MANULIFE FINANCIAL CORPORATION 
By BOSTON - John Hancock Retirement Plan Services has added five new asset allocation options to its JH Signature platform. New offerings include target date suites from T. Rowe Price and American Century as well as additional Target Date and Lifestyle portfolios from John Hancock.
"Over 78% of our participants invest in an asset allocation option.1 Studies such as our recent Participant Outcomes Study show that asset allocation portfolios can offer better outcomes," said Andrew Ross, senior vice president, Marketing and Product Development, John Hancock Retirement Plan Services. "JH Signature offers advisors and plan sponsors a wide and robust platform from which they can construct investment lineups that helps meet the specific needs of their plan. Given the importance of asset allocation portfolios, we are pleased that plan sponsors now have nine different asset allocation offerings from which to choose, including target date options from T. Rowe Price and American Century."2
The new options are:
- T. Rowe Price Retirement Funds - include actively managed target date funds with broad diversification. The funds maintain significant equity allocations based on proprietary asset allocation modeling and research. The allocations continue to shift for 30 years after the target retirement date and the portfolios consist mainly of actively managed T. Rowe Price funds.
- American Century One Choice Target Date Portfolios - provide broad asset class coverage and diversification with established strategies managed in house. The portfolios seek to mitigate volatility in retirement when market risk is most critical and the underlying asset mix shifts as retirement nears.
- JH Retirement through Managed Portfolios 2010-2055 - are an actively managed set of portfolios investing in passive underlying funds. Portfolios are designed to help support participants' need for income through their retirement years.
- JH Lifestyle-Managed Portfolios - offer participants broad diversification in a single actively managed fund, with passive, lower cost underlying funds.
- JH Lifestyle-Managed Volatility - includes a suite of five funds, designed with the objective to limit losses and maintain volatility within a target range during periods of high volatility.
The new options join the four existing asset allocation options already offered on the JH Signature platform, including our existing "to" and "through" retirement target date options, JH Lifestyle actively managed portfolios as well as the Guaranteed Income for Life Select portfolios. All of the newly added asset allocation portfolios will qualify under the JH Fiduciary Standards Warranty program and are available to new and existing JH Signature plans effective immediately.
About John Hancock Financial and Manulife Financial
John Hancock Financial is a division of Manulife Financial, a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Operating as Manulife Financial in Canada and Asia, and primarily as John Hancock in the United States, the Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Funds under management by Manulife Financial and its subsidiaries were C$635 billion (US$574 billion) as at March 31, 2014. Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '945' on the SEHK. Manulife Financial can be found on the Internet at manulife.com.
John Hancock offers and administers a broad range of financial products, including life insurance, annuities,investments, 401(k) plans,long-term care insurance,college savings, and other forms of business insurance. Additional information about John Hancock may be found at johnhancock.com.
John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York are collectively referred to as "John Hancock Retirement Plan Services".
To obtain group annuity investment option Fund sheets and prospectuses for each sub-account's underlying investment vehicle call 1-877-346-8378. 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.
"The Outcomes of Participant Investment Strategies 1998-2012" is a commissioned study prepared for John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) and John Hancock Life Insurance Company of New York (John Hancock New York) by Burgess Management & Research Inc. The study examined the performance of portfolios of 319,566 retirement plan participants contributing to their employer's defined contribution plans from 1998 through 2012 through 23,540 group annuity contracts issued by John Hancock USA, and 12,459 retirement plan participants from 1,073 contracts from John Hancock New York. The study compared performance results of participants who directed all of their contributions to a single asset allocation investment option (a John Hancock Lifestyle Fund or a John Hancock Retirement Living Fund) versus participants who adopted any other strategy.
There is no guarantee that any investment strategy will be successful in achieving its investment objectives and it is possible for an asset allocation Fund to lose all or part of its value. Past performance is no guarantee for future results.
Neither asset allocation nor diversification ensures a profit or protection against a loss. Asset allocation may not be appropriate for all participants particularly those interested in directing investment options on their own.
A Lifestyle or 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 fixed-income securities. For a more complete description of these risks, please review the underlying fund's prospectus, which is available upon request.
Although Guaranteed Income for Life Select provides a guaranteed income base as well as guaranteed minimum withdrawal benefits, Guaranteed Income for Life Select investment options are variable investments and may lose value. The guarantees provided are contingent on the plan's trustee's election to continue maintaining its group annuity contract with John Hancock or the election of a participant to rollover his or her benefits to a recipient rollover vehicle available from John Hancock upon termination of participation in the plan. Guarantees of withdrawals provided under the "Guaranteed Income for Life Select" are supported by John Hancock's general account and are contingent on the claims paying ability of John Hancock and does not apply to the investment performance or safety of the underlying portfolios. Guarantees are subject to the limitations, terms, and conditions set forth in the Rider. An additional fee is charged for the guarantee.
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. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.
Contact:
Melissa Berczuk
(617) 663-4750
mberczuk@jhancock.com
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY
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