Important Disclosures

Past performance.

Past performance does not guarantee future results. Periodically, portfolios may require rebalancing due to market ups and downs and shifts in the performance of an investment, which can alter investment values and your intended allocation. As your goals, time horizon, or risk tolerance changes during the course of your lifetime, your existing allocation may need to be updated.

Understanding performance.

The Personal Rate of Return for your portfolio is based on the performance of your Investment Options, timing and amount of contributions and distributions you have made in your Accounts. As a result, your Personal Rate of Return may differ from the performance of the investments that make up your portfolio. This is because the performance of the investments held in your portfolio only includes the change in each investment's unit price, whereas you may have placed contribution or distribution transactions during the period. In addition, price or transaction corrections for previously declared values that were posted after the calculation date may not be reflected in the results. Your personal performance and portfolio value history is calculated daily as of the previous business day's market close. The Personal Rate of Return since inception of investment is reflected as an annualized percentage for time periods greater than twelve months, while a Personal Rate of Return for time periods twelve months or less is not annualized.

The allocation of your investments - among the principal equity, fixed income, and money market asset classes - can play a major role in investment performance. It can also impact your ability to achieve your investment goals. That's why your timeframe, objectives, risk tolerance and personal financial situation are important considerations when determining an appropriate asset allocation, which should be discussed with your financial professional.

Calculation method.

Your Personal Rate of Return is calculated using the Modified Dietz Method, an industry-accepted approach to calculate personal rate of return. This method is based on a time-weighted analysis that takes into account the returns of the Investment Options you hold, as well as the timing and amounts of your contributions and distributions. For purposes of calculating a Personal Rate of Return since inception of your investment, the calculation takes into account any Investment Options you previously may have held and in which you are no longer invested. Accounts established after January 1, 2003 will use actual inception date with such calculations, while Accounts established prior to January 1, 2003, will use an inception date of January 1, 2003. Please note that there are other methods to calculate Personal Rate of Return on investments which could provide different results than the Modified Dietz Method. The data used for the calculations represented here is obtained from historical transaction data from John Hancock Freedom 529's recordkeeping system. Keep in mind that your statement is the official record of your Accounts.

Please note that the Modified Dietz method may produce anomalies in your Personal Rate of Return in the form of large positive or negative returns. This may happen when an Account or portfolio experiences large cash flows in the form of contributions or distributions or during periods of extreme market fluctuation.

For additional information about the Modified Dietz method, please click here and select "Personal Performance."

What assets are included.

Your Personal Rate of Return includes all portfolio Accounts under your Social Security number you may have held during the calculation period, including the Accounts that were open and active at one time, but are now closed.

Personalized charts.

You can view your Personal Rate of Return at the Account Holder/Beneficiary level and the individual investment option level. A table will show your beginning and ending balances and cash flows used in the calculation of your Personal Rate of Return. The corresponding bar or line chart illustrates your portfolio or Account value for the time period selected.

Net investment and total Account value:

Net investments correspond to cash flows resulting from your contributions, exchanges, and distributions in your Accounts. Total value represents the market value of your investments.

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