The prospectuses (or Offering Memorandum/Trust Documents) for the sub-accounts underlying funds contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying funds which should be carefully considered before investing. The ticker symbols shown are for the underlying mutual fund, collective trusts or ETFs in which sub-accounts are invested. John Hancock reported Revenue Per Employee of 180,251 in 2022. 5A. If the fund is new and has no portfolio history, Morningstar estimates where it will fall before giving it a permanent category assignment. Because of their focus on bonds with very short durations, these portfolios offer minimal interest-rate sensitivity and therefore low risk and total return potential. All rights reserved. Stable value funds generally provide a higher return Stable value funds are also viewed as safe investments. "John Hancock Stable Value Guaranteed Income Fund provides an option to retirement . The John Hancock Stable Value Fund invests a portion of its assets in a separate investment account maintained by John Hancock Life & Health Insurance Company ('John Hancock Life & Health'), an affiliate of John Hancock USA, which has claimed an exclusion from the definition of the term 'Commodity Pool Operator' under CFTC Regulation 4.5 under the Commodity Exchange Act with respect to its . Performance data reflects changes in the prices of a sub-account's investments (including the shares of an underlying fund), reinvestment of dividends and capital gains and deductions for the Expense Ratio (ER). Morningstar data is 2023 by Morningstar, Inc. All rights reserved. If these charges were reflected, performance would be lower. GAverage Credit Quality is from a Nationally Recognized Statistical Rating Organization (NRSRO). As interest rates decline, the issuers of certain fixed income securities, including asset-backed securities, may prepay principal earlier than scheduled, forcing the applicable portfolio manager to reinvest in potentially lower yielding securities. New York Life maintains the Plan's contributions in a separate account. Moody's appends numerical modifiers 1, 2, and 3 to each generic rating classification from Aa through Caa. Any change in the FER of an underlying fund will affect the Expense Ratio of the investment option which invests in the underlying fund.The ER applies daily at a rate equivalent to the annual rate shown, and may vary to reflect changes in the expenses of an underlying fund and other factors.For Expense Ratio information current as of the most recent quarter end, please refer to the monthly Return and Fees listing available from John Hancock upon request. **A funds investment objectives, risks, charges, and expenses should be considered carefully before investing. You can visit the Employee Benefit Security Administration's Web site for an example demonstrating the long-term effect of fees and expenses. Seeks to provide steady and stable returns with liquidity and a guarantee of principal and interest. Asset-Backed Security Risk for Fixed Income. NOT BANK GUARANTEED. 2023 John Hancock. Index performance shown is for a broad-based securities market index. Although there can be no assurances that all risks can be eliminated, John Hancock as manager of the underlying funds will use its best efforts to manage and minimize such risks and costs. Where the figures are different, the underlying fund has either waived a portion of, or capped its fees, and the result of such fee waiver or cap is reflected in the net expense ratio.The waiver or cap is subject to expiration, in which case the Expense Ratio and performance of the sub account may be impacted. JOHN HANCOCK STABLE VALUE RETURN FUND R6 - Insider
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