Investments
Selecting and monitoring retirement plan investments are critical fiduciary duties
Learn about stable value, target-date, collective investment trust, and in-plan advice offers
John Hancock stable value funds
Stable value funds are an attractive alternative to other capital preservation vehicles, earning current income that exceeds money market rates over the long term.
Learn more about stable value funds
Stable value funds are managed to achieve principal preservation, make returns more consistent, and provide liquidity for participant benefit payments.
Stable value fund managers invest primarily in short- to intermediate-term fixed-income instruments.
In funds where they're available, insurance guarantees can help stabilize performance.
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Stable value funds use book value accounting to help smooth out daily market volatility. Plan participants and sponsors can count on the funds’ benefit responsiveness—the ability to transact at book or contract value.
Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to prevent fluctuations in their share prices. Although a portfolio will seek to maintain a stable value, there is a risk that it will not be able to do so, and participants may lose their investment if both the fund's investment portfolio and the wrapper provider fail.
Target-date funds from John Hancock Investment Management
We believe a multi-asset investment approach is best suited to provide an appropriate level of diversification and risk-adjusted return potential that can help retirement savers pursue their long-term goals.
Learn more about our Target-date funds
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
- Flexibility and ability to respond to the market
- Global investment experience, with asset allocation portfolios offered on five continents
Collective investment trusts (CITs) covering five asset classes
Growing rapidly in popularity as an alternative to mutual funds in DC plan investment lineups, CITs are tax-exempt, pooled investment vehicles maintained by a bank or trust company available only to certain qualified retirement plans in the United States. If your plan’s eligible, we can help provide them to you.
Learn more about our CIT offering
Diversified portfolios of stocks, bonds, or mutual funds
A selection of strategies across fixed income, U.S. and international equity, target date, and target risk
Generally lower fees than other plan investment options
Important disclosures
This is not an offer to sell units of the trust, and the trust is not soliciting offers to buy units of the trust, at any time in any jurisdiction in which the offer or sale is not permitted. Units of the trust are only offered to eligible qualified employee benefit plans in the sole discretion of the trustee. Descriptions of the trust, which include the objectives, risks, charges, expenses, and other important information, should be carefully read and considered together with the declaration of trust, the participation agreement, and the fund declarations before investing, copies of which are available to qualified investors on request from John Hancock Trust Company or Global Trust Company (John Hancock Stable Value Fund). The trust document may only be available in English.
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 adviser.
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.
Important disclosures
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.