John Hancock Retirement Plan Services
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SIP Stable Value Portfolio

AS OF 2024-09-30
INVESTMENT STRATEGY:

This is not a mutual fund. The Option seeks to provide a low risk, stable investment offering competitive yields. This Option may also invest in cash and cash equivalents from time to time, for liquidity purposes. The rate you receive is a blend of the rates of the Option’s investments. While the Option’s primary objective is to maintain a stable value, the Option is not guaranteed by the FDIC or the federal government. This Option may serve to balance other higher risk/return investments. The Option may be appropriate for investors who are seeking to accumulate current income while preserving the value of their original investment.

Fund Category:
Cash

PORTFOLIO DETAILS

Inception Date 2021-07-02
Gross Expense Ratiof1 (%) 0.31
Net Expense Ratiof1 (%) 0.31
Fund Total Net Assets ($M) 236.82

TOP TEN HOLDINGS AS OF 2024-09-30

% of Assets

NYL Guaranteed Int. Accou 66.83
NYL Guaranteed Int. Accou 33.17

Average Annual Total Returns %

As of 2024-09-30
SIP Stable Value Portfolio
YTD 2.46
1 Year 3.12
3 Year 2.54
5 Year
10 Year
Since Inception 2.51
FTSE Treasury Bill 3 Month Indi41
YTD 4.17
1 Year 5.63
3 Year 3.63
5 Year 2.38
10 Year 1.67
Since Inception --
Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto myplan.johnhancock.com or call a John Hancock representative at (800) 294-3575.
  YTD 1 Year 3 Year 5 Year 10 Year Since Inception
SIP Stable Value Portfolio 2.46 3.12 2.54 -- -- 2.51
FTSE Treasury Bill 3 Month Indi41 4.17 5.63 3.63 2.38 1.67 --
Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be less or higher than the figures shown. Investment return and principal value will fluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflect deduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-end performance information, please log onto myplan.johnhancock.com or call a John Hancock representative at (800) 294-3575.

Portfolio Snapshotb2

Principal Risks

Principal Risks include: Capital Preservation, Contract Risk, Equity Wash, Private Fund and Wrap Fee. See disclosure for details.

Capital Preservation The fund seeks capital preservation, but there can be no assurances that it will achieve this goal.

Contract Risk There are some risks associated with the group annuity contract, including, but not limited to the risk that the issuer defaults on its obligations under the contract or that other events could render the contract invalid; the risk that the contract is terminated and, as a result, payments from the contract are subject to a negative market value adjustment or are paid over an extended period of time, depending on the terms of the particular contract; the risk that certain actions taken by an employer or plan sponsor (for example, mergers, spin-offs, lay-offs, early retirement incentives, bankruptcy of the plan sponsor) could, depending on the type of contract, result in participant withdrawals and transfers being subject to payment restrictions, withdrawal charges or negative market value adjustments.

Equity Wash Transfers from the Stable Value Fund to a competing fund are subject to a standard 90-day equity wash provision. Competing funds include other stable value investments, money markets and most fixed income funds with a duration of 3 years or less.

Private Fund The fund is not a mutual fund and is privately offered. Prospectuses are not required and prices are not available in local publications.

Wrap Fee The expense ratio is adjusted to reflect the additional wrap fee of 0.26%.

Important Notes

Other:

b2. The portfolio composition, industry sectors, top ten holdings, and credit analysis are presented to illustrate examples of securities that the fund has bought and diversity of areas in which the fund may invest and may not be representative of the fund's current or future investments. The top ten holdings do not include money market instruments and/or futures contracts. The figures presented are as of date shown, do not include the fund's entire investment portfolio, and may change at any time.

f1. The Gross Expense Ratio does not include fee waivers or expense reimbursements which result in lower actual cost to the investor. The Net Expense Ratio represents the effect of a fee waiver and/or expense reimbursement and is subject to change.

Marketing support services are provided by John Hancock Distributors LLC.

Index Description:

i41. FTSE Treasury Bill 3 Month Index is an unmanaged, market capitalization weighted, index of 3-month Treasury bills. An investment cannot be made directly into an index.