How to read the Investment Comparative Chart

Transcription

How to read the
Investment Comparative Chart
This document aims to help you understand the terms and information found in the Investment Comparative Chart.
The Investment Comparative Chart provides you with important investment information, including applicable
fees, about the investment options available to you under your retirement plan’s group annuity contract with
John Hancock. The information is provided in an easy to read format, allowing you to make comparisons of your
investment options against a relevant broad-based index.
Note: The sample used is for illustrative purposes only and may not reflect all the investment options or all the
applicable sections of the Investment Comparative Chart specific to your plan.
1
Variable Return Investments are investment options that have returns that vary
according to the performance of each option’s underlying investments. These
underlying investments could be comprised of stocks, bonds and/or money market
instruments. More information about each investment option, such as objectives and
risks, can be obtained by going to the Fund’s corresponding URL, which can be found
under the Fund name.
2 The Average Annual Total Return represents
annualized historical returns and can be used to
evaluate and compare the historical performance
of the investment options available under your
plan. The annualized average return information
is displayed annually for the relevant time periods,
ending on the date of the most recently completed
calendar year.
3 The Benchmark Return represents the average
annual total return of the broad-based market index
that is applicable to an investment option. This
information is displayed annually for the relevant
time periods, ending on the date of the most
recently completed calendar year.
4 Equity Funds – the underlying funds of these
1
4
5
6
2
3
investment options invest in equities, more
commonly known as stocks. Equity Funds are often
categorized by market capitalization (e.g. small-cap,
mid-cap, large-cap), investment style (e.g. growth,
value, blend) and geographical concentration that
may include a focus on international, global or
country/region specific investments.
5 Bond Funds – the underlying funds of these
investment options invest primarily in bonds and
other debt instruments. The exact type of debt
the underlying fund invests in will depend on its
focus, but investments may include government,
corporate, municipal and convertible bonds, along
with other debt securities.
6 Other Funds include investment options that are
not exclusively categorized under the Equity or Bond
Fund sections of the Investment Comparative Chart;
they include investment options that span both
types, such as balanced funds or asset allocation
portfolios. This section also includes investment
options that belong to specific categories, such as
sector and index funds.
7
9
8
J
K
7
Fixed Return Investments are investment options
that provide a fixed or stated rate of return for a
stated duration.
8
Guaranteed interest account (GIA) is a type of
fixed return investment that accumulates interest
for the duration of the specified term.
9
Term refers to the number of years until the GIA
matures.
J
The Risk Categories column provides information
about the general level of risk that may be
associated with each investment option.
K
The Total Annual Operating Expenses, also
commonly referred to as the Fund’s “Expense
Ratio” is a measure of what it costs to operate
an investment option. It includes such expenses
as John Hancock’s administrative maintenance
charge (AMC), sales and service fee, and the
expenses of the underlying mutual fund. The
operating expenses of each investment option
are expressed as a percentage of its assets and
as a dollar amount per every $1000 invested.
Total fees payable depend on the dollar amount
you have invested in each Fund and are reflected
through a reduction in the Fund’s rate of return.
L
The Shareholder-type Fees column lists any
additional fees that may be charged directly your
investment and which are not already included
the Total Annual Operating Expenses of the
investment option (e.g. redemption fees).
L
This document is provided by John Hancock for informational purposes only. It is not intended to be, nor should it be construed as or be relied upon as tax, legal, financial or investment
advice. Neither John Hancock nor any of its affiliates, representatives, employees, or agents provides tax, financial, investment or legal advice.
Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock name. Group
annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life
Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment
adviser, provides investment information relating to the contracts
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY
© 2012 All Rights Reserved.
P19758-GE
06/12-20442
GA02101210541
Investment Comparative Chart
THE TRUSTEES OF AJAX TURNER CO., INC. 401(K) PROFIT SHARING PLAN
This document includes important information to help you compare the investment options available under your retirement plan. If you would
like to receive additional investment-related information on any of the investment options listed below, including more current performance
information, go to the Fund's corresponding website address (shown below) or to www.jhpensions.com. To obtain more information, or to receive
a paper copy of the information available on the websites at no cost, contact ERIC GIBBONS at (615) 280-3907 and 4010 Centrepointe Way, La
Vergne, TN, 37086
DOCUMENT SUMMARY
This document is divided into two parts. Part I consists of performance information for your retirement plan investment options and
illustrates how the investments have performed in the past. Part II outlines the fees and expenses applicable to each investment option.
PART I Performance Information
The table below focuses on the performance of investment options that do not have a fixed or stated rate of return. The table shows how these options have performed
over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment option
will perform in the future. Your investment in these options could lose money. Information about each option's principal risks is available by accessing the website
address associated with each Fund, as listed below.
The performance data presented represents past performance and current performance may be lower or higher than the performance quoted. An investment in a
subaccount will fluctuate in value to reflect the value of the sub-account's underlying securities and, when redeemed, may be worth more or less than original cost. For
month-end performance, participants please call 1-800-395-1113 or visit www.jhpensions.com.
The Average Annual Total Returns of the investment options available under your qualified plan represent the returns earned for the stated periods and are calculated
after accounting for the Total Annual Operating Expenses, as shown in Part II of this document. Performance does not reflect any applicable contract-level or certain
participant-level charges, or any redemption fees imposed by an underlying mutual fund company. These charges, if included, would otherwise reduce the total return
for a participant's account. Benchmark returns are shown for comparative purposes only. Benchmark returns represent the performance of market indices, which cannot
be invested in directly. These returns are calculated without taking into account any investment fees and/or expenses. Hypothetical returns are shown in bold.
*
VARIABLE RETURN INVESTMENTS
Risk
Category
Name/Type of Option
Average Annual Total Return
as of 12/31/2011
1 yr.
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
1 yr.
5 yr.
10 yr.
Since
Inception
2.11�
-0.24�
2.92�
15.85�
EQUITY FUNDS
87,106
John Hancock Disciplined Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/dvaa/index.html
Growth
0.32�
0.05%
4.54%
14.87%
Growth
-4.48�
-2.38%
3.50%
9.11%
Growth
& Income
2.22�
-4.19�
N/A
3.00�
0.39�
3
Eaton Vance Large-Cap Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/evla/index.html
Investment Options as of Jul/16/2012
Growth
& Income
-1.04�
-1.30�
3.62�
10.17%
3.89�
N/A
-2.63�
3.89�
3.66�
Russell 1000 Value TR
2.11�
30,31,54
T. Rowe Price Equity Income Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/d_ga/index.html
-2.63�
0.39�
5,13,73,101,102
Fundamental Large Cap Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/eqia/index.html
S&P 500 TR
-0.24�
2.92�
10.23�
S&P 500 TR
Page 1 of 24
*
Risk
Category
Name/Type of Option
as of 12/31/2011
1 yr.
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
7,86,98,100
Columbia Equity Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/reva/index.html
Growth
& Income
-6.15�
-2.29%
3.02%
Growth
& Income
-2.40�
-3.45�
3.69�
7.75%
Growth
& Income
6.81�
-0.14�
3.43%
5.02�
Growth
0.66�
-0.56�
1.97�
Growth
-2.07�
0.25%
5.20%
11.76%
Growth
-6.57�
-1.39%
2.98%
9.26%
Growth
-1.81�
0.81%
2.99%
8.82%
Growth
& Income
-4.81�
-2.36�
3.35�
-1.10�
3.14%
11.23%
Growth
& Income
2.98�
4.74%
N/A
5.45%
Growth
& Income
-2.69�
-2.62�
N/A
1.37�
Legg Mason ClearBridge Aggressive Growth Fund
8,19,74,81
Large Cap Growth
www.viewjhfunds.com/USA/C01/stwa/index.html
-3.79�
1.50%
5.66%
1.45�
-0.54�
1.87�
-5.66�
-1.70%
2.10%
-0.24�
2.92�
11.05�
-0.24�
2.92�
8.23�
-0.24�
2.92�
N/A
-0.24�
2.92�
N/A
-0.24�
2.92�
N/A
-0.24�
2.92�
1.42�
-0.01�
3.51�
3.48�
Russell 3000 TR
-0.24�
2.92�
2.56�
S&P 500 TR
8.84%
1.06%
8.27�
S&P 500 TR
2.46�
2.73�
5.35�
Russell 3000 Growth TR
2.64�
Aggressive
Growth
2.92�
S&P 500 TR
6.18%
7,103
Turner Large Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/tcga/index.html
-0.24�
S&P 500 TR
2.17�
Aggressive
Growth
5.65�
S&P 500 TR
2.11�
Aggressive
Growth
2.92�
S&P 500 TR
1.02�
3,8
Prudential Jennison 20/20 Focus Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/jtta/index.html
-0.24�
S&P 500 TR
2.11�
9,13,53,57,73,107
U.S. Equity Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/lrca/index.html
N/A
S&P 500 TR
2.11�
-1.95�
2.92�
S&P 500 TR
11.53%
Growth
& Income
-0.24�
S&P 500 TR
2.11�
33
Parnassus Equity Income Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/peia/index.html
2.11�
38,40,61,65
The Investment Company of America
Large Cap Blend
www.viewjhfunds.com/USA/C01/icaa/index.html
8.46�
2.11�
15,31,50,80,90
Davis New York Venture Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/vala/index.html
3.89�
2.11�
33
Massachusetts Investors Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/mifa/index.html
-2.63�
7.37%
7
Victory Diversified Stock Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/vdsa/index.html
0.39�
2.11�
13,31,37,61,65
Fundamental Investors
Large Cap Blend
www.viewjhfunds.com/USA/C01/afia/index.html
Since
Inception
2.11�
20,43,51,64
Domini Social Equity Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/soca/index.html
10 yr.
2.11�
38,40,61,65
Washington Mutual Investors Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/wmia/index.html
5 yr.
6.45%
41,61,96
Mutual Beacon Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/mcva/index.html
1 yr.
2.50�
2.59�
1.18�
Page 2 of 24
*
Risk
Category
Name/Type of Option
as of 12/31/2011
1 yr.
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
13,57,73,90
Blue Chip Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/bcfa/index.html
Growth
1.26�
1.67�
2.98�
1 yr.
5 yr.
10 yr.
Since
Inception
2.11�
-0.24�
2.92�
7.82�
6.22%
S&P 500 TR
2.64�
12,13,15,57,73,85,106
Capital Appreciation Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/cpaa/index.html
Growth
0.17�
2.19�
2.47�
0.36%
Growth
-4.50�
-0.20%
2.69%
-2.15%
Growth
1.31�
1.90%
2.38%
7.17%
Growth
-5.02�
-0.78�
3.35%
5.49�
Growth
-1.25�
1.81%
N/A
8.68%
Growth
-0.90�
N/A
N/A
2.40%
19,41,72,86,98,100
Growth
-8.27�
-0.69�
N/A
6.88%
Growth
0.98�
2.20�
6.47�
6.87%
1.31�
1.72�
6.14�
-0.24�
2.92�
5.65�
-0.24�
2.92�
5.01�
0.35�
7.92�
2.79�
MSCI US Mid Cap Value Index
-1.38�
Columbia Mid Cap Value Opportunity Fund
-1.71�
S&P 500 TR
-0.23�
4,13,54
SSgA Mid Cap Value Index Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/ssva/index.html
2.59�
S&P 500 TR
2.11�
7
Fidelity Advisor New Insights Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/fnia/index.html
2.50�
MSCI US Prime Market Growth Index
2.11�
9,38,40,61,65
The Growth Fund of America
Large Cap Growth
www.viewjhfunds.com/USA/C01/gfaa/index.html
-0.04�
0.60�
98
Growth Index Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/lgia/index.html
2.59�
2.64�
7,13
John Hancock Rainier Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/rlga/index.html
2.50�
0.03�
7.66�
7.50�
Russell MidCap Value TR
Mid Cap Value
www.viewjhfunds.com/USA/C01/rmva/index.html
-1.38�
13,22,77,91,106
Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/vlfa/index.html
Growth
-4.92�
1.16�
7.17%
6.56%
Fidelity Advisor Leveraged Company Stock Fund
Mid Cap Blend
www.viewjhfunds.com/USA/C01/flca/index.html
Growth
2.00�
1.60�
8.32�
11.49%
Aggressive
Growth
-10.85�
-0.64%
11.73%
11.35%
Aggressive
Growth
-9.24�
0.22�
5.52�
3.57�
Aggressive
Growth
-6.67�
5.53%
7.36%
10.84%
6.82�
0.03�
7.66�
7.81�
-0.24�
2.92�
1.32�
2.43�
5.28�
3.93�
Russell MidCap Growth TR
-1.65�
54,87
American Century Heritage Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/hera/index.html
7.66�
S&P 500 TR
-1.65�
13,23,41,47,73,90
Mid Cap Stock Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/mcsa/index.html
0.03�
2.11�
3
8.92�
-1.38�
12,32,71
JP Morgan Mid Cap Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/mida/index.html
7.66�
-1.38�
13,22,31,41,53,91
Mid Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/mvfa/index.html
0.03�
2.43�
5.28�
10.21�
Page 3 of 24
*
Risk
Category
Name/Type of Option
as of 12/31/2011
1 yr.
Franklin Small-Mid Cap Growth Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/scga/index.html
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
Aggressive
Growth
-4.89�
2.34�
3.87�
9.68%
Aggressive
Growth
-13.21�
-0.24�
7.36%
10.77%
Small Cap Value Index Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/visa/index.html
Aggressive
Growth
-6.77�
-1.11%
7.67%
Growth
-4.65�
-0.82�
5.59%
Growth
1.04�
3.23�
9.44%
Aggressive
Growth
-7.29�
-1.84%
7.92%
11.70%
Aggressive
Growth
-3.64�
0.86�
6.17%
9.41%
Growth
-2.63�
-2.25�
N/A
6.82�
2.06�
8.77�
3.20�
6.89%
6.19%
Aggressive
Growth
-2.37�
0.78�
4.17%
8.32%
-6.80�
1.04�
5.06%
-1.27�
2.73�
4.24�
-1.52�
-1.74�
N/A
5.30�
6.40�
7.95�
0.15�
5.61�
2.13�
0.15�
5.61�
6.65�
0.15�
5.61�
8.53�
-1.87�
6.40�
10.06�
3.72�
6.08�
6.37�
2.88�
5.22�
N/A
2.08�
4.47�
3.69�
2.08�
4.47�
4.76�
1.02�
Growth
-1.87�
9.07%
5,13,22,38,50,91,101,103
Fundamental All Cap Core Fund
Multi Cap Blend
www.viewjhfunds.com/USA/C01/qaca/index.html
7.05�
MSCI US Small Cap Growth Index
-2.90�
Aggressive
Growth
7.64�
3.69%
17,18,44,57,67
Invesco Small Cap Growth Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/scoa/index.html
-0.25�
Russell 2000 TR
-2.90�
Aggressive
Growth
8.49�
Russell 2000 TR
-1.57�
13,22,41,53,91
Small Cap Growth Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/scfa/index.html
6.40�
Russell 2000 TR
-1.52�
-2.06�
-1.87�
11.22%
Aggressive
Growth
6.65�
MSCI US Small Cap Value Index
-5.50�
-0.97�
5.61�
-4.17�
Growth
0.15�
Russell 2000 TR
-4.17�
39
Explorer Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/expa/index.html
-4.17�
41
Small Cap Growth Index Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/vsga/index.html
8.15�
12.64%
12,59
T. Rowe Price Small Cap Value Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/msoa/index.html
5.28�
-5.50�
13,16,38,41,47,49,73,75
Small Cap Opportunities Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/spoa/index.html
2.43�
5.86%
31,54
DFA US Small Cap Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/scpa/index.html
-1.65�
-4.04�
7
Keeley Small Cap Value Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/ksva/index.html
Since
Inception
9.76%
13,22,23,53,91
Small Cap Value Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/smva/index.html
10 yr.
-5.50�
25
DFA U.S. Targeted Value Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/duta/index.html
5 yr.
-4.17�
36,39
Royce Opportunity Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/oppa/index.html
1 yr.
-0.01�
3.51�
6.25�
Russell 3000 TR
Page 4 of 24
*
Risk
Category
Name/Type of Option
as of 12/31/2011
1 yr.
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
12,13,41,73
All Cap Value Fund
Multi Cap Blend
www.viewjhfunds.com/USA/C01/acva/index.html
DFA Emerging Markets Value Fund
International/Global Value
www.viewjhfunds.com/USA/C01/dema/index.html
Growth
-4.11�
1.86�
4.32�
DFA International Value Fund
www.viewjhfunds.com/USA/C01/dvfa/index.html
Aggressive
Growth
-25.99�
2.69�
17.13%
Aggressive
Growth
-18.24�
-2.32�
6.78�
4.86%
Aggressive
Growth
-17.27�
-5.85�
7.02%
Aggressive
Growth
-12.92�
-4.01�
5.30�
Growth
-5.49�
-2.35�
4.97�
11.60%
Aggressive
Growth
-13.73�
-1.64�
6.22%
10.83%
Growth
-7.70�
-1.11%
7.31%
10.09%
7.83�
-4.81�
N/A
2.76�
Aggressive
Growth
-18.06�
5.65�
17.56�
14.46%
-0.64%
6.61%
8.58%
Aggressive
Growth
-14.26�
1.68%
11.24%
-8.22�
-2.17�
N/A
-1.11�
4.66�
1.89�
-2.36�
3.61�
9.52�
-2.48�
6.75�
N/A
-2.36�
3.61�
6.36�
-2.36�
3.61�
6.47�
-4.72�
4.66�
1.93�
2.40�
13.85�
N/A
-1.30�
7.23�
N/A
MSCI All Country World Small Cap
-1.93�
4.24�
2.00�
MSCI All Country World
-11.83�
Aggressive
Growth
-4.72�
MSCI Emerging Markets
8.09%
13
John Hancock International Growth Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/igra/index.html
2.07�
MSCI EAFE TR
-7.34�
13,37,61,65
New World Fund
www.viewjhfunds.com/USA/C01/anwa/index.html
2.56�
MSCI World TR
-12.75�
-14.47�
-6.70�
MSCI World TR
-18.42�
Aggressive
Growth
6.16�
MSCI All Country World Index ex U.S.
-12.14�
-16.79�
11.11�
MSCI World TR
12.07%
Aggressive
Growth
-0.99�
MSCI EAFE TR
-5.54�
1.17�
N/A
MSCI World ex USA
-5.54�
-2.93�
13.85�
Citigroup Global ex USA <�2billion
-13.32�
Growth
& Income
2.40�
MSCI Emerging Markets
-5.54�
13,37,61,65
SMALLCAP World Fund
www.viewjhfunds.com/USA/C01/aswa/index.html
3.38�
21,56
Oppenheimer Developing Markets Fund
www.viewjhfunds.com/USA/C01/dmka/index.html
3.41�
-12.14�
13,53,57,73
International Opportunities Fund
www.viewjhfunds.com/USA/C01/iofa/index.html
4.08�
5.51%
42,61
Mutual Global Discovery Fund
International/Global Blend
www.viewjhfunds.com/USA/C01/disa/index.html
-2.57�
-14.77�
13,37,61,65
Capital World Growth and Income Fund
www.viewjhfunds.com/USA/C01/cgia/index.html
-0.10�
-19.60�
38,40,41,47,61,65,85
EuroPacific Growth Fund
www.viewjhfunds.com/USA/C01/epga/index.html
Since
Inception
13.79%
41,80,81
Templeton World Fund
www.viewjhfunds.com/USA/C01/diva/index.html
10 yr.
-18.42�
9,13,23,47,73
International Value Fund
www.viewjhfunds.com/USA/C01/itva/index.html
5 yr.
4.13�
13,41,73
International Small Cap Fund
www.viewjhfunds.com/USA/C01/isfa/index.html
1 yr.
-3.27�
4.37�
-3.42�
MSCI EAFE (S&P/Citigroup PMI EPAC Growth Index)
Page 5 of 24
*
Risk
Category
Name/Type of Option
as of 12/31/2011
1 yr.
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
3
Oppenheimer International Growth Fund
www.viewjhfunds.com/USA/C01/oiga/index.html
Aggressive
Growth
-7.55�
-0.60%
N/A
Aggressive
Growth
-13.27�
N/A
N/A
-0.81%
Growth
-8.69�
-1.63�
4.94�
11.39%
Since
Inception
-12.14�
-4.72�
4.66�
1.40�
MSCI EAFE TR
-7.77�
0.46%
5.90%
4.66�
-5.60�
-2.36�
3.61�
8.39�
MSCI World TR
-5.54�
Growth
-4.72�
MSCI EAFE TR
-5.54�
13,37,61,65
New Perspective Fund
www.viewjhfunds.com/USA/C01/anpa/index.html
10 yr.
-12.14�
29,56,81
Oppenheimer Global Fund
www.viewjhfunds.com/USA/C01/wwfa/index.html
5 yr.
4.65%
33
Thornburg International Value Fund
www.viewjhfunds.com/USA/C01/tiva/index.html
1 yr.
11.89%
-2.36�
3.61�
8.14�
MSCI World TR
BOND FUNDS
7.84�
41,62
PIMCO Total Return Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/trna/index.html
Income
3.64�
7.55�
6.27�
7.73%
Income
7.57�
5.80%
4.74%
6.39%
PIMCO Real Return Fund
High Quality Long Term Fixed Income
www.viewjhfunds.com/USA/C01/prra/index.html
Income
11.01�
7.82�
7.33%
7.62%
T. Rowe Price Spectrum Income Fund
Medium Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/inca/index.html
Income
3.79�
5.34�
6.44�
7.21%
Income
2.02�
7.70�
N/A
7.09�
Income
1.33�
6.17�
7.12�
5.19%
1.78�
4.81%
7.09%
8.12%
Income
8.65�
8.10�
8.48%
6.61%
Income
-0.45�
6.44%
10.42%
9.01%
Income
3.63�
5.42%
7.60%
6.96%
6.50�
5.77�
7.06�
6.50�
5.77�
5.89�
7.15�
8.67�
6.97�
7.11�
9.07�
8.83�
7.59�
7.94�
6.43�
N/A
N/A
5.17�
Citigroup Non-U.S. � World Gov't Bond Index
5.64�
13,37,61,65
Capital World Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/cwba/index.html
7.78�
J.P. Morgan Global Bond Unhedged
N/A
7,56
Oppenheimer International Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/oiba/index.html
7.57�
Credit Suisse High Yield
7.70�
34,55
PIMCO Global Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/pfba/index.html
7.95�
Citigroup Hi-Yld TR
5.46�
Income
7.64�
BarCap U.S. Aggregate Bond TR
5.51�
13,37,61,65
American High-Income Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/ahia/index.html
5.64�
7.84�
13,45,54,69,73
High Yield Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/hyfa/index.html
6.62�
BarCap U.S. TIPS
7.84�
8,13,15,22,39,48,91,101
Strategic Income Opportunities Fund
www.viewjhfunds.com/USA/C01/sima/index.html
7.39�
Citi USBIG Govt/Mort (Citigroup
Treasury/Gov't Sponsored Mort)
13.56�
38
5.77�
8.94�
13,37,61,65
U.S. Government Securities Fund
www.viewjhfunds.com/USA/C01/agsa/index.html
6.50�
6.46�
7.15�
N/A
Barcap Global Aggregate
Page 6 of 24
*
Risk
Category
Name/Type of Option
as of 12/31/2011
1 yr.
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
1 yr.
5 yr.
10 yr.
Since
Inception
2.11�
-0.24�
2.92�
5.01�
OTHER FUNDS
Franklin Templeton Founding Funds Allocation Fund
Balanced
www.viewjhfunds.com/USA/C01/tffa/index.html
7,61
Growth
& Income
-2.02�
-1.77%
N/A
4.69%
2.11�
33
Ivy Asset Strategy Fund
Balanced
www.viewjhfunds.com/USA/C01/iasa/index.html
Growth
& Income
-7.68�
5.63%
9.58%
7.63%
Growth
& Income
2.63�
0.54%
6.47%
9.28%
Growth
& Income
5.34�
1.28%
5.89%
10.94%
Growth
& Income
-3.76�
N/A
N/A
0.04%
Growth
& Income
3.67�
2.25�
4.72%
10.32%
Growth
& Income
-3.67�
3.61%
8.13%
10.41%
Growth
& Income
1.88�
5.09�
N/A
6.97%
Growth
& Income
0.75�
N/A
N/A
1.29%
Growth
& Income
-5.95�
-0.49%
N/A
-0.11%
Aggressive
Growth
-14.24�
-3.45�
5.90�
5.48%
Aggressive
Growth
-4.50�
-0.18�
4.98�
4.62%
Growth
-2.25�
2.86�
6.46�
6.26%
Growth
0.27�
0.01�
3.42�
1.41%
-2.67�
-0.24�
2.92�
10.89�
-1.39�
4.71�
N/A
6.90�
6.65�
6.04�
-0.24�
2.92�
1.75�
1.21�
1.76�
1.76�
-2.92�
6.31�
N/A
0.15�
5.61�
5.26�
3.31�
7.03�
6.82�
S&P MidCap 400 TR
0.97�
13,22,29,76,91,101
Total Stock Market Index Fund
Index
www.viewjhfunds.com/USA/C01/tsma/index.html
3.61�
Russell 2000 TR
-1.73�
13,22,48,57,76,82,91,101
Mid Cap Index Fund
Index
www.viewjhfunds.com/USA/C01/mcia/index.html
-2.36�
MSCI AC World Free ex US
-4.17�
13,22,29,76,91,101
Small Cap Index Fund
Index
www.viewjhfunds.com/USA/C01/scia/index.html
10.37�
Citigroup 1 Month Treasury Bill Index
-13.70�
13,15,21,22,29,76,91
International Equity Index Fund
Index
www.viewjhfunds.com/USA/C01/iifa/index.html
2.92�
S&P 500 (75� S&P 500/25� BarCap Agg Bond)
0.05�
33
Managers AMG FQ Global Alternatives Fund
Balanced
www.viewjhfunds.com/USA/C01/amga/index.html
-0.24�
BarCap US Govt Infln Lkd 1-10 Yr TR
2.11�
11,13,37,60,101
Core Diversified Growth & Income Portfolio
Balanced
www.viewjhfunds.com/USA/C01/adga/index.html
8.21�
FTSE World
8.99�
39
PIMCO All Asset Fund
Balanced
www.viewjhfunds.com/USA/C01/aafa/index.html
2.92�
-6.48�
3,57,63
BlackRock Global Allocation Fund
Balanced
www.viewjhfunds.com/USA/C01/bgaa/index.html
-0.24�
MSCI World (70� S&P 500/30� BarCap Agg Bond)
2.11�
31,38,40,50,61,65
American Balanced Fund
Balanced
www.viewjhfunds.com/USA/C01/abfa/index.html
0.46�
-5.54�
11,13,37,60,101
Core Global Diversification Portfolio
Balanced
www.viewjhfunds.com/USA/C01/agda/index.html
2.92�
S&P 500 TR
2.11�
13,37,61,65
The Income Fund of America
Balanced
www.viewjhfunds.com/USA/C01/ifaa/index.html
-0.24�
S&P 500 TR
2.11�
13,37,61,65
Capital Income Builder
Balanced
www.viewjhfunds.com/USA/C01/ciba/index.html
0.12�
3.80�
1.68�
DJ Wilshire 5000 TR
Page 7 of 24
*
as of 12/31/2011
Risk
Category
Name/Type of Option
1 yr.
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
9,13,22,76,91,101
500 Index Fund
Index
www.viewjhfunds.com/USA/C01/inda/index.html
Growth
& Income
1.57�
-0.73�
2.37�
Aggressive
Growth
-16.70�
8.65%
17.70%
8.21%
Aggressive
Growth
9.38�
-1.10�
10.58�
10.03%
Aggressive
Growth
-2.24�
3.31�
13.58%
Aggressive
Growth
-4.78�
3.85�
1.85�
10.20%
Aggressive
Growth
-7.75�
4.66�
1.99�
2.72%
Aggressive
Growth
-9.51�
-5.82�
1.94�
1.14�
Aggressive
Growth
10.61�
7.21�
7.11�
6.59�
5.01�
10.03�
11.42%
Conservative
2.12�
2.92�
N/A
3.09�
Asset
Allocation
- Lifecycle
N/A
N/A
N/A
-12.20%
Asset
Allocation
- Lifecycle
-5.23�
-0.42�
N/A
0.37�
Asset
Allocation
- Lifecycle
-5.13�
-0.41�
N/A
0.39�
Asset
Allocation
- Lifecycle
-5.19�
-0.39�
N/A
0.41�
N/A
4.67�
11.65�
N/A
2.73�
1.55�
9.14�
Lipper Science & Technology
2.73�
1.55�
4.62�
Lipper Science & Technology
-16.89�
-4.59�
-4.71�
S&P 500 Financial
4.97�
4.00�
9.14�
Lipper Health/Biotechnology Index
3.71�
6.43�
7.63�
S&P 500 Sec/Utilities TR
1.36�
1.85�
1.79�
Citigroup U.S. Domestic 3 Mo TBill TR
-0.24�
2.92�
N/A
S&P 500 TR
2.11�
-0.24�
2.92�
0.58�
S&P 500 TR
2.11�
-0.24�
2.92�
0.58�
S&P 500 TR
2.11�
13,46,101
Retirement Living at 2035
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxga/index.html
10.16�
S&P Energy Sector Index
2.11�
13,46,101
www.viewjhfunds.com/USA/C01/lxha/index.html
9.81�
Morgan Stanley REIT
0.07�
13,46,101
www.viewjhfunds.com/USA/C01/lxia/index.html
-1.51�
19.91�
Growth
2.92�
S&P 500 (S&P 500/S&P Citigroup BMI Gbl Gold)
11.31%
13,97
www.viewjhfunds.com/USA/C01/lxja/index.html
-0.24�
9.30�
13,26,27,39,52,89
John Hancock Stable Value Fund
High Quality Short Term Fixed Income
www.viewjhfunds.com/USA/C01/msva/index.html
S&P 500 TR
-17.06�
12,14,61
MFS Utilities Fund
Sector
www.viewjhfunds.com/USA/C01/ulfa/index.html
7.77�
-5.81�
12,14,57
T. Rowe Price Health Sciences Fund
Sector
www.viewjhfunds.com/USA/C01/hlsa/index.html
2.92�
-5.81�
12,13,14,15,22,91
Financial Services Fund
Sector
www.viewjhfunds.com/USA/C01/fsfa/index.html
-0.24�
12.29%
13,14,22,57,62,91,92
Science & Technology Fund
Sector
www.viewjhfunds.com/USA/C01/stfa/index.html
2.11�
4.72�
14,62
T. Rowe Price Science & Technology Fund
Sector
www.viewjhfunds.com/USA/C01/scta/index.html
Since
Inception
8.69�
14,34,66
Energy Fund
Sector
www.viewjhfunds.com/USA/C01/vena/index.html
10 yr.
2.11�
13,14,57,73
Real Estate Securities Fund
Sector
www.viewjhfunds.com/USA/C01/refa/index.html
5 yr.
7.03%
33,93
Fidelity Advisor Gold Fund
Sector
www.viewjhfunds.com/USA/C01/fgaa/index.html
1 yr.
-0.24�
2.92�
0.58�
S&P 500 TR
Page 8 of 24
*
Risk
Category
Name/Type of Option
as of 12/31/2011
1 yr.
5 yr.
10 yr.
†
Benchmark Return
as of 12/31/2011
Since
Inception
13,46,101
www.viewjhfunds.com/USA/C01/lxfa/index.html
Asset
Allocation
- Lifecycle
-4.73�
-0.40�
N/A
0.36�
Asset
Allocation
- Lifecycle
-3.82�
0.02�
N/A
0.74�
Asset
Allocation
- Lifecycle
-2.49�
0.74�
N/A
1.41�
Asset
Allocation
- Lifecycle
-1.10�
1.30�
N/A
1.92�
Asset
Allocation
- Lifecycle
-0.03�
1.91�
N/A
2.48�
Asset
Allocation
- Lifestyle
-6.76�
-1.53�
3.82�
Asset
Allocation
- Lifestyle
-4.94�
0.11�
4.37�
3.81�
Asset
Allocation
- Lifestyle
-2.20�
1.52�
5.03�
4.72�
Asset
Allocation
- Lifestyle
1.02�
3.16�
5.28�
3.05�
4.55�
5.46�
0.58�
-0.24�
2.92�
0.58�
-0.24�
2.92�
0.58�
-0.24�
2.92�
0.58�
-0.24�
2.92�
3.74�
S&P 500 TR
-0.24�
2.92�
3.74�
-0.24�
2.92�
3.74�
5.31�
5.75�
2.92�
6.50�
5.77�
6.16�
BarCap Agg Bond (40� S&P
500/60� BarCap Agg Bond)
7.84�
Asset
Allocation
- Lifestyle
-0.24�
7.84�
13,68,101
Lifestyle Fund - Conservative Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/clsa/index.html
2.11�
13,31,68,101
Lifestyle Fund - Moderate Portfolio
www.viewjhfunds.com/USA/C01/mlsa/index.html
0.58�
2.11�
9,13,68,101
Lifestyle Fund - Balanced Portfolio
www.viewjhfunds.com/USA/C01/blsa/index.html
2.92�
2.62�
13,68,101
Lifestyle Fund - Growth Portfolio
www.viewjhfunds.com/USA/C01/glsa/index.html
-0.24�
2.11�
13,68,101
Lifestyle Fund - Aggressive Portfolio
www.viewjhfunds.com/USA/C01/alsa/index.html
2.11�
2.11�
13,46,57,101
www.viewjhfunds.com/USA/C01/lxba/index.html
Since
Inception
2.11�
13,46,101
www.viewjhfunds.com/USA/C01/lxca/index.html
10 yr.
2.11�
13,46,101
www.viewjhfunds.com/USA/C01/lxda/index.html
5 yr.
2.11�
13,46,101
www.viewjhfunds.com/USA/C01/lxea/index.html
1 yr.
6.50�
5.77�
6.16�
BarCap Agg Bond (20� S&P
500/80� BarCap Agg Bond)
Page 9 of 24
FIXED RETURN INVESTMENTS
The table below focuses on the performance of investment options that have a fixed or stated return. The table shows the annual 'new money' rate for each Guaranteed
Interest Account, the term or length of the option, and other information relevant to performance.
Name/Type of Option
71,78,83
10-Year Guaranteed
Ten Year Guaranteed Interest Account
www.viewjhfunds.com/USA/C01/giaa/index.html
Risk
Category
Return
as of 07/01/2012
Term
Other
Conservative
0.80�
10-year
"Return" shown represents the annual interest rates that
is established on the first day of the month indicated. That
interest rate is applied to all contributions made to the
account in that month. John Hancock may adjust the rate of
return prospectively, as each month, a new rate is declared
and applied to contributions made that month. You may call
1-800-395-1113 to obtain the most recent rate.
At the end of each reporting year, a "composite interest
rate" is determined. The composite interest rate is a
dollar-weighted average rate of all contributions to that
Guaranteed Interest Account during that reporting year. A
separate composite interest rate is calculated for each GIA
term and each reporting year, if applicable. For example,
separate composite interest rates would be calculated for
deposits made to the 3-year and 10-year GIAs. Further,
separate composite interest rates would be calculated for
the 3-year GIAs from one reporting year to another. The
GIA balance will continue to earn that reporting year's
composite interest rate until the end of the guaranteed term.
Participants with assets in a Guaranteed Interest Account
can obtain more information on the composite interest rate
that applies to their account by calling Participant Services
at 1-800-395-1113 or viewing their most current Participant
Statement.
PART II Fee and Expense Information
This section shows fee and expense information for the investment options listed above. Below you will find the Total Annual Operating Expenses and Shareholder-type
Fees (if applicable) as they relate to each investment option. Total Annual Operating Expenses are expenses that reduce the rate of return of the investment option. It is
important to understand that the investment rate of return, as set out in the Performance Information section, is calculated net of the Total Annual Operating Expenses
of the investment option. However, such returns do not take into account any applicable Shareholder-type fees, which are in addition to the Total Annual Operating
Expenses of the investment option.
The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor's website for an example
showing the long-term effect of fees and expenses at www.dol.gov/ebsa/publications/401k_employee.html. Fees and expenses are only one of many factors to consider
when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you
achieve your financial goals.
FEES AND EXPENSES
Risk
Category
Name/Type of Option
Total Annual Operating Expenses
as of 06/30/2012
As a �
Per �1000
Shareholder-Type Fees
EQUITY FUNDS
87,106
John Hancock Disciplined Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/dvaa/index.html
3
Eaton Vance Large-Cap Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/evla/index.html
5,13,73,101,102
Fundamental Large Cap Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/eqia/index.html
Growth
0.90�
�9.00
N/A
Growth
0.98�
�9.80
N/A
Growth
& Income
0.78�
�7.80
N/A
Page 10 of 24
FEES AND EXPENSES
Risk
Category
Name/Type of Option
30,31,54
T. Rowe Price Equity Income Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/d_ga/index.html
7,86,98,100
Columbia Equity Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/reva/index.html
41,61,96
Mutual Beacon Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/mcva/index.html
38,40,61,65
Washington Mutual Investors Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/wmia/index.html
20,43,51,64
Domini Social Equity Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/soca/index.html
13,31,37,61,65
Fundamental Investors
Large Cap Blend
www.viewjhfunds.com/USA/C01/afia/index.html
7
Victory Diversified Stock Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/vdsa/index.html
33
Massachusetts Investors Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/mifa/index.html
15,31,50,80,90
Davis New York Venture Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/vala/index.html
38,40,61,65
The Investment Company of America
Large Cap Blend
www.viewjhfunds.com/USA/C01/icaa/index.html
33
Parnassus Equity Income Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/peia/index.html
9,13,53,57,73,107
U.S. Equity Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/lrca/index.html
3,8
Prudential Jennison 20/20 Focus Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/jtta/index.html
Legg Mason ClearBridge Aggressive Growth Fund
8,19,74,81
Large Cap Growth
www.viewjhfunds.com/USA/C01/stwa/index.html
as of 06/30/2012
As a �
Per �1000
Growth
& Income
1.02�
�10.20
N/A
Growth
& Income
1.18�
�11.80
N/A
Growth
& Income
1.09�
�10.90
N/A
Growth
& Income
0.80�
�8.00
N/A
Growth
1.25�
�12.50
Redemption fee of 2.000� on all exchanges within a 30 day
43
period. See Important Notes for details.
Growth
0.81�
�8.10
N/A
Growth
1.11�
�11.10
N/A
Growth
0.78�
�7.80
N/A
Growth
& Income
0.92�
�9.20
N/A
Growth
& Income
0.80�
�8.00
N/A
Growth
& Income
1.10�
�11.00
N/A
Growth
& Income
0.84�
�8.40
N/A
Aggressive
Growth
1.14�
�11.40
N/A
Aggressive
Growth
1.24�
�12.40
N/A
Page 11 of 24
FEES AND EXPENSES
Risk
Category
Name/Type of Option
7,103
Turner Large Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/tcga/index.html
13,57,73,90
Blue Chip Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/bcfa/index.html
12,13,15,57,73,85,106
Capital Appreciation Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/cpaa/index.html
7,13
John Hancock Rainier Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/rlga/index.html
98
Growth Index Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/lgia/index.html
9,38,40,61,65
The Growth Fund of America
Large Cap Growth
www.viewjhfunds.com/USA/C01/gfaa/index.html
7
Fidelity Advisor New Insights Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/fnia/index.html
4,13,54
SSgA Mid Cap Value Index Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/ssva/index.html
Columbia Mid Cap Value Opportunity Fund
19,41,72,86,98,100
as of 06/30/2012
As a �
Per �1000
Aggressive
Growth
1.04�
�10.40
N/A
Growth
0.86�
�8.60
N/A
Growth
0.78�
�7.80
N/A
Growth
1.30�
�13.00
N/A
Growth
0.60�
�6.00
N/A
Growth
0.83�
�8.30
N/A
Growth
1.32�
�13.20
N/A
Growth
0.66�
�6.60
N/A
Growth
1.18�
�11.80
N/A
Growth
0.83�
�8.30
N/A
Growth
1.06�
�10.60
N/A
Growth
1.16�
�11.60
N/A
Aggressive
Growth
1.35�
�13.50
N/A
Aggressive
Growth
0.93�
�9.30
N/A
Mid Cap Value
www.viewjhfunds.com/USA/C01/rmva/index.html
13,22,77,91,106
Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/vlfa/index.html
13,22,31,41,53,91
Mid Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/mvfa/index.html
12,32,71
JP Morgan Mid Cap Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/mida/index.html
Fidelity Advisor Leveraged Company Stock Fund
Mid Cap Blend
www.viewjhfunds.com/USA/C01/flca/index.html
13,23,41,47,73,90
Mid Cap Stock Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/mcsa/index.html
3
Page 12 of 24
FEES AND EXPENSES
Risk
Category
Name/Type of Option
54,87
as of 06/30/2012
As a �
Per �1000
American Century Heritage Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/hera/index.html
Aggressive
Growth
1.16�
�11.60
N/A
Franklin Small-Mid Cap Growth Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/scga/index.html
Aggressive
Growth
1.00�
�10.00
N/A
Aggressive
Growth
1.47�
�14.70
N/A
DFA U.S. Targeted Value Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/duta/index.html
Aggressive
Growth
0.88�
�8.80
N/A
Small Cap Value Index Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/visa/index.html
Growth
0.85�
�8.50
N/A
Growth
1.33�
�13.30
N/A
Aggressive
Growth
1.35�
�13.50
N/A
Aggressive
Growth
0.87�
�8.70
N/A
Growth
1.04�
�10.40
N/A
Growth
1.33�
�13.30
59
Aggressive
Growth
0.74�
�7.40
N/A
Aggressive
Growth
1.00�
�10.00
N/A
Aggressive
Growth
1.16�
�11.60
N/A
Aggressive
Growth
1.27�
�12.70
N/A
Growth
0.76�
�7.60
N/A
36,39
Royce Opportunity Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/oppa/index.html
25
13,22,23,53,91
Small Cap Value Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/smva/index.html
7
Keeley Small Cap Value Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/ksva/index.html
31,54
DFA US Small Cap Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/scpa/index.html
13,16,38,41,47,49,73,75
Small Cap Opportunities Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/spoa/index.html
12,59
T. Rowe Price Small Cap Value Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/msoa/index.html
41
Small Cap Growth Index Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/vsga/index.html
39
Explorer Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/expa/index.html
13,22,41,53,91
Small Cap Growth Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/scfa/index.html
17,18,44,57,67
Invesco Small Cap Growth Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/scoa/index.html
5,13,22,38,50,91,101,103
Fundamental All Cap Core Fund
Multi Cap Blend
www.viewjhfunds.com/USA/C01/qaca/index.html
Page 13 of 24
FEES AND EXPENSES
Risk
Category
Name/Type of Option
12,13,41,73
All Cap Value Fund
Multi Cap Blend
www.viewjhfunds.com/USA/C01/acva/index.html
as of 06/30/2012
As a �
Per �1000
Growth
0.87�
�8.70
N/A
Aggressive
Growth
1.11�
�11.10
N/A
International Small Cap Fund
www.viewjhfunds.com/USA/C01/isfa/index.html
Aggressive
Growth
1.20�
�12.00
N/A
DFA International Value Fund
www.viewjhfunds.com/USA/C01/dvfa/index.html
Aggressive
Growth
0.95�
�9.50
N/A
Aggressive
Growth
0.97�
�9.70
N/A
Growth
1.07�
�10.70
N/A
Aggressive
Growth
1.00�
�10.00
N/A
Growth
0.95�
�9.50
N/A
Growth
& Income
1.26�
�12.60
N/A
Aggressive
Growth
1.02�
�10.20
N/A
Aggressive
Growth
1.25�
�12.50
N/A
Aggressive
Growth
1.22�
�12.20
N/A
Aggressive
Growth
1.16�
�11.60
N/A
Aggressive
Growth
1.15�
�11.50
N/A
Aggressive
Growth
1.12�
�11.20
N/A
DFA Emerging Markets Value Fund
www.viewjhfunds.com/USA/C01/dema/index.html
13,41,73
9,13,23,47,73
International Value Fund
www.viewjhfunds.com/USA/C01/itva/index.html
41,80,81
Templeton World Fund
www.viewjhfunds.com/USA/C01/diva/index.html
38,40,41,47,61,65,85
EuroPacific Growth Fund
www.viewjhfunds.com/USA/C01/epga/index.html
13,37,61,65
Capital World Growth and Income Fund
www.viewjhfunds.com/USA/C01/cgia/index.html
42,61
Mutual Global Discovery Fund
www.viewjhfunds.com/USA/C01/disa/index.html
13,53,57,73
International Opportunities Fund
www.viewjhfunds.com/USA/C01/iofa/index.html
21,56
Oppenheimer Developing Markets Fund
www.viewjhfunds.com/USA/C01/dmka/index.html
13,37,61,65
SMALLCAP World Fund
www.viewjhfunds.com/USA/C01/aswa/index.html
13,37,61,65
New World Fund
www.viewjhfunds.com/USA/C01/anwa/index.html
13
John Hancock International Growth Fund
www.viewjhfunds.com/USA/C01/igra/index.html
3
Oppenheimer International Growth Fund
www.viewjhfunds.com/USA/C01/oiga/index.html
Page 14 of 24
FEES AND EXPENSES
Risk
Category
Name/Type of Option
33
Thornburg International Value Fund
www.viewjhfunds.com/USA/C01/tiva/index.html
29,56,81
Oppenheimer Global Fund
www.viewjhfunds.com/USA/C01/wwfa/index.html
13,37,61,65
New Perspective Fund
www.viewjhfunds.com/USA/C01/anpa/index.html
as of 06/30/2012
As a �
Per �1000
Aggressive
Growth
1.25�
�12.50
N/A
Growth
1.15�
�11.50
N/A
Growth
0.96�
�9.60
N/A
Income
0.96�
�9.60
N/A
Income
0.79�
�7.90
N/A
Income
0.95�
�9.50
N/A
Income
1.04�
�10.40
N/A
Income
0.83�
�8.30
N/A
Income
0.76�
�7.60
N/A
Income
0.87�
�8.70
N/A
Income
1.05�
�10.50
N/A
Income
0.98�
�9.80
N/A
Income
1.03�
�10.30
N/A
BOND FUNDS
41,62
PIMCO Total Return Fund
www.viewjhfunds.com/USA/C01/trna/index.html
13,37,61,65
U.S. Government Securities Fund
www.viewjhfunds.com/USA/C01/agsa/index.html
38
PIMCO Real Return Fund
High Quality Long Term Fixed Income
www.viewjhfunds.com/USA/C01/prra/index.html
T. Rowe Price Spectrum Income Fund
www.viewjhfunds.com/USA/C01/inca/index.html
8,13,15,22,39,48,91,101
Strategic Income Opportunities Fund
www.viewjhfunds.com/USA/C01/sima/index.html
13,45,54,69,73
High Yield Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/hyfa/index.html
13,37,61,65
American High-Income Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/ahia/index.html
34,55
PIMCO Global Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/pfba/index.html
7,56
Oppenheimer International Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/oiba/index.html
13,37,61,65
Capital World Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/cwba/index.html
OTHER FUNDS
Franklin Templeton Founding Funds Allocation Fund
Balanced
www.viewjhfunds.com/USA/C01/tffa/index.html
7,61
Growth
& Income
1.06�
�10.60
N/A
Page 15 of 24
FEES AND EXPENSES
Risk
Category
Name/Type of Option
33
Ivy Asset Strategy Fund
Balanced
www.viewjhfunds.com/USA/C01/iasa/index.html
13,37,61,65
Capital Income Builder
Balanced
www.viewjhfunds.com/USA/C01/ciba/index.html
13,37,61,65
The Income Fund of America
Balanced
www.viewjhfunds.com/USA/C01/ifaa/index.html
11,13,37,60,101
Core Global Diversification Portfolio
Balanced
www.viewjhfunds.com/USA/C01/agda/index.html
31,38,40,50,61,65
American Balanced Fund
Balanced
www.viewjhfunds.com/USA/C01/abfa/index.html
3,57,63
BlackRock Global Allocation Fund
Balanced
www.viewjhfunds.com/USA/C01/bgaa/index.html
39
PIMCO All Asset Fund
Balanced
www.viewjhfunds.com/USA/C01/aafa/index.html
11,13,37,60,101
Core Diversified Growth & Income Portfolio
Balanced
www.viewjhfunds.com/USA/C01/adga/index.html
33
Managers AMG FQ Global Alternatives Fund
Balanced
www.viewjhfunds.com/USA/C01/amga/index.html
13,15,21,22,29,76,91
International Equity Index Fund
Index
www.viewjhfunds.com/USA/C01/iifa/index.html
13,22,29,76,91,101
Small Cap Index Fund
Index
www.viewjhfunds.com/USA/C01/scia/index.html
13,22,48,57,76,82,91,101
Mid Cap Index Fund
Index
www.viewjhfunds.com/USA/C01/mcia/index.html
13,22,29,76,91,101
Total Stock Market Index Fund
Index
www.viewjhfunds.com/USA/C01/tsma/index.html
9,13,22,76,91,101
500 Index Fund
Index
www.viewjhfunds.com/USA/C01/inda/index.html
33,93
Fidelity Advisor Gold Fund
Sector
www.viewjhfunds.com/USA/C01/fgaa/index.html
as of 06/30/2012
As a �
Per �1000
Growth
& Income
0.99�
�9.90
N/A
Growth
& Income
0.82�
�8.20
N/A
Growth
& Income
0.81�
�8.10
N/A
Growth
& Income
1.05�
�10.50
N/A
Growth
& Income
0.80�
�8.00
N/A
Growth
& Income
1.14�
�11.40
N/A
Growth
& Income
1.39�
�13.90
N/A
Growth
& Income
1.00�
�10.00
N/A
Growth
& Income
2.10�
�21.00
N/A
Aggressive
Growth
0.63�
�6.30
N/A
Aggressive
Growth
0.60�
�6.00
N/A
Growth
0.54�
�5.40
N/A
Growth
0.57�
�5.70
N/A
Growth
& Income
0.53�
�5.30
N/A
Aggressive
Growth
1.31�
�13.10
93
Page 16 of 24
FEES AND EXPENSES
Risk
Category
Name/Type of Option
13,14,57,73
Real Estate Securities Fund
Sector
www.viewjhfunds.com/USA/C01/refa/index.html
14,34,66
Energy Fund
Sector
www.viewjhfunds.com/USA/C01/vena/index.html
14,62
T. Rowe Price Science & Technology Fund
Sector
www.viewjhfunds.com/USA/C01/scta/index.html
13,14,22,57,62,91,92
Science & Technology Fund
Sector
www.viewjhfunds.com/USA/C01/stfa/index.html
12,13,14,15,22,91
Financial Services Fund
Sector
www.viewjhfunds.com/USA/C01/fsfa/index.html
12,14,57
T. Rowe Price Health Sciences Fund
Sector
www.viewjhfunds.com/USA/C01/hlsa/index.html
12,14,61
MFS Utilities Fund
Sector
www.viewjhfunds.com/USA/C01/ulfa/index.html
13,26,27,39,52,89
John Hancock Stable Value Fund
High Quality Short Term Fixed Income
www.viewjhfunds.com/USA/C01/msva/index.html
13,97
www.viewjhfunds.com/USA/C01/lxja/index.html
13,46,101
www.viewjhfunds.com/USA/C01/lxia/index.html
13,46,101
www.viewjhfunds.com/USA/C01/lxha/index.html
13,46,101
www.viewjhfunds.com/USA/C01/lxga/index.html
as of 06/30/2012
As a �
Per �1000
Aggressive
Growth
0.79�
�7.90
N/A
Aggressive
Growth
0.84�
�8.40
N/A
Aggressive
Growth
1.17�
�11.70
N/A
Aggressive
Growth
1.16�
�11.60
N/A
Aggressive
Growth
0.91�
�9.10
N/A
Aggressive
Growth
1.17�
�11.70
N/A
Growth
1.04�
�10.40
N/A
Conservative
1.08�
�10.80
Asset
Allocation
- Lifecycle
1.11�
�11.10
N/A
Asset
Allocation
- Lifecycle
1.01�
�10.10
N/A
Asset
Allocation
- Lifecycle
1.01�
�10.10
N/A
Asset
Allocation
- Lifecycle
1.00�
�10.00
N/A
Participant-directed withdrawals from this Fund are normally
processed on the next business day if the withdrawal request
is received on or before 12 noon on a business day. However,
such withdrawals may be subject to a delay of up to 7 or 30
additional calendar days if it is determined, respectively, that
such delay is necessary to maintain adequate liquidity for, or to
avoid an adverse impact on, the underlying trust or investment
vehicle. In addition, plan-directed withdrawals and certain
participant-directed withdrawals that are deemed to be plandirected withdrawals may be subject to up to a 12-month
hold or a market value adjustment. Where such, or any other,
restrictions or market value adjustments are imposed by the
underlying trust, these will apply to your investment in the
Fund.
Page 17 of 24
FEES AND EXPENSES
Risk
Category
Name/Type of Option
13,46,101
www.viewjhfunds.com/USA/C01/lxfa/index.html
13,46,101
www.viewjhfunds.com/USA/C01/lxea/index.html
13,46,101
www.viewjhfunds.com/USA/C01/lxda/index.html
13,46,101
www.viewjhfunds.com/USA/C01/lxca/index.html
13,46,57,101
www.viewjhfunds.com/USA/C01/lxba/index.html
13,68,101
Lifestyle Fund - Aggressive Portfolio
www.viewjhfunds.com/USA/C01/alsa/index.html
13,68,101
Lifestyle Fund - Growth Portfolio
www.viewjhfunds.com/USA/C01/glsa/index.html
9,13,68,101
Lifestyle Fund - Balanced Portfolio
www.viewjhfunds.com/USA/C01/blsa/index.html
13,31,68,101
Lifestyle Fund - Moderate Portfolio
www.viewjhfunds.com/USA/C01/mlsa/index.html
13,68,101
Lifestyle Fund - Conservative Portfolio
www.viewjhfunds.com/USA/C01/clsa/index.html
as of 06/30/2012
As a �
Per �1000
Asset
Allocation
- Lifecycle
1.00�
�10.00
N/A
Asset
Allocation
- Lifecycle
0.99�
�9.90
N/A
Asset
Allocation
- Lifecycle
0.98�
�9.80
N/A
Asset
Allocation
- Lifecycle
0.97�
�9.70
N/A
Asset
Allocation
- Lifecycle
0.96�
�9.60
N/A
Asset
Allocation
- Lifestyle
1.10�
�11.00
N/A
Asset
Allocation
- Lifestyle
1.07�
�10.70
N/A
Asset
Allocation
- Lifestyle
1.00�
�10.00
N/A
Asset
Allocation
- Lifestyle
0.99�
�9.90
N/A
Asset
Allocation
- Lifestyle
0.92�
�9.20
N/A
N/A
N/A
FIXED RETURN INVESTMENTS
71,78,83
10-Year Guaranteed
Ten Year Guaranteed Interest Account
www.viewjhfunds.com/USA/C01/giaa/index.html
Conservative
Transfers between a Guaranteed Interest Account and
other investment options (except for transfers between
Guaranteed Interest Accounts) may be permitted (at book
value) under the terms of your plan's contract with John
Hancock. Some conditions apply, including limitations
as to permitted transfer dates, noted on your quarterly
statement, if applicable. Transfers that are initiated on
dates other than those specified in the contract may be
subject to a market value adjustment. Similarly, withdrawals
taken from Guaranteed Interest Accounts prior to the end
of the guarantee period, may be subject to a market value
adjustment. Book value transfers are subject to an annual
20� book value transfer limit for each Guaranteed Interest
Account balance. Transfers in excess of this limit are made
at the lesser of book and market value.
Please visit www.ps.jhancockpensions.com/assets/pdfs/SPARK_Glossary.pdf for a glossary of investment terms relevant to the investment
options under this plan.
Page 18 of 24
IMPORTANT NOTES
*
Your company's qualified retirement plan offers participants the opportunity to
contribute to investment options available under a group annuity contract with John
Hancock Life Insurance Company (U.S.A.) (John Hancock USA). These investment
options may be sub-accounts (pooled funds) investing directly in underlying mutual
funds, or they may be Guaranteed Interest Accounts.
The placement of investment options within style boxes and according to potential risk/
return shows John Hancock USA's assessment of those options relative to one another
and should not be used to compare these investment options with other investment
options available outside John Hancock USA.
†
Index Performance: Index performance shown is for a broad-based securities market
index. Indices are unmanaged and cannot be invested in directly. Index returns were
prepared using Morningstar, Inc. software and data. The performance of an Index does
not include any portfolio or insurance-related charges. If these charges were reflected,
performance would be lower. Past performance is not a guarantee of future results.
3
This sub-account was introduced November 7, 2008.
4
This sub-account was introduced May 7, 2010.
5
The underlying fund changed its name effective on or about May 5, 2008.
Performance shown for periods prior to that date reflect the results under its former
name. The name of this sub-account changed effective on or about May 5, 2008 to
more accurately reflect the name of the underlying fund.
7
8
9
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about April 30, 2007. Contact your John Hancock
representative for more information.
11
name.
12
This sub-account was introduced April 27, 2001.
13
For internally-managed Funds advised and sub-advised exclusively by John Hancock
USA's affiliates, the total fees John Hancock USA and its affiliates receive from these
Funds may be higher than those advised or sub-advised exclusively by unaffiliated
mutual fund companies. These fees can come from the Fund or trust's Rule 12b-1,
sub-transfer agency, management, AMC or other fees, and may vary from Fund
to Fund. Except for certain asset allocation portfolios (i.e., the Lifecycle Portfolios,
Lifestyle Portfolios, Core Portfolios and the Guaranteed Income Feature Portfolios),
John Hancock USA uses the revenue received from 12b-1, sub-transfer agency, and
management fees to determine the AMC for that Fund, such that the sum of 12b-1,
sub transfer agency, management fees and AMC received by John Hancock USA equals
0.50�.
14
The underlying fund concentrates its investments in a sector of the market. A
portfolio of this type may be riskier or more volatile in price than one that invests in
more market sectors.
15
Account balance reported for this Fund may include assets transferred from another
Fund, which will be permanently closed on or about April 26, 2010. Consult your John
Hancock representative for more information.
18
The underlying fund's manager or subadviser changed its name from Invesco AIM
Capital Management to Invesco Advisers, Inc. on or about May 10, 2010. Contact your
John Hancock representative for more information.
19
This sub-account previously invested in a different share class of the same underlying
portfolio. It began investing in the current share class effective on or about May 7,
2007. Performance shown for periods prior to that date is based on the performance of
the current share class.
20
The manager for the underlying fund and its objectives changed effective on or about
November 30, 2006. Performance shown for periods prior to that date reflect the
results under its former manager.
21
This sub-account previously invested in a different underlying portfolio. It began
investing in the current underlying portfolio effective May 17, 2004. Performance
shown for periods prior to that date is based on the performance of the current
underlying portfolio.
22
name.
23
was permanently closed on or about October 29, 2007. Consult your John Hancock
25
This sub-account was recently introduced on November 5, 2007 and may not be
available in all states. Contact your John Hancock representative to determine if this
sub-account is available to your plan.
26
Not available to defined benefit plans. Consult your John Hancock representative for
details.
27
The underlying fund's manager or subadviser changed its name from John Hancock
Life Insurance Company to John Hancock Life Insurance Company (U.S.A.) on or about
May 10, 2010. Contact your John Hancock representative for more information.
29
30
investing in the current underlying portfolio effective November 25, 2002. Performance
31
32
investing in the current underlying portfolio effective June 1, 2009. Performance shown
for periods prior to that date is based on the performance of the current underlying
portfolio. The name of this sub-account changed effective on or about June 1, 2009 to
33
34
This sub-account was introduced September 6, 2002.
36
37
This sub-account was introduced July 25, 2008.
38
39
16
The underlying fund's manager or subadviser changed its name from DFA & Invesco
AIM to DFA & Invesco Advisers, Inc. on or about May 10, 2010. Contact your John
17
investing in the current underlying portfolio effective May 5, 2003. Performance shown
for periods prior to that date is based on the performance of the current underlying
portfolio.
This sub-account was introduced August 21, 2000.
40
portfolio. It began investing in the current share class effective on or about July 28,
Page 19 of 24
41
was permanently closed on or about October 27, 2008. Contact your John Hancock
42
The name of this sub-account changed effective on or about November 9, 2009 to
more accurately reflect the name of the underlying fund. Contact your John Hancock
43
Important Redemption Fee Information: Domini Social Equity Fund - Effective
August 18, 2008, the underlying fund will impose a 2� redemption fee on all selling/
exchanges of the fund over �25,000 within a thirty-day period. The ''First-In/FirstOut'' (''FIFO'') method was used to determine whether the shares have been held
for the prescribed holding period and, therefore, whether the redemption fee will be
applied.
44
The underlying fund's manager or subadviser changed its name from AIM
Investments, Inc. to Invesco AIM Capital Management on or about November 10,
2008. Contact your John Hancock representative for more information.
45
The portfolio concentrates its investments in high yield/high risk fixed income
securities, also known as junk bonds, which carry a much greater risk of default and
tend to be more volatile than higher rated bonds.
Offering Memorandum. Contact your John Hancock representative if you wish to
obtain a copy.
Effective January 10, 2011, the John Hancock Stable Value Fund is not available to
Puerto Rico plans described in Section 1022(i)(1) of ERISA nor to Group or Master
Trusts that include assets of such plans.
53
This sub-account was introduced on or about May 6, 2005.
54
was permanently closed on or about April 18, 2011. Please contact your John Hancock
55
investing in the current underlying portfolio effective on or about May 7, 2005.
Performance shown for periods prior to that date is based on the performance of the
current underlying portfolio.
56
portfolio. It began investing in the current share class effective on or about November
10, 2008. Performance shown for periods prior to that date is based on the
performance of the current share class.
57
46
The name of this sub-account changed effective on or about August 2, 2010.
47
Account balance reported may include assets transferred from another sub-account
which was permanently closed between April 22, 2005 and May 7, 2005.
48
was permanently closed on or about October 25, 2010. Please contact your John
49
The underlying fund added Invesco AIM Capital Management as a co-sub-adviser
on or about November 10, 2008. Contact your John Hancock representative for more
information.
50
Account balance reported may include assets transferred from another Fund which
was permanently closed between April 25, 2004 and May 1, 2004.
51
Effective June 1, 2009, the underlying fund changed its name to the Domini Social
Equity Fund Investor Shares.
52
John Hancock Stable Value Fund: Qualified retirement plans that select the John
Hancock Stable Value Fund as an eligible investment option under the group annuity
contract are restricted from selecting any fixed-income investment options for the
plan deemed to be "Competing", including (i) any book value fixed income Fund,
(ii) any other fixed income Fund with a targeted average duration of three (3) years
or less, including but not limited to, a money market Fund or a short-term bond
Fund, or (iii) any guaranteed interest account (other than a ten (10) year maturity
guaranteed interest account maintained by an affiliate of John Hancock Life Insurance
Company (U.S.A.) originally offered prior to May 1, 2006). Contact your John Hancock
representative for details. An investment in the John Hancock Stable Value Fund is not
an insured deposit, nor an obligation of, nor guaranteed by, John Hancock USA, the
Portfolio's Trustee or Investment Advisor, The Federal Deposit Insurance Corporation
(FDIC) or any government agency and is subject to certain market risks. However,
through its Stabilizing Agreements with one or more Stability Providers, the Fund
is designed to meet Department of Labor requirements for 'grandfathered' default
contributions under 29 CFR 2550.404c-5(e)(4)(v).
Although the 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 Stability Provider(s) fail. The Portfolio Trustee
does not guarantee the performance of the Stability Provider(s) under any Stabilizing
Agreement(s).
Crediting Rate is an Approximation. Investments in the Fund will accrue interest at
the applicable monthly crediting rate, which rate will be set based upon a formula but
may be adjusted from time to time as agreed upon by the Stability Provider(s) and John
Hancock Life Insurance Company (U.S.A.). The actual market value of the underlying
assets may, at times, be greater than or less than the book value of the Portfolio. Any
difference between the Portfolio's market value and book value will be taken into
consideration when setting future crediting rates. The FER for the underlying fund
includes an investment management fee payable to John Hancock and its affiliates
of John Hancock, and Unaffiliated 3rd party wrap provider fees. For further details
on these fees and regarding risk and other risks that may apply please refer to the
59
Important Redemption Fee Information: T. Rowe Price Small Cap Value Fund Effective January 1, 2005, the underlying fund will impose a 1� redemption fee
on all selling/exchanges of the fund within a 90-day period. The 'First-In/FirstOut' ('FIFO') method will be used to determine whether the shares have been held
for the prescribed holding period and, therefore, whether the redemption fee will be
applied.
60
The name of this sub-account changed effective on or about November 9, 2009.
61
9, 2009. Performance shown for periods prior to that date is based on the performance
of the current share class.
62
Account balance reported may include assets transferred from another Fund which
was permanently closed between April 25, 2003 and May 5, 2003.
63
The underlying fund share class was recently renamed on June 1, 2009. There was
no impact to the share class pricing or any material impact to the underlying fund as a
result of this renaming.
64
8, 2010. Performance shown for periods prior to that date is based on the performance
of the current share class.
65
portfolio. It began investing in the current share class effective on or about June 1,
66
Effective May 25, 2012, there is no longer a redemption fee associated to this Fund.
67
The underlying fund changed its name effective on or about November 8, 2010.
name. The name of this sub-account changed effective on or about November 8, 2010
to more accurately reflect the name of the underlying fund.
68
This sub-account previously invested in another underlying portfolio. It began
investing in the current underlying portfolio effective October 14, 2005. Performance
underlying portfolio. Performance shown for all periods has been adjusted to reflect the
current sub-account charge and would be lower if it reflected the sub-account charge
that was in effect prior to October 14, 2005, which was .20� higher than the current
sub-account charge.
69
The sub-adviser or manager changed its name on or about May 6, 2006.
Performance shown for periods prior to that date reflect the results under the subadviser's former name.
Page 20 of 24
71
Only available under certain limited circumstances. Consult your John Hancock
72
This sub-account was introduced on or about May 5, 2006.
73
investing in the current underlying portfolio effective October 14, 2005.
74
The name of this sub-account changed effective on or about May 6, 2006 to more
accurately reflect the name of the underlying fund. Contact your John Hancock
75
The underlying fund changed its sub-advisor on June 1, 2009 from Munder Capital
Management and Invesco AIM Capital Management to Dimensional Fund Advisors,
Inc. (DFA) and Invesco AIM Capital Management.
76
None of the Index Funds nor the underlying portfolios are sponsored, endorsed,
managed, advised, sold or promoted by any of the respective companies that sponsor
the broad-based securities market index, and these companies make no representation
regarding the advisability of investing in the Index Fund. Indexes are unmanaged and
cannot be invested in directly. Since the underlying portfolios are not actively managed,
the Funds will generally reflect the performance of their indexes even in markets when
the indexes do not perform well.
90
91
The underlying John Hancock Variable Insurance Trust portfolio is not a retail mutual
fund and is only available under variable annuity contracts, variable life policies
or through participation in tax qualified retirement plans. Although the portfolios'
investment adviser or sub-advisers may manage retail mutual funds with similar names
and investment objectives, no representation is made, and no assurance is given, that
any portfolio's investment results will be comparable to the investment results of any
other fund, including other funds with the same investment adviser or sub-adviser. Past
performance is no guarantee of future results.
92
The underlying fund changed its sub-adviser from T. Rowe Price solely to T. Rowe
Price and RCM on or about November 6, 2006. Performance shown for periods prior to
that date reflect the results under the former sub-adviser.
93
Important Redemption Fee Information: Fidelity Advisor Gold Fund - Effective June
1, 2009, the underlying fund will impose a 0.75� redemption fee on all selling/
exchanges of the fund within a 30-day period. The "First-In/First-Out" ("FIFO")
method will be used to determine whether the shares have been held for the
prescribed holding period and, therefore, whether the redemption fee will be applied.
96
77
The underlying fund changed its sub-advisor on November 8, 2010 from Van Kampen
Investments to Invesco Advisers, Inc.
Changes were made to this sub-account effective on or about October 30, 2006.
Contact a John Hancock representative for more information.
97
78
Guaranteed Interest rates shown are gross ARA rates and assume the issuance of
a contract at the beginning of each period shown. Actual return may vary depending
on the administrative expense and, if applicable, the Sales and Service fee for the
contract. The sales and service fee for the contract is the same as that shown for the
sub-accounts under the contract. For regular ongoing contributions, interest rates are
published at the beginning of each month and apply to all such contributions in that
month. For other types of contributions, interest rates may change during the month.
An investment in a guaranteed interest account is not insured or guaranteed by The
Federal Deposit Insurance Corporation or any other government agency. Although the
guaranteed interest accounts seek to preserve the value of an investment, it is possible
to lose money by investing in these portfolios. Guaranteed interest rates are based
upon the claims paying ability of the issuing company.
80
investing in the current underlying portfolio effective April 30, 2001. Performance
81
investing in the current underlying portfolio effective February 9, 2004. Performance
82
83
This investment option is deemed a "Competing" investment option with the John
Hancock Stable Value Fund and may not be available. An investment in this portfolio is
not insured or guaranteed by The Federal Deposit Insurance Corporation or any other
government agency. Although the underlying portfolio seeks to preserve the value of
an investment, it is possible to lose money by investing in this portfolio.
85
86
The underlying fund's manager or subadviser changed its name from RiverSource
Investments to Columbia Management Investment Advisers, LLC., on or about
November 8, 2010. Contact your John Hancock representative for more information.
87
This sub-account was introduced November 5, 2010.
89
investing in the current underlying portfolio effective on or about May 6, 2006.
Performance shown for periods prior to that date is based on the performance of the
current underlying portfolio.
98
100
101
The underlying fund changed its sub-advisor on December 15, 2010 from MFC
Global Investment Management (U.S.A.) Limited to John Hancock Asset Management,
a division of Manulife Asset Management (North America) Limited.
102
investing in the current underlying portfolio effective November 7, 2011. Performance
underlying portfolio. The name of this sub-account changed effective on or about
November 7, 2011 to more accurately reflect the name of the underlying fund.
103
The underlying fund changed its name effective on or about November 7, 2011.
name. The name of this sub-account changed effective on or about November 7, 2011
to more accurately reflect the name of the underlying fund.
106
was permanently closed on or about April 23, 2012. Please contact your John Hancock
107
This sub-account previously invested in a different underlying fund. It began
investing in the current underlying fund effective May 4, 2012. Performance shown for
periods prior to that date is based on the performance of the current underlying fund.
The name of this sub-account changed effective on or about May 4, 2012 to more
accurately reflect the name of the underlying fund.
Risks Applicable to All Funds
Credit and Counterparty Risk
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 otherwise to honor its obligations.
Issuer Risk
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,
Page 21 of 24
reliance on suppliers, labor problems or shortages, corporate restructurings, fraudulent
disclosures, or other factors.
Liquidity Risk
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. Funds with investment strategies that
involve securities of companies with smaller market capitalizations, foreign securities,
derivatives, or securities with substantial market and/or credit risk tend to have the
greatest exposure to liquidity risk.
Manager Risk
The performance of a fund that is actively managed will reflect in part the ability of
the manager to make investment decisions that are suited to achieving the fund's
investment objective. Depending on the manager's investment decisions, a fund may
not reach its investment objective or it could underperform its peers or lose money.
Market Risk
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.
Merger and Replacement Transition Risk
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. In either case, the redemption of your interest by the
affected Fund, as well as the investment of the redemption proceeds by the "new"
Fund, may result in transaction costs to the Funds because the affected Funds may find
it necessary to sell securities and the "new" Funds will find it necessary to invest the
redemption proceeds. Also, the redemption and reinvestment processes, including any
transition period that may be involved in completing such mergers and replacements,
could be subject to market gains or losses, including those from currency exchange
rates. The transaction costs and potential market gains or losses could have an impact
on the value of your investment in the affected Fund and in the "new" Fund, and
such market gains or losses could also have an impact on the value of any existing
investment that you or other investors may have in the "new" Fund. Although there
can be no assurances that all risks can be eliminated, John Hancock will use its best
efforts to manage and minimize such risks and costs.
Where the redemption of your interest is implemented through a distribution of assets
in kind, the effective date of the merger or replacement may vary from the target date
due to the transition period, commencing either before or after the target date, that is
required to liquidate or transition the assets for investment in the "new" Fund.
Additional Risks Applicable to Certain Funds
Commodity Risk
Commodity investments involve the risk of volatile market price fluctuations of
commodities resulting from fluctuating demand, supply disruption, speculation and
other factors.
Currency Risk
Fixed-Income Securities Risk
Fixed-income securities or bonds are subject to credit risk and interest rate risk. The
credit rating of bonds in the fund could be downgraded or the issuer of a bond could
default on its obligations. In general, lower-rated fixed-income securities involve more
credit risk. When interest rates rise, bond prices generally fall.
Foreign Securities Risk
Foreign securities involve special risks, including potentially unfavorable currency
exchange rates, limited government regulation (including less stringent investor
protection and disclosure standards) and exposure to possible economic, political
and social instability. To the extent the fund invests in emerging market countries, it's
foreign securities risk will be higher.
Fund of Funds Risk
A fund of funds invests in a number of underlying funds. A fund of fund's ability to
achieve its investment objective will depend largely on the ability of its investment
manager to select the appropriate mix of underlying funds and on the underlying funds
ability to meet their investment objectives. A fund of funds is subject to the same risks
as the underlying funds in which it invests. Each fund of funds bears its own expenses
and indirectly bears its proportionate share of expenses of the underlying funds in
which it invests.
Growth Stock Risk
Because growth securities typically do not make dividend payments to shareholders,
investment returns are based on capital appreciation, making returns dependent on
market increases and decreases. The market prices of growth stocks are highly sensitive
to future earnings expectations. Growth stocks may therefore be more volatile than
non-growth stocks.
High Yield Securities Risk
Fixed-income securities that are not investment grade are commonly referred to as high
yield securities or "junk bonds." These securities offer a potentially higher yield than
other, higher rated securities, but they carry a greater degree of risk and are considered
speculative by the major credit rating agencies
Index Management Risk
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.
Initial Public Offerings (�IPO�) Risk
The fund is subject to the risks associated with purchases of shares issued in IPOs by
companies that have little operating history as public companies. The market for IPO
issuers has been volatile and share prices of certain newly-public companies have
fluctuated in significant amounts over short periods of time.
Interest Rate Risk
Fixed-income securities are affected by changes in interest rates. When interest rates
decline, the market value of fixed-income securities generally will increase. Conversely,
when interest rates rise, the market value of fixed-income securities will generally
decrease. The longer the remaining maturity of instruments held by the fund, the more
sensitive the fund is to interest rate risk.
Funds that invest directly in foreign currencies and in securities that trade in, or receive
revenues in, foreign currencies are subject to the risk that those currencies will decline
in value relative to the currency being hedged.
Large Cap Risk
Derivatives Risk
Leverage Risk
A fund's use of certain derivative instruments (such as options, futures and swaps)
could produce disproportionate gains or losses. Derivatives are generally considered
more risky than direct investments and, in a down market, could become harder to
value or sell at a fair price.
Equity Securities Risk
Stock markets are volatile, and the price of equity securities such as common and
preferred stocks (and their equivalents) will fluctuate. 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.
Exchange Traded Funds (�ETF�s) Risk
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.
The fund's strategy of investing in large cap stocks carries the risk that in certain
markets large cap stocks will underperform small cap or mid cap stocks.
The fund may engage in transactions, including the use of synthetic instruments and
derivatives, which may give rise to a form of leverage. Leverage may cause the fund
to be more volatile than if the fund had not been leveraged because leverage can
exaggerate the effect of any increase or decrease in the value of securities held by the
fund.
Lifestyle Portfolio Risk
A Lifestyle Portfolio ("Fund") is a "fund of funds" which invests in a number of
underlying funds. The Fund's ability to achieve its investment objective will depend
largely on the ability of the subadviser to select the appropriate mix of underlying
funds and on the underlying funds' ability to meet their investment objectives. There
can be no assurance that either a Fund or the underlying funds will achieve their
investment objectives. A Fund is subject to the same risks as the underlying funds in
which it invests, which include the following risks. Stocks can decline due to market,
regulatory or economic developments. Investing in foreign securities is subject to
certain risks not associated with domestic investing such as currency fluctuations and
Page 22 of 24
changes in political and economic conditions. The securities of small capitalization
companies are subject to higher volatility than larger, more established companies.
High Yield bonds are subject to additional risks such as the increased risk of default
(not applicable to Lifestyle Aggressive Portfolio). For a more complete description of
these risks, please review the underlying fund's prospectus, which is available upon
request. Diversification does not ensure against loss.
as the investments of most mutual funds and are far less diversified than the broad
securities markets. Funds concentrating in a particular industry sector tend to be more
volatile than other mutual funds, and the values of their investments tend to go up and
down more rapidly. A fund that invests in a particular industry or sector is particularly
susceptible to the impact of market, economic, regulatory and other factors affecting
than industry or sector.
A Lifecycle Portfolio ("Fund") is a "fund of funds" which invests in a number of
underlying funds. The Fund's ability to achieve its investment objective will depend
largely on the ability of the subadviser to select the appropriate mix of underlying funds
and on the underlying funds' ability to meet their investment objectives. There can be
no assurance that either a Fund or the underlying funds will achieve their investment
objectives. A Fund is subject to the same risks as the underlying funds in which it
invests. Each Fund invests in underlying funds which invest in fixed-income securities
(including in some cases high yield securities) and equity securities, including foreign
securities and engage in Hedging and Other Strategic Transactions. To the extent the
Fund invests in these securities directly or engages in Hedging and Other Strategic
Transactions, the Fund will be subject to the same risks. As a Fund's asset mix becomes
more conservative, the fund becomes more susceptible to risks associated with fixedincome securities. For a more complete description of these risks, please review the
underlying fund's prospectus, which is available upon request.
Short Sale Risk
Each Lifecycle Portfolio has an associated target date based on the expected year in
which participants in the portfolio plan to retire and no longer make contributions. The
investment strategy of these Portfolios are designed to become more conservative over
time as the Portfolio approaches and passes the target retirement date. The principal
value of an investment in these Portfolios is not guaranteed at any time, including at or
after the target date.
The fund's investments in small-cap and mid-cap companies are subject to more
erratic price movements than investments in larger, more established companies. In
particular, mid-sized companies may pose greater risk due to narrow product lines,
limited financial resources, less depth in management or a limited trading market for
their securities. Similarly, small cap companies may be developing or marketing new
products or services for which markets are not yet and may never become established.
While small, unseasoned companies may offer greater opportunities for capital growth
than larger, more established companies, they also involve greater risks and should be
considered speculative.
Mid Cap Stock Risk
Investments in mid-cap companies are subject to more erratic price movements than
investments in larger, more established companies. In particular, mid-sized companies
may pose greater risk due to narrow product lines, limited financial resources, less
depth in management or a limited trading market for their securities.
Mortgage-Backed and Asset-Backed Securities Risk
When interest rates fall, homeowners are more likely to prepay their mortgage loans.
An increased rate of prepayments on the fund's mortgage-backed securities will result
in an unforeseen loss of interest income to the fund as the fund may be required to
reinvest assets at a lower interest rate. Asset-backed securities include interests in
pools of debt securities, commercial or consumer loans, or their receivables. The value
of these securities depends on many factors, including changes in interest rates, the
availability of information concerning the pool and its structure, the credit quality of the
underlying assets, the market's perception of the servicer of the pool, and any credit
enhancement provided. In addition, asset-backed securities have prepayment risks
similar to mortgage-backed securities.
Non-Diversification Risk
A fund that is non-diversified may invest a high percentage of its assets in the
securities of a small number of issuers. This approach may result in more volatile
performance relative to more diversified funds. The less diversified a fund's holdings
are, the more a specific security's poor performance is likely to affect the fund's
performance.
Sector Risk
The fund may sell a security that it does not own. A fund will lose money if the price
of the security which it has sold short increases between the time of the short sale and
the date when the fund acquires the security sold short.
Small Cap Stock Risk
The fund's investments in smaller companies are subject to more erratic price
movements than investments in larger, more established companies. Small cap
companies may be developing or marketing new products or services for which
markets are not yet and may never become established. Although small, unseasoned
companies may offer greater opportunities for capital growth than larger, more
established companies, they also involve greater risks and should be considered
speculative.
Small/Mid Cap Stock Risk
Target Allocation Risk
From time to time, one or more of the underlying funds may experience relatively large
redemptions or investments due to reallocations or re-balancings of the assets of a
portfolio, which could affect the performance of the underlying funds and, therefore,
the performance of the fund.
Turnover Risk
Active and frequent trading of fund securities results in a high fund turnover rate.
Funds with high turnover rates often have higher transaction costs, which are paid by
the fund, that may have an adverse impact on fund performance, and may generate
short-term capital gains on which taxes may be imposed.
U.S. Government Securities Risk
U.S. government securities do not involve the degree of credit risk associated with
investments in lower quality fixed-income securities. As a result, the yields available
from U.S. government securities are generally lower than the yields available from
many other fixed-income securities. These securities, like other fixed-income securities,
are subject to interest rate risk.
Value Stock Risk
The fund's investments in value stocks carry the risk that the market will not recognize
a security's intrinsic value for a long time or that a stock believed to be undervalued
may actually be appropriately priced.
When a fund's investments are concentrated in a particular industry or sector of the
economy (e.g., real estate, technology, financial services), they are not as diversified
Page 23 of 24
To obtain group annuity investment option Fund sheets and prospectuses for each sub-account's underlying investment vehicle call 1-800-395-1113 These documents
contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying investment vehicle, which
should be carefully considered. Please read these documents carefully prior to investing.
Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan
Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and
John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a
registered investment adviser, provides investment information relating to the contracts.
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY
© 2012 All rights reserved.
P19754
06/12-20575
GA03221210707
Page 24 of 24
John Hancock Lifecycle Portfolios ^
Retirement Living
Retirement planning based on your age and retirement date
Your qualified retirement plan offers a range of different investment options, including a series of asset allocation
portfolios referred to as Retirement Living Portfolios, sub-advised by John Hancock Asset Management.
John Hancock’s Retirement Living Portfolios are a suite of Lifecycle asset allocation portfolios designed to take you
through retirement. They are primarily invested in actively managed funds and are managed to retain the potential for
investment growth with the objective of supporting your need for income in your retirement years. So when you reach
your retirement, you can remain invested in the same Portfolio and draw income in your retirement years.
How Retirement Living Portfolios work
Retirement Living Portfolios, a Lifecycle asset allocation option, are designed to take you through retirement.
The asset mix of each Portfolio is based on a target date. This is the expected year in which participants in a Portfolio plan
to retire and no longe r make contributions. Our team of asset allocation professionals adjusts each Portfolio’s make-up
over time to ensure a noticeable and steady shift from equities to fixed income in the years leading to retirement.
As each Portfolio ‘glides’ over time, its asset mix is adjusted. Looking at the image below:
n Portfolios with target dates further in the future are invested more aggressively and have a significant exposure to equities.
n As the Portfolio ‘glides’ towards and through the retirement date, the investment mix gradually becomes more
conservative, although it still has significant exposure to equities.
n The Portfolio’s most conservative point – 25% equity and 75% fixed income – occurs 20 years after retirement. Note that
allocations may vary as a result of market swings or cash allocations held during unusual market or economic conditions.
Living in Retirement
100%
90%
5%
5%
5%
5%
95%
95%
95%
95%
80%
8%
Assumptions
15%
85%
70%
In developing the glide path, it was
assumed that participants would make
ongoing contributions during the years
leading up to retirement, and stop
making those contributions when the
target date is reached. In retirement, it
was assumed that participants would
start making withdrawals of 4.7% of
accumulated wealth, indexed to 2.5%
inflation plus 130 bps of fees, for a
period of 30 years.
26%
92%
38%
74%
60%
48%
62%
50%
52%
Retirement Date
40%
30%
20%
10%
75%
25%
0%
40
35
30
25
20
15
10
5
Years to Retirement
Equity
Fixed income
5
10
15
20
25
Retirement
Target allocation
Range of allocation variance ≠
Retirement Living Portfolios may be for you if you want:
29 &
UNDER
2040
Portfolio
2045
Portfolio
2050
Portfolio
n One-step diversification
30 – 34
2035
Portfolio
2040
Portfolio
2045
Portfolio
n A team of asset allocation professionals that rebalance and reallocate each Portfolio
35 – 39
2030
Portfolio
2035
Portfolio
2040
Portfolio
40 – 44
2025
Portfolio
2030
Portfolio
2035
Portfolio
45 – 49
2020
Portfolio
2025
Portfolio
2030
Portfolio
50 – 54
2015
Portfolio
2020
Portfolio
2025
Portfolio
55 – 59
2010
Portfolio
2015
Portfolio
2020
Portfolio
60 – 64
2010
Portfolio
2010
Portfolio
2015
Portfolio
65 &
OVER
2010
Portfolio
2010
Portfolio
2010
Portfolio
60 – 64
6 5 & OVE R
CURRENT AGE
n An asset allocation strategy that aims to retain growth potential by maintaining
exposure to equities, giving you the opportunity to keep your assets in the same
Portfolio and draw income in retirement
n To periodically review your investments.
If you think Retirement Living Portfolios may be for you, select the Portfolio that best matches
your current age and desired retirement age. For example, Joe is 35 years old. He wants to
retire at age 65. Looking at the chart below, he selects the 2040 Portfolio, which is the year
in which he intends to retire and stop making contributions to his retirement account.
55 – 59
PLANNED RETIREMENT AGE
Important Considerations
When making investment decisions, it’s also important to carefully consider your personal circumstances, current savings, monthly earnings and retirement lifestyle
goals and risk profile. The principal value of your investment in any of our Retirement Living Portfolios, as well as your potential rate of return, are not guaranteed
at any time, including at or after the target retirement date. Also, neither asset allocation nor diversification ensures a profit or protection against a loss. These
Portfolios can suffer losses at any time (including near, at, or after the target retirement date), and there is no guarantee that any of them will provide adequate
income at and through your retirement.
Glossary of terms:
• Asset allocation: the process that allocates the fund’s holdings among general asset classes: equity, fixed income and cash.
• Asset mix: the combination of types of investment products or asset classes that make up a lifecycle fund’s underlying portfolio.
• Glide path: illustrates the change over time in a lifecycle fund’s asset mix from a focus on growth to a focus on income.
• Lifecycle (Target Date) fund: a fund that automatically resets the asset mix (stocks, bonds, cash equivalents) in its portfolio to reflect the target date. The glide
path shows how the asset mix changes over time.
^ A Lifecycle Portfolio is subject to the same risks as the underlying funds in which it
invests, which include the following risks. Stocks can decline due to market, regulatory
or economic development. Investing in foreign securities is subject to certain risks
not associated with domestic investing, such as currency fluctuations and changes
in political and economic conditions. The securities of small capitalization companies
are subject to higher volatility than those of larger, more established companies. For
additional information on these and other risk considerations, please see the prospectus
for the sub-accounts’ underlying mutual fund portfolio.
To obtain group annuity investment option Fund sheets and prospectuses for each
sub-account’s underlying investment vehicle call 1-800-395-1113 These documents
contain complete details on investment objectives, risks, fees, charges and expenses
as well as other information about the underlying investment vehicle, which should
be carefully considered. Please read these documents carefully prior to investing.
P19969-GE
12/11-19969
Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company
of New York do business under certain instances using the John Hancock name. Group annuity
contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company
(U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance
Company of New York, Valhalla, NY 10595. Product features and availability may differ by state.
John Hancock Investment Management Services, LLC, a registered investment adviser, provides
investment information relating to the contracts.
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY
GOVERNMENT AGENCY
© 2011 All rights reserved.
GA11021110160

How to read the Investment Comparative Chart

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