Social policy
Information posted on this site is presented by John Hancock. John Hancock is not affiliated with LinkedIn and is not responsible for LinkedIn’s terms of service, privacy, or security policies. LinkedIn is a social media platform on which information that you post can be viewed by others. You should not post personally identifiable information on John Hancock LinkedIn sites, or on any other John Hancock social media platforms. John Hancock is not responsible for the content of comments posted by others, including links to third-party sites, or how others may use comments posted by you. Users should always exercise discretion when clicking on links posted by others.
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.
Important disclosures
Important disclosures
John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans. John Hancock Trust Company LLC provides trust and custodial services to such plans.
Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York), and John Hancock Life Insurance Company of New York, Valhalla, New York. Product features and availability may differ by state.
John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.), and John Hancock Life Insurance Company of New York each make available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, each such company does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity.
Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock name.
JH Enterprise is a registered trademark of John Hancock Life Insurance Company (U.S.A.).
JH Signature is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.