Vanguard mid cap value index investing

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Read our editorial policy to learn more about our process. Is the chance that stock prices overall will decline. Stock markets tend to move in cycles, with periods of rising prices and periods of falling prices. Investment style for ETF. Is the chance that returns from mid-capitalization value stocks will trail returns from the overall stock market.

Historically, mid-cap stocks have been more volatile in price than the large-cap stocks that dominate the overall market, and they often perform quite differently. Mid-size companies tend to have greater stock volatility because, among other things, these companies tend to be more sensitive to changing economic conditions. Fees and expenses are only one of several factors that you should consider when making investment decisions. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement account.

You can visit the Employee Benefit Security Administration's Web site for an example demonstrating the long-term effect of fees and expenses. John Hancock USA are allocated to investment options which: a invest solely in shares of an underlying mutual fund, collective trust, or ETF; b invest in a combination of these; or c are Guaranteed Interest Accounts and which will be held in the John Hancock USA general account.

Allocating assets to only one or a small number of the investment options other than an asset allocation investment option such as a target date or target risk option should not be considered a balanced investment program. In particular, allocating assets to a small number of investment options concentrated in particular business or market sectors could subject an account to increased risk and volatility.

The ticker symbols shown are for the underlying mutual fund, collective trusts or ETFs in which sub-accounts are invested. The ticker symbols do not directly apply to the John Hancock sub-account and therefore any public information accessed using these symbols will not reflect the unit value of the subaccount, nor will such information reflect sub-account, contract-level or participant-level charges under your plan's group annuity contract.

These impacts are absorbed by other fund investors, including retirement plan participants. For the protection of the participants, account changes are subject to the following short-term trading guidelines when exchanging investment options under your company's qualified retirement plan account with John Hancock.

Requests may be cancelled if not within our guidelines. Participants are allowed a maximum of two exchanges per calendar month. Once the day hold has expired, participants can trade again in accordance with the above guidelines. The guidelines do not. Redemption fees or market value adjustments associated with exchanges from particular investment options are described on applicable fund sheets, which are available online.

For more information or to order prospectuses for the underlying investments, call and speak to a client account representative. Allocation percentages may vary or be adjusted due to market or economic conditions or other reasons as set out in the prospectus. Due to abnormal market conditions or redemption activity the fund may temporarily invest in cash and cash equivalents.

The underlying mutual fund, collective trust, or ETF has the right to restrict trade activity without prior notice if a participant's trading is determined to be in excess of their exchange policy, as stated in the prospectus or offering memorandum. Listed holdings do not represent all of the holdings in the underlying fund. John Hancock conducts business in English 1A. Your company's qualified retirement plan offers participants the opportunity to contribute to investment options available under a group annuity contract with John Hancock Life Insurance Company U.

John Hancock USA. These investment options may be sub-accounts pooled funds investing directly in underlying mutual fund, collective trusts, or ETFs, or they may be Guaranteed Interest Accounts. The Funds offered on the JH Signature platform are classified into five risk categories. The risk category in which a Fund is placed is determined based on where the 10 year Standard Deviation defined below of the underlying fund's Morningstar Category falls on the following scale: if the 10 year Standard Deviation of the underlying fund's Morningstar Category is If a 5 year Standard Deviation is not available for a Morningstar Category, then the 5 year Standard Deviation of the underlying fund's Morningstar Category Index is used to determine the Fund's risk category.

Standard Deviation is defined by Morningstar as a statistical measurement of dispersion about an average, which, for an underlying fund, depicts how widely the returns varied over a certain period of time. This information is not intended as investment advice and there can be no assurance that any investment option will achieve its objectives or experience less volatility than another.

Date sub-account or Guaranteed Interest Account first available under group annuity contract. The class introduction date is the same as the sub-account Inception Date. 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 to the most recent month-end is available at myplan. Fixed income, or bond Funds are often categorized by the duration and credit quality of the bonds held in the underlying fund.

Equity, or stock underlying funds may be categorized by the size of the securities in which the fund invests market capitalization. Investment style tells you whether the underlying fund invests in securities of companies that exhibit growth-style characteristics, such as above-average revenue and earnings growth, or in securities that exhibit value-style characteristics, such as shares considered to be underpriced in relation to fundamental measures such as revenues, earnings and assets.

The Expense Ratio "ER" shown represents the total annual operating expenses for the investment options made available by John Hancock. It is made up of John Hancock's i "Revenue from Sub-account", and ii the expenses of the underlying fund based on expense ratios reported in the most recent prospectuses available as of the date of printing; "FER". In the case where an underlying fund has either waived a portion of, or capped, its fees, the FER used to determine the ER of the sub-account that invests in the underlying fund is the net expense ratio of the underlying fund.

The FER is determined by the underlying fund and is subject to fluctuation. Any change in the FER of an underlying fund will affect the Expense Ratio of the investment option which invests in the underlying fund. The ER applies daily at a rate equivalent to the annual rate shown, and may vary to reflect changes in the expenses of an underlying fund and other factors.

For more information, please contact your financial representative. Performance data reflects changes in the prices of a sub-account's investments including the shares of an underlying fund , reinvestment of dividends and capital gains and deductions for the Expense Ratio ER. Performance does not reflect any applicable contract-level or certain participant-level charges, fees for guaranteed benefits if elected by participant under the group annuity contract or redemption fees imposed by the underlying Portfolio.

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