2A. 1A. 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. We have made some recent enhancements to our site. Performance current to the most recent month-end is available at myplan.johnhancock.com. Please call 800-395-1113 to obtain the Fund Sheet for the group annuity investment option sub-accounts and/or to obtain a prospectus (or Offering Memorandum/Trust Document) for the sub-accounts' underlying fund, that are available on request. Risk of Increase in Expenses for Sub-Account. Learn How to Read a Morningstar Analyst Report. Foreign Large Growth: Foreign large-growth portfolios focus on high-priced growth stocks, mainly outside of the United States. It is divided into two sections, investment grade and speculative grade. If a 10 year Standard Deviation is not available for a Morningstar Category, then the 5 year Standard Deviation of the underlying fund's Morningstar Category is used to determine the Fund's risk category. Any representation to the contrary is a criminal offense. The Process Pillar is our assessment of how sensible, clearly defined, and repeatable VWIGX’s performance objective and investment process is for both security selection and portfolio construction. Information Concerning John Hancock’s Short-Term Trading Policy The group annuity contract is not designed for short-term trading. Benchmark Spliced International Index Growth of a $10,000 investment: January 31, 2010— December 31, 2019 $24,567 Fund as of 12/31/19 $16,522 Benchmark as of 12/31/19 Annual returns Get our overall rating based on a fundamental assessment of the pillars below. Where the figures are different, the underlying fund has either waived a portion of, or capped its fees, and the result of such fee waiver or cap is reflected in the net expense ratio.The waiver or cap is subject to expiration, in which case the Expense Ratio and performance of the sub account may be impacted. It is divided into two sections, investment grade and speculative grade. Investment strategy The fund seeks to achieve its investment objective by investing primarily in the stocks of companies The highest speculative-grade rating is Ba1. Vanguard International Growth is upgraded to a Morningstar Analyst Rating of Gold in recognition of the depth and talent at its two subadvisors. The Fund seeks long-term capital appreciation by investing in equity securities of companies based outside the United States. apply to regular allocations, loans, or withdrawalsIn addition, on an ongoing basis, participant account activity is reviewed for trading activity that, though within the monthly exchange limit, could be detrimental to an underlying fund and/or contrary to its exchange policies, as described in the fund’s prospectus. The lowest investment-grade rating is Baa3. §The Turnover Ratio shown is based on the most recent available financial statements for the underlying mutual fund, collective trust, or ETF as of the date of printing and is subject to change. Vanguard® International Growth Fund ... considered to have above-average growth potential. Read the Case 1-2 Vanguard International Growth Fund (attached) in the textbook. Today, we'll look at two Vanguard ETFs, one providing exposure to growth stocks and the other to international markets: 1. All other performance data is actual (except as otherwise indicated). Most of these portfolios divide their assets among a dozen or more developed markets, including Japan, Britain, France, and Germany. The Vanguard International Growth Fund focuses on non-U.S. companies with high growth potential. Peer groups are unmanaged and cannot be invested in directly. Funds are placed in a category based on their portfolio statistics and compositions over the past three years. 6A. Rating does not include the effects of sales charges, loads, and redemption fees. Market/Market Volatility The market value of the portfolio’s securities may fall rapidly or unpredictably because of changing economic, political, or market conditions, which may reduce the value of the portfolio. Even though the focus is on high growth companies, the fund follows a buy and hold approach where once they locate a stable company, they stay invested in them for a while. What pervasive, unpredictable risk is not identified in the case prospectus for the Vanguard International Growth Fund? The rating formula most heavily weights the three year rating, using the following calculation: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. ¤The information shown is based on the most recent available information for the underlying mutual fund, collective trust, or ETF (collectively referred to as underlying fund) as of the date of printing and is subject to change. Vanguard International Growth is upgraded to a Morningstar Analyst Rating of Gold in recognition of the depth and talent at its two subadvisors. Examples of business or market sectors where this risk may be particularly high include: a) technology-related businesses, including Internet-related businesses, b) small-cap securities and c) foreign securities. Vanguard International Growth Fund Summary Prospectus The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or passed upon the adequacy of this prospectus. Start … 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. The Expense Ratio ("ER") shown represents the total annual operating expenses for the investment options made available by John Hancock. The fund uses multiple investment advisors. If these charges were reflected, performance would be lower. Each of these ETFs gives you access to a wide variety of international bonds or stocks in a single, diversified investment. 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