You should sign up for our mailing list here. P 500 Index, an unmanaged index of 500 common stocks, primarily issued by large U. Investment Objective and Policies Seeks to achieve the approximate aggregate total should i invest in s&p 500 index fund of a broad U.
P 500 Index by holding all, or a representative sample of, the securities that comprise the Index. P 500 Index are expected to perform similarly over the long run. January 19, 1993 and for the current underlying Portfolio is February 28, 1993. The performance data presented represents past performance. Past performance is no guarantee of future results and current performance may be lower or higher than the performance quoted.
An investment in a sub-account will fluctuate in value to reflect the value of the underlying portfolio and, when redeemed, may be worth more or less than original cost. The total revenue John Hancock receives on this Fund is higher than those advised or sub-advised exclusively by unaffiliated entities. John Hancock and its affiliates provide exclusive advisory and sub-advisory services for the underlying fund. Principal risks include:Risk of increase in expenses, exchange traded funds, derivatives, liquidity, issuer, market, Merger and Replacement Transition Risk, Credit and Counterparty, equity securities and index management. The Net expense ratio shown is for the underlying fund and reflects any fee waivers or expense reimbursements and is subject to change. Please refer to the underlying fund prospectus for additional information.
In particular, allocating assets to a small number of options concentrated in particular business or market sectors will subject your account to increased risk and volatility. Your actual costs of investing in the fund may be higher than the expenses shown in “Annual fund operating expenses” for a variety of reasons. For example, expense ratios may be higher than those shown if a fee limitation is changed or terminated or if average net assets decrease. Net assets are more likely to decrease and fund expense ratios are more likely to increase when markets are volatile. Exchange Traded Funds are a type of investment company bought and sold on a securities exchange. An ETF often represents a fixed portfolio of securities designed to track a particular market index.
The risks of owning an ETF generally reflect the risks of owning the underlying securities the ETF is designed to track. Derivatives are generally considered more risky than investing directly in securities and, in a down market, could become harder to value or sell at a fair price. A fund is exposed to liquidity risk when trading volume, lack of a market maker, or legal restrictions impair the fund’s ability to sell particular securities or close derivative positions at an advantageous price. An issuer of a security purchased by a fund may perform poorly, and, therefore, the value of its stocks and bonds may decline. Poor performance may be caused by poor management decisions, competitive pressures, breakthroughs in technology, reliance on suppliers, labor problems or shortages, corporate restructurings, fraudulent disclosures, or other factors.
The value of a fund’s securities may go down in response to overall stock or bond market movements. Markets tend to move in cycles, with periods of rising prices and periods of falling prices. Stocks tend to go up and down in value more than bonds. If the fund’s investments are concentrated in certain sectors, its performance could be worse than the overall market. In the case of Fund mergers and replacements, the affected Funds that are being merged or replaced may implement the redemption of your interest by payment in cash or by distributing assets in kind.
A fund is subject to the risk that the issuer or guarantor of a fixed-income security or other obligation, the counterparty to a derivatives contract or repurchase agreement, or the borrower of a fund’s securities will be unable or unwilling to make timely principal, interest, or settlement payments, or to otherwise honor its obligations. The value of equity securities purchased by the fund could decline if the financial condition of the companies in which the fund invests decline or if overall market and economic conditions deteriorate. Certain factors may cause the fund to track its Index less closely. For example, the manager may select securities that are not fully representative of the Index, and the fund’s transaction expenses, and the size and timing of its cash flows, may result in the fund’s performance being different than that of its Index. Fees and expenses are only one of several factors that you should consider when making investment decisions.
The cumulative effect of fees and expenses can substantially reduce the growth of your retirement account. You can visit the Employee Benefit Security Administration’s Web site for an example demonstrating the long-term effect of fees and expenses. Guaranteed Interest Accounts and which will be held in the John Hancock USA general account. In particular, allocating assets to a small number of investment options concentrated in particular business or market sectors could subject an account to increased risk and volatility. ETF or a combination of these. The ticker symbols shown are for the underlying mutual fund, collective trusts or ETFs in which sub-accounts are invested. The group annuity contract is not designed for short-term trading.
The effect of short-term trading may disrupt or be potentially disruptive to the management of the fund underlying an investment option and may thereby adversely impact the underlying fund’s performance, either by impacting fund management practices or by increasing fund transaction costs. These impacts are absorbed by other fund investors, including retirement plan participants. Participants are allowed a maximum of two exchanges per calendar month. Web, by fax, courier or mail, through our toll-free participant services line, or with a client account representative. Once the 30-day hold has expired, participants can trade again in accordance with the above guidelines. Participants can read about the short-term trading policy at www.