Lifestyle Moderate 529 Portfolio
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Fixed Income : | 60.00% |
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Equity : | 40.00% |
Investment Objective
This portfolio invests exclusively in the John Hancock Funds II Lifestyle Moderate Portfolio Class 5. This fund in turn seeks a balance between a high level of current income and growth of capital, with a greater emphasis on income. To pursue this goal, the fund invests in other underlying mutual funds. Normally, the fund invests approximately 40% of assets in underlying funds that invest primarily in equity securities and approximately 60% of assets in underlying funds that invest primarily in fixed-income securities. The variations in the target allocation between underlying funds that invest primarily in equity securities and underlying funds that invest primarily in fixed income securities are permitted up to 10% in either direction. Thus, the fund may have an equity/fixed-income fund allocation of 50%/50% or 30%/70%. The assets in the fund are rebalanced quarterly to maintain the selected percentage level.
Portfolio Holdings (%)
| as of November 28, 2008 | ||
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| John Hancock Funds II Lifestyle Moderate Portfolio Class 5 | 100.00 | |
Portfolio Performance (%)
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Maximum Sales Charges: Class A: 5.25% up front sales charge Class B: 5.00% contingent deferred sales charge (decreasing over 6 years) |
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The performance data presented represents past performance. Past performance is not a guarantee of future results and current performance may be lower or higher than the performance quoted. Investment returns in John Hancock Freedom 529 portfolios and the value of an investor’s units will fluctuate and may be worth more or less than original cost when redeemed. Performance current to the most recent month end is available by clicking here.
1 POP returns for Class A portfolios reflect the current initial sales charge of 5.25%. Class A units of each portfolio will also be charged an annual program management fee of 0.35%.
2 All Class B portfolios carry a 6-year contingent deferred sales charge (maximum of 5%, declining over 6 years). POP returns for Class B portfolios reflect the applicable sales charge for the period shown. Class B units of each portfolio are charged an annual program mangement fee of 0.35%. B share class units carry a six year Contingent Deferred Sales Charge (CDSC) of 5%, 4%, 4%, 3%, 2%, 1%, 0%, so that withdrawals made within six years of the contribution will be charged as follows: withdrawals made in year 1 will be assessed a 5% charge, in years 2 and 3, a 4% charge, in year 4 a 3% charge, in year 5 a 2% charge and in year 6 a 1% charge. On the first month of the seventh year, B shares will automatically convert to A shares on the 15th of the first month in the seventh year.
3 Class C2 units do not have a sales charge. Returns for Class C2 units reflect an annual program management fee of 0.35%.
All returns assume reinvestment of distributions at NAV. Investment return and principal value will fluctuate so that an investor's units when redeemed may be worth more or less than their original cost.
In addition to the sales charge and program expenses, each portfolio will bear its pro rata share of the investment management fees and other expenses of the underlying mutual funds in which it invests.
Performance does not reflect the annual account maintenance fee of $25.00.
For more information, including investment policies, charges, and expenses, ask your financial consultant for a Plan Disclosure Document. Please read the Plan Disclosure Document carefully before you invest or send money.