Portfolio 2009-2012
1 - 3 years to college
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Fixed Income : | 43.90% |
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Conservative Fixed Income : | 31.63% |
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Equity : | 24.47% |
Investment Objective
Using a moderate-risk approach, this portfolio seeks a modest return by investing in a mix of fixed-income and equity funds. This mix of funds offers exposure to equities while substantially diversifying in the fixed-income market to reduce the risk and volatility typically associated with the equity market.
Portfolio Holdings (%)
| as of June 30, 2010 | ||
|---|---|---|
| T. Rowe Price Short-Term Income Fund | 31.63 | |
| John Hancock Funds II Total Return Fund (subadvised by PIMCO) | 22.10 | |
| T. Rowe Price Spectrum Income Fund | 21.80 | |
| T. Rowe Price Blue Chip Growth Fund | 6.16 | |
| John Hancock Funds II Capital Appreciation Fund (subadvised by Jennison) | 5.94 | |
| T. Rowe Price Equity Income Fund | 4.96 | |
| John Hancock Funds II Fundamental Value Fund (subadvised by Davis) | 2.41 | |
| American Mutual Fund F | 2.38 | |
| John Hancock Disciplined Value Fund I (subadvised by Robeco) | 2.37 | |
| T. Rowe Price New Horizons Fund | 0.25 | |
| T. Rowe Price Mid-Cap Value Fund | 0.00 | |
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 performance reflects a 3.50% maximum sales charge for units purchased prior to June 3, 2002.
2 All Class A portfolios purchased on or after June 3, 2002 reflect the current sales load of 5.25%. Contributions to portfolios within accounts existing prior to June 3, 2003 will be generally subject to the original sales charge of 3.50%. However, when a material change is made on or after June 3, 2002 to an existing Account, the new sales charge will apply. Please see Disclosure Document for more details. Class A units of each portfolio will also be charged an annual program management fee of 0.35%.
3 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 management 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.
4 Class C units do not have a sales charge. For accounts established on or after October 1, 2002, Class C units are referred to as Class C2. Class C2 has an inception date of 9/30/02. Returns for Class C and 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.