This is a collection of individual funds that savers can use to build their own allocation in their retirement account. Savers can access more information about each fund, including the fund's prospectus, by clicking the fund's ticker in their portal. You must select funds from this list for your FutureStep plan.
Important information
An investment option's objectives, risks, charges, and expenses should be considered carefully before investing. The prospectus or fund offering/trust documents contain this and other important information. To obtain a prospectus or the fund offering/trust documents, contact FutureStep at 833-584-5167 or visit futurestepretirement.com. Please read these documents carefully before investing or sending money. These documents may only be available in English.
The total revenue John Hancock receives from any funds advised or subadvised by John Hancock's affiliates may be higher than those advised or subadvised by unaffiliated entities. John Hancock's affiliates provide exclusive advisory and subadvisory services to such funds. John Hancock and affiliates may receive additional fees, which would be included in the underlying fund8's expense ratio.
Neither asset allocation nor diversification guarantees a profit or protects against a loss. An asset allocation investment option may not be appropriate for all participants, particularly those interested in directing their own investments.
Collective investment trusts are offered through banks or trusts overseen by state or federal bank regulators and are subject to the federal laws governing retirement plan fiduciaries. Mutual funds are offered through registered investment companies overseen by the SEC.
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. The target date is the year in which an investor is assumed to retire and begin taking withdrawals.
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.
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. Certain nonindex 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. Investment policies, management fees, and other information can be found in the individual ETF's prospectus.
Like all mutual funds, index funds are subject to market risks and will fluctuate in value. Index funds are designed to track the performance of their target index, but may underperform due to fees, expenses, or tracking errors. These investments are not actively managed and do not necessarily attempt to manage volatility or protect against losses in declining markets. None of the index funds is sponsored, endorsed, managed, advised, sold, or promoted by any of the respective companies that sponsor the broad-based securities market index, and none of these companies makes any representation regarding the advisability of investing in any index mutual fund. The performance of an index is not an exact representation of any particular investment. It is not possible to invest directly in an index.
A fund's Morningstar category is a group of funds with similar investment objectives and strategies and is the equal-weighted return of all funds per category. Morningstar places funds in certain categories based on their historical portfolio holdings.
The Committee on Uniform Security Identification Procedures (CUSIP) is a registered trademark of the American Bankers Association (ABA). CUSIP Global Services is managed on behalf of the ABA by S&P Global Market Intelligence LLC.
Administrative and/or recordkeeping services to sponsors or administrators of retirement plans, as well as a platform of investment alternatives that are made available without regard to the individualized needs or determination of suitability or appropriateness of any plan or participant through an open-architecture platform, are provided by John Hancock Retirement Plan Services LLC. Unless otherwise specifically stated in writing, John Hancock Retirement Plan Services LLC does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity.
Certain recordkeeping and related services for plans may be provided on behalf of John Hancock Retirement Plan Services LLC by Vestwell Holdings Inc.
Vestwell Holdings Inc. provides various fiduciary and non-fiduciary services on its proprietary recordkeeping platform to support tax-qualified retirement plans.
Marketing support services are provided by John Hancock Distributors LLC, member FINRA, SIPC.
NOT FDIC INSURED. MAY LOSE VALUE. NOT BANK GUARANTEED.
FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC.
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