Deviation is not available for a Morningstar Category, then the 5 year Standard Deviation of the underlying fund's Morningstar Category is used to determine the Fund's risk category. Source: Morningstar Direct for Mutual Funds, as of the most recent month end. The underlying mutual fund, collective trust, or ETF has the right to restrict trade activity without prior notice if a participant's trading is determined to be in excess of their exchange policy, as stated in the prospectus or offering memorandum. Manager Risk for Fixed Income. The effect of short-term trading may disrupt or be potentially disruptive to the management of the fund underlying an investment option and may thereby adversely impact the underlying funds performance, either by impacting fund management practices or by increasing fund transaction costs. Contact your John Hancock representative if you wish to obtain a copy. This investment option is deemed a 'Competing' investment option with the Reliance Trust New York Life Anchor Account and may not be available if the Reliance Trust New York Life Anchor Account is selected. An investment in a sub-account will fluctuate in value to reflect the value of the sub-account's underlying fund and, when redeemed, may be worth more or less than original cost. John Hancock and its affiliates provide advisory and/or sub-advisory services for the underlying fund. John Hancock Retirement Offers New Stable Value Guaranteed Income Fund This design allows money market funds to maintain a fixed net asset value and daily liquidity at the same time. Morningstar Category: 2023 Morningstar. Neither John Hancock USA nor the Trustee guarantees the performance of the Stability Provider(s). You can visit the Employee Benefit Security Administration's Web site for an example demonstrating the long-term effect of fees and expenses. Although there can be no assurances that all risks can be eliminated, John Hancock as manager of the underlying funds will use its best efforts to manage and minimize such risks and costs. 6A. Please confirm with your local John Hancock Representative if you have any questions about product, Fund or contract feature availability. Withdrawals for plan distributions, loans, hardship withdrawals, and transfers to other investments will be paid at full value. This letter is not a rule, regulation or statement of the Commission, and the Commission has neither approved nor . The information shown is based on the most recent available information for the underlying mutual fund, collective trust, or ETF (collectively referred to as underlying fund) as of the date of printing and is subject to change. However, the default of a Stability Provider and an inability to obtain a replacement Stabilizing Agreement could render the fund unable to pay withdrawals at book value. The fund's primary investment objectives are to preserve principal, maintain a competitive . Withdrawals caused by the Plan sponsor may either be paid out immediately (subject to a market value adjustment) or at the full contract value over a period of five years. Often, the issuer of asset-backed securities is a special purpose entity and the investors recourse is limited to the assets comprising the pool. Prepayment Risk for Fixed Income. Redemption fees or market value adjustments associated with exchanges from particular investment options are described on applicable fund sheets, which are available online. John Hancock Stable Value Fund - viewjhfunds.com Your company's qualified retirement plan offers participants the opportunity to contribute to investment options available under a group annuity contract with John Hancock Life Insurance Company (U.S.A.) (John Hancock USA). Equity, or stock underlying funds may be categorized by the size of the securities in which the fund invests (market capitalization). In the case where an underlying fund has either waived a portion of, or capped, its fees, the FER used to determine the ER of the sub-account that invests in the underlying fund is the net expense ratio of the underlying fund. Manager or Sub-Adviser refers to the manager of the underlying fund, or to the sub-adviser of the underlying John Hancock Trust, John Hancock Funds II, or John Hancock Funds III fund in which the sub-account invests. The lowest investment-grade rating is Baa3. For further details, please refer to the Offering Circular and Declaration of Trust. How Do Stable Value Funds Work? - SmartAsset John Hancock Life Insurance Company (U.S.A.) makes available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. The risk that John Hancock will default on its obligations under the contract or that other events could render the contract invalid. . JOHN HANCOCK STABLE VALUE RETURN FUND 1 | Markets Insider John Hancock Stable Value Guaranteed Income Fund Risks Relating to John Hancock.
