Open-architecture investment platform
We offer you an unlimited choice of investment options for your plan—with no proprietary fund requirements.
Open architecture gives you the freedom of choice
Working with your financial representative, you can choose from thousands of funds, with no proprietary requirements.
Mutual funds
- Access to nationally recognized fund families covering all major asset classes and investment styles
- Diversification among asset classes, investment styles, and portfolio managers
- Choice and flexibility in designing an investment lineup for your plan
Target-date and target-risk funds
- Target-date funds (TDFs) provide a professionally managed asset mix based on the anticipated year of retirement, which becomes more conservative over time.
- Target-risk funds offer a mix of risk and return that corresponds to a participant's specific risk profile.
Although the target-date funds are managed for investors on a projected retirement date timeframe, the fund’s allocation strategy does not guarantee that investors’ retirement goals will be met.
Managed accounts
John Hancock Personalized Retirement Advice1 and advisor-managed accounts2 are professionally managed and customized based on participant risk level, savings, and expected retirement date. Both types of portfolios are professionally reviewed annually and backed by Morningstar, an independent registered investment adviser. Participants may receive one-on-one phone support with their portfolios, and participants and plan sponsors both receive reporting on the accounts.
CITs
A lower-cost alternative to mutual funds with customized objectives and holdings,3 collective investment trusts (CITs) are pooled investments that are maintained by a bank or trust company. They're subject to banking regulations and oversight and, as such, aren't registered with the SEC.
- Diversification among asset classes, investment styles, and portfolio managers
- Fees are typically lower than comparable mutual funds4
Stable value funds
- An investment choice that offers stable returns while preserving capital5
- A portfolio of high-quality bonds protected from interest-rate volatility by wrap contracts
- Returns that are comparable to those of a short duration bond fund with less expected volatility
Self-directed brokerage
We offer an online brokerage window made available through TD Ameritrade6 for participants who want more investment flexibility.
- Complements the core lineup for certain experienced participants
- Gives access to a wider array of investment choices, including exchange-traded funds, stocks, bonds, Treasuries, and CDs
Learn more about our open-architecture platform
Building your plan
With five decades of retirement plan experience, we consult with you to help you navigate the opportunities, risks, and complexities of plan sponsorship.
Managing your plan
We'll make your job as an administrator and fiduciary easier, including accepting fiduciary responsibility for certain administrative tasks.
Keeping your plan secure
John Hancock uses a multilayered approach to protect plan and participant data, which includes following the DOL's best practices for cybersecurity.
Engaging your participants in the power of their plan
We provide participants with personalized guidance to help them create a plan to meet their unique financial and retirement goals.
Financial professionals—want to learn more about our flexible, scalable open-architecture platform?
Find your local John Hancock representative1 Participation in John Hancock Personalized Retirement Advice (Retirement Advice) does not guarantee investment success. Fees for this service are based on a tiered schedule and vary by account balance. For more information, consult the Retirement Advice investment advisory agreement. John Hancock Personal Financial Services, LLC (JHPFS), a registered investment adviser 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, a registered investment adviser 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 Investment Management’s performance. Morningstar Investment Management LLC is not affiliated with JHRPS, JHPFS, or its affiliates. JHPFS acts as a fiduciary with respect to the management of Retirement Advice investments. 2 Participation in the Managed Account Program (program) does not guarantee investment success. 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. 3 The fund is a collective investment trust (CIT) and is privately offered. Information on this investment is not available in local publications. CITs are offered through banks or trusts overseen by state or federal bank regulators and subject to the federal laws governing retirement plan fiduciaries. Mutual funds are offered through registered investment companies overseen by the SEC. 4 All mutual funds are subject to market risk and will fluctuate in value. 5 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. 6 John Hancock and TD Ameritrade are not affiliated, and neither is responsible for the liabilities of the other. Please note: Charles Schwab Corporation and the TD Ameritrade Institutional entered into a definitive agreement for Schwab to acquire TD Ameritrade. Schwab and TD Ameritrade Institutional will remain separate custodians until their conversion activities are completed. This is expected to take between 18 and 36 months. As we learn more information, we will communicate updates. John Hancock’s goal is to minimize the impacts to our plan sponsors and participants.
For complete information about a particular investment option, please read the fund prospectus or offering memorandum/trust document. You should carefully consider the objectives, risks, charges, and expenses before investing. The prospectus or offering memorandum/trust document contains this and other important information about the investment option and investment company. Please read these documents carefully before you invest or send money. Prospectuses or offering memorandums/trust documents may only be available in English.
Neither asset allocation nor diversification guarantees a profit or protects against a loss. There is no guarantee that any investment strategy will achieve its objectives. Investing involves risks, including the potential loss of principal.