Investments

Selecting and monitoring retirement plan investments are critical fiduciary duties

Learn about our capital preservation, target-date, and in-plan advice offers.   

John Hancock's stable value funds 

Our stable value funds offer capital preservation that’s backed by John Hancock’s proven financial strength and stable value investment expertise.¹

Learn more about our stable value funds

Guaranteed principal and interest and a competitive crediting interest rate

Diversified, investment-grade, fixed-income portfolios

For more information about our stable value funds, contact your John Hancock representative.

John Hancock's stable value funds offer plan sponsors and participants a capital preservation option

Plan sponsors can use stable value to satisfy the capital preservation needs of:

  • 401(k) plans
  • 401(a) plans
  • Taft-Hartley plans
  • Governmental 457(b) plans 

Designed for plan participants who are:

  • Conservative and risk averse
  • Concerned with market volatility
  • Approaching retirement

 

For more information about John Hancock's stable value funds, please contact your John Hancock representative.

1 Financial strength ratings are as of 5/7/20, are subject to change, and apply to the main life operating companies of Manulife Financial Corporation, including The Manufacturers Life Insurance Company, John Hancock Life Insurance Company (U.S.A.), John Hancock Life & Health Insurance Company, and John Hancock Life Insurance Company of New York, as a measure of the respective issuing company’s ability to meet its ongoing insurance and contract obligations. The ratings are not an assessment or recommendation of specific products, the performance of these products, the value of any investment in these products on withdrawal, or the individual securities held in any portfolio.

John Hancock target-date funds

With a multimanager approach that favors specialists over generalists, our target-date funds were rated #1 by top DC plan advisors for open architecture.²

For more information about our target-date funds, please contact your John Hancock representative

Oversight

Monitoring each portfolio team for the repeatability of its investment process and management of risk

Several levels of diversification

  • Multiple asset classes
  • Multiple styles
  • Multiple managers

With John Hancock's multimanager and multi-asset strategy, you'll benefit from our:

  • Specialized asset management expertise
  • Extended diversification to include multiple investment styles and managers  
  • Flexibilty and ability to respond to the market 
  • Global investment experience, with asset allocation portfolios offered on five continents 
2 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.

 

In-plan advice through managed accounts

 

We believe that all participants should have access to professional management and advice—we offer John Hancock Personalized Retirement Advice and advisor-managed accounts, both backed by Morningstar, an independent registered investment advisor.

Personalized asset allocation and investment management

Independent advice and professional management

Two offers for in-plan advice

For more information about our in-plan advice options, please contact your John Hancock representative.

A personal investment strategy that's reviewed annually

One-on-one phone support for participants

Reporting for participants and plan sponsors

Two options for in-plan advice

Our in-plan advice offers—John Hancock Personalized Retirement Advice and advisor-managed accounts—provide a strategy based on a participant's age, finances, spousal assets, and other personal information. 

Customized investment guidance with Retirement Manager

Participants looking for investment guidance and a customized asset allocation and risk strategy—at no additional cost—can use Retirement Manager. Powered by Morningstar, Retirement Manager also offers participants over age 50 guidance on a drawdown strategy.

Participation in the Managed Account Program (program) does not guarantee investment success. Investing involves risks, including the potential loss of principal. Fees for this service are based on account balance. Please consult the program’s “Investment advisory agreement” for fee terms located under the “Acknowledgment and agreement” section. The program’s advisor and Morningstar Investment Management LLC are not affiliated with John Hancock Retirement Plan Services, LLC or its affiliates. The program’s advisors act as a fiduciary with respect to the management of the program’s investments.

Once enrolled in the John Hancock Personalized Retirement Advice Program (Retirement Advice), John Hancock Personal Financial Services, LLC (JHPFS) will manage your account by allocating and rebalancing investments for you.

Participation in John Hancock Personalized Retirement Advice (Retirement Advice) does not guarantee investment success. Investing involves risks, including the potential loss of principal. Fees for this service are based on a tiered schedule and vary by account balance. For more information, consult the John Hancock Personalized Retirement Advice Investment Advisory Agreement. John Hancock Personal Financial Services, LLC (JHPFS), a registered investment advisor and affiliate of John Hancock Retirement Plan Services, LLC (JHRPS), is the investment manager of the Retirement Advice program. JHPFS has selected Morningstar Investment Management LLC (Morningstar), a registered investment advisor and wholly owned subsidiary of Morningstar, Inc., to act as the independent financial expert (as defined in the U.S. Department of Labor’s Advisory Opinion 2001-09A) for Retirement Advice. JHPFS monitors Morningstar’s performance. Morningstar is not affiliated with JHRPS, JHPFS, or its affiliates. JHPFS acts as a fiduciary with respect to the management of Retirement Advice investments.

Investment advisory services for Morningstar Retirement Manager are provided by Morningstar Investment Management LLC.