Terms and conditions

Important legal information about this website

(Disclaimers and Notices)


John Hancock Funds, LLC ("John Hancock") and this Web site are based in Boston, Massachusetts. John Hancock created this Web site for the convenience of its Internet visitors.

The information (including text, graphics, and functionality) is presented without express or implied warranties and is provided "AS IS". Due to the nature of the Internet, John Hancock cannot guarantee the accuracy of the information contained in this Web site or its suitability for any purpose.

This information is not an offer to sell or a solicitation of an offer to buy any security or any insurance product. No security or other product offered by John Hancock and its affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws or other laws of such jurisdiction. Some products may not be available in all states. In addition, the prospectus information available on this Web site is posted for informational purposes only.

The mutual funds and variable insurance products referred to in this Web site may be offered and sold only to persons in the United States and its territories. These products are distributed by John Hancock Financial Services, Signator Investors, Inc., and John Hancock Funds, LLC, Member FINRA | SIPC and other unaffiliated selling brokers.

The performance data shown represents past performance, and does not guarantee future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth less or more than their original cost. Performance data current to the most recent month end may be lower or higher than that cited, and can be found at jhinvestments.com.

This material does not constitute tax, legal, or accounting advice, and neither John Hancock nor any of its agents, employees, or registered representatives are in the business of offering such advice. It was not intended or written for use, and cannot be used by, any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisors.

Social Media

Information posted on this site is presented by John Hancock Funds, LLC and John Hancock Investments (John Hancock). John Hancock is not affiliated with Twitter, LinkedIn, Facebook, and YouTube, and is not responsible for Twitter, LinkedIn, Facebook, and YouTube's terms of service, privacy, or security policies. Twitter, LinkedIn, Facebook, and YouTube are social media platforms on which information that you post can be viewed by others. You should not post personally identifiable information on John Hancock Twitter, LinkedIn, Facebook, and YouTube sites, or other John Hancock social media platforms. John Hancock is not responsible for the content of comments posted by of others, including links to third-party sites, or how others may use comments posted by you. Users should always exercise discretion when clicking on links posted by others.

The views and opinions on this site attributable to John Hancock do not constitute investment advice or an offering of any products or services to specific users. The views and opinions of persons affiliated with John Hancock are their own and are subject to change. Users should consult with a financial professional before making any investment decision.



Large company stocks could fall out of favor. The stock prices of midsize and small companies can change more frequently and dramatically than those of large companies. Foreign investing, especially in emerging markets, has additional risks, such as currency and market volatility and political and social instability. A portfolio concentrated in one sector or that holds a limited number of securities may fluctuate more than a diversified portfolio. Hedging and other strategic transactions may increase volatility and result in losses if not successful. Illiquid securities may be difficult to sell at a price approximating their value. Fixed-income investments are subject to interest-rate and credit risk; their value will normally decline as interest rates rise or if an issuer is unable or unwilling to make principal or interest payments. Mortgage- and asset-backed securities may be sensitive to changes in interest rates and may be subject to early repayment and the market’s perception of issuer creditworthiness. Municipal bond prices can decline due to fiscal mismanagement or tax shortfalls, or if related projects become unprofitable. The interest earned on taxable municipal securities is fully taxable at the federal level and may be taxed at the state level. Liquidity—the extent to which a security may be sold or a derivative position closed without negatively affecting its market value, if at all—may be impaired by reduced trading volume, heightened volatility, rising interest rates, and other market conditions. Fund distributions generally depend on income from underlying investments and may vary or cease altogether in the future. The funds' ESG policy could cause them to perform differently than similar funds that do not have such a policy. Please see the funds' prospectuses for additional risks.


© 1999–2018 John Hancock Funds, LLC and affiliated companies. Member FINRA | SIPC, 601 Congress Street, Boston, MA 02210.


Click here to view a prospectus or summary prospectus. You may also request one from your financial advisor or by calling us at 800-225-5291. The prospectus includes investment objectives, risks, fees, expenses, and other information that you should consider carefully before investing.