Market Dynamics Print Materials

Below is a guide to Market Dynamics, a series of educational materials that cover basic investing principles. Each piece has a brief description, and a guide for the participant concerns that it may address.


Invest in Your Future

We don't know what the future will hold, but we do know some lessons that we've learned from looking back and reflecting on the past. This brochure looks at some of the key lessons learned, and gives participants five investing concepts to help invest for their future retirement success.

English version | Spanish version

Bear markets shouldn't scare you

Should retirement planning be a long-term strategy?

Showing the historical performance of the S&P 500 Index (1950-2013) and highlighting two bear market periods, this flyer shows that markets have generally grown over the long-term despite periodic setbacks.

English version | Spanish version

Long-term investing: Marathon not a sprint

Are you questioning whether you should continue your long-term strategy?

This flyer demonstrates that the longer a participant holds an investment, the more stable their returns generally become, and the more likely they are to have positive returns.

English version | Spanish version

Power of Long-term Investing

Are you questioning whether you should continue your long-term strategy?

This flyer can help illustrate that while short-term volatility is part of a normal investing cycle, over the long-term, volatility is minimized and markets grow.

English version | Spanish version

Take the emotion out of investing

Are you feeling unease or panic about the current markets?

This flyer explains the cycle of emotions investors typically go through during market ups and downs. Not acting on these emotions is a key to successful investing.

English version | Spanish version

When the markets are down, stay the course

Are you concerned about staying in the equity markets?

This flyer illustrates how remaining invested, compared to switching to a fixed income investment, may benefit from potential growth in the long run.

English version | Spanish version

Time in the market, not timing the market

Are you thinking about cashing out, and trying to time your move back into the equity markets later?

This flyer illustrates that most of the long term gain of the market is attributable to a handful of single days of strong growth, so trying to time the markets may mean missing these key days of potential growth.

English version | Spanish version

Keep contributing through market ups and downs

Are you discouraged and don't want to keep contributing into current markets?

This flyer demonstrates the benefits of continuing to make regular contributions - even when markets are down - through an example of dollar cost averaging.

English version | Spanish version

Diversify your portfolio to capture steadier returns

Where is it “safe” to invest?

Using a Callan Chart, this flyer shows that no single asset class has been a top performer consistently, but a diversified portfolio aims to balance out the highs and lows of the other sectors.

English version | Spanish version

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.


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