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The views and opinions on this site attributable to John Hancock do not constitute investment advice or an offering of any products or services to specific users. The views and opinions of persons affiliated with John Hancock are their own and are subject to change. Users should consult with a financial professional before making any decisions.

This material does not constitute tax, legal, plan design, or accounting advice, and neither John Hancock nor any of its agents, employees, or registered representatives are in the business of offering such advice. It was not intended or written for use, and cannot be used, by any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisors. In the event a plan selects John Hancock as a recordkeeper, John Hancock and its sales professionals and other employees who assist in bringing retirement plan business to John Hancock and retaining business will receive compensation.

Any performance data shown represents past performance and does not guarantee future results. There is no guarantee that any investment strategy will achieve its objectives. Diversification does not guarantee a profit or eliminate the risk of a loss.  For complete information about a particular investment option, please read the fund sheet and/or prospectus. You should carefully consider the objectives, risks, charges, and expenses before investing. These documents contain this and other important information about the investment option and investment company.  Please read the document(s) carefully before you invest or send money. Prospectuses may only be available in English.

ETFs

Owning exchange-traded funds (ETFs) generally reflects the risks of owning the underlying securities they are designed to track, which may cause lack of liquidity, more volatility, and increased management fees. An investment in an ETF involves risks, including the potential loss of principal. Investment return, price, yield, and net asset value (NAV) will fluctuate with changes in market conditions and brokerage expenses, and ETF expenses will reduce returns. ETFs traded in the secondary market may trade at prices above or below their NAV. ETF shares are generally not redeemable from the fund individually, but through units of shares that may be redeemed in aggregate. Investment policies, management fees, and other information can be found in the individual ETF’s prospectus. Certain non-index ETFs are non-diversified and may experience more volatility than index ETFs or mutual funds typically would. Certain single-stock or commodity-based ETFs may also pose increased risks or be more speculative in nature.