The document provides 5 investing principles based on a presentation about lessons learned. Principle 1 discusses that every investment has risks, even cash, as investors flocked to cash during volatile periods but it provided little return over the long run after accounting for inflation. Principle 2 notes that while most asset classes declined in 2008, a diversified portfolio still worked over the full market cycle from 2000-2009. Principle 3 explains that not all bonds or bond funds perform the same way. Principle 4 asserts that stocks have generally outperformed over the long run. Principle 5 advocates for including international stocks rather than avoiding foreign markets.

1. Lessons Learned
5 investing principles
for today and beyond
Presenter’s Name
Presenter’s Title
The performance data contained in this presentation represents past performance, which does not guarantee future results.
Performance, especially for short time periods, should not be the sole factor in making your investment decisions.
NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY.

2. Agenda
1.
Every investment has risks, even cash
2.
Diversification is not dead,
it’s just misunderstood
3.
Not all bonds — or bond funds
— are created equal
4.
Yes, it’s STILL stocks for the long run
5.
Investing abroad shouldn’t be
a foreign experience
2

3. 1
Principle
Every investment
has risks ― even cash
3

4. Investors have flocked to cash
Total savings & money market fund assets (2006–2012)
$(Billions)
$11,000
9,751
$10,000
9,068
9,076
2008
2009
$9,000
8,876
9,276
8,074
$8,000
7,096
$7,000
$6,000
2006
2007
2010
2011
2012
Source: Investment Company Institute and the U.S. Federal Reserve. Assets represent retail and institutional
money market assets as well as bank deposits. Past performance is no guarantee of future results.
4

5. Volatility hit a high in its cycle
S&P 500 (VIX) Index:
A popular measure of “investor fear” (2006–2012)
Higher Volatility
60
50
Height of fear
Volatility at its highest
40
Lower Volatility
30
20
10
0
2006
2007
2008
2009
2010
2011
2012
Source: Bloomberg. The Chicago Board Options Exchange Volatility Index (VIX) is a popular measure of the volatility of S&P 500 Index
options. A high value corresponds to a more volatile market and therefore more costly options, which can be used to defray risk from
this volatility by selling options. Often referred to as the fear index, it represents one measure of the market’s expectation of volatility
over the next 30-day period. It is not possible to invest directly in an index. Past performance is no guarantee of future results.
5

6. The problem with
moving to cash — inflation
Average annual return vs. real return (1926–2012)
Return (%)
12%
10%
Stocks
9.85%
Cash Equivalents
8%
6.67%
6%
4%
3.54%
2%
0%
0.54%
Average Annual Return
Real Return
Source: Calculated by John Hancock Funds, LLC using information and data presented in EnCorr Software, © 2012 Morningstar, Inc.
All rights reserved. Used with permission. Stocks are represented by the S&P 500 Index, an unmanaged, commonly used measure of
common stock total return performance. Cash equivalents are represented by the Ibbotson 30-day Treasury Bill Index, which measures
the performance of one-month maturity U.S. Treasury bills and is a commonly used measure of a savings investment. Inflation is
measured by the Consumer Price Index, published by the U.S. Bureau of Labor Statistics. Real return is the return minus the effects
of taxes and inflation. It is not possible to invest directly in an index. Past performance is no guarantee of future results.
6

7. How many years will it
take to double your money?
Remember the
Rule of 72
72
0.54
=
133 Years!
Real return of cash
Source: Calculated by John Hancock Funds, LLC using information and data presented in EnCorr Software, ©2012 Morningstar, Inc.
All rights reserved. Used with permission. Cash equivalents are represented by the Ibbotson 30-day U.S. Treasury Bill Index which
measures the performance of one-month maturity U.S. Treasury bills and is a commonly used measure of a savings investment. Inflation
is measured by the Consumer Price Index, published by the U.S. Bureau of Labor Statistics. Real return is the return minus the effects
of taxes and inflation. It is not possible to invest directly in an index. Past performance is no guarantee of future results.
7

8. You also run the risk
of missing the recovery
20-year growth of $10,000 (1993–2012)
Fully invested
$48,519
Missed 10 best days
$24,214
Missed 20 best days
Missed 30 best days
Missed 40 best days
$15,088
$9,968
$6,776
Source: Bloomberg.com as of 12/31/12. Stocks are represented by the S&P 500 Index, an unmanaged index commonly used to measure
stock market performance. It is not possible to invest directly in an index. This illustration in not intended to represent the performance of
any John Hancock mutual fund. Past performance is not a guarantee of future results.
8

9. What should investors remember?
Every investment has risks, even cash

When volatility is high, it’s hard to resist
the temptation to get out of the markets.

Although cash and short-term investments
seem safer, they may not keep pace
with inflation in the long term.

Unless you can time it perfectly, you may also
miss the gains when the market recovers.

The key is to be prepared for the
“certainty of uncertainty”!
Although a money market fund may seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by
investing in the fund. The value of a company’s equity securities is subject to change in the company’s financial condition, and overall
market and economic conditions.
9

10. Principle
Diversification
2
is not dead,
it’s just misunderstood
10

11. The “lost” decade
S&P 500 Index (2000–2009)
Early 2000
Peak of tech bubble
August 2007
Credit crunch begins
Sept 11, 2001
Terrorist attack
2000
2001
2002
Sept 2008
Lehman
files for
bankruptcy
If you had invested
If you had invested
$100,000 in the
$100,000 in the
S&P 500 Index at
S&P 500 Index at
the beginning of the
the beginning of the
decade, it would have
decade, it would have
been worth $90,902
been worth $90,902
at the end of the
at the end of the
decade.
decade.
2003
2004
2005
2006
March 2009
Markets
hit bottom
2007
2008
2009
Source: Bloomberg as of 12/31/09. The S&P 500 Index is an unmanaged index of 500 widely traded common stocks.
It is not possible to invest directly in an index. This is a hypothetical example and does not reflect the performance
of any John Hancock fund. Past performance is no guarantee of future results.
11

12. Why are people saying
diversification is dead?
Asset class performance
Virtually
There was
everything worked!
nowhere to hide
(S&P 500)
MSCI EAFE)
erm Govt.
obal Bonds
27.7
2008
-26.4
Loans
Resources
Real Estate
ional Small
ng Markets
-1.6
-4.1
High Yield
26.5
International (MSCI EAFE)
Intl (MSCI EAFE)
-43.4
TIPS
Real Estate
Large Cap Cap (S&P 500)
Lg (S&P 500)
-37.0
-29.7
-39.6
Long-Term Government
Long-Term Govt. -17.5
Global Bonds Bonds
Global
TIPS
TIPS
-46.6
Loans
Loans
U.S. Real Estate Estate
U.S. Real
GlobalGlobal Real Estate
Real Estate
International Small Small
International
-49.0
2009
13.1
10.9
High Yield High Yield
Natural Resources
Natural Resources
-48.8
31.8
46.7
41.8
31.3
48.5
37.0
49.2
Emerging Markets
Emerging Markets
-54.4
Annual Returns (%)
73.8
Annual Returns (%)
Source: Morningstar Direct as of 12/31/09. Performance numbers reflect a total return average of funds in each Morningstar category,
assume reinvestment of all distributions and do not reflect payment of any sales charges. The S&P 500 Index is commonly used to
measure stock market performance. The MSCI EAFE Index is a large-capitalization international stock index which measures market
performance in Europe, Australasia and the Far East. Indexes are unmanaged and cannot be invested in directly. Past performance
is no guarantee of future results.
12

13. However, even over the lost decade,
diversification worked
Average annual returns by category (2000–2009)
Annual Returns (%)
15
12.2
10.6
10.5
8.7
10
6.1
6.2
6.6
4.7
5
3.8
3.6
3.5
1.2
0
Currency
Emerging
Markets
International
Small
Global Real
Estate
Natural
Resources
U.S. Real
Estate
Loans
High Yield
TIPS
Global
Bonds
Long-Term
Government
International
(MSCI EAFE)
-5
Large Cap
(S&P 500)
-1.0
Source: Morningstar Direct as of 12/31/09. Performance numbers reflect a total return average of funds in each Morningstar category,
assume reinvestment of all distributions and do not reflect payment of any sales charges. The S&P 500 Index is commonly used to
measure stock market performance. The MSCI EAFE Index is a large-capitalization international stock index which measures market
performance in Europe, Australasia and the Far East. Indexes are unmanaged and cannot be invested in directly. Past performance
is no guarantee of future results.
13

14. Understand investment cycles
― a tale of three funds
Which of these funds would you invest in?
Morningstar Peer Group Rankings and Average Annual Returns, as of 12/31/12
Fund Name
1-Year
Large-Cap Growth Fund 1
% Rank
(Average Annual Return with 5% sales charge)
Large-Cap Growth Fund 2*
% Rank
(Average Annual Return with 5% sales charge)
Large-Cap Growth Fund 3
% Rank
(Average Annual Return with 5% sales charge)
Top Quartile
2nd Quartile
3-Year
5-Year
10-Year
8
77
53
8
14.19%
5.86%
0.05%
9.18%
43
58
83
37
9.87%
6.98%
-1.99%
6.91%
12
14
4
71
13.36%
9.71%
4.44%
5.62%
3rd Quartile
4th Quartile
Source: Morningstar Direct and John Hancock Funds. Large-Cap Growth Fund 1 (John Hancock Large Cap Equity Fund) was ranked 131 of 1,681, 1,158 of 1,503, 691 of
1,301 and 67 of 863 against large growth funds for the 1-, 3-, 5- and 10-year time periods, respectively. Large-Cap Growth Fund 2 (John Hancock Rainier Growth Fund)
was ranked 730 of 1,681, 873 of 1,503, 1,084 of 1,301 and 322 of 863 against large growth funds for the 1-, 3-, 5- and 10-year time periods respectively. Large-Cap
Growth Fund 3 (John Hancock U.S. Global Leaders Growth Fund) was ranked 199 of 1,681, 201 of 1,503, 46 of 1,301 and 617 of 863 against large growth funds for the
1-, 3- 5- and 10-year time periods, respectively. Performance is for Class A shares as of 12/31/12. Rankings are based on total return and do not include sales charges.
John Hancock Large Cap Equity Fund’s total annual operating expense ratio as of the current prospectus is 1.12%. John Hancock Rainier Grwoth Fund’s net annual
operating expense ratio as of the current prospectus is 1.25%. John Hancock U.S. Global Leaders Growth Fund’s net annual operating expense ratio as of the current
prospectus is 1.26%. Expenses for other share classes will vary, which will affect returns. Performance figures assume that all distributions are reinvested.
For performance data current to the most recent month end, contact your financial professional or call John Hancock Funds at 1-800-225-5291. The performance data
contained within this material represents past performance, which does not guarantee future results. The return and principal value of an investment will fluctuate, so that
shares, when redeemed, may be worth more or less than the original cost. The Fund’s current performance may be higher or lower and is subject to substantial changes.
*On 4/28/08 John Hancock Rainier Growth Fund acquired all of the assets of the Rainier Large Cap Growth Equity Portfolio, the Fund’s predecessor, pursuant to
reorganization. Performance prior to 4/28/08 reflects the performance of the Fund’s predecessor and does not include sales charges.
14

15. Same category,
very different performance
Full market cycle coverage (2003–2012)
Large Growth Category
Fund 1
Fund 2
Fund 3
% Rank
81
Total Ret
23.29%
% Rank
16
Total Ret
33.88%
% Rank
96
Total Ret
4.14%
% Rank
18
Total Ret
11.60%
% Rank
94
Total Ret
19.24%
% Rank
44
Total Ret
8.51%
2003
2004
Top Quartile
% Rank
% Rank
% Rank
1
3
2
Total Ret Total Ret Total Ret
33.77%
16.26%
20.22%
% Rank
% Rank
% Rank
16
49
17
Total Ret Total Ret Total Ret
20.57%
11.61%
7.24%
% Rank
% Rank
59
92
Total Ret Total Ret
14.20%
-9.03%
% Rank
8
Total Ret
14.19%
% Rank
% Rank
% Rank
% Rank
77
66
38
69
Total Ret Total Ret Total Ret Total Ret
(43.89%)
31.68%
16.59%
-4.45%
% Rank
43
Total Ret
9.87%
% Rank
19
Total Ret
(36.82%)
% Rank
54
Total Ret
33.73%
% Rank
% Rank
% Rank % Rank
% Rank
86
90
91
10
14
Total Ret Total Ret Total Ret Total Ret Total Ret
3.67%
(34.77%)
44.32%
2.16%
1.44%
2005
2006
2007
2nd Quartile
2008
2009
% Rank
78
Total Ret
12.16%
2010
3rd Quartile
% Rank % Rank
12
5
Total Ret Total Ret
13.36%
3.85%
2011
2012
4th Quartile
Source: Morningstar Direct and Bloomberg. Rankings for each Fund within the Morningstar large growth fund category are based on total
return and do not include sales charges. Past performance is no guarantee of future results.
15

16. Overcoming the emotion of investing
Annual returns of asset classes (2003–2012)
2005
2006
Small/Mid
Value
21.58%
International
14.02%
International
26.86%
Small/Mid
Value
44.93%
International
20.70%
Small/Mid
Growth
8.17%
International
39.17%
Large Cap
Value
16.49%
Diversified
Portfolio
32.38%
2008
2009
2010
2011
2012
Large Cap
Growth
11.81%
Bond
5.24%
Small/Mid
Growth
41.66%
Small/Mid
Growth
28.86%
Bond
7.84%
Small/Mid
Value
19.21%
Large Cap
Value
22.25%
International
11.63%
Cash
1.40%
Large Cap
Growth
37.21%
Small/Mid
Value
24.82%
Large Cap
Growth
2.64%
International
17.90%
Small/Mid
Value
7.74%
Small/Mid
Value
20.18%
Small/Mid
Growth
9.69%
Diversified
Portfolio
-31.10%
International
32.46%
Diversified
Portfolio
16.78%
Large Cap
Value
0.39%
Large Cap
Value
17.51%
Small/Mid
Growth
14.59%
Diversified
Portfolio
7.45%
Diversified
Portfolio
15.83%
Bond
6.97%
Small/Mid
Value
-31.99%
Small/Mid
Value
27.68%
Large Cap
Growth
16.71%
Cash
0.05%
Small/Mid
Growth
16.13%
Large Cap
Value
30.03%
Diversified
Portfolio
14.00%
Large Cap
Value
7.05%
Small/Mid
Growth
12.26%
Diversified
Portfolio
5.44%
Large Cap
Value
-36.85%
Diversified
Portfolio
27.44%
Large Cap
Value
15.51%
Diversified
-0.97%
Large Cap
Growth
15.26%
Large Cap
Growth
29.75%
Large Cap
Growth
6.30%
Large Cap
Growth
5.26%
Large Cap
Growth
9.07%
Cash
4.48%
Large Cap
Growth
-38.44%
Large Cap
Value
19.69%
International
8.21%
Small/Mid
Growth
-1.57%
Diversified
Portfolio
15.04%
Bond
4.10%
Bond
4.34%
Cash
3.22%
Cash
4.85%
Large Cap
Value
-0.17%
Small/Mid
Growth
-41.50%
Bond
5.93%
Bond
6.54%
Small/Mid
Value
-3.36%
Bond
4.21%
Cash
1.03%
Worst
2004
Small/Mid
Growth
46.31%
Best
2003
2007
Cash
1.40%
Bond
2.43%
Bond
4.33%
Small/Mid
Value
-7.27%
International
-43.06%
Cash
0.15%
Cash
0.14%
International
-11.73%
Cash
0.09%
Source: Lipper, Inc. as of 12/31/12. Annual returns are based on calendar years. Indexes are unmanaged and do not take transaction costs or fees into consideration.
Performance figures assume reinvestment of dividends and capital gains. This chart is for illustrative purposes only and does not represent the performance of any John
Hancock fund. Large Growth is represented by the Russell 1000 Growth Index, a market capitalization weighted index of securities in the Russell 1000 Index with higher
price-to-book ratios and higher forecasted growth values. Large Value is represented by the Russell 1000 Value Index, a market capitalization-weighted index of
securities in the Russell 1000 Index with lower price-to-book ratios and lower forecasted growth values. Small/Mid growth is represented by the Russell 2500 Growth
Index, which measures the performance of those Russell 2500 companies with higher price-to-book ratios and higher forecasted growth values. Small/Mid Value is
represented by the Russell 2500 Value Index, which measures the performance of those Russell 2500 companies with lower price-to-book ratios and lower forecasted
growth values. International is measured by the MSCI EAFE Index, a market value-weighted, arithmetic average of the performance of more than 900 securities listed in
several developed world markets, excluding the United States. Bond is measured by the Barclays U.S. Aggregate Bond Index, which includes U.S. government,
corporate, and mortgage-backed securities with maturities up to 30 years. Cash represents the performance of the 3-month T-bill, published by the Federal Reserve.
Diversified Portfolio is represented by the average return of the six indexes above, excluding cash. It does not represent any specific index. It is not possible to invest
directly in an index. Diversification does not guarantee against a loss. Past performance is no guarantee of future results.
16

17. What should investors remember?
Asset allocation is not dead, but it is misunderstood

Judging the entire market by the performance
of the S&P 500 Index is not diversifying.

Asset allocation and diversification are long-term
strategies — they may appear not to work over
short periods, but they do work long term.

Go deeper with diversification and include
more asset classes, styles and managers.
Asset allocation and diversification do not guarantee a profit nor protect against a loss. The value of a company’s equity securities is
subject to change in the company’s financial condition, and overall market and economic conditions. Fixed-income investments are
subject to interest-rate and credit risk; their value will normally decline as interest rates rise or if the creditor is unable or unwilling to
make principal or interest payments. Foreign investing, especially in emerging markets, has additional risks such as currency and market
volatility and political and social instability.
17

18. Principle
Not all bonds ―
3
or bond funds ―
are created equal
18

19. When stocks are volatile, it’s common
to seek the “safety” of bonds
Net fund flows
($ Millions)
Barclays Capital U.S.
Aggregate Bond Index
Bond Fund Flows
25
*
Bond Returns
20
15
10
5
0
Q4 ’08
Large outflow
2003
2004
2005
2006
2007
-5
2008
2009
2010
2011
2012
-10
Source: ICI and Lipper. Bond funds are based on the trailing 12-month return of the Barclays U.S Aggregate Bond Index, which
is comprised of government securities, mortgage-backed securities, asset-backed securities and corporate securities to simulate the
universe of bonds in the market. Its is not possible to invest directly in an index. Past performance is no guarantee of future results.
*Bond mutual funds.
19

20. Different bonds
perform differently, though
Federal funds target rate and fixed-income total returns
6
5
4
3
2
1
0
(%)
2004
High Yield
28.15%
Foreign
Bonds
12.14%
Foreign
Bonds
18.52%
2005
2008
Bank Loans
5.69%
High Yield
11.72%
Government
Bonds
12.39%
High Yield
10.87%
Municipal
Bonds
3.51%
Bank Loans
7.33%
Government
Bonds
8.66%
Bank Loans
5.60%
High Yield
2.74%
Foreign
Bonds
6.94%
Corporate
Bonds
5.41%
Government
Bonds
2.65%
Municipal
Bonds
5.31%
Municipal
Bonds
4.48%
Government
Bonds
2.36%
Government
Bonds
3.48%
2009
2010
2011
2012
High Yield
57.51%
High Yield
15.19%
Municipal
Bonds
10.70%
High Yield
15.59%
Foreign
Bonds
10.11%
Bank Loans
44.87%
Bank Loans
9.98%
Government
Bonds
9.02%
Corporate
Bonds
10.37%
Corporate
Bonds
4.64%
Municipal
Bonds
-2.47%
Corporate
Bonds
19.76%
Corporate
Bonds
9.52%
Corporate
Bonds
7.51%
Bank Loans
9.43%
Municipal
Bonds
4.84%
Municipal
Bonds
3.36%
Corporate
Bonds
-6.82%
Municipal
Bonds
12.91%
Government
Bonds
5.52%
Foreign
Bonds
5.17%
Municipal
Bonds
6.78%
Corporate
Bonds
1.97%
Corporate
Bonds
4.38%
High Yield
2.24%
High Yield
-26.39%
Foreign
Bonds
4.39%
Foreign
Bonds
5.21%
High Yield
4.38%
Government
Bonds
2.02%
Foreign
Bonds
-9.20%
Government
Bonds
3.48%
Bank Loans
1.88%
Bank Loans
-28.75%
Government
Bonds
-2.20%
Municipal
Bonds
2.38%
Bank Loans
1.82%
Foreign
Bonds
1.51%
1/2/200
2
2/1/200
2
3/1/200
2
4/1/200
2
5/1/200
2
6/3/200
2
7/1/200
2
8/1/200
2
9/3/200
2
10/1/20
02
11/1/20
02
12/2/20
02
1/2/200
3
2/3/200
3
3/3/200
3
4/1/200
3
5/1/200
3
6/2/200
3
7/1/200
3
8/1/200
3
9/2/200
3
10/1/20
03
11/3/20
03
12/1/20
03
1/2/200
4
2/2/200
4
3/1/200
4
4/1/200
4
5/3/200
4
6/1/200
4
7/1/200
4
8/2/200
4
9/1/200
4
10/1/20
04
11/1/20
04
12/1/20
04
1/3/200
5
2/1/200
5
3/1/200
5
4/1/200
5
5/2/200
5
6/1/200
5
7/1/200
5
8/1/200
5
9/1/200
5
10/3/20
05
11/1/20
05
12/1/20
05
1/3/200
6
2/1/200
6
3/1/200
6
4/3/200
6
5/1/200
6
6/1/200
6
7/3/200
6
8/1/200
6
9/1/200
6
10/2/20
06
11/1/20
06
12/1/20
06
1/3/200
7
2/1/200
7
3/1/200
7
4/2/200
7
5/1/200
7
6/1/200
7
7/2/200
7
8/1/200
7
9/4/200
7
10/1/20
07
11/1/20
07
12/3/20
07
1/2/200
8
2/1/200
8
3/3/200
8
4/1/200
8
5/1/200
8
6/2/200
8
7/1/200
8
8/1/200
8
9/2/200
8
10/1/20
08
11/3/20
08
12/1/20
08
1/2/200
9
2/2/200
9
3/2/200
9
4/1/200
9
5/1/200
9
6/1/200
9
7/1/200
9
8/3/200
9
9/1/200
9
10/1/20
09
11/2/20
09
12/1/20
09
1/1/201
0
2/1/201
0
3/1/201
0
4/1/201
0
5/1/201
0
6/1/201
0
7/1/201
0
8/1/201
0
9/1/201
0
10/1/20
10
11/1/20
10
12/1/20
10
201
1-01
201
1-02
201
1-03
201
1-04
201
1-05
201
1-06
201
1-07
201
1-08
201
1-09
201
1-10
201
1-11
201
1-12
201
2-01
201
2-02
201
2-03
201
2-04
201
2-05
201
2-06
201
2-07
201
2-08
201
2-09
201
2-10
201
2-11
201
2-12
2007
Foreign
Bonds
11.45%
Corporate
Bonds
8.31%
Best
2006
Bank Loans
11.01%
Worst
2003
Source: Lipper, Inc. and the U.S. Federal Reserve Board. Foreign Bonds are represented by the Citigroup World Government Bond Index, which consists of
approximately 600 high-quality bonds issued by 17 different foreign countries. High-Yield Bonds are represented by the Bank of America Merrill Lynch High Yield
Master II Index, which is composed of U.S. currency high-yield bonds issued by U.S. and non-U.S. issuers. Corporate Bonds are represented by the Bank of America
Merrill Lynch U.S. Corporate Master Index, which is composed of U.S. dollar-denominated investment-grade corporate public debt issued in the U.S. domestic bond
market. Municipal Bonds are represented by the Barclays Municipal Bond Index, an unmanaged index representative of the tax-exempt bond market. Government
Bonds are represented by the Barclays U.S. Government Bond Index, an unmanaged index of U.S. Treasury and government agency bonds. Bank Loans are
represented by the Credit Suisse (CS) Leveraged Loan Index, which tracks returns in the leveraged loan market. It is not possible to invest directly in an index.
Performance figures assume reinvestment of dividends and capital gains. This chart does not illustrate the performance of any John Hancock fund. Past performance
is not a guarantee of future results.
20

21. Understanding bond risks
is more important than ever
Investors should consider diversifying among
bonds with varying risk sensitivities
Interest-Rate Sensitivity
Government Bonds
Municipal Bonds
Corporate Bonds
High-Yield Bonds
Foreign Bonds
Bank Loans

Little

Somewhat







Moderate
Credit Sensitivity







High
Interest-rate and credit sensitivity are provided by John Hancock Funds estimates and subject to change. Interest-rate sensitivity is the
measure of how sensitive the value of fixed-income investment is to changes in interest rates. Generally the value of a fixed-income
investment will decline as interest rates rise. Credit sensitivity measures the risk that the creditor will be unable or unwilling to make
principal or interest payments. Government bonds are represented by the Barclays U.S. Government Bond Index, an unmanaged index of
U.S. Treasury and government agency bonds. Municipal bonds are represented by the Barclays Municipal Bond Index, an unmanaged index
representative of the tax-exempt bond market. Corporate bonds are represented by the Bank of America Merrill Lynch U.S. Corporate
Master Index, which is composed of U.S. dollar-denominated investment-grade corporate public debt issued in the U.S. domestic bond
market. High-yield bonds are represented by the Bank of America Merrill Lynch U.S. High Yield Master II Index, which is composed of U.S.
currency high-yield bonds issued by U.S. and non-U.S. issuers. Bank loans are represented by the Credit Suisse (CS) Leveraged Loan Index,
which tracks returns in the leveraged loan market. It is not possible to invest directly in an index. This chart does not illustrate the
performance of any John Hancock fund. Asset allocation and diversification do not guarantee a profit nor protect against a loss.
21

22. Balancing risk with yield
Fixed income yields (2006–2012)
20
Yield (%)
16
High Yield Bonds
Corporate Bonds
Government Bonds
Inflation
12
8
6.31
4
Inflation 2.98%
0
2.78
1.05
2012
2006 2007
2007 2008
2008 2009
2009 20102010 201120112012
2006
Source: Bloomberg as of 12/31/12. High-yield bonds are represented by the Bank of America Merrill Lynch High Yield Master II Index, which is
composed of U.S. currency high-yield bonds issued by U.S. and non-U.S. issuers. Corporate bonds are represented by the Bank of America
Merrill Lynch U.S. Corporate Master Index, which is composed of U.S. dollar-denominated investment-grade corporate public debt issued in
the U.S. domestic bond market. Government bonds are represented by the Bank of America U.S. Treasury Master Index, an unmanaged index
of U.S. Treasury and government agency bonds. Inflation is measured by the Consumer Price Index published by the U.S. Bureau of Labor
Statistics. It is not possible to invest directly in an index. Performance figures assume reinvestment of dividends and capital gains. This
chart does not illustrate the performance of any John Hancock fund. Past performance is not a guarantee of future results.
22

23. What should investors remember?
Not all bonds — or bond funds — are created equal

Holding bonds in your portfolio may provide the
income you need with less volatility than stocks.

Different types of bonds perform well in
different economic environments.

Bond funds should be diversified too.
Fixed-income investments are subject to interest rate and credit risk; their value will normally decline as interest rates rise or if the
creditor is unable or unwilling to make principal or interest payments. Investments in higher-yielding, lower-rated securities involve
additional risks as these securities include a higher risk of default and loss of principal. Asset allocation and diversification do not
guarantee a profit nor protect against a loss.
23

24. Principle
4
Yes, it’s STILL stocks
for the long run
24

25. Tough decade for stocks
S&P 500 Index
12/31/1972
– 6/30/1975
$14,000
$12,000
$10,000
$8,000
’73
’74
’75
Source: Lipper. 12/31/1972 to 6/30/1975. The S&P 500 Index is an unmanaged index that includes 500 widely traded stocks.
It is not possible to invest directly in an index. Past performance is no guarantee of future results. The performance shown is not
reflective of any John Hancock fund.
25

26. Put the market in perspective
S&P 500 Index (1970–2012)
Thousands
$800
$600
$400
$200
2012
2010
2008
2006
2004
2002
2000
1998
1996
1994
1992
1990
1988
1986
1984
1982
1980
1978
1976
1974
1972
1970
$0
Source: Lipper. 1/1/1970 to 12/31/2012. The S&P 500 Index is an unmanaged index that includes 500 widely traded stocks.
It is not possible to invest directly in an index. Past performance is no guarantee of future results. The performance shown is not
reflective of any John Hancock fund.
26

27. Stocks outperform over the long term
Average annual returns (1926–2012)
Stocks
9.85%
Corporate Bonds
6.11%
Government Bonds
5.69%
Cash Equivalents
3.54%
Inflation (CPI)
2.98%
Source: Calculated by John Hancock Funds, LLC using information and data presented in EnCorr Software, © 2012 Morningstar, Inc. All rights reserved.
Used with permission. Stocks are represented by the S&P 500 Index, an unmanaged, commonly used measure of common stock total return performance.
Corporate bonds are represented by the Ibbotson U.S. Aggregate Index, which is comprised of government securities, mortgage-backed securities, assetbacked securities and corporate securities to simulate the universe of bonds in the market. U.S. government bonds are represented by the Ibbotson
Government Bond Index which is an unmanaged index of U.S. Treasury and government agency bonds. Cash equivalents are represented by the Ibbotson
30-day U.S. Treasury Bill Index, which measures the performance of one-month maturity U.S. Treasury bills and is a commonly used measure of a savings
investment. Inflation is measured by the Consumer Price Index, published by the U.S. Bureau of Labor Statistics. It is not possible to invest directly in an
index. Past performance is no guarantee of future results.
27

28. Rolling 10-year stock market returns
For calendar year-end periods (1926–2012)
Number of Occurrences
12
11
4
4
4
4
2009
2008
1939
1938
2010
1974
1940
1937
2011
1978
1977
1975
2007
1979
1946
1935
2012
1982
1981
1976
1973
1971
1969
1948
1943
1941
1936
<0
0 to
2%
2 to
4%
4 to
6%
6 to
8%
12
2006
2005
2002
1980
1972
1970
1966
1949
1947
1945
1944
1942
2003
1983
1968
1965
2004
2001
1990
1986
1967
1964
1962
1950
1996
1995
1994
1993
1987
1985
1984
1963
1953
2000
1992
1991
1989
1988
1961
1960
1957
1955
1954
1952
1951
8 to
10%
10 to
12%
12 to
14%
14 to
16%
16 to
18%
9
8
4
6
1999
1998
1997
1959
1958
1956
> 18%
Source: Calculated by John Hancock Funds, LLC using information and data presented in ENCORR Software, ©2012 Morningstar, Inc. All rights reserved.
Used with permission. Stocks are represented by the S&P 500 Index, an unmanaged, commonly used measure of common stock total return
performance. It is not possible to invest directly in an index. Past performance is no guarantee of future results.
28

29. Impact of dividend reinvestment
Hypothetical growth of $10,000 (1970–2012)
$600,000
Are Dividends Important?
$500,000
$400,000
$300,000
$200,000
Without dividends
$154,919
$100,000
$0
'70
'75
'80
'85
'90
'95
'00
'05
'10
Source: Lipper, Inc. The S&P 500 Index is an unmanaged index of common stocks used to measure stock market performance.
It is not possible to invest directly in an index. Past performance is no guarantee of future results.
29

30. Impact of dividend reinvestment
Hypothetical growth of $10,000 (1970–2012)
$700,000
$600,000
$588,626
$500,000
$400,000
$300,000
With dividends
$200,000
Without dividends
$154,919
$100,000
$0
'70
'75
'80
'85
'90
'95
'00
'05
'10
Source: Lipper, Inc. The S&P 500 Index is an unmanaged index of common stocks used to measure stock market performance.
It is not possible to invest directly in an index. Past performance is no guarantee of future results.
30

31. What is your investment horizon?
Annual total returns inclusive of the last decade
14%
12%
10%
9.71%
10.81%
11.27%
30 Years
35 Years
8.22%
8%
6%
4%
2%
0%
20 Years
25 Years
Source: EnCorr Software, © 2012 Morningstar, Inc. All rights reserved. Used with permission. 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. Neither Morningstar nor its content providers are responsible for any damages or losses arising from
any use of this information. Stocks are represented by the S&P 500 Index — an unmanaged index of 500 widely traded common stocks.
It is not possible to invest directly in an index. Past performance is no guarantee of future results.
31

32. What should investors remember?
Yes, it’s STILL stocks for the long run!

Equities remain a great way to fight
inflation over the long term.

By maintaining a long-term perspective,
you will be better positioned to maintain a
rationale mindset during periods of volatility.

Reinvesting dividends can enhance total return.
The value of a company’s equity securities is subject to change in the company’s financial condition,
and overall market and economic conditions. Past performance is no guarantee of future results.
32

33. Principle
Investing abroad
5
shouldn’t be a
foreign experience
33

34. Well known U.S. brands?
Are the following companies U.S. or foreign based?
Dow Jones
Gerber
Australia
Australia
Switzerland
Switzerland
Budweiser
adidas
7-Eleven
Belgium
Belgium
Germany
Germany
Japan
Japan
This not a recommendation to buy or sell any security.
For current holdings of any John Hancock fund visit our Web site at www.jhfunds.com.
34

35. Opportunities outside the
U.S. continue to increase
The shift in the U.S. market’s
size versus the rest of the world
34%
66%
45%
55%
1970
1970
32%
68%
2011
2011
2030
2030
Projected
Source: Standard and Poor’s (2011). Estimates are based on the rate of growth of non-U.S. markets vs. U.S. markets since 1970.
35

36. More growth outside the U.S.
Real gross domestic product (GDP) growth
10
Emerging & Developing Economies
8
World Economies
U.S. Economy
6
4
2
0
-2
-4
1980
1985
1990
1995
2000
2005
2010
2015
Projected
Source: International Monetary Fund as of December 2010. Estimates are based on data and projections from 183 economies and
maintained jointly by the IMF’s Research Department and regional departments. The growth indicators are estimated using a statistical
model that is measured at a monthly frequency and is based on retail sales, industrial production, trade, financial conditions,
employment, and income as well as price and costs of consumer indexes.
36

37. Better performance outside the U.S.
Top ten stock returns by country (1993–2012)
14.86
Peru
Columbia
13.94
Brazil
12.58
Denmark
12.53
Poland
11.64
Finland
10.90
Canada
8.76
Mexico
8.70
Norway
8.55
Chile
United States
United States
7.96
6.24
17th
Average Annual Return (%)
Source: Lipper as of 12/31/12. Performance is represented by each country’s specific MSCI country index. Each MSCI country index
measures a country’s stock market performance by identifying each security in a specific country’s market. It is not possible to invest
directly in an index. Past performance is no guarantee of future results.
37

38. What should investors remember?
Investing abroad shouldn’t be a foreign experience

Foreign companies offer some of the
best opportunities for growth.

Diversifying with foreign companies
may actually improve returns while
also reducing overall portfolio volatility.
Foreign investing, especially in emerging markets, has additional risks such
as currency and market volatility and political and social instability.
38

39. Where do we
go from here?
39

40. Stocks are a market of extremes — investors
should expect volatility in the short term
1926–2012
What’s the most common occurrence
in the stock market in a calendar year?
# of Occurrences /
% of Occurrences
24
31
35.6%
32
36.8%
27.6%
Calendar year returns of 8–12% have occurred
ONLY 5 TIMES IN THE 87 YEARS SINCE 1926
<< 0%
-0.2%
0 to 19.8%
-0.2 to 20%
> 20%
>19.8%
Source: Calculated by John Hancock Funds, LLC using information and data presented in EnCorr Software, © 2012 Morningstar, Inc.
All rights reserved. Used with permission. Based on average annual percentage returns for the S&P 500 Index over 87 one-year periods
from 1926–2012, assuming reinvestment of dividends and capital gains. The S&P 500 Index is an unmanaged index of 500 widely traded
common stocks. It is not possible to invest directly in an index. Past performance is no guarantee of future results.
40

41. But invest for the long term
Market performance
Positive
EUPHORIC
“I should quit my job and do this full-time!
Look at the money I’m making!”
Best opportunity
to make money
Nervous
Confident
“What happened?
What is going on?”
“I’ve already
made money.
This is great.”
Hopeful
Desperate
Riskiest
time
“Things seem
like they’re
turning around.”
“There’s no
point in selling
now, I’ve lost
too much.”
DEFEATED
Negative
“There go my dreams of
an early retirement.”
This hypothetical scenario is for illustration purposes only and is not a prediction of future market conditions.
41

42. Twelve fundamental truths of investing
1
Over the long term, stocks have had greater total returns than bonds.
2
Over the long term, bonds have had greater total returns
than money market funds.
3
On average, stocks are much riskier than bonds.
4
On average, bonds are much riskier than money market funds.
5
You will make investments that go down immediately after you buy.
6
You will sell investments that continue to go up after you are out.
7
You will hold some investments too long.
8
The value of opportunities missed will dramatically exceed
those in which you participate.
9
Someone, or some group of people, will always do better than you.
10
11
12
You don’t pay a financial advisor for information ―
you are paying for knowledge, wisdom and personal guidance.
Accept uncertainty.
No one knows where the market will be next week, next month or next year.
Money can only be made in the future ― it’s impossible to invest in past returns.
Source: Horsesmouth LLC.
42

43. A word about risk
The performance data contained in this presentation represents
past performance, which does not guarantee future results.
Performance, especially for short time periods, should not
be the sole factor in making your investment decisions.
A fund’s investment objectives, risks, charges and expenses should be considered before
investing. The prospectus contains this and other important information about the fund.
To obtain a prospectus, call your financial professional or John Hancock Funds at
1-800-225-5291 or visit our Web site at www.jhfunds.com. Please read the
prospectus carefully before investing or sending money.
John Hancock Funds, LLC •
MEMBER FINRA/SIPC
• 601 Congress Street, Boston, MA 02210-2805 • www.jhfunds.com
NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY.
LLCP 2/13
43