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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.



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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.

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.

Past performance does not guarantee future results. Diversification does not guarantee a profit or eliminate the risk of a loss.

All investments involve risk, including the possible loss of principal. The stock prices of midsize and small companies can change more frequently and dramatically than those of large companies. Growth stocks may be more susceptible to earnings disappointments, and value stocks may decline in price. Large company stocks could fall out of favor, and 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 industry or sector or that holds a limited number of securities may fluctuate more than a diversified portfolio. Fixed-income investments are subject to interest-rate and credit risk; their value will normally decline as interest rates rise or if a creditor is unable to make principal or interest payments. Investments in higher-yielding, lower-rated securities include a higher risk of default.

Shares of exchange-traded funds (ETFs) may trade at a premium or discount to their NAV in the secondary market, and an ETF’s holdings and returns may deviate from those of its index. These variations may be greater when markets are volatile or subject to unusual conditions. Errors in the construction or calculation of an ETF’s index may occur from time to time. Please see the ETFs’ prospectuses for additional risks.

A fund’s investment objectives, risks, charges, and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. To obtain a prospectus, contact your financial professional, call John Hancock Investments at 800-225-5291, or visit our website at jhinvestments.com. Please read the prospectus carefully before investing or sending money.

John Hancock Multifactor ETF shares are bought and sold at market price (not NAV), and are not individually redeemed from the fund. Brokerage commissions will reduce returns.

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.

Dimensional Fund Advisors LP receives compensation from John Hancock in connection with licensing rights to the John Hancock Dimensional indexes. Dimensional Fund Advisors LP does not sponsor, endorse, or sell, and makes no representation as to the advisability of investing in, John Hancock Multifactor ETFs. John Hancock ETFs are distributed by Foreside Fund Services, LLC, and are subadvised by Dimensional Fund Advisors LP. Foreside is not affiliated with John Hancock Funds, LLC or Dimensional Fund Advisors LP. © 2015 John Hancock. All rights reserved.

John Hancock ETFs are distributed by Foreside Fund Services, LLC, and are subadvised by Dimensional Fund Advisors LP. Foreside is not affiliated with John Hancock Funds, LLC or Dimensional Fund Advisors LP. © 2015 John Hancock. All rights reserved.