Dashboard Investments Portfolio Insight Fund Compare Viewpoints Non-U.S. investors LOG IN Target-date funds from John Hancock Investment Management When it comes to addressing the unprecedented challenges faced by today’s retirement savers, we believe a one-size-fits-all approach to your plan’s most important investment option just isn’t enough. Discover why our three series of target-date funds offer more ways for retirement savers to meet their goals. Find out more Glide paths within the glide path Read our white paper Ranked #1 by top DC plan advisors for open architecture¹ John Hancock Multimanager Lifetime Portfolios John Hancock Multi-Index Lifetime Portfolios John Hancock Multi-Index Preservation Portfolios Explore our funds Multiple glide paths Open architecture Results for retirement Expenses to fit your plan's budget Multiple glide paths More than 75% of plan sponsors evaluated the glide path suitability of existing target date for their participants among those who took target-date fund action with their plan.² That’s why we offer two. Lifetime Designed to address longevity risk Equity allocation begins at 95% Reduced to 50% at retirement date; stabilizes at 25% in retirement Uses actively managed underlying investments Designed to support 4% in annualized withdrawals over a multidecade retirement horizon.3 Allocation to equity Age 100% 75% 50% 25% 0% 25 35 45 55 65 75 85 90 Preservation Lifetime Common retirement age Preservation Designed to address retirement “readiness zone” risk Equity allocation begins at 82% Stabilizes at 8% at retirement Uses ETFs and a low-cost asset allocation strategy to minimize the impact of expenses on portfolio returns Allocation to equity Age 100% 75% 50% 25% 0% 25 35 45 55 65 75 85 90 Preservation Lifetime Common retirement age Our method delivers three kinds of diversification to shareholders of our asset allocation portfolios Fund oversight—John Hancock Investment Management’s open-architecture approach oversees the complete selection and allocation process. To supplement our investment expertise, we scour the world for managers for different portfolio components and then adjust those components over time based on risk, expected returns, correlation, and manager performance. Multiple asset classes—Our managers allocate to various asset classes but can add new ones based on expected returns and portfolio fit. Our analysis seeks attractive multi-year expected returns and opportunities from market dislocations. Multiple managers—Our open-architecture approach identifies management teams specializing in distinct asset classes and styles, based on a proven record, experienced team, and repeatable process. We then monitor those teams to ensure they adhere to their mandates. Distinct styles—We adjust style blends to modify risk over time while seeking to enhance returns, preserve capital, and manage longevity exposure. Important disclosures Nearly 20 specialized teams Important disclosures Seeking to protect in down markets with our preservation portfolios³ Explore our target-date funds⁴ When it comes to addressing challenges faced by today’s retirement savers, we believe a one-size-fits-all approach to target-date funds isn't enough. That’s why our three distinct target-date fund suites empower plan fiduciaries to choose the one that serves their participants best. Multimanager Lifetime Portfolios Our Multimanager Lifetime Portfolios are one-stop retirement investments, emphasizing allocations to active asset class specialists John Hancock Multimanager 2065 Lifetime Portfolio John Hancock Multimanager 2060 Lifetime Portfolio John Hancock Multimanager 2055 Lifetime Portfolio John Hancock Multimanager 2050 Lifetime Portfolio John Hancock Multimanager 2045 Lifetime Portfolio John Hancock Multimanager 2040 Lifetime Portfolio John Hancock Multimanager 2035 Lifetime Portfolio John Hancock Multimanager 2030 Lifetime Portfolio John Hancock Multimanager 2025 Lifetime Portfolio John Hancock Multimanager 2020 Lifetime Portfolio John Hancock Multimanager 2015 Lifetime Portfolio John Hancock Multimanager 2010 Lifetime Portfolio Multi-Index Preservation Portfolios Our Multi-Index Preservation Portfolios are one-stop retirement investments, with a focus on low-cost implementation and preservation of capital when you need it most John Hancock Multi-Index 2065 Preservation Portfolio John Hancock Multi-Index 2060 Preservation Portfolio John Hancock Multi-Index 2055 Preservation Portfolio John Hancock Multi-Index 2050 Preservation Portfolio John Hancock Multi-Index 2045 Preservation Portfolio John Hancock Multi-Index 2040 Preservation Portfolio John Hancock Multi-Index 2035 Preservation Portfolio John Hancock Multi-Index 2030 Preservation Portfolio John Hancock Multi-Index 2025 Preservation Portfolio John Hancock Multi-Index 2020 Preservation Portfolio John Hancock Multi-Index Income Preservation Portfolio Multi-Index Lifetime Portfolios Our Multi-Index Lifetime Portfolios are one-stop retirement investments, with a focus on low-cost implementation John Hancock Multi-Index 2065 Lifetime Portfolio John Hancock Multi-Index 2060 Lifetime Portfolio John Hancock Multi-Index 2055 Lifetime Portfolio John Hancock Multi-Index 2050 Lifetime Portfolio John Hancock Multi-Index 2045 Lifetime Portfolio John Hancock Multi-Index 2040 Lifetime Portfolio John Hancock Multi-Index 2035 Lifetime Portfolio John Hancock Multi-Index 2030 Lifetime Portfolio John Hancock Multi-Index 2025 Lifetime Portfolio John Hancock Multi-Index 2020 Lifetime Portfolio John Hancock Multi-Index 2015 Lifetime Portfolio John Hancock Multi-Index 2010 Lifetime Portfolio Expenses to fit your plan's budget Despite expenses coming down in recent years, the average net expense ratio for target-date funds is 71 basis points. Our expenses are below average for both our actively and passively implemented target-date funds. Put our approach to work for you Retirement plan advisors and sponsors: Ask a John Hancock Investment Management Defined Contribution Investment Only (DCIO) specialist for a detailed review of how John Hancock Multimanager Target-Date Portfolios can fit into your plan or practice. Request a meeting with a John Hancock Investment Management Business Consultant CONTACT US Diversification does not guarantee a profit or eliminate the risk of a loss. Portfolio performance depends on the advisor’s skill in determining asset class allocations, the mix of underlying funds, and the performance of those underlying funds. The underlying funds’ performance may be lower than the performance of the asset class that they were selected to represent. The portfolio is subject to the same risks as the underlying funds and ETFs in which it invests: Stocks and bonds can decline due to adverse issuer, market, regulatory, or economic developments; foreign investing, especially in emerging markets, has additional risks, such as currency and market volatility and political and social instability; the securities of small companies are subject to higher volatility than those of larger, more established companies; and high-yield bonds are subject to additional risks, such as increased risk of default. Owning an ETF generally reflects the risks of owning the underlying securities it is designed to track, which may cause lack of liquidity, more volatility, and increased management fees. Hedging and other strategic transactions may increase volatility of a portfolio and could result in a significant loss. Each portfolio's name refers to the approximate retirement year of the investors for whom the portfolio's asset allocation strategy is designed. The portfolios with dates further off initially allocate more aggressively to stock funds. As a portfolio approaches or passes its target date, the allocation will gradually migrate to more conservative, fixed-income funds. The principal value of each portfolio is not guaranteed and you could lose money at any time, including at, or after, the target date. Liquidity—the extent to which a security may be sold or a derivative position closed without negatively affecting its market value, if at all—may be impaired by reduced trading volume, heightened volatility, rising interest rates, and other market conditions. Please see the portfolios' prospectuses for additional risks. © 2021 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. The #1 ranking is for John Hancock Multimanager Lifetime Portfolios and is based on a survey of 249 advisors conducted by Market Strategies International in February 2019. “2020 Defined Contribution Trends,” Callan Institute Survey, 2020. Based on the period from inception to 6/30/21. Upside capture ratio measures a manager’s performance in up markets relative to the market itself. Downside capture ratio measures a manager’s performance in down markets relative to the market itself. Upside capture ratio measures a manager’s performance in up markets relative to the market itself. Downside capture ratio measures a manager’s performance in down markets relative to the market itself. Past performance does not guarantee future results. Morningstar, 2021. This is the average total expense ratio of all open-end target-date funds that are tracked by Morningstar. Average total expense ratio shown is for John Hancock funds Class R6. MF1798599 Careers Contact us Legal Privacy policy Accessibility Site map Manulife, Manulife Investment Management, Stylized M Design, and Manulife Investment Management & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. John Hancock Investment Management LLC is the investment advisor for the closed-end funds. A widespread health crisis, such as a global pandemic, could cause substantial market volatility, exchange-trading suspensions and closures, affect the ability to complete redemptions, and affect fund performance; for example, the novel coronavirus disease (COVID-19) has resulted in significant disruptions to global business activity. The impact of a health crisis and other epidemics and pandemics that may arise in the future could affect the global economy in ways that cannot necessarily be foreseen at the present time. A health crisis may exacerbate other preexisting political, social, and economic risks. Any such impact could adversely affect the fund’s performance, resulting in losses to your investment. Mutual funds © 1999–2021 John Hancock Investment Management Distributors LLC and affiliated companies. All rights reserved. Member FINRA | SIPC, 200 Berkeley Street, Boston, MA 02116 Click here to view a prospectus or summary prospectus. You may also request one from your financial professional or by calling us at 800-225-5291. The prospectus includes investment objectives, risks, fees, expenses, and other information that you should consider carefully before investing. Some information may not be approved by certain organizations. Please check with your organization before using this information. ETFs John Hancock ETFs are distributed by Foreside Fund Services, LLC in the United States, and are subadvised by Dimensional Fund Advisors LP or our affiliate Manulife Investment Management (US) LLC. Foreside is not affiliated with John Hancock Investment Management Distributors LLC, Dimensional Fund Advisors LP or Manulife Investment Management (US) LLC. ETF shares are bought and sold through exchange trading at market price (not NAV), and are not individually redeemed from the fund. Shares may trade at a premium or discount to their NAV in the secondary market. Brokerage commissions will reduce returns. Click here to view a prospectus or summary prospectus. You may also request one from your financial professional or by calling us at 800-225-5291. The prospectus includes investment objectives, risks, fees, expenses, and other information that you should consider carefully before investing. 529 If your state or your designated beneficiary’s state offers a 529 plan, you may want to consider what, if any, potential state income-tax or other state benefits it offers, such as financial aid, scholarship funds, and protection from creditors, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. Please consult with your financial, tax, or other professional about how these state benefits, if any, may apply to your specific circumstances. You may also contact your state 529 plan or any other 529 education savings plan to learn more about their features. Please contact your financial professional or call 866-222-7498 to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. The Plan Disclosure Document contains complete details on investment objectives, risks, fees, charges, and expenses, as well as more information about municipal fund securities and the underlying investment companies that should be considered before investing. Please read the Plan Disclosure Document carefully prior to investing. John Hancock Freedom 529 is an education savings plan offered by the Education Trust of Alaska, managed by T. Rowe Price, and distributed by John Hancock Distributors LLC through other broker-dealers that have a selling agreement with John Hancock Distributors LLC. John Hancock Distributors LLC is a member of FINRA and is listed with the Municipal Securities Rulemaking Board (MSRB). © 2021 John Hancock. All rights reserved. Information included in this material is believed to be accurate as of the printing date. John Hancock Freedom 529 P.O. Box 17603 ■ Baltimore, MD 21297-1603 ■ 866-222-7498 ■ jhinvestments.com/529 529 PLANS ARE NOT FDIC INSURED, MAY LOSE VALUE, AND ARE NOT BANK OR STATE GUARANTEED.