Not FDIC Insured The investment is not a deposit or obligation of, or guaranteed or endorsed by, any bank and is not insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other U.S. governmental agency. Investment grade categories indicate relatively low to moderate credit risk, while ratings in the speculative categories either signal a higher level of credit risk or that a default has already occurred.S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (“junk bonds”); and credit ratings of CCC+ or below have high default risk. With this Growth Fund, Vanguard picks high-growth companies that will knock it out of the park for you. The ticker symbols shown are for the underlying mutual fund, collective trusts or ETFs in which sub-accounts are invested. Bond … Learn more about VWIGX investment portfolio, including asset allocation, stock style, sector exposure, financials, sustainability rating, and holdings. The investment is subject to the risk of loss of income and capital invested, and the advisor does not guarantee its value, performance, or any particular rate of return. Allocating assets to only one or a small number of the investment options (other than the Target Date ‘Lifecycle’ or Target Risk ‘Lifestyle’ options) should not be considered a balanced investment program. 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.S.A.) (John Hancock USA). It’s a bit riskier , but the returns are substantial. Vanguard Total International Stock ETF (VXUS) You can use just a few ETFs to invest overseas. For more information, please contact your financial representative. The prospectuses (or Offering Memorandum/Trust Documents) for the sub-accounts’ underlying funds contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying funds which should be carefully considered before investing. Please confirm with your local John Hancock Representative if you have any questions about product, Fund or contract feature availability. 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. Fees and expenses are only one of several factors that you should consider when making investment decisions. S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (“junk bonds”); and credit ratings of CCC+ or below have high default risk. It's been a banner period for growth equity funds, such as Vanguard U.S. Growth Fund, which posted the highest absolute return among Vanguard's active equity funds over one-, three-, five-, and ten-year periods through July 2020. Moody's appends numerical modifiers 1, 2, and 3 to each generic rating classification from Aa through Caa. Refer to the prospectus of the underlying fund for details.When calculating the Expense Ratio of the sub-account, the net expense ratio of the underlying fund is used. 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. Fund Market & Finance report, prediction for the future: You'll find the Vanguard International Growth Adm forecasts and fund quote below. All other performance data is actual (except as otherwise indicated). Morningstar Category: © 2020 Morningstar. 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 These portfolios typically will have less than 20% of assets invested in U.S. stocks. Fund facts. Cross-currency hedging strategies and active currency positions may increase currency risk because actual currency exposure may be substantially different from that suggested by the portfolio’s holdings. Peer groups are unmanaged and cannot be invested in directly. p6. This site is protected by reCAPTCHA and the Google The highest speculative-grade rating is Ba1. Unless otherwise specifically stated in writing, John Hancock USA and John Hancock NY do not, and are not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity.NOT FDIC INSURED. John Hancock does not provide advice regarding appropriate investment allocations. Currency in USD. The table below includes fund flow data for all U.S. listed Vanguard Growth ETFs. Unlock our full analysis with Morningstar Premium. For more details, see Risk Disclosures section of this booklet, * The Net expense ratio shown is for the underlying fund and reflects any fee waivers or expense reimbursements and is subject to change. 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. Most of these portfolios divide their assets among a dozen or more developed markets, including Japan, Britain, France, and Germany. Each of these ETFs gives you access to a wide variety of international bonds or stocks in a single, diversified investment. Vanguard International Growth is upgraded to a Morningstar Analyst Rating of Gold in recognition of the depth and talent at its two subadvisors. 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 fund invests predominantly in the stocks of companies located outside the United States and is expected to diversify its assets in countries across developed and emerging markets. VWIGX: Vanguard International Growth Fund - Fund Holdings. The terms investment grade and speculative grade are market conventions and do not imply any recommendation or endorsement of a specific security for investment purposes. 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. The Overall Morningstar Rating™ for the underlying fund is derived from a weighted average of the performance figures associated with its three-, five- and 10-year (if applicable) Morningstar Rating™ metrics. Source: Morningstar Direct for Mutual Funds, as of the most recent month end. December 20, 2019 The fund uses multiple investment advisors. Equity, or stock underlying funds may be categorized by the size of the securities in which the fund invests (market capitalization). Product summary. A.M. Best RatingAM Best's methodologies for rating is a comprehensive overview of the credit rating process, which consists of quantitative and qualitative evaluations of balance sheet strength, operating performance, business profile, and enterprise risk management.Fitch RatingsThe terms “investment grade” and “speculative grade” have established themselves over time as shorthand to describe the categories ‘AAA’ to ‘BBB’ (investment grade) and ‘BB’ to ‘D’ (speculative grade). The cumulative effect of fees and expenses can substantially reduce the growth of your retirement account. Past performance is no guarantee of future results and current performance may be lower or higher than the performance quoted. It is divided into two sections, investment grade and speculative grade. We find that high-quality management teams deliver superior performance relative to their benchmarks and/or peers. + When contributions are allocated to Funds under your employer's group annuity contract with John Hancock, they will be held in a sub-account (also referred to as "Fund"), which invests in shares of the specified underlying mutual fund, collective trust, ETF or a combination of these. In either case, the redemption of your interest by the affected Fund, as well as the investment of the redemption proceeds by the "new" Fund, may result in transaction costs to the Funds because the affected Funds may find it necessary to sell securities and the "new" Funds will find it necessary to invest the redemption proceeds. Vanguard International Growth Fund is an open-end fund incorporated in the USA. The fund focuses on international companies with higher-than-average growth potential. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. Ratings are as follows: 3yr=5; 5yr=5; 10yr=5. Once the plan fiduciary has been notified and unless they elect otherwise, in the case of Fund mergers and replacements, the affected Funds that are being merged or replaced may implement the redemption of your interest by payment in cash or by distributing assets in kind. 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. The Vanguard International Growth Fund focuses on non-U.S. companies with high growth potential. The lowest investment-grade rating is Baa3. According to present data Vanguard International Growth Adm's Vanguard International Growth Adm shares and potentially its market environment have been in a bullish cycle in the last 12 months (if exists). Fund Flows in millions of U.S. The Morningstar Analysis section contains a thorough evaluation of an investment’s merits and drawbacks and often discusses the most important or decisive factors leading to the fund’s overall rating. Sub-Account Inception Date: May 8, 2017 Underlying fund Inception Date: September 30, 1981. It is divided into two sections, investment grade and speculative grade. Foreign Large Growth: Foreign large-growth portfolios focus on high-priced growth stocks, mainly outside of the United States. The link you have saved will no longer access site content. Loss of Money Because the investment’s market value may fluctuate up and down, an investor may lose money, including part of the principal, when he or she buys or sells the investment. Date sub-account or Guaranteed Interest Account first available under group annuity contract. Allocation percentages may vary or be adjusted due to market or economic conditions or other reasons as set out in the prospectus. Management Performance is subject to the risk that the advisor’s asset allocation and investment strategies do not perform as expected, which may cause the portfolio to underperform its benchmark, other investments with similar objectives, or the market in general. © Copyright 2020 Morningstar, Inc. All rights reserved. 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.The placement of each investment option's risk/return category is subject to change. USD | NAV as of Dec 14, 2020 | 1-Day Return as of Dec 14, 2020, 11:07 PM GMT+00:00. Manager or Sub-Adviser refers to the manager of the underlying fund, or to the sub-adviser of the underlying John Hancock Trust, John Hancock Funds II, or John Hancock Funds III fund in which the sub-account invests. Requests may be cancelled if not within our guidelines.Participants are allowed a maximum of two exchanges per calendar month. 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. The fund uses an aggressive investment strategy and targets economic growth opportunities, like … 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. The International Core Stock Fund offers that allocation in a single broad-market fund. Also, the redemption and reinvestment processes, including any transition period that may be involved in completing such mergers and replacements, could be subject to market gains or losses, including those from currency exchange rates. Growth is defined based on fast growth (high growth rates for earnings, sales, book value, and cash flow) and high valuations (high price ratios and low dividend yields). 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. Past performance is no guarantee of future results.Morningstar assigns categories by placing funds into peer groups based on their underlying holdings. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.) (“John Hancock USA”), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York (“John Hancock NY”), Valhalla, NY. 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. Moody's appends numerical modifiers 1, 2, and 3 to each generic rating classification from Aa through Caa. The data that can be found in each tab includes historical performance, the different fees in each fund, the initial investment required, asset allocation, manager information, and much more. GAverage Credit Quality is from a Nationally Recognized Statistically Rating Organization (NRSRO). Redemption fees or market value adjustments associated with exchanges from particular investment options are described on applicable fund sheets, which are available online. Learn more about mutual funds at fidelity.com. ... 3 Year Earnings Growth 18.12 12.93. Instructions: Get the lastest Fund Holdings for Vanguard International Growth Fund from Zacks Investment Research Terms and Conditions Privacy Policy Disclosures Member User Agreement Corrections Cookies, | 1-Day Return as of Dec 14, 2020, 11:07 PM GMT+00:00, Muni National Intermediate-Term Bond Funds. 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