Contract Number: 23540 Contract Name: WORKSMART SYSTEMS ...
Morningstar Ratings*1 and Ticker Symbols
Contract Name: WORKSMART SYSTEMS, INC. Contract Number: 23540 Prepared on Dec 17, 2015
This chart depicts the ticker symbols and Morningstar ratings for underlying funds selected. The ticker symbols and Morningstar ratings do not directly apply to the sub-account. Any public information accessed using these ticker symbols will not reflect charges at the sub-account level or charges under your plan's group annuity contract.
Investment Options*2
Underlying Fund and Ticker Symbols*13
As of Oct 31, 2015 Morningstar Morningstar Morningstar Category*14 Overall Rating*14 Funds in Cat*14
Equity Funds
Large Cap Value
John Hancock Disciplined Value Fund106,123,130,87
JHF III - John Hancock Disciplined Value Fund
JDVWX
Large Value
4
1197
Large Cap Growth
Blue Chip Growth Fund117,13,57,73,90 Mid Cap Value
JHF II Blue Chip Growth Fund
JIBCX
Large Growth
5
1512
JPMorgan Mid Cap Value Fund12,32,71 Mid Cap Growth
JP Morgan Mid Cap Value Fund
FLMVX Mid-Cap Value
5
13
Prudential Jennison Mid Cap Growth Fund4,71
Prudential Jennison Mid Cap Growth Fund
PEGZX Mid-Cap Growth
4
13
Small Cap Value
DFA U.S. Targeted Value Fund25 Small Cap Growth
DFA U.S. Targeted Value Portfolio
DFFVX
Small Value
4
367
Vanguard Explorer Fund120,125,39 International/Global Value
Vanguard Explorer
VEXRX
Small Growth
4
658
International Value Fund13,23,47,73,9 International/Global Blend
JHF II International Value Fund
JIVIX
Foreign
3
1651
Large Value
Capital World Growth and Income Fund37,61,65 International/Global Growth
Capital World Growth and Income Fund
RWIFX
World Stock
4
1259
Oppenheimer Developing Markets Fund21,56,71
Oppenheimer Developing Markets
ODVYX
Diversified
4
1590
Emerging Mkts
EuroPacific Growth Fund38,40,41,47,61,65,85
EuroPacific Growth Fund
RERFX
Foreign Large
4
1590
Growth
Oppenheimer International Growth Fund129,3
Oppenheimer International Growth Fund
OIGYX
Foreign Large
5
1590
Growth
Hybrid/Index/Sector Funds
Hybrid PIMCO All Asset Fund115,39
JH Retirement Through 2055 - Active Strategies114,126,13
JH Retirement Through 2050 - Active Strategies111,114,125,13,97
JH Retirement Through 2045 - Active Strategies101,111,114,125,13,46
JH Retirement Through 2040 - Active Strategies101,111,114,125,13,46
JH Retirement Through 2035 - Active Strategies101,111,114,125,13,46
PIMCO All Asset Admin JHF II - Retirement Living through 2055 JHF II - Retirement Living through 2050
JHF II - Retirement Living through 2045
JHF II - Retirement Living through 2040
JHF II - Retirement Living through 2035
PAALX Tactical Allocation
2
249
JLKUX Target Date 2051+
n/a
n/a
JLKOX
Target Date
3
182
2046-2050
JLJOX
Target Date
3
154
2041-2045
JLIOX
Target Date
3
197
2036-2040
JLHOX
Target Date
3
155
2031-2035
Page 1 of 9 NOT VALID WITHOUT ALL PAGES. For Intermediary use only. Not for distribution to members of the general public.
Morningstar Ratings*1 and Ticker Symbols
Contract Name: WORKSMART SYSTEMS, INC. Contract Number: 23540 Prepared on Dec 17, 2015
Investment Options*2
Hybrid/Index/Sector Funds
Hybrid JH Retirement Through 2030 - Active Strategies101,111,114,125,13,46 JH Retirement Through 2025 - Active Strategies101,111,114,125,13,46 JH Retirement Through 2020 - Active Strategies101,111,114,125,13,46 JH Retirement Through 2015 - Active Strategies101,111,114,125,13,46 JH Retirement Through 2010 - Active Strategies101,111,114,125,13,46,57 JH Lifestyle Aggressive - Active Strategies101,125,13,68
Underlying Fund and Ticker Symbols*13
JHF II - Retirement Living through 2030 JHF II - Retirement Living through 2025 JHF II - Retirement Living through 2020 JHF II - Retirement Living through 2015 JHF II - Retirement Living through 2010 JHF II Lifestyle Aggressive Portfolio
JLFOX JLEOX JLDOX JLBOX JLAOX JILAX
JH Lifestyle Growth - Active Strategies101,123,125,13,68
JHF II Lifestyle Growth Portfolio
JILGX
JH Lifestyle Balanced - Active Strategies101,123,125,13,68,9 JHF II Lifestyle Balanced Portfolio
JILBX
JH Lifestyle Moderate - Active Strategies101,125,13,31,68
JHF II Lifestyle Moderate Portfolio
JILMX
JH Lifestyle Conservative - Active Strategies101,125,13,68
Index International Equity Index Fund110,13,15,21,22,29,76,91
JHF II Lifestyle Conservative Portfolio JHVIT - International Equity Index Trust B
JILCX JIEQX
Small Cap Index Fund101,13,22,29,76,91 Mid Cap Index Fund101,13,22,48,57,76,82,91 500 Index Fund101,110,13,22,76,9,91 Total Bond Market Fund110,13,22,24,6,72,91
Sector Vanguard Energy Fund120,125,14,34 Science & Technology Fund122,13,14,22,57,62,91,92 Real Estate Securities Fund13,14,57,73 T. Rowe Price Health Sciences Fund12,14,57 Financial Industries Fund12,13,131,132,14,15,22,91 Utilities Fund115,12,13,14,22,91
JHVIT - Small Cap Index Trust JHVIT - Mid Cap Index Trust JHVIT - 500 Index Trust B JHVIT - Total Bond Market Trust B
Vanguard Energy JHVIT - Science & Technology Trust JHF II Real Estate Securities Fund T. Rowe Price Health Sciences JHVIT - Financial Industries Trust JHVIT - Utilities Trust
JESIX JECIX JFIVX JTBMX
VGELX JESTX JIREX PRHSX JEFSX JEUTX
As of Oct 31, 2015 Morningstar Morningstar Morningstar Category*14 Overall Rating*14 Funds in Cat*14
Target Date
4
202
2026-2030
Target Date
4
155
2021-2025
Target Date
4
202
2016-2020
Target Date
4
126
2011-2015
Target Date
4
116
2000-2010
Aggressive
3
400
Allocation
Aggressive
3
400
Allocation
Moderate
3
833
Allocation
Conservative
4
725
Allocation
Conservative
4
725
Allocation
Foreign
n/a
2366
Large Blend
Small Blend
3
2366
Mid-Cap Blend
4
2366
Large Blend
n/a
2366
Intermediate-
n/a
2366
Term Bond
Equity Energy
4
1141
Technology
3
1141
Real Estate
3
1141
Health
5
1141
Financial
3
1141
Utilities
3
1141
Fixed Income Funds
High Quality Short Term John Hancock Stable Value Fund13,142,143,26,27,39,52,89
John Hancock Stable Value Fund
n/a
Ultrashort Bond
n/a
590
Page 2 of 9 NOT VALID WITHOUT ALL PAGES. For Intermediary use only. Not for distribution to members of the general public.
Morningstar Ratings*1 and Ticker Symbols
Contract Name: WORKSMART SYSTEMS, INC. Contract Number: 23540 Prepared on Dec 17, 2015
Investment Options*2
Underlying Fund and Ticker Symbols*13
Fixed Income Funds
High Quality Intermediate Term Active Bond Fund10,13,69,73
JHF II Active Bond Fund
JIADX
Medium Quality Intermediate Term
T. Rowe Price Spectrum Income Fund Low Quality Intermediate Term
High Yield Fund115,13,45,54,69,73 Global Bond
Global Bond Fund13,73
T. Rowe Price Spectrum Income John Hancock II High Yield JHF II Global Bond Fund
RPSIX JIHDX JIGDX
Market Indexes
Market Indexes (comparison purposes only)
Standard & Poor's 500 Stock Index
n/a
n/a
Barclay's Capital Gov't/Corp. Bond Index
n/a
n/a
Lipper International Index
n/a
n/a
RUSSELL 2000 INDEX
n/a
n/a
As of Oct 31, 2015 Morningstar Morningstar Morningstar Category*14 Overall Rating*14 Funds in Cat*14
Intermediate-
5
1242
Term Bond
Multisector Bond
3
226
High Yield Bond
3
823
World Bond
3
568
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
Page 3 of 9 NOT VALID WITHOUT ALL PAGES. For Intermediary use only. Not for distribution to members of the general public.
Morningstar Ratings*1 and Ticker Symbols
Contract Name: WORKSMART SYSTEMS, INC. Contract Number: 23540 Prepared on Dec 17, 2015
Footnotes
Morningstar Portfolio Ratings All Morningstar data is ? 2014 by Morningstar, Inc. All rights reserved. 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. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. All funds with at least a 3-year history are ranked in a "category". Morningstar categories are assigned to a fund based on the underlying securities a fund has invested in over the past 3 years. Funds with scores in the top 10 of each category receive 5 stars (highest); the next 22.5, 4 stars (above average); the next 35, 3 stars (average); the next 22.5, 2 stars (below average); and the bottom 10, 1 star (lowest). Past performance is no guarantee of future results. Morningstar ratings are applicable to the underlying portfolio only and reflect historical risk-adjusted performance as of the most recent calendar quarter-end. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. Overall underlying Fund Rating is based on the 3-, 5- and 10-year Morningstar RiskAdjusted Returns and accounts for variations in a fund's monthly performance. Morningstar?, Inc. assigns a category based on the underlying securities in each fund's portfolio. Source for Morningstar Benchmark is Morningstar Direct for Mutual Funds. Morningstar data is ? 2014 by Morningstar, Inc. All rights reserved. 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. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Peer groups are unmanaged and cannot be invested in directly. *1 The performance data for a sub-account for any period prior to the sub-account Inception Date is hypothetical based on the performance of the underlying investment since inception of the underlying investment. All other performance data is actual (except as otherwise indicated). Returns for any period greater than one year are annualized. Performance data reflects changes in the prices of a sub-account's investments (including the shares of an underlying mutual fund, collective trust, or ETF), reinvestment of dividends and capital gains and deductions for the sub-account charges. The performance data presented represents past performance. Past performance is no guarantee of future results and current performance may be lower or higher than the performance quoted. An investment in a sub-account will fluctuate in value to reflect the value of the sub-account's underlying fund and, when redeemed, may be worth more or less than original cost. Performance does not reflect any applicable contract-level or participant-level charges, fees for guaranteed benefits if elected by participant, or any redemption fees imposed by an underlying mutual fund, collective trust or ETF. These charges, if included, would otherwise reduce the total return for a participant's account. Performance current for the most recent month-end is available at , plan sponsors please call 1-800-333-0963. *2 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 or (b) are Guaranteed Interest Accounts and which will be held in the John Hancock USA general
account. For more information on a particular investment option, please refer to John Hancock USA's Fund sheets, available through the Web site or your John Hancock USA representative. The placement of investment options within style boxes and according to potential risk/ return shows John Hancock USA's assessment of those options relative to one another and should not be used to compare these investment options available outside of John Hancock USA. John Hancock USA determines peer groups and indexes based on what it believes is the closest match in terms of investment objectives, policies, processes and style. Each investment option's peer group, index and style box and risk/return spectrum placement is subject to change. None of the Index Funds or the underlying portfolios are sponsored, endorsed, managed, advised, sold or promoted by any of the respective companies that sponsor the broadbased securities market index, and none of these companies make any representation regarding the advisability of investing in the Index Fund. Allocating assets to only one or a small number of the investment options generally should not be considered a balanced investment strategy. In particular, allocating assets to a small number of options concentrated in particular business or market sectors will subject your account or contract to increased risk and volatility. Examples of business or market sectors where this risk may be particularly high include: a) technology-related businesses, b) small-cap securities and c) foreign securities. John Hancock USA does not provide advice regarding appropriate investment allocations. Contact your financial representative for more details. *13 Denotes the fund symbol of the underlying fund (including share class) in which all assets of the subaccount are invested. The ticker symbol is for the underlying fund and not for the subaccount. Any public information accessed using this symbol will not reflect any charges at the subaccount level or charges under your plan's group annuity contract. *14 The Morningstar RatingTM, commonly called the "star rating", is a quantitative measure of both performance and risk. Each month, Morningstar scores funds with similar investment strategies on risk and return over 3, 5 or 10 years using the amount of variation in a fund's performance as a measure of risk. All funds with at least a 3year history are ranked in a "category". Morningstar categories are assigned to a fund based on the underlying securities a fund has invested in over the past 3 years. Funds with scores in the top 10 of each category receive 5 stars (highest); the next 22.5, 4 stars (above average); the next 35, 3 stars (average); the next 22.5, 2 stars (below average); and the bottom 10, 1 star (lowest). Past performance is no guarantee of future results. All Morningstar data is ? 2014 by Morningstar, Inc. All rights reserved. Morningstar ratings are applicable to the portfolio only and reflect historical risk-adjusted performance as of the date specified in this report. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. John Hancock Disciplined Value Fund: As of 10/31/15 the Fund was rated 4 stars out of 1197 funds, 4 stars out of 1055 funds and 5 stars out of 742 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information.
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Morningstar Ratings*1 and Ticker Symbols
Contract Name: WORKSMART SYSTEMS, INC. Contract Number: 23540 Prepared on Dec 17, 2015
Blue Chip Growth Fund: As of 10/31/15 the Fund was rated 5 stars out of 1512 funds, 5 stars out of 1331 funds and 4 stars out of 931 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JPMorgan Mid Cap Value Fund: As of 10/31/15 the Fund was rated 4 stars out of 13 funds, 5 stars out of 13 funds and 5 stars out of 249 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. Prudential Jennison Mid Cap Growth Fund: As of 10/31/15 the Fund was rated 3 stars out of 13 funds, 3 stars out of 12 funds and 4 stars out of 437 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. DFA U.S. Targeted Value Fund: As of 10/31/15 the Fund was rated 4 stars out of 367 funds, 4 stars out of 315 funds and 3 stars out of 200 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. Vanguard Explorer Fund: As of 10/31/15 the Fund was rated 4 stars out of 658 funds, 4 stars out of 584 funds and 3 stars out of 416 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. International Value Fund: As of 10/31/15 the Fund was rated 2 stars out of 1651 funds, 3 stars out of 1206 funds and 3 stars out of 604 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. Capital World Growth and Income Fund: As of 10/31/15 the Fund was rated 3 stars out of 1259 funds, 3 stars out of 974 funds and 4 stars out of 754 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. Oppenheimer Developing Markets Fund: As of 10/31/15 the Fund was rated 3 stars out of 1590 funds, 4 stars out of 1157 funds and 5 stars out of 581 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. EuroPacific Growth Fund: As of 10/31/15 the Fund was rated 4 stars out of 1590 funds, 3 stars out of 1157 funds and 4 stars out of 581 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. Oppenheimer International Growth Fund: As of 10/31/15 the Fund was rated 4 stars out of 1590 funds, 5 stars out of 1157 funds and 5 stars out of 581 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. PIMCO All Asset Fund: As of 10/31/15 the Fund was rated 2 stars out of 249 funds, 2 stars out of 139 funds and 3 stars out of 52 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2050 - Active Strategies: As of 10/31/15 the Fund was rated 3 stars out of 182 funds for the 3-year period. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2045 - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 154 funds and 3 stars out of 122 funds for the 3- and 5-year
periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2040 - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 197 funds and 3 stars out of 165 funds for the 3- and 5-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2035 - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 155 funds and 3 stars out of 123 funds for the 3- and 5-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2030 - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 202 funds and 4 stars out of 170 funds for the 3- and 5-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2025 - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 155 funds and 4 stars out of 123 funds for the 3- and 5-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2020 - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 202 funds and 4 stars out of 170 funds for the 3- and 5-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2015 - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 126 funds and 4 stars out of 111 funds for the 3- and 5-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Retirement Through 2010 - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 116 funds and 4 stars out of 106 funds for the 3- and 5-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Lifestyle Aggressive - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 400 funds, 3 stars out of 335 funds and 3 stars out of 246 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Lifestyle Growth - Active Strategies: As of 10/31/15 the Fund was rated 3 stars out of 400 funds, 3 stars out of 335 funds and 3 stars out of 246 funds for the 3-, 5and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Lifestyle Balanced - Active Strategies: As of 10/31/15 the Fund was rated 3 stars out of 833 funds, 3 stars out of 717 funds and 3 stars out of 484 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Lifestyle Moderate - Active Strategies: As of 10/31/15 the Fund was rated 4 stars out of 725 funds, 4 stars out of 567 funds and 4 stars out of 345 funds for the 3-, 5- and 10-year periods, respectively. Rating includes effects of sales changes, loads and redemption fees. Refer to the rating criteria for more information. JH Lifestyle Conservative - Active Strategies: As of 10/31/15 the Fund was rated 3 stars out of 725 funds, 3 stars out of 567 funds and 4 stars out of 345 funds for the
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