Welcome to Market Dynamics

We've designed this website to help you answer some of the questions you are likely asking. When the markets get choppy, investors like you can get nervous. Yet, with a little knowledge and planning, the impacts of uncertain markets may be reduced, making it easier to control your emotions and stay focused on your long term retirement goals.




Here are some practical tips to help with some common challenges facing investors.

Interactive Graphs

Historically, markets have grown over the long-run. Watch these interactive graphs, with recorded voiceovers, to help you understand this concept, as well as the value of staying invested.

Print Materials

These flyers examine the historical trends to help put today's uncertain environments in perspective. The flyers on basic investing strategies can provide you with some guidance in these uncertain times.

For complete information about a particular fund, please read the fund prospectus. You should carefully consider an investment option’s objectives, risks, charges and expenses before investing. The prospectus contains this and other important information about the investment option and investment company. Please read the prospectus carefully before you invest or send money. Prospectus may only be available in English.

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services LLC are collectively referred to as “John Hancock”.

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans. John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York. Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, each such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark by John Hancock Life Insurance Company (U.S.A.).

JH SignatureTM is a trademark of the Group Annuity Contracts and recordkeeping agreements issued by John Hancock Life Insurance Company (U.S.A.), used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

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