Contributions under a group annuity contract issued by John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) are allocated to investment options which: (a) invest solely in shares of an underlying mutual fund, collective trust, or ETF; (b) invest in a combination of these; or (c) are Guaranteed Interest Accounts and which will be held in the John Hancock USA general account. The underlying securities in each portfolio are the primary factor Morningstar uses as the investment objective and investment strategy stated in a funds prospectus may not be sufficiently detailed for our proprietary classification methodology. The effect of short-term trading may disrupt or be potentially disruptive to the management of the fund underlying an investment option and may thereby adversely impact the underlying funds performance, either by impacting fund management practices or by increasing fund transaction costs. For further details, please refer to the Offering Circular and Declaration of Trust. These transactions qualify as party-in-interest . Crediting Rate is set in advance and is guaranteed by John Hancock Life Insurance Company (USA) and will not be less than 1%. For the protection of the participants, account changes are subject to the following short-term trading guidelines when exchanging investment options under your company's qualified retirement plan account with John Hancock. S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (junk bonds); and credit ratings of CCC+ or below have high default risk. : redemption fees), associated with the investment optionsselected under your Contract. The statements in this letter represent the views of the Division of Investment Management. 128. John Hancock Stable Value Fund - viewjhfunds.com 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 information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. The contracts provide daily liquidity at their contract value. Due to abnormal market conditions or redemption activity the fund may temporarily invest in cash and cash equivalents. The prospectuses (or Offering Memorandum/Trust Documents) for the sub-accounts underlying funds contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying funds which should be carefully considered before investing. Stable value funds and interest rates | John Hancock Retirement Federated Hermes Capital Preservation Fund MAY LOSE VALUE. John Hancock Stable Value Fund - viewjhfunds.com Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.For each underlying fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in the underlying funds monthly performance (does not include the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. For further details, please refer to the Offering Statement and Declaration of Trust. Indexes are unmanaged and cannot be invested in directly. 166. john hancock stable value fund financial statements (2022) The Expense Ratio ("ER") shown represents the total annual operating expenses for the investment options made available by John Hancock.
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