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How to read the Investment Comparative Chart - Whitney Russell

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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
В© 2012 All Rights Reserved.
P19758-GE
06/12-20442
GA02101210541
Investment Comparative Chart
THE TRUSTEES OF FOUST INCORPORATED 401(K) 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 Janet Poteet - ANB at (806) 345-1629 and P O Box 664, AMARILLO,
TX, 791050664
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
2.11пїЅ
-0.24пїЅ
2.92пїЅ
15.85пїЅ
EQUITY FUNDS
87,106
John Hancock Disciplined Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/dvaa/index.html
Growth
0.32пїЅ
0.05%
4.54%
14.87%
Growth
-4.48пїЅ
-2.38%
3.50%
9.11%
Growth
& Income
-4.47%
-4.48%
3.61%
10.02%
0.39пїЅ
3
Eaton Vance Large-Cap Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/evla/index.html
Investment Options as of Jul/30/2012
Growth
& Income
-0.98пїЅ
-1.06пїЅ
3.86пїЅ
7.73%
3.89пїЅ
N/A
-0.24пїЅ
2.92пїЅ
N/A
S&P 500 TR
0.39пїЅ
13,31,54,73
Equity Income Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/eifa/index.html
-2.63пїЅ
Russell 1000 Value TR
2.11пїЅ
97
Dodge & Cox Stock Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/dcsa/index.html
S&P 500 TR
-2.63пїЅ
3.89пїЅ
8.53пїЅ
Russell 1000 Value TR
Page 1 of 29
*
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
5,13,73,101,102
Fundamental Large Cap Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/eqia/index.html
Growth
& Income
2.22пїЅ
-4.19пїЅ
N/A
Growth
& Income
-1.04пїЅ
-1.30пїЅ
3.62пїЅ
10.17%
Growth
& Income
-6.15пїЅ
-2.29%
3.02%
6.45%
Growth
& Income
0.59пїЅ
-2.89%
2.88%
7.57%
Growth
& Income
-2.97пїЅ
-1.77%
3.45%
11.45%
Growth
& Income
-2.40пїЅ
-3.45пїЅ
3.69пїЅ
7.75%
Growth
& Income
6.81пїЅ
-0.14пїЅ
3.43%
5.02пїЅ
Growth
0.66пїЅ
-0.56пїЅ
1.97пїЅ
-2.07пїЅ
0.25%
5.20%
11.76%
Growth
-6.57пїЅ
-1.39%
2.98%
9.26%
Growth
-1.81пїЅ
0.81%
2.99%
8.82%
-4.81пїЅ
-2.36пїЅ
3.35пїЅ
-1.95пїЅ
-1.10пїЅ
3.14%
11.23%
Growth
& Income
2.98пїЅ
4.74%
N/A
5.45%
Investment Options as of Jul/30/2012
3.79пїЅ
8.83пїЅ
-0.24пїЅ
2.92пїЅ
10.87пїЅ
-0.24пїЅ
2.92пїЅ
N/A
-0.24пїЅ
2.92пїЅ
5.65пїЅ
-0.24пїЅ
2.92пїЅ
8.27пїЅ
-0.24пїЅ
2.92пїЅ
11.05пїЅ
S&P 500 TR
-0.24пїЅ
2.92пїЅ
8.23пїЅ
S&P 500 TR
-0.24пїЅ
2.92пїЅ
N/A
S&P 500 TR
-0.24пїЅ
2.92пїЅ
N/A
S&P 500 TR
-0.24пїЅ
2.92пїЅ
N/A
S&P 500 TR
2.11пїЅ
33
Parnassus Equity Income Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/peia/index.html
-2.32пїЅ
S&P 500 TR
2.11пїЅ
Growth
& Income
8.46пїЅ
S&P 500 TR
11.53%
38,40,61,65
The Investment Company of America
Large Cap Blend
www.viewjhfunds.com/USA/C01/icaa/index.html
3.89пїЅ
S&P 500 TR
2.11пїЅ
Growth
& Income
-2.63пїЅ
S&P 500 TR
2.11пїЅ
15,31,50,80,90
Davis New York Venture Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/vala/index.html
10.23пїЅ
MSCI US Prime Market Value Index
2.11пїЅ
33
Massachusetts Investors Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/mifa/index.html
2.92пїЅ
Russell 1000 Value TR
2.11пїЅ
Growth
-0.24пїЅ
S&P 500 TR
7.37%
7
Victory Diversified Stock Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/vdsa/index.html
Russell 1000 Value TR
2.11пїЅ
13,31,37,61,65
Fundamental Investors
Large Cap Blend
www.viewjhfunds.com/USA/C01/afia/index.html
3.66пїЅ
2.11пїЅ
20,43,51,64
Domini Social Equity Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/soca/index.html
3.89пїЅ
2.11пїЅ
38,40,61,65
Washington Mutual Investors Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/wmia/index.html
-2.63пїЅ
2.11пїЅ
41,61,96
Mutual Beacon Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/mcva/index.html
0.39пїЅ
1.23пїЅ
87
BlackRock Basic Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/bbva/index.html
Since
Inception
0.39пїЅ
98
Value Index Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/lvia/index.html
10 yr.
2.11пїЅ
7,86,98,100
Columbia Equity Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/reva/index.html
5 yr.
3.00пїЅ
30,31,54
T. Rowe Price Equity Income Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/d_ga/index.html
1 yr.
-0.24пїЅ
2.92пїЅ
1.42пїЅ
S&P 500 TR
Page 2 of 29
*
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
9,13,53,57,73,107
U.S. Equity Fund
Large Cap Blend
www.viewjhfunds.com/USA/C01/lrca/index.html
Growth
& Income
-2.69пїЅ
-2.62пїЅ
N/A
Legg Mason ClearBridge Aggressive Growth Fund
8,19,74,81
Large Cap Growth
www.viewjhfunds.com/USA/C01/stwa/index.html
Aggressive
Growth
-3.79пїЅ
1.50%
5.66%
6.18%
Aggressive
Growth
1.45пїЅ
-0.54пїЅ
1.87пїЅ
8.84%
Aggressive
Growth
-5.66пїЅ
-1.70%
2.10%
1.06%
Growth
1.26пїЅ
1.67пїЅ
2.98пїЅ
6.22%
Growth
0.17пїЅ
2.19пїЅ
2.47пїЅ
Fidelity Contra Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/cona/index.html
Growth
-4.50пїЅ
-0.20%
2.69%
-2.15%
Growth
2.67%
4.47%
N/A
5.61%
Growth
1.31пїЅ
1.90%
2.38%
7.17%
-0.78пїЅ
3.35%
-0.59пїЅ
2.11пїЅ
6.46пїЅ
-1.25пїЅ
1.81%
N/A
Columbia Mid Cap Value Opportunity Fund
19,41,72,86,98,100
N/A
2.40%
Growth
-8.27пїЅ
-0.69пїЅ
N/A
6.88%
1.18пїЅ
-0.24пїЅ
2.92пїЅ
7.82пїЅ
2.50пїЅ
2.59пїЅ
-0.04пїЅ
2.50пїЅ
2.59пїЅ
-1.71пїЅ
2.50пїЅ
2.59пїЅ
4.39пїЅ
1.31пїЅ
1.72пїЅ
6.14пїЅ
-0.24пїЅ
2.92пїЅ
5.65пїЅ
S&P 500 TR
-0.24пїЅ
2.92пїЅ
10.89пїЅ
S&P 500 TR
-0.24пїЅ
2.92пїЅ
5.01пїЅ
S&P 500 TR
-0.23пїЅ
N/A
2.59пїЅ
MSCI US Prime Market Growth Index
8.68%
-0.90пїЅ
2.50пїЅ
Russell 1000 Growth TR
12.25%
Growth
5.35пїЅ
Russell 1000 Growth TR
5.49пїЅ
4,13,54
SSgA Mid Cap Value Index Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/ssva/index.html
2.73пїЅ
Russell 1000 Growth TR
2.11пїЅ
Growth
2.46пїЅ
S&P 500 TR
2.11пїЅ
Growth
2.56пїЅ
Russell 1000 Growth TR
2.11пїЅ
-5.02пїЅ
2.92пїЅ
Russell 3000 Growth TR
0.60пїЅ
Growth
-0.24пїЅ
S&P 500 TR
2.64пїЅ
7
Fidelity Advisor New Insights Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/fnia/index.html
Russell 3000 TR
2.64пїЅ
9,38,40,61,65
The Growth Fund of America
Large Cap Growth
www.viewjhfunds.com/USA/C01/gfaa/index.html
3.48пїЅ
0.36%
98
Growth Index Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/lgia/index.html
3.51пїЅ
2.64пїЅ
95,108
JPMorgan Large Cap Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/jpma/index.html
-0.01пїЅ
2.11пїЅ
7,13
John Hancock Rainier Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/rlga/index.html
1.02пїЅ
2.64пїЅ
12,13,15,57,73,85,106
Capital Appreciation Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/cpaa/index.html
Since
Inception
2.17пїЅ
13,57,73,90
Blue Chip Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/bcfa/index.html
10 yr.
2.11пїЅ
7,103
Turner Large Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/tcga/index.html
5 yr.
1.37пїЅ
3,8
Prudential Jennison 20/20 Focus Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/jtta/index.html
1 yr.
0.35пїЅ
7.92пїЅ
2.79пїЅ
MSCI US Mid Cap Value Index
-1.38пїЅ
0.03пїЅ
7.66пїЅ
7.50пїЅ
Russell MidCap Value TR
Mid Cap Value
www.viewjhfunds.com/USA/C01/rmva/index.html
Investment Options as of Jul/30/2012
Page 3 of 29
*
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
13,22,77,91,106
Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/vlfa/index.html
Growth
0.98пїЅ
2.20пїЅ
6.47пїЅ
Growth
0.32%
4.21%
N/A
7.13%
Growth
-4.92пїЅ
1.16пїЅ
7.17%
6.56%
Growth
2.00пїЅ
1.60пїЅ
8.32пїЅ
Aggressive
Growth
-10.85пїЅ
-0.64%
11.73%
11.35%
Growth
-6.73пїЅ
4.06%
7.56%
11.41%
Growth
-4.17пїЅ
5.11%
N/A
8.75%
Aggressive
Growth
-4.16пїЅ
N/A
N/A
5.52пїЅ
3.57пїЅ
American Century Heritage Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/hera/index.html
Aggressive
Growth
-6.67пїЅ
5.53%
7.36%
10.84%
Franklin Small-Mid Cap Growth Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/scga/index.html
Aggressive
Growth
-4.89пїЅ
2.34пїЅ
3.87пїЅ
9.68%
Growth
2.16пїЅ
5.04%
6.41%
9.11%
Aggressive
Growth
-13.21пїЅ
-0.24пїЅ
7.36%
10.77%
Investment Options as of Jul/30/2012
-6.77пїЅ
-1.11%
7.67%
9.76%
7.66пїЅ
7.81пїЅ
-0.24пїЅ
2.92пїЅ
1.32пїЅ
3.31пїЅ
7.03пїЅ
11.34пїЅ
-0.58пїЅ
7.16пїЅ
2.52пїЅ
2.05пїЅ
5.50пїЅ
5.78пїЅ
2.43пїЅ
5.28пїЅ
3.93пїЅ
Russell MidCap Growth TR
2.43пїЅ
5.28пїЅ
10.21пїЅ
Russell MidCap Growth TR
2.43пїЅ
5.28пїЅ
8.15пїЅ
Russell MidCap Growth TR
2.43пїЅ
5.28пїЅ
6.51пїЅ
Russell MidCap Growth TR
0.15пїЅ
5.61пїЅ
6.65пїЅ
Russell 2000 TR
-5.50пїЅ
Aggressive
Growth
0.03пїЅ
MSCI US Mid Cap Growth Index
-4.17пїЅ
25
6.82пїЅ
Russell 2500 Value TR
-1.65пїЅ
36,39
7.66пїЅ
S&P MidCap 400 TR
-1.65пїЅ
4
0.03пїЅ
S&P 500 TR
-1.65пїЅ
54,87
4.23пїЅ
Russell MidCap Value TR
-1.65пїЅ
0.22пїЅ
7.66пїЅ
Russell MidCap Value TR
5.50%
-9.24пїЅ
0.03пїЅ
Russell MidCap Value TR
-3.60пїЅ
Aggressive
Growth
DFA U.S. Targeted Value Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/duta/index.html
Russell MidCap Value TR
-3.35пїЅ
13,23,41,47,73,90
Royce Opportunity Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/oppa/index.html
8.92пїЅ
-1.73пїЅ
4,13,54
Prudential Jennison Mid Cap Growth Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/jmga/index.html
7.66пїЅ
2.11пїЅ
3
87
Mid Cap Stock Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/mcsa/index.html
0.03пїЅ
11.49%
87,103,104
SSgA Mid Cap Growth Index Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/ssga/index.html
-1.38пїЅ
-1.38пїЅ
12,32,71
Lord Abbett Value Opportunities Fund
Mid Cap Blend
www.viewjhfunds.com/USA/C01/lvoa/index.html
Since
Inception
-1.38пїЅ
JP Morgan Mid Cap Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/mida/index.html
Aston/Fairpointe Mid Cap Fund
Mid Cap Blend
www.viewjhfunds.com/USA/C01/aoma/index.html
10 yr.
-1.38пїЅ
13,22,31,41,53,91
Mid Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/mvfa/index.html
Fidelity Advisor Leveraged Company Stock Fund
Mid Cap Blend
www.viewjhfunds.com/USA/C01/flca/index.html
5 yr.
6.87%
95,108
John Hancock Disciplined Value Mid Cap Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/dvma/index.html
1 yr.
-1.87пїЅ
6.40пїЅ
8.49пїЅ
Russell 2000 Value TR
Page 4 of 29
*
VARIABLE RETURN INVESTMENTS
Risk
Category
Name/Type of Option
Average Annual Total Return
as of 12/31/2011
1 yr.
Small Cap Value Index Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/visa/index.html
5 yr.
10 yr.
†Benchmark Return
as of 12/31/2011
Since
Inception
Growth
-4.65пїЅ
-0.82пїЅ
5.59%
5.86%
Growth
1.04пїЅ
3.23пїЅ
9.44%
12.64%
Aggressive
Growth
-7.29пїЅ
-1.84%
7.92%
Aggressive
Growth
-3.64пїЅ
0.86пїЅ
6.17%
9.41%
Growth
-2.63пїЅ
-2.25пїЅ
N/A
6.82пїЅ
Growth
-0.98пїЅ
2.05пїЅ
7.96пїЅ
Growth
-4.43%
1.33%
7.60%
-0.97пїЅ
2.06пїЅ
8.77пїЅ
11.22%
Aggressive
Growth
-2.06пїЅ
3.20пїЅ
6.89%
6.19%
0.78пїЅ
4.17%
-6.80пїЅ
1.04пїЅ
5.06%
3.69%
Aggressive
Growth
-1.27пїЅ
2.73пїЅ
4.24пїЅ
9.07%
Growth
-1.52пїЅ
-1.74пїЅ
N/A
5.30пїЅ
Investment Options as of Jul/30/2012
Growth
0.41пїЅ
-2.00пїЅ
2.49пїЅ
3.55%
6.65пїЅ
0.15пїЅ
5.61пїЅ
8.53пїЅ
-1.87пїЅ
6.40пїЅ
6.13пїЅ
0.15пїЅ
5.61пїЅ
N/A
-1.87пїЅ
6.40пїЅ
10.06пїЅ
3.72пїЅ
6.08пїЅ
6.37пїЅ
2.88пїЅ
5.22пїЅ
N/A
Russell 2500 Growth TR
2.08пїЅ
4.47пїЅ
3.69пїЅ
Russell 2000 Growth TR
2.08пїЅ
4.47пїЅ
4.76пїЅ
Russell 2000 Growth TR
-0.01пїЅ
3.51пїЅ
6.25пїЅ
Russell 3000 TR
1.02пїЅ
13,22,58,91
All Cap Core Fund
Multi Cap Blend
www.viewjhfunds.com/USA/C01/grfa/index.html
5.61пїЅ
MSCI US Small Cap Growth Index
1.02пїЅ
5,13,22,38,50,91,101,103
Fundamental All Cap Core Fund
Multi Cap Blend
www.viewjhfunds.com/USA/C01/qaca/index.html
0.15пїЅ
Russell 2000 Value TR
-2.90пїЅ
17,18,44,57,67
Invesco Small Cap Growth Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/scoa/index.html
2.13пїЅ
Russell 2000 TR
-2.90пїЅ
Aggressive
Growth
5.61пїЅ
Russell 2000 Value TR
8.32%
13,22,41,53,91
Small Cap Growth Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/scfa/index.html
0.15пїЅ
Russell 2000 TR
-1.57пїЅ
-2.37пїЅ
7.95пїЅ
Russell 2000 TR
-1.52пїЅ
Aggressive
Growth
6.40пїЅ
Russell 2000 TR
-5.50пїЅ
Growth
-1.87пїЅ
Russell 2000 Value TR
7.55%
39
Explorer Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/expa/index.html
MSCI US Small Cap Value Index
-4.17пїЅ
41
Small Cap Growth Index Fund
Small Cap Growth
www.viewjhfunds.com/USA/C01/vsga/index.html
7.05пїЅ
6.15пїЅ
12,59
T. Rowe Price Small Cap Value Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/msoa/index.html
7.64пїЅ
-5.50пїЅ
97
Royce Pennsylvania Mutual Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/rpma/index.html
-0.25пїЅ
-4.17пїЅ
13,73
Small Company Value Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/smfa/index.html
-4.04пїЅ
-4.17пїЅ
13,16,38,41,47,49,73,75
Small Cap Opportunities Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/spoa/index.html
Since
Inception
11.70%
31,54
DFA US Small Cap Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/scpa/index.html
10 yr.
-4.17пїЅ
7
Keeley Small Cap Value Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/ksva/index.html
5 yr.
-5.50пїЅ
13,22,23,53,91
Small Cap Value Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/smva/index.html
1 yr.
-0.01пїЅ
3.51пїЅ
6.50пїЅ
Russell 3000 TR
Page 5 of 29
*
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
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
-4.11пїЅ
1.86пїЅ
4.32пїЅ
Aggressive
Growth
-25.99пїЅ
2.69пїЅ
17.13%
Aggressive
Growth
-18.24пїЅ
-2.32пїЅ
6.78пїЅ
4.86%
-3.84%
7.56%
6.27%
DFA International Value Fund
International/Global Value
www.viewjhfunds.com/USA/C01/dvfa/index.html
Aggressive
Growth
-17.27пїЅ
-5.85пїЅ
7.02%
5.51%
Aggressive
Growth
-12.92пїЅ
-4.01пїЅ
5.30пїЅ
3.38пїЅ
Aggressive
Growth
-10.04пїЅ
-4.39пїЅ
3.16пїЅ
0.84пїЅ
Growth
-5.49пїЅ
-2.35пїЅ
4.97пїЅ
11.60%
-13.73пїЅ
-1.64пїЅ
6.22%
10.83%
Growth
-7.70пїЅ
-1.11%
7.31%
10.09%
Growth
& Income
-2.93пїЅ
1.17пїЅ
7.83пїЅ
12.07%
Aggressive
Growth
-16.79пїЅ
-4.81пїЅ
N/A
-18.06пїЅ
5.65пїЅ
17.56пїЅ
Investment Options as of Jul/30/2012
-14.47пїЅ
-0.64%
6.61%
8.58%
2.80пїЅ
-6.70пїЅ
2.56пїЅ
2.07пїЅ
-4.72пїЅ
4.66пїЅ
1.89пїЅ
-4.72пїЅ
4.66пїЅ
1.89пїЅ
-2.36пїЅ
3.61пїЅ
9.52пїЅ
-2.48пїЅ
6.75пїЅ
N/A
-2.36пїЅ
3.61пїЅ
6.36пїЅ
MSCI World TR
-2.36пїЅ
3.61пїЅ
6.47пїЅ
MSCI World TR
-4.72пїЅ
4.66пїЅ
1.93пїЅ
MSCI EAFE TR
2.40пїЅ
13.85пїЅ
N/A
MSCI Emerging Markets
-12.75пїЅ
Aggressive
Growth
4.66пїЅ
MSCI All Country World Index ex U.S.
14.46%
13,37,61,65
SMALLCAP World Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/aswa/index.html
-4.72пїЅ
MSCI World TR
-18.42пїЅ
Aggressive
Growth
6.16пїЅ
MSCI EAFE TR
2.76пїЅ
21,56
11.11пїЅ
MSCI EAFE TR
-12.14пїЅ
13,53,57,73
-0.99пїЅ
MSCI World ex USA
-5.54пїЅ
42,61
N/A
MSCI EAFE TR
-5.54пїЅ
13,37,61,65
13.85пїЅ
Citigroup Global ex USA <пїЅ2billion
-13.32пїЅ
Aggressive
Growth
2.40пїЅ
MSCI Emerging Markets
-5.54пїЅ
38,40,41,47,61,65,85
Oppenheimer Developing Markets Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/dmka/index.html
Russell 3000 Value TR
-12.14пїЅ
41,80,81
International Opportunities Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/iofa/index.html
3.41пїЅ
-12.14пїЅ
13,70,73,74,79
Mutual Global Discovery Fund
International/Global Blend
www.viewjhfunds.com/USA/C01/disa/index.html
4.08пїЅ
-14.77пїЅ
9,13,23,47,73
Capital World Growth and Income Fund
International/Global Blend
www.viewjhfunds.com/USA/C01/cgia/index.html
-2.57пїЅ
-12.14пїЅ
-16.31%
EuroPacific Growth Fund
International/Global Blend
www.viewjhfunds.com/USA/C01/epga/index.html
-0.10пїЅ
-19.60пїЅ
Aggressive
Growth
Templeton World Fund
International/Global Value
www.viewjhfunds.com/USA/C01/diva/index.html
Since
Inception
13.79%
97
International Core Fund
International/Global Value
www.viewjhfunds.com/USA/C01/itsa/index.html
10 yr.
-18.42пїЅ
Dodge & Cox International Stock Fund
International/Global Value
www.viewjhfunds.com/USA/C01/dcia/index.html
International Value Fund
International/Global Value
www.viewjhfunds.com/USA/C01/itva/index.html
5 yr.
4.13пїЅ
13,41,73
International Small Cap Fund
International/Global Value
www.viewjhfunds.com/USA/C01/isfa/index.html
1 yr.
-1.30пїЅ
7.23пїЅ
N/A
MSCI All Country World Small Cap
Page 6 of 29
*
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
13,37,61,65
New World Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/anwa/index.html
Aggressive
Growth
-14.26пїЅ
1.68%
11.24%
Aggressive
Growth
-8.22пїЅ
-2.17пїЅ
N/A
-1.11пїЅ
Aggressive
Growth
-7.55пїЅ
-0.60%
N/A
4.65%
Aggressive
Growth
-13.27пїЅ
N/A
N/A
-1.93пїЅ
4.24пїЅ
2.00пїЅ
MSCI All Country World
-8.69пїЅ
-1.63пїЅ
4.94пїЅ
11.39%
Growth
-7.77пїЅ
0.46%
5.90%
11.89%
Income
1.10пїЅ
3.66%
3.31%
5.43%
Income
2.24пїЅ
4.10пїЅ
3.48пїЅ
5.31%
4.37пїЅ
-3.42пїЅ
-4.72пїЅ
4.66пїЅ
1.40пїЅ
MSCI EAFE TR
-4.72пїЅ
4.66пїЅ
-5.60пїЅ
MSCI EAFE TR
-5.54пїЅ
Growth
-3.27пїЅ
MSCI EAFE (S&P/Citigroup PMI EPAC Growth Index)
-0.81%
-2.36пїЅ
3.61пїЅ
8.39пїЅ
MSCI World TR
-5.54пїЅ
13,37,61,65
New Perspective Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/anpa/index.html
-7.34пїЅ
-12.14пїЅ
29,56,81
Oppenheimer Global Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/wwfa/index.html
Since
Inception
-12.14пїЅ
33
Thornburg International Value Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/tiva/index.html
10 yr.
-11.83пїЅ
3
Oppenheimer International Growth Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/oiga/index.html
5 yr.
8.09%
13
John Hancock International Growth Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/igra/index.html
1 yr.
-2.36пїЅ
3.61пїЅ
8.14пїЅ
MSCI World TR
BOND FUNDS
1.59пїЅ
4,83
T. Rowe Price Short Term Bond Fund
High Quality Short Term Fixed Income
www.viewjhfunds.com/USA/C01/stba/index.html
Conservative
-0.30пїЅ
1.19пїЅ
1.53пїЅ
3.87%
6.38пїЅ
4.75пїЅ
4.05пїЅ
6.05пїЅ
BarCap 1-5 Yr Government
0.07пїЅ
13,22,82,83,91,101
Money Market Fund
High Quality Short Term Fixed Income
www.viewjhfunds.com/USA/C01/mmra/index.html
3.62пїЅ
BarCap Govt/Credit 1-3 Yr TR
3.20пїЅ
15,83
Short-Term Federal Fund
High Quality Short Term Fixed Income
www.viewjhfunds.com/USA/C01/gova/index.html
3.98пїЅ
1.36пїЅ
1.85пїЅ
4.16пїЅ
Citigroup U.S. Domestic 3 Mo TBill TR
Money Market Fund current 7-day yield is -0.17пїЅ. The current yield quotation more closely reflects the current earnings of the Money Market Fund as of the date this report was
prepared while the Annualized returns above refer to a specific past holding period reflecting the period covered by this report. Although the fund strives to maintain a positive yield,
there is no guarantee the fund will be able to do so. An investment in the underlying Money Market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation
or any other government agency. The underlying fund seeks to preserve a value of пїЅ1.00 per share but it is possible to lose money by investing in the Money Market Fund that
invests in the underlying fund.
7.84пїЅ
10,13,69,73
Active Bond Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/dvba/index.html
Income
5.64пїЅ
6.73пїЅ
5.53пїЅ
5.94пїЅ
Income
7.47пїЅ
6.32пїЅ
5.91пїЅ
6.64%
Income
3.27пїЅ
7.51пїЅ
6.29пїЅ
6.43%
Investment Options as of Jul/30/2012
6.33пїЅ
6.50пїЅ
5.77пїЅ
7.94пїЅ
BarCap Agg Bond (50пїЅ BarCap
Govt Bond/50пїЅ BarCap Credit Bond)
7.84пїЅ
13,62,73
Total Return Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/trfa/index.html
5.77пїЅ
BarCap U.S. Aggregate Bond TR
7.84пїЅ
13,73
Investment Quality Bond Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/iqba/index.html
6.50пїЅ
6.50пїЅ
5.77пїЅ
6.07пїЅ
BarCap U.S. Aggregate Bond TR
Page 7 of 29
*
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
13,53,73,106
Core Bond Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/cora/index.html
Income
8.37пїЅ
6.98пїЅ
N/A
Income
3.64пїЅ
7.55пїЅ
6.27пїЅ
7.73%
Income
7.57пїЅ
5.80%
4.74%
6.39%
Income
11.13пїЅ
8.07пїЅ
N/A
7.87%
N/A
7.30%
PIMCO Real Return Fund
High Quality Long Term Fixed Income
www.viewjhfunds.com/USA/C01/prra/index.html
Income
11.01пїЅ
7.82пїЅ
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
3.79пїЅ
5.34пїЅ
6.44пїЅ
7.21%
Income
-0.11%
N/A
N/A
2.97%
Income
2.02пїЅ
7.70пїЅ
N/A
7.09пїЅ
1.33пїЅ
6.17пїЅ
7.12пїЅ
Income
5.03пїЅ
6.85пїЅ
N/A
7.10пїЅ
Income
1.78пїЅ
4.81%
7.09%
8.12%
Income
5.20пїЅ
7.05%
N/A
9.55%
Investment Options as of Jul/30/2012
2.37%
N/A
N/A
4.94%
7.57пїЅ
6.57пїЅ
7.95пїЅ
7.57пїЅ
7.47пїЅ
7.95пїЅ
7.57пїЅ
7.78пїЅ
6.50пїЅ
5.77пїЅ
7.06пїЅ
N/A
N/A
4.07пїЅ
6.50пїЅ
5.77пїЅ
5.89пїЅ
BarCap U.S. Aggregate Bond TR
7.15пїЅ
8.67пїЅ
6.97пїЅ
Citigroup Hi-Yld TR
7.55пїЅ
8.73пїЅ
8.06пїЅ
ML US High Yield Constrained TR
7.11пїЅ
9.07пїЅ
8.83пїЅ
Credit Suisse High Yield
7.74пїЅ
8.96пїЅ
10.72пїЅ
BarCap High Yield 2пїЅ Issuer Constrained
1.52пїЅ
Income
7.95пїЅ
30-Year U.S. Treasury Bond Yield (12-Mth DailyAvg)
4.96пїЅ
83,105
7.64пїЅ
BarCap U.S. Aggregate Bond TR
5.46пїЅ
87,88
5.64пїЅ
BarCap U.S. TIPS
4.36пїЅ
13,37,61,65
Floating Rate Income Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/fria/index.html
6.62пїЅ
BarCap U.S. TIPS
5.19%
13,41,45,53,73
7.39пїЅ
BarCap Global Real US TIPS Index
5.51пїЅ
Income
5.77пїЅ
Citi USBIG Govt/Mort (Citigroup
Treasury/Gov't Sponsored Mort)
7.84пїЅ
13,45,54,69,73
Federated Institutional High Yield Bond Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/fhya/index.html
6.50пїЅ
BarCap U.S. Aggregate Bond TR
4.42пїЅ
8,13,15,22,39,48,91,101
American High-Income Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/ahia/index.html
BarCap U.S. Aggregate Bond TR
7.84пїЅ
95,108,109
U.S. High Yield Bond Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/usha/index.html
5.80пїЅ
13.56пїЅ
38
High Yield Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/hyfa/index.html
5.77пїЅ
13.56пїЅ
13.96пїЅ
Strategic Income Opportunities Fund
Medium Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/sima/index.html
6.50пїЅ
5.93пїЅ
Income
Payden/Kravitz Cash Balance Plan Fund
Medium Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/pkca/index.html
7.84пїЅ
13.56пїЅ
87
DFA Inflation-Protected Securities Fund
High Quality Long Term Fixed Income
www.viewjhfunds.com/USA/C01/inpa/index.html
Since
Inception
8.94пїЅ
13,38,73
Real Return Bond Fund
High Quality Long Term Fixed Income
www.viewjhfunds.com/USA/C01/rrba/index.html
10 yr.
7.84пїЅ
13,37,61,65
U.S. Government Securities Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/agsa/index.html
5 yr.
5.79пїЅ
41,62
PIMCO Total Return Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/trna/index.html
1 yr.
4.17пїЅ
4.95пїЅ
4.71пїЅ
S&P/LSTA Leveraged Performing Loan
Page 8 of 29
*
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
13,73
Global Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/glba/index.html
Income
8.98пїЅ
7.60пїЅ
8.02пїЅ
1 yr.
5 yr.
10 yr.
Since
Inception
7.70пїЅ
7.59пїЅ
7.94пїЅ
6.49пїЅ
6.57пїЅ
J.P. Morgan Global Bond Unhedged
7.70пїЅ
34,55
PIMCO Global Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/pfba/index.html
Income
8.65пїЅ
8.10пїЅ
8.48%
6.61%
Income
-0.45пїЅ
6.44%
10.42%
9.01%
N/A
Income
-2.38пїЅ
9.03%
10.96%
8.20%
Income
3.63пїЅ
5.42%
7.60%
N/A
5.17пїЅ
7.13пїЅ
7.76пїЅ
7.33пїЅ
Citigroup World Government Bond
5.64пїЅ
13,37,61,65
Capital World Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/cwba/index.html
6.43пїЅ
Citigroup Non-U.S. пїЅ World Gov't Bond Index
6.35пїЅ
87
Templeton Global Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/tgba/index.html
7.94пїЅ
J.P. Morgan Global Bond Unhedged
N/A
7,56
Oppenheimer International Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/oiba/index.html
7.59пїЅ
6.96%
6.46пїЅ
7.15пїЅ
N/A
Barcap Global Aggregate
OTHER FUNDS
Franklin Templeton Founding Funds Allocation Fund
Balanced
www.viewjhfunds.com/USA/C01/tffa/index.html
2.11пїЅ
7,61
Growth
& Income
-2.02пїЅ
-1.77%
N/A
4.69%
Growth
& Income
-7.68пїЅ
5.63%
9.58%
7.63%
Growth
& Income
2.83пїЅ
3.22%
7.44%
10.62%
Growth
& Income
2.63пїЅ
0.54%
6.47%
9.28%
Growth
& Income
-1.93пїЅ
0.13%
3.54%
8.24%
Growth
& Income
5.34пїЅ
1.28%
5.89%
10.94%
Growth
& Income
-3.76пїЅ
N/A
N/A
0.04%
Growth
& Income
3.67пїЅ
2.25пїЅ
4.72%
10.32%
Investment Options as of Jul/30/2012
Growth
& Income
-3.67пїЅ
3.61%
8.13%
10.41%
9.08пїЅ
-0.24пїЅ
2.92пїЅ
8.21пїЅ
-0.24пїЅ
2.92пїЅ
10.05пїЅ
-0.24пїЅ
2.92пїЅ
10.37пїЅ
-2.36пїЅ
3.61пїЅ
-2.67пїЅ
-0.24пїЅ
2.92пїЅ
10.89пїЅ
S&P 500 (60пїЅ S&P 500/40пїЅ BarCap Agg Bond)
-6.48пїЅ
3,57,63
BlackRock Global Allocation Fund
Balanced
www.viewjhfunds.com/USA/C01/bgaa/index.html
2.92пїЅ
MSCI World (70пїЅ S&P 500/30пїЅ BarCap Agg Bond)
2.11пїЅ
31,38,40,50,61,65
American Balanced Fund
Balanced
www.viewjhfunds.com/USA/C01/abfa/index.html
-0.24пїЅ
S&P 500 (60пїЅ S&P 500/40пїЅ BarCap Agg Bond)
-5.54пїЅ
11,13,37,60,101
Core Global Diversification Portfolio
Balanced
www.viewjhfunds.com/USA/C01/agda/index.html
0.46пїЅ
S&P 500 (60пїЅ S&P 500/40пїЅ BarCap Agg Bond)
2.11пїЅ
13,37,61,65
The Income Fund of America
Balanced
www.viewjhfunds.com/USA/C01/ifaa/index.html
2.92пїЅ
S&P 500 TR
2.11пїЅ
1
Pax World Balanced Fund
Balanced
www.viewjhfunds.com/USA/C01/paxa/index.html
-0.24пїЅ
S&P 500 TR
2.11пїЅ
13,37,61,65
Capital Income Builder
Balanced
www.viewjhfunds.com/USA/C01/ciba/index.html
5.01пїЅ
S&P 500 TR
2.11пїЅ
87
T. Rowe Price Capital Appreciation Fund
Balanced
www.viewjhfunds.com/USA/C01/tcpa/index.html
2.92пїЅ
S&P 500 (70пїЅ S&P 500/30пїЅ BarCap Agg Bond)
2.11пїЅ
33
Ivy Asset Strategy Fund
Balanced
www.viewjhfunds.com/USA/C01/iasa/index.html
-0.24пїЅ
-1.39пїЅ
4.71пїЅ
N/A
FTSE World
Page 9 of 29
*
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
39
PIMCO All Asset Fund
Balanced
www.viewjhfunds.com/USA/C01/aafa/index.html
Growth
& Income
1.88пїЅ
5.09пїЅ
N/A
6.97%
Growth
& Income
0.75пїЅ
N/A
N/A
1.29%
Growth
& Income
1.22пїЅ
N/A
N/A
1.89%
Growth
& Income
-5.95пїЅ
-0.49%
N/A
-0.11%
Aggressive
Growth
-14.24пїЅ
-3.45пїЅ
5.90пїЅ
5.48%
Aggressive
Growth
-4.50пїЅ
-0.18пїЅ
4.98пїЅ
4.62%
6.90пїЅ
6.65пїЅ
6.04пїЅ
BarCap US Govt Infln Lkd 1-10 Yr TR
-0.24пїЅ
Growth
-2.25пїЅ
2.86пїЅ
6.46пїЅ
6.26%
-0.24пїЅ
1.21пїЅ
Growth
0.27пїЅ
0.01пїЅ
3.42пїЅ
1.57пїЅ
-0.73пїЅ
2.37пїЅ
7.03%
Income
7.06пїЅ
5.91пїЅ
N/A
6.09пїЅ
Aggressive
Growth
-16.70пїЅ
8.65%
17.70%
8.21%
Aggressive
Growth
9.38пїЅ
-1.10пїЅ
10.58пїЅ
-20.02пїЅ
0.17пїЅ
N/A
13.41пїЅ
Aggressive
Growth
-7.98%
1.90%
N/A
6.18%
3.31пїЅ
6.50пїЅ
5.61пїЅ
5.26пїЅ
7.03пїЅ
6.82пїЅ
3.80пїЅ
1.68пїЅ
2.92пїЅ
7.77пїЅ
5.77пїЅ
6.74пїЅ
BarCap U.S. Aggregate Bond TR
-0.24пїЅ
2.92пїЅ
9.81пїЅ
S&P 500 (S&P 500/S&P Citigroup BMI Gbl Gold)
-1.51пїЅ
10.16пїЅ
N/A
Morgan Stanley REIT
0.87пїЅ
9.27пїЅ
11.44пїЅ
MSCI World Energy Index (Combined)
-13.32пїЅ
97
N/A
S&P 500 TR
-2.92пїЅ
Aggressive
Growth
0.15пїЅ
-0.24пїЅ
10.03%
13,14,38,73
Natural Resources Fund
Sector
www.viewjhfunds.com/USA/C01/resa/index.html
6.31пїЅ
DJ Wilshire 5000 TR
8.69пїЅ
13,14,57,73
Real Estate Securities Fund
Sector
www.viewjhfunds.com/USA/C01/refa/index.html
-2.92пїЅ
0.12пїЅ
2.11пїЅ
33,93
Fidelity Advisor Gold Fund
Sector
www.viewjhfunds.com/USA/C01/fgaa/index.html
1.76пїЅ
S&P MidCap 400 TR
7.84пїЅ
6,13,22,24,72,91
Total Bond Market Fund
Index
www.viewjhfunds.com/USA/C01/bifa/index.html
1.76пїЅ
Russell 2000 TR
2.11пїЅ
Growth
& Income
1.75пїЅ
MSCI AC World Free ex US
1.41%
9,13,22,76,91,101
500 Index Fund
Index
www.viewjhfunds.com/USA/C01/inda/index.html
2.92пїЅ
Citigroup 1 Month Treasury Bill Index
0.97пїЅ
13,22,29,76,91,101
Total Stock Market Index Fund
Index
www.viewjhfunds.com/USA/C01/tsma/index.html
1.75пїЅ
S&P 500 (65пїЅ S&P 500/35пїЅ BarCap Agg Bond)
-1.73пїЅ
13,22,48,57,76,82,91,101
Mid Cap Index Fund
Index
www.viewjhfunds.com/USA/C01/mcia/index.html
2.92пїЅ
S&P 500 (75пїЅ S&P 500/25пїЅ BarCap Agg Bond)
-4.17пїЅ
13,22,29,76,91,101
Small Cap Index Fund
Index
www.viewjhfunds.com/USA/C01/scia/index.html
Investment Options as of Jul/30/2012
8.99пїЅ
-13.70пїЅ
13,15,21,22,29,76,91
International Equity Index Fund
Index
www.viewjhfunds.com/USA/C01/iifa/index.html
PIMCO Commodity Real Return Strategy Fund
Sector
www.viewjhfunds.com/USA/C01/crra/index.html
Since
Inception
0.05пїЅ
33
Managers AMG FQ Global Alternatives Fund
Balanced
www.viewjhfunds.com/USA/C01/amga/index.html
10 yr.
2.11пїЅ
11,13,37,60,101
Core Fundamental Holdings Portfolio
Balanced
www.viewjhfunds.com/USA/C01/afha/index.html
5 yr.
2.11пїЅ
11,13,37,60,101
Core Diversified Growth & Income Portfolio
Balanced
www.viewjhfunds.com/USA/C01/adga/index.html
1 yr.
-2.07пїЅ
6.62пїЅ
3.74пїЅ
Dow Jones-UBS Commodity Index
Page 10 of 29
*
VARIABLE RETURN INVESTMENTS
Average Annual Total Return
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
14,34,66
Energy Fund
Sector
www.viewjhfunds.com/USA/C01/vena/index.html
Aggressive
Growth
-2.24пїЅ
3.31пїЅ
13.58%
Aggressive
Growth
-4.78пїЅ
3.85пїЅ
1.85пїЅ
10.20%
Aggressive
Growth
-7.75пїЅ
4.66пїЅ
1.99пїЅ
2.72%
Aggressive
Growth
-9.51пїЅ
-5.82пїЅ
1.94пїЅ
Aggressive
Growth
10.61пїЅ
7.21пїЅ
7.11пїЅ
11.31%
Growth
6.65пїЅ
4.90пїЅ
9.95пїЅ
6.36пїЅ
Growth
6.59пїЅ
5.01пїЅ
10.03пїЅ
11.42%
Asset
Allocation
- Lifecycle
N/A
N/A
N/A
-5.23пїЅ
-0.42пїЅ
N/A
-5.13пїЅ
-0.41пїЅ
N/A
-5.19пїЅ
-0.39пїЅ
N/A
-4.73пїЅ
-0.40пїЅ
N/A
-3.82пїЅ
0.02пїЅ
N/A
0.74пїЅ
Investment Options as of Jul/30/2012
Asset
Allocation
- Lifecycle
-2.49пїЅ
0.74пїЅ
N/A
1.41пїЅ
4.00пїЅ
9.14пїЅ
3.71пїЅ
6.43пїЅ
2.65пїЅ
3.71пїЅ
6.43пїЅ
7.63пїЅ
-0.24пїЅ
2.92пїЅ
N/A
-0.24пїЅ
2.92пїЅ
0.58пїЅ
-0.24пїЅ
2.92пїЅ
0.58пїЅ
-0.24пїЅ
2.92пїЅ
0.58пїЅ
-0.24пїЅ
2.92пїЅ
0.58пїЅ
S&P 500 (90пїЅ S&P 500/10пїЅ BarCap Agg Bond)
-0.24пїЅ
2.92пїЅ
0.58пїЅ
S&P 500 (90пїЅ S&P 500/10пїЅ BarCap Agg Bond)
2.11пїЅ
13,46,101
Retirement Living at 2020
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxda/index.html
4.97пїЅ
S&P 500 TR
2.11пїЅ
Asset
Allocation
- Lifecycle
-4.71пїЅ
S&P 500 TR
0.41пїЅ
13,46,101
Retirement Living at 2025
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxea/index.html
-4.59пїЅ
S&P 500 TR
0.39пїЅ
0.36пїЅ
-16.89пїЅ
S&P 500 TR
2.11пїЅ
Asset
Allocation
- Lifecycle
4.62пїЅ
S&P 500 Sec/Utilities TR
0.37пїЅ
13,46,101
Retirement Living at 2030
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxfa/index.html
1.55пїЅ
S&P 500 Sec/Utilities TR
2.11пїЅ
Asset
Allocation
- Lifecycle
2.73пїЅ
Lipper Health/Biotechnology Index
-12.20%
13,46,101
Retirement Living at 2035
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxga/index.html
9.14пїЅ
S&P 500 Financial
2.11пїЅ
Asset
Allocation
- Lifecycle
1.55пїЅ
Lipper Science & Technology
2.11пїЅ
Asset
Allocation
- Lifecycle
2.73пїЅ
Lipper Science & Technology
2.11пїЅ
13,46,101
Retirement Living at 2040
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxha/index.html
S&P Energy Sector Index
19.91пїЅ
13,46,101
Retirement Living at 2045
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxia/index.html
N/A
19.91пїЅ
13,97
Retirement Living at 2050
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxja/index.html
11.65пїЅ
9.30пїЅ
12,14,61
MFS Utilities Fund
Sector
www.viewjhfunds.com/USA/C01/ulfa/index.html
4.67пїЅ
1.14пїЅ
12,13,14,22,91
Utilities Fund
Sector
www.viewjhfunds.com/USA/C01/ulta/index.html
4.72пїЅ
-17.06пїЅ
12,14,57
T. Rowe Price Health Sciences Fund
Sector
www.viewjhfunds.com/USA/C01/hlsa/index.html
Since
Inception
-5.81пїЅ
12,13,14,15,22,91
Financial Services Fund
Sector
www.viewjhfunds.com/USA/C01/fsfa/index.html
10 yr.
-5.81пїЅ
13,14,22,57,62,91,92
Science & Technology Fund
Sector
www.viewjhfunds.com/USA/C01/stfa/index.html
5 yr.
12.29%
14,62
T. Rowe Price Science & Technology Fund
Sector
www.viewjhfunds.com/USA/C01/scta/index.html
1 yr.
-0.24пїЅ
2.92пїЅ
0.58пїЅ
S&P 500 (80пїЅ S&P 500/20пїЅ BarCap Agg Bond)
Page 11 of 29
*
VARIABLE RETURN INVESTMENTS
Average Annual Total Return
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
13,46,101
Retirement Living at 2015
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxca/index.html
Asset
Allocation
- Lifecycle
-1.10пїЅ
1.30пїЅ
N/A
1.92пїЅ
Asset
Allocation
- Lifecycle
-0.03пїЅ
1.91пїЅ
N/A
2.48пїЅ
Asset
Allocation
- Lifecycle
N/A
N/A
N/A
-7.56%
Asset
Allocation
- Lifecycle
-0.67пїЅ
N/A
N/A
3.23%
Asset
Allocation
- Lifecycle
-0.63пїЅ
N/A
N/A
3.35%
Asset
Allocation
- Lifecycle
-0.34пїЅ
N/A
N/A
3.45%
Asset
Allocation
- Lifecycle
0.43пїЅ
N/A
N/A
3.80%
Asset
Allocation
- Lifecycle
1.69пїЅ
N/A
N/A
4.37%
Asset
Allocation
- Lifecycle
3.49пїЅ
N/A
N/A
5.34пїЅ
N/A
N/A
6.56пїЅ
N/A
N/A
-6.76пїЅ
-1.53пїЅ
3.82пїЅ
-4.94пїЅ
0.11пїЅ
4.37пїЅ
3.81пїЅ
Investment Options as of Jul/30/2012
Asset
Allocation
- Lifestyle
-2.20пїЅ
1.52пїЅ
5.03пїЅ
4.72пїЅ
4.67пїЅ
-0.24пїЅ
2.92пїЅ
4.67пїЅ
-0.24пїЅ
2.92пїЅ
4.67пїЅ
-0.24пїЅ
2.92пїЅ
4.67пїЅ
-0.24пїЅ
2.92пїЅ
4.67пїЅ
6.50пїЅ
5.77пїЅ
7.00пїЅ
6.50пїЅ
5.77пїЅ
7.00пїЅ
BarCap Agg Bond (28пїЅ S&P
500/72пїЅ BarCap Agg Bond)
6.50пїЅ
5.77пїЅ
7.00пїЅ
BarCap Agg Bond (8пїЅ S&P
500/92пїЅ BarCap Agg Bond)
-0.24пїЅ
2.92пїЅ
3.74пїЅ
S&P 500 TR
-0.24пїЅ
2.92пїЅ
3.74пїЅ
S&P 500 (80пїЅ S&P 500/20пїЅ BarCap Agg Bond)
2.11пїЅ
9,13,68,101
Lifestyle Fund - Balanced Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/blsa/index.html
2.92пїЅ
BarCap Agg Bnd(47.5пїЅ S&P
500/52.5пїЅ BarCap Agg Bnd)
2.11пїЅ
Asset
Allocation
- Lifestyle
-0.24пїЅ
S&P 500 (65пїЅ S&P 500/35пїЅ BarCap Agg Bond)
2.62пїЅ
13,68,101
Lifestyle Fund - Growth Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/glsa/index.html
N/A
S&P 500 (74пїЅ S&P 500/26пїЅ BarCap Agg Bond)
2.11пїЅ
Asset
Allocation
- Lifestyle
2.92пїЅ
S&P 500 (80пїЅ S&P 500/20пїЅ BarCap Agg Bond)
6.32%
13,68,101
Lifestyle Fund - Aggressive Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/alsa/index.html
-0.24пїЅ
S&P 500 (82пїЅ S&P 500/18пїЅ BarCap Agg Bond)
7.84пїЅ
Asset
Allocation
- Lifecycle
0.58пїЅ
S&P 500 (82пїЅ S&P 500/18пїЅ BarCap Agg Bond)
5.89%
2,13,101
Retirement Choices at 2010
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czba/index.html
2.92пїЅ
S&P 500 (82пїЅ S&P 500/18пїЅ BarCap Agg Bond)
7.84пїЅ
Asset
Allocation
- Lifecycle
-0.24пїЅ
S&P 500 (60пїЅ S&P 500/40пїЅ BarCap Agg Bond)
5.09%
2,13,101
Retirement Choices at 2015
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czca/index.html
S&P 500 (70пїЅ S&P 500/30пїЅ BarCap Agg Bond)
7.84пїЅ
2,13,101
Retirement Choices at 2020
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czda/index.html
0.58пїЅ
2.11пїЅ
2,13,101
Retirement Choices at 2025
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czea/index.html
2.92пїЅ
2.11пїЅ
2,13,101
Retirement Choices at 2030
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czfa/index.html
-0.24пїЅ
2.11пїЅ
2,13,101
Retirement Choices at 2035
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czga/index.html
2.11пїЅ
2.11пїЅ
2,13,101
Retirement Choices at 2040
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czha/index.html
Since
Inception
2.11пїЅ
2,13,101
Retirement Choices at 2045
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czia/index.html
10 yr.
2.11пїЅ
13,97
Retirement Choices at 2050
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czja/index.html
5 yr.
2.11пїЅ
13,46,57,101
Retirement Living at 2010
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxba/index.html
1 yr.
-0.24пїЅ
2.92пїЅ
3.74пїЅ
S&P 500 (60пїЅ S&P 500/40пїЅ BarCap Agg Bond)
Page 12 of 29
*
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
13,31,68,101
Lifestyle Fund - Moderate Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/mlsa/index.html
Asset
Allocation
- Lifestyle
1.02пїЅ
3.16пїЅ
5.28пїЅ
5 yr.
10 yr.
Since
Inception
7.84пїЅ
6.50пїЅ
5.77пїЅ
6.16пїЅ
5.31пїЅ
BarCap Agg Bond (40пїЅ S&P
500/60пїЅ BarCap Agg Bond)
7.84пїЅ
13,68,101
Lifestyle Fund - Conservative Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/clsa/index.html
1 yr.
Asset
Allocation
- Lifestyle
3.05пїЅ
4.55пїЅ
5.46пїЅ
5.75пїЅ
6.50пїЅ
5.77пїЅ
6.16пїЅ
BarCap Agg Bond (20пїЅ S&P
500/80пїЅ BarCap Agg Bond)
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 пїЅ
Per пїЅ1000
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
97
Dodge & Cox Stock Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/dcsa/index.html
13,31,54,73
Equity Income Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/eifa/index.html
5,13,73,101,102
Fundamental Large Cap Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/eqia/index.html
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
Investment Options as of Jul/30/2012
Growth
0.90пїЅ
пїЅ9.00
N/A
Growth
0.98пїЅ
пїЅ9.80
N/A
Growth
& Income
0.92пїЅ
пїЅ9.20
N/A
Growth
& Income
0.87пїЅ
пїЅ8.70
N/A
Growth
& Income
0.78пїЅ
пїЅ7.80
N/A
Growth
& Income
1.02пїЅ
пїЅ10.20
N/A
Growth
& Income
1.18пїЅ
пїЅ11.80
N/A
Page 13 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
98
Value Index Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/lvia/index.html
87
BlackRock Basic Value Fund
Large Cap Value
www.viewjhfunds.com/USA/C01/bbva/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
Investment Options as of Jul/30/2012
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Growth
& Income
0.60пїЅ
пїЅ6.00
N/A
Growth
& Income
0.80пїЅ
пїЅ8.00
N/A
Growth
& Income
1.09пїЅ
пїЅ10.90
N/A
Growth
& Income
0.80пїЅ
пїЅ8.00
N/A
Growth
1.25пїЅ
пїЅ12.50
Redemption fee of 2.000пїЅ on all exchanges within a 30 day
43
period. See Important Notes for details.
Growth
0.81пїЅ
пїЅ8.10
N/A
Growth
1.11пїЅ
пїЅ11.10
N/A
Growth
0.78пїЅ
пїЅ7.80
N/A
Growth
& Income
0.92пїЅ
пїЅ9.20
N/A
Growth
& Income
0.80пїЅ
пїЅ8.00
N/A
Growth
& Income
1.10пїЅ
пїЅ11.00
N/A
Growth
& Income
0.84пїЅ
пїЅ8.40
N/A
Aggressive
Growth
1.14пїЅ
пїЅ11.40
N/A
Aggressive
Growth
1.24пїЅ
пїЅ12.40
N/A
Page 14 of 29
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
95,108
JPMorgan Large Cap Growth Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/jpma/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
Fidelity Contra Fund
Large Cap Growth
www.viewjhfunds.com/USA/C01/cona/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
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Aggressive
Growth
1.04пїЅ
пїЅ10.40
N/A
Growth
0.86пїЅ
пїЅ8.60
N/A
Growth
0.78пїЅ
пїЅ7.80
N/A
Growth
1.30пїЅ
пїЅ13.00
N/A
Growth
1.16пїЅ
пїЅ11.60
N/A
Growth
0.60пїЅ
пїЅ6.00
N/A
Growth
0.83пїЅ
пїЅ8.30
N/A
Growth
1.27пїЅ
пїЅ12.70
N/A
Growth
1.32пїЅ
пїЅ13.20
N/A
Growth
0.66пїЅ
пїЅ6.60
N/A
Growth
1.18пїЅ
пїЅ11.80
N/A
Growth
0.83пїЅ
пїЅ8.30
N/A
Growth
1.04пїЅ
пїЅ10.40
N/A
Growth
1.06пїЅ
пїЅ10.60
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
95,108
John Hancock Disciplined Value Mid Cap Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/dvma/index.html
13,22,31,41,53,91
Mid Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/mvfa/index.html
Investment Options as of Jul/30/2012
Page 15 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
12,32,71
JP Morgan Mid Cap Value Fund
Mid Cap Value
www.viewjhfunds.com/USA/C01/mida/index.html
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Growth
1.16пїЅ
пїЅ11.60
N/A
Aggressive
Growth
1.35пїЅ
пїЅ13.50
N/A
Growth
1.34пїЅ
пїЅ13.40
N/A
Growth
1.31пїЅ
пїЅ13.10
N/A
Aggressive
Growth
0.65пїЅ
пїЅ6.50
N/A
Aggressive
Growth
0.93пїЅ
пїЅ9.30
N/A
American Century Heritage Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/hera/index.html
Aggressive
Growth
1.16пїЅ
пїЅ11.60
N/A
Franklin Small-Mid Cap Growth Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/scga/index.html
Aggressive
Growth
1.00пїЅ
пїЅ10.00
N/A
Growth
1.04пїЅ
пїЅ10.40
N/A
Aggressive
Growth
1.47пїЅ
пїЅ14.70
N/A
DFA U.S. Targeted Value Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/duta/index.html
Aggressive
Growth
0.88пїЅ
пїЅ8.80
N/A
Small Cap Value Index Fund
Small Cap Value
www.viewjhfunds.com/USA/C01/visa/index.html
Growth
0.85пїЅ
пїЅ8.50
N/A
Growth
1.33пїЅ
пїЅ13.30
N/A
Aggressive
Growth
1.35пїЅ
пїЅ13.50
N/A
Aggressive
Growth
0.87пїЅ
пїЅ8.70
N/A
Fidelity Advisor Leveraged Company Stock Fund
Mid Cap Blend
www.viewjhfunds.com/USA/C01/flca/index.html
87,103,104
Aston/Fairpointe Mid Cap Fund
Mid Cap Blend
www.viewjhfunds.com/USA/C01/aoma/index.html
87
Lord Abbett Value Opportunities Fund
Mid Cap Blend
www.viewjhfunds.com/USA/C01/lvoa/index.html
4,13,54
SSgA Mid Cap Growth Index Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/ssga/index.html
13,23,41,47,73,90
Mid Cap Stock Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/mcsa/index.html
54,87
4
Prudential Jennison Mid Cap Growth Fund
Mid Cap Growth
www.viewjhfunds.com/USA/C01/jmga/index.html
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
Investment Options as of Jul/30/2012
3
Page 16 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
13,16,38,41,47,49,73,75
Small Cap Opportunities Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/spoa/index.html
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Growth
1.04пїЅ
пїЅ10.40
N/A
Growth
1.33пїЅ
пїЅ13.30
N/A
Growth
1.21пїЅ
пїЅ12.10
N/A
Growth
1.33пїЅ
пїЅ13.30
Redemption fee of 1.000пїЅ on all exchanges within a 90 day
59
period. See Important Notes for details.
Aggressive
Growth
0.74пїЅ
пїЅ7.40
N/A
Aggressive
Growth
1.00пїЅ
пїЅ10.00
N/A
Aggressive
Growth
1.16пїЅ
пїЅ11.60
N/A
Aggressive
Growth
1.27пїЅ
пїЅ12.70
N/A
Growth
0.76пїЅ
пїЅ7.60
N/A
Growth
0.86пїЅ
пїЅ8.60
N/A
Growth
0.87пїЅ
пїЅ8.70
N/A
Aggressive
Growth
1.11пїЅ
пїЅ11.10
N/A
Aggressive
Growth
1.20пїЅ
пїЅ12.00
N/A
Dodge & Cox International Stock Fund
International/Global Value
www.viewjhfunds.com/USA/C01/dcia/index.html
Aggressive
Growth
1.04пїЅ
пїЅ10.40
N/A
DFA International Value Fund
International/Global Value
www.viewjhfunds.com/USA/C01/dvfa/index.html
Aggressive
Growth
0.95пїЅ
пїЅ9.50
N/A
13,73
Small Company Value Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/smfa/index.html
97
Royce Pennsylvania Mutual Fund
Small Cap Blend
www.viewjhfunds.com/USA/C01/rpma/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
13,22,58,91
All Cap Core Fund
Multi Cap Blend
www.viewjhfunds.com/USA/C01/grfa/index.html
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
13,41,73
International Small Cap Fund
International/Global Value
www.viewjhfunds.com/USA/C01/isfa/index.html
97
Investment Options as of Jul/30/2012
Page 17 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
9,13,23,47,73
International Value Fund
International/Global Value
www.viewjhfunds.com/USA/C01/itva/index.html
13,70,73,74,79
International Core Fund
International/Global Value
www.viewjhfunds.com/USA/C01/itsa/index.html
41,80,81
Templeton World Fund
International/Global Value
www.viewjhfunds.com/USA/C01/diva/index.html
38,40,41,47,61,65,85
EuroPacific Growth Fund
International/Global Blend
www.viewjhfunds.com/USA/C01/epga/index.html
13,37,61,65
Capital World Growth and Income Fund
International/Global Blend
www.viewjhfunds.com/USA/C01/cgia/index.html
42,61
Mutual Global Discovery Fund
International/Global Blend
www.viewjhfunds.com/USA/C01/disa/index.html
13,53,57,73
International Opportunities Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/iofa/index.html
21,56
Oppenheimer Developing Markets Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/dmka/index.html
13,37,61,65
SMALLCAP World Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/aswa/index.html
13,37,61,65
New World Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/anwa/index.html
13
John Hancock International Growth Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/igra/index.html
3
Oppenheimer International Growth Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/oiga/index.html
33
Thornburg International Value Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/tiva/index.html
29,56,81
Oppenheimer Global Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/wwfa/index.html
13,37,61,65
New Perspective Fund
International/Global Growth
www.viewjhfunds.com/USA/C01/anpa/index.html
Investment Options as of Jul/30/2012
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Aggressive
Growth
0.97пїЅ
пїЅ9.70
N/A
Aggressive
Growth
1.07пїЅ
пїЅ10.70
N/A
Growth
1.07пїЅ
пїЅ10.70
N/A
Aggressive
Growth
1.00пїЅ
пїЅ10.00
N/A
Growth
0.95пїЅ
пїЅ9.50
N/A
Growth
& Income
1.26пїЅ
пїЅ12.60
N/A
Aggressive
Growth
1.02пїЅ
пїЅ10.20
N/A
Aggressive
Growth
1.25пїЅ
пїЅ12.50
N/A
Aggressive
Growth
1.22пїЅ
пїЅ12.20
N/A
Aggressive
Growth
1.16пїЅ
пїЅ11.60
N/A
Aggressive
Growth
1.15пїЅ
пїЅ11.50
N/A
Aggressive
Growth
1.12пїЅ
пїЅ11.20
N/A
Aggressive
Growth
1.25пїЅ
пїЅ12.50
N/A
Growth
1.15пїЅ
пїЅ11.50
N/A
Growth
0.96пїЅ
пїЅ9.60
N/A
Page 18 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
BOND FUNDS
4,83
T. Rowe Price Short Term Bond Fund
High Quality Short Term Fixed Income
www.viewjhfunds.com/USA/C01/stba/index.html
15,83
Short-Term Federal Fund
High Quality Short Term Fixed Income
www.viewjhfunds.com/USA/C01/gova/index.html
13,22,82,83,91,101
Money Market Fund
High Quality Short Term Fixed Income
www.viewjhfunds.com/USA/C01/mmra/index.html
Income
0.89пїЅ
пїЅ8.90
N/A
Income
0.70пїЅ
пїЅ7.00
N/A
Conservative
0.55пїЅ
пїЅ5.50
N/A
Money Market Fund current 7-day yield is -0.17пїЅ. The current yield quotation more closely reflects the current earnings of the Money Market Fund as of the date this report was
prepared while the Annualized returns above refer to a specific past holding period reflecting the period covered by this report. Although the fund strives to maintain a positive
yield, there is no guarantee the fund will be able to do so. An investment in the underlying Money Market fund is not insured or guaranteed by the Federal Deposit Insurance
Corporation or any other government agency. The underlying fund seeks to preserve a value of пїЅ1.00 per share but it is possible to lose money by investing in the Money Market
Fund that invests in the underlying fund.
10,13,69,73
Active Bond Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/dvba/index.html
13,73
Investment Quality Bond Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/iqba/index.html
13,62,73
Total Return Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/trfa/index.html
13,53,73,106
Core Bond Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/cora/index.html
41,62
PIMCO Total Return Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/trna/index.html
13,37,61,65
U.S. Government Securities Fund
High Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/agsa/index.html
13,38,73
Real Return Bond Fund
High Quality Long Term Fixed Income
www.viewjhfunds.com/USA/C01/rrba/index.html
87
DFA Inflation-Protected Securities Fund
High Quality Long Term Fixed Income
www.viewjhfunds.com/USA/C01/inpa/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
Medium Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/inca/index.html
Investment Options as of Jul/30/2012
Income
0.69пїЅ
пїЅ6.90
N/A
Income
0.68пїЅ
пїЅ6.80
N/A
Income
0.78пїЅ
пїЅ7.80
N/A
Income
0.68пїЅ
пїЅ6.80
N/A
Income
0.96пїЅ
пїЅ9.60
N/A
Income
0.79пїЅ
пїЅ7.90
N/A
Income
0.80пїЅ
пїЅ8.00
N/A
Income
0.63пїЅ
пїЅ6.30
N/A
Income
0.95пїЅ
пїЅ9.50
N/A
Income
1.04пїЅ
пїЅ10.40
N/A
Page 19 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
95,108,109
Payden/Kravitz Cash Balance Plan Fund
Medium Quality Intermediate Term Fixed Income
www.viewjhfunds.com/USA/C01/pkca/index.html
8,13,15,22,39,48,91,101
Strategic Income Opportunities Fund
Medium Quality Intermediate Term Fixed Income
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
13,41,45,53,73
U.S. High Yield Bond Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/usha/index.html
13,37,61,65
American High-Income Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/ahia/index.html
87,88
Federated Institutional High Yield Bond Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/fhya/index.html
83,105
Floating Rate Income Fund
High Yield Bond
www.viewjhfunds.com/USA/C01/fria/index.html
13,73
Global Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/glba/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
87
Templeton Global Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/tgba/index.html
13,37,61,65
Capital World Bond Fund
Global Bond
www.viewjhfunds.com/USA/C01/cwba/index.html
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Income
1.25пїЅ
пїЅ12.50
N/A
Income
0.83пїЅ
пїЅ8.30
N/A
Income
0.76пїЅ
пїЅ7.60
N/A
Income
0.82пїЅ
пїЅ8.20
N/A
Income
0.87пїЅ
пїЅ8.70
N/A
Income
0.95пїЅ
пїЅ9.50
Redemption fee of 2.000пїЅ on all exchanges within a 90 day
88
period. See Important Notes for details.
Income
0.77пїЅ
пїЅ7.70
N/A
Income
0.85пїЅ
пїЅ8.50
N/A
Income
1.05пїЅ
пїЅ10.50
N/A
Income
0.98пїЅ
пїЅ9.80
N/A
Income
0.89пїЅ
пїЅ8.90
N/A
Income
1.03пїЅ
пїЅ10.30
N/A
OTHER FUNDS
Franklin Templeton Founding Funds Allocation Fund
Balanced
www.viewjhfunds.com/USA/C01/tffa/index.html
33
Ivy Asset Strategy Fund
Balanced
www.viewjhfunds.com/USA/C01/iasa/index.html
Investment Options as of Jul/30/2012
7,61
Growth
& Income
1.06пїЅ
пїЅ10.60
N/A
Growth
& Income
0.99пїЅ
пїЅ9.90
N/A
Page 20 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
87
T. Rowe Price Capital Appreciation Fund
Balanced
www.viewjhfunds.com/USA/C01/tcpa/index.html
13,37,61,65
Capital Income Builder
Balanced
www.viewjhfunds.com/USA/C01/ciba/index.html
1
Pax World Balanced Fund
Balanced
www.viewjhfunds.com/USA/C01/paxa/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
11,13,37,60,101
Core Fundamental Holdings Portfolio
Balanced
www.viewjhfunds.com/USA/C01/afha/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
Investment Options as of Jul/30/2012
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Growth
& Income
1.07пїЅ
пїЅ10.70
N/A
Growth
& Income
0.82пїЅ
пїЅ8.20
N/A
Growth
& Income
1.05пїЅ
пїЅ10.50
N/A
Growth
& Income
0.81пїЅ
пїЅ8.10
N/A
Growth
& Income
1.05пїЅ
пїЅ10.50
N/A
Growth
& Income
0.80пїЅ
пїЅ8.00
N/A
Growth
& Income
1.14пїЅ
пїЅ11.40
N/A
Growth
& Income
1.39пїЅ
пїЅ13.90
N/A
Growth
& Income
1.00пїЅ
пїЅ10.00
N/A
Growth
& Income
1.00пїЅ
пїЅ10.00
N/A
Growth
& Income
2.10пїЅ
пїЅ21.00
N/A
Aggressive
Growth
0.63пїЅ
пїЅ6.30
N/A
Aggressive
Growth
0.60пїЅ
пїЅ6.00
N/A
Growth
0.54пїЅ
пїЅ5.40
N/A
Growth
0.57пїЅ
пїЅ5.70
N/A
Page 21 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
9,13,22,76,91,101
500 Index Fund
Index
www.viewjhfunds.com/USA/C01/inda/index.html
6,13,22,24,72,91
Total Bond Market Fund
Index
www.viewjhfunds.com/USA/C01/bifa/index.html
33,93
Fidelity Advisor Gold Fund
Sector
www.viewjhfunds.com/USA/C01/fgaa/index.html
13,14,57,73
Real Estate Securities Fund
Sector
www.viewjhfunds.com/USA/C01/refa/index.html
13,14,38,73
Natural Resources Fund
Sector
www.viewjhfunds.com/USA/C01/resa/index.html
PIMCO Commodity Real Return Strategy Fund
Sector
www.viewjhfunds.com/USA/C01/crra/index.html
14,34,66
97
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
12,13,14,22,91
Utilities Fund
Sector
www.viewjhfunds.com/USA/C01/ulta/index.html
12,14,61
MFS Utilities Fund
Sector
www.viewjhfunds.com/USA/C01/ulfa/index.html
13,97
Retirement Living at 2050
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxja/index.html
13,46,101
Retirement Living at 2045
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxia/index.html
Investment Options as of Jul/30/2012
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Growth
& Income
0.53пїЅ
пїЅ5.30
N/A
Income
0.54пїЅ
пїЅ5.40
N/A
Aggressive
Growth
1.31пїЅ
пїЅ13.10
Redemption fee of 0.750пїЅ on all exchanges within a 30 day
93
period. See Important Notes for details.
Aggressive
Growth
0.79пїЅ
пїЅ7.90
N/A
Aggressive
Growth
1.12пїЅ
пїЅ11.20
N/A
Aggressive
Growth
1.24пїЅ
пїЅ12.40
N/A
Aggressive
Growth
0.84пїЅ
пїЅ8.40
N/A
Aggressive
Growth
1.17пїЅ
пїЅ11.70
N/A
Aggressive
Growth
1.16пїЅ
пїЅ11.60
N/A
Aggressive
Growth
0.91пїЅ
пїЅ9.10
N/A
Aggressive
Growth
1.17пїЅ
пїЅ11.70
N/A
Growth
0.97пїЅ
пїЅ9.70
N/A
Growth
1.04пїЅ
пїЅ10.40
N/A
Asset
Allocation
- Lifecycle
1.11пїЅ
пїЅ11.10
N/A
Asset
Allocation
- Lifecycle
1.01пїЅ
пїЅ10.10
N/A
Page 22 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
13,46,101
Retirement Living at 2040
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxha/index.html
13,46,101
Retirement Living at 2035
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxga/index.html
13,46,101
Retirement Living at 2030
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxfa/index.html
13,46,101
Retirement Living at 2025
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxea/index.html
13,46,101
Retirement Living at 2020
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxda/index.html
13,46,101
Retirement Living at 2015
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxca/index.html
13,46,57,101
Retirement Living at 2010
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/lxba/index.html
13,97
Retirement Choices at 2050
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czja/index.html
2,13,101
Retirement Choices at 2045
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czia/index.html
2,13,101
Retirement Choices at 2040
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czha/index.html
2,13,101
Retirement Choices at 2035
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czga/index.html
2,13,101
Retirement Choices at 2030
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czfa/index.html
2,13,101
Retirement Choices at 2025
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czea/index.html
2,13,101
Retirement Choices at 2020
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czda/index.html
2,13,101
Retirement Choices at 2015
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czca/index.html
Investment Options as of Jul/30/2012
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Asset
Allocation
- Lifecycle
1.01пїЅ
пїЅ10.10
N/A
Asset
Allocation
- Lifecycle
1.00пїЅ
пїЅ10.00
N/A
Asset
Allocation
- Lifecycle
1.00пїЅ
пїЅ10.00
N/A
Asset
Allocation
- Lifecycle
0.99пїЅ
пїЅ9.90
N/A
Asset
Allocation
- Lifecycle
0.98пїЅ
пїЅ9.80
N/A
Asset
Allocation
- Lifecycle
0.97пїЅ
пїЅ9.70
N/A
Asset
Allocation
- Lifecycle
0.96пїЅ
пїЅ9.60
N/A
Asset
Allocation
- Lifecycle
0.82пїЅ
пїЅ8.20
N/A
Asset
Allocation
- Lifecycle
0.82пїЅ
пїЅ8.20
N/A
Asset
Allocation
- Lifecycle
0.81пїЅ
пїЅ8.10
N/A
Asset
Allocation
- Lifecycle
0.81пїЅ
пїЅ8.10
N/A
Asset
Allocation
- Lifecycle
0.82пїЅ
пїЅ8.20
N/A
Asset
Allocation
- Lifecycle
0.81пїЅ
пїЅ8.10
N/A
Asset
Allocation
- Lifecycle
0.82пїЅ
пїЅ8.20
N/A
Asset
Allocation
- Lifecycle
0.83пїЅ
пїЅ8.30
N/A
Page 23 of 29
FEES AND EXPENSES
Risk
Category
Name/Type of Option
2,13,101
Retirement Choices at 2010
Asset Allocation - Lifecycle
www.viewjhfunds.com/USA/C01/czba/index.html
13,68,101
Lifestyle Fund - Aggressive Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/alsa/index.html
13,68,101
Lifestyle Fund - Growth Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/glsa/index.html
9,13,68,101
Lifestyle Fund - Balanced Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/blsa/index.html
13,31,68,101
Lifestyle Fund - Moderate Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/mlsa/index.html
13,68,101
Lifestyle Fund - Conservative Portfolio
Asset Allocation - Lifestyle
www.viewjhfunds.com/USA/C01/clsa/index.html
Total Annual Operating Expenses
as of 06/30/2012
As a пїЅ
Per пїЅ1000
Shareholder-Type Fees
Asset
Allocation
- Lifecycle
0.84пїЅ
пїЅ8.40
N/A
Asset
Allocation
- Lifestyle
1.10пїЅ
пїЅ11.00
N/A
Asset
Allocation
- Lifestyle
1.07пїЅ
пїЅ10.70
N/A
Asset
Allocation
- Lifestyle
1.00пїЅ
пїЅ10.00
N/A
Asset
Allocation
- Lifestyle
0.99пїЅ
пїЅ9.90
N/A
Asset
Allocation
- Lifestyle
0.92пїЅ
пїЅ9.20
N/A
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.
Investment Options as of Jul/30/2012
Page 24 of 29
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.
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.
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
Hancock representative for more information.
17
This sub-account previously invested in a different underlying portfolio. It began
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.
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
1
This sub-account was introduced November 6, 2009.
2
This sub-account was introduced May 7, 2010.
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.
6
The name of this sub-account changed effective on or about May 5, 2008.
7
This sub-account was introduced May 2, 2008.
8
The underlying fund changed its name effective on or about May 10, 2010.
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 10, 2010 to
more accurately reflect the name of the underlying fund.
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.
10
The underlying fund changed its sub-advisor on December 15, 2010 from Declaration
Management & Research LLC/MFC Global Investment Management (U.S.A.) Limited to
Declaration Management & Research LLC/John Hancock Asset Management, a division
of Manulife Asset Management (North America) Limited.
11
The underlying fund changed its name effective on or about May 10, 2010.
Performance shown for periods prior to that date reflect the results under its former
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
0.50пїЅ.
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.
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
The underlying fund changed its name effective on or about May 9, 2011.
Performance shown for periods prior to that date reflect the results under its former
name.
23
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about October 29, 2007. Consult your John Hancock
representative for more information.
24
Effective on or about November 5, 2007, the underlying fund changed its name to
the John Hancock Trust - Total Bond Market Trust.
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.
29
This sub-account previously invested in a different underlying portfolio. It began
investing in the current underlying portfolio effective November 25, 2002. Performance
shown for periods prior to that date is based on the performance of the current
underlying portfolio.
31
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about April 27, 2009. Contact your John Hancock
representative for more information.
32
This sub-account previously invested in a different underlying portfolio. It began
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
more accurately reflect the name of the underlying fund.
33
This sub-account was introduced May 29, 2009.
34
This sub-account was introduced September 6, 2002.
36
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 10,
2010. Performance shown for periods prior to that date is based on the performance of
the current share class.
37
Investment Options as of Jul/30/2012
This sub-account was introduced August 21, 2000.
30
This sub-account was introduced July 25, 2008.
Page 25 of 29
38
This sub-account was introduced May 2, 2003.
39
This sub-account was introduced May 14, 2004.
40
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 July 28,
2008. Performance shown for periods prior to that date is based on the performance of
the current share class.
41
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about October 27, 2008. Contact your John Hancock
representative for more information.
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
representative for more information.
43
Important Redemption Fee Information: Domini Social Equity Fund - Effective
August 18, 2008, the underlying fund will impose a 2пїЅ redemption fee on all selling/
exchanges of the fund over пїЅ25,000 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.
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
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about October 25, 2010. Please contact your John
Hancock representative for more information.
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.
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
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 November
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
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 November
8, 2010. Performance shown for periods prior to that date is based on the performance
of the current share class.
65
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 June 1,
2009. Performance shown for periods prior to that date is based on the performance of
the current share class.
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.
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 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
shown for periods prior to that date is based on the performance of the current
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 .20пїЅ higher than the current
sub-account charge.
69
Account balance reported may include assets transferred from another Fund which
was permanently closed between April 25, 2004 and May 1, 2004.
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.
51
Effective June 1, 2009, the underlying fund changed its name to the Domini Social
Equity Fund Investor Shares.
70
53
71
50
This sub-account was introduced on or about May 6, 2005.
54
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about April 18, 2011. Please contact your John Hancock
representative for more information.
55
This sub-account previously invested in a different underlying portfolio. It began
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
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 November
10, 2008. Performance shown for periods prior to that date is based on the
performance of the current share class.
57
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about October 26, 2009. Contact your John Hancock
representative for more information.
58
The underlying fund changed its sub-advisor on May 9, 2011 from Deutsche Asset
Management, Inc. to QS Investors, LLC.
59
Important Redemption Fee Information: T. Rowe Price Small Cap Value Fund Effective January 1, 2005, the underlying fund will impose a 1пїЅ redemption fee
Investment Options as of Jul/30/2012
The underlying fund changed its sub-adviser effective August 1, 2005. Performance
shown for periods prior to that date reflect the results under the former sub-adviser.
Only available under certain limited circumstances. Consult your John Hancock
representative for more information.
72
This sub-account was introduced on or about May 5, 2006.
73
This sub-account previously invested in a different underlying portfolio. It began
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
representative for more information.
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.
Page 26 of 29
77
The underlying fund changed its sub-advisor on November 8, 2010 from Van Kampen
Investments to Invesco Advisers, Inc.
96
79
97
This sub-account previously invested in a different underlying portfolio. It began
investing in the current underlying portfolio effective on or about November 6, 2006.
80
This sub-account previously invested in a different underlying portfolio. It began
investing in the current underlying portfolio effective April 30, 2001. Performance
shown for periods prior to that date is based on the performance of the current
underlying portfolio.
81
This sub-account previously invested in a different underlying portfolio. It began
investing in the current underlying portfolio effective February 9, 2004. Performance
shown for periods prior to that date is based on the performance of the current
underlying portfolio.
82
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about October 30, 2006. Contact your John Hancock
representative for more information.
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.
Changes were made to this sub-account effective on or about October 30, 2006.
Contact a John Hancock representative for more information.
This sub-account was introduced May 6, 2011.
98
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 9,
2011. Performance shown for periods prior to that date is based on the performance of
the current share class.
100
The underlying fund changed its name effective on or about May 9, 2011.
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 9, 2011 to
more accurately reflect the name of the underlying fund.
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
This sub-account previously invested in a different underlying portfolio. It began
investing in the current underlying portfolio effective November 7, 2011. 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
November 7, 2011 to more accurately reflect the name of the underlying fund.
103
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about April 22, 2006. Contact your John Hancock
representative for more information.
The underlying fund changed its name effective on or about November 7, 2011.
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 November 7, 2011
to more accurately reflect the name of the underlying fund.
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.
104
87
105
88
106
85
This sub-account was introduced November 5, 2010.
Important Redemption Fee Information: Federated Institutional High Yield Bond
Fund - Effective November 5, 2010, the underlying fund will impose a 2пїЅ 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.
90
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about April 28, 2008. Contact your John Hancock
representative for more information.
The underlying fund's manager changed its name from Optimum Investment
Advisors, LLC to Fairpointe Captial, LLC. on or about November 7, 2011. Contact your
John Hancock representative for more information.
This sub-account was introduced November 4, 2011.
Account balance reported may include assets transferred from another Fund, which
was permanently closed on or about April 23, 2012. Please contact your John Hancock
representative for more information.
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.
108
This sub-account was introduced May 4, 2012.
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 0.75пїЅ 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.
95
The availability of products, Funds and contract features may be subject to BrokerDealer Firm approval, State approval, Broker Licensing requirements, tax law
requirements, or other contract-related requirements. From time to time, changes
are made to Funds, and the availability of these changes may be subject to State
approvals or other compliance requirements. Please confirm with your local John
Hancock Representative if you have any questions about product, Fund or contract
feature availability.
Investment Options as of Jul/30/2012
109
The Fund is designed as an investment vehicle for cash balance pension plans.
The Fund seeks to earn a total return, net of the fund's fees and expenses, that is
equivalent to the interest crediting rate established by the Internal Revenue Service
for cash balance pension plans using the 30-year Treasury Bond Yield 12-Month Daily
average. The Fund seeks to earn this rate each calendar year. There is no guarantee
that any investment strategy will achieve its objectives.
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,
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,
Page 27 of 29
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.
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 (пїЅIPOпїЅ) Risk
Additional Risks Applicable to Certain Funds
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.
Commodity Risk
Interest Rate 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
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.
Derivatives 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 (пїЅETFпїЅs) 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.
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
Investment Options as of Jul/30/2012
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.
Large Cap Risk
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.
Leverage Risk
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
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.
Page 28 of 29
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.
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.
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
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
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.
Short Sale 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
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.
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.
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
В© 2012 All rights reserved.
P19754
06/12-20575
GA03221210707
Investment Options as of Jul/30/2012
Page 29 of 29
John Hancock Lifecycle Portfolios^
Retirement planning based on your age and retirement date
Your qualified retirement plan offers a range of different investment options, including John Hancock’s Lifecycle Portfolios a series of two unique asset allocation portfolio suites referred to as Retirement Living Portfolios and Retirement Choices
Portfolios, both sub-advised by John Hancock Asset Management.
How Lifecycle Portfolios work
Generally, 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 longer make contributions.
As each Portfolio �glides’ over time, its asset mix is adjusted, based on its target date.
n Portfolios with a target date further in the future are invested more aggressively with a large allocation to equities. Portfolios
with a target date in the near future are invested more conservatively with an increased allocation to fixed income.
n Portfolios are regularly rebalanced and reallocated by our asset allocation professionals to maintain an investment mix
that reflects each Portfolio’s strategy, based on its target date.
And because you have different needs at retirement there are two Lifecycle suites available to you:
Living in Retirement
Retirement Choices – Taking you to retirement
n Lower exposure to equities in the Portfolio in the years leading up to
retirement
100%
90%
5%
5%
5%
5%
95%
95%
95%
95%
80%
n Aims to reduce volatility and preserve your assets in the years closest
to retirement
70%
n The Portfolio’s most conservative point – 8% equity and 92% fixed
income – occurs at the retirement date+
40%
n Gives you the opportunity to choose a new investment strategy once
your retirement date is reached
10%
n Gives you the opportunity to keep your assets in the same Portfolio
and draw income in your retirement years
n Portfolios are primarily invested in actively managed funds.
48%
62%
50%
52%
30%
20%
75%
25%
0%
40
35
30
25
20
15
10
5
5
10
Years to Retirement
100%
100%
90%
90%
80%
5%
5%
95%
95%
5%
5%
95%
95%
80%
70%
70%
60%
60%
50%
50%
40%
5%
5%
8%
15%
5%
5%
8%
95% 95%
15% 26%
92%
95% 95%
92% 85% 26%
38%
85%
74% 38% 48%
74% 62% 48%
62% 52%
20%
10%
10%
0%
35
30
40
35
30
Equity
Equity
25
20
Years to Retirement
25
20
Years to Retirement
Fixed income
Fixed income
+ Allocations may vary as a result of market swings or cash allocations held during unusual market or economic conditions.
25
Living in Retirement
Living in Retirement
52%
30%
20%
40
20
Range of allocation variance в‰ Target allocation
Fixed income
40%
30%
0%
15
Retirement
15
15
10
10
5
Retirement Date
Retirement Date
n The Portfolio’s most conservative point – 25% equity and 75% fixed
income – occurs 20 years after retirement+
38%
74%
Retirement Date
n Managed to retain the potential for growth in your investment, in the
years leading up to your retirement
26%
60%
Equity
n Higher overall exposure to equities in the Portfolio in the years leading
up to and through retirement
15%
92%
85%
n Portfolios are primarily invested in underlying index funds.
Retirement Living – Taking you through retirement
8%
5
Target allocation
Target allocation
75%
75%
25%
25%
5
5
10
15
10
20
Retirement
15
20
25
25
Retirement
Range of allocation variance в‰ Range of allocation variance в‰ Assumptions
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. For Retirement Living, it was assumed that participants, in their retirement years, 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. For Retirement Choices, it was assumed that once the target
date is reached, participants would withdraw their money and choose a new investment strategy for their retirement savings.
Lifecycle Portfolios may be for you if you want:
n One-step diversification
n A team of asset allocation professionals that rebalance and reallocate the Portfolios
n To periodically review your investments.
And
Retirement Choices Portfolios may be for you if you want:
n An asset allocation strategy that aims to preserve your assets in the years leading up to your
retirement by maintaining a noticeable and steady shift from equities to fixed income, giving you
the opportunity to choose a new investment strategy once your retirement date is reached.
Retirement Living Portfolios may be for you if you want:
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.
Once you’ve decided which Lifecycle Portfolio is appropriate 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,
he selects the 2040 Portfolio, which is the year in which he intends to retire and
stop making contributions to his retirement account.
CURRENT AGE
Or,
29 &
UNDER
2040
Portfolio
2045
Portfolio
2050
Portfolio
30 – 34
2035
Portfolio
2040
Portfolio
2045
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
65 & OVER
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.
P19970-GE
12/11-19970
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
В© 2011 All rights reserved.
GA11021110158
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