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. Investment style tells you whether the underlying fund invests in securities of companies that exhibit growth-style characteristics, such as above-average revenue and earnings growth, or in securities that exhibit value-style characteristics, such as shares considered to be underpriced in relation to fundamental measures such as revenues, earnings and assets. Read the Case 1-2 Vanguard International Growth Fund (attached) in the textbook. Equity, or stock underlying funds may be categorized by the size of the securities in which the fund invests (market capitalization). Contributions under a group annuity contract issued by John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) are allocated to investment options which: (a) invest solely in shares of an underlying mutual fund, collective trust, or ETF; (b) invest in a combination of these; or (c) are Guaranteed Interest Accounts and which will be held in the John Hancock USA general account. Bond … In particular, allocating assets to a small number of investment options concentrated in particular business or market sectors could subject an account to increased risk and volatility. Any representation to the contrary is a criminal offense. Index Performance: With respect to the Funds that display an index performance. MSCI All Country World ex US: Free float-adjusted market capitalization index that is designed to measure equity market performance in the global developed and emerging markets. 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 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. Peer Group Performance: With respect to the Funds that display a Peer Group Performance. Ratings are as follows: 3yr=5; 5yr=5; 10yr=5. The underlying fund company has not reviewed the sub-accountâs performance. Vanguard® International Growth Fund ... considered to have above-average growth potential. 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 The one sector fund from Vanguard that covers international stocks is VGXRX, which focuses on the real estate sector in the form of real estate investment trusts (REITs). The fund has no carryforwards available at the start of the 2018 fiscal year. Fund facts. Net assets are more likely to decrease and fund expense ratios are more likely to increase when markets are volatile. The growth tailwind, combined with superior stock selection, led to the stellar results. 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. Identify the risk, and explain its unpredictability. Past performance is not a guarantee of future results. 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. Total fund flow is the capital inflow into an ETF minus the capital outflow from the ETF for a particular time period. If you're already a Vanguard client: Call 800-888-3751. The People Pillar is our evaluation of the VWIGX management teamâs experience and ability. ±Weightings - Applicable to only the Target Date (Lifecycle Portfolio) and Target Risk (Lifestyle Portfolios) Each Target Risk/Target Date Portfolio has a target percentage allocation designed to meet the investment objectives of a corresponding investment orientation. The Process Pillar is our assessment of how sensible, clearly defined, and repeatable VWIGXâs performance objective and investment process is for both security selection and portfolio construction. All rights reserved. MAY LOSE VALUE. You can visit the Employee Benefit Security Administration's Web site for an example demonstrating the long-term effect of fees and expenses. Funds with scores in the top 10% of each category receive 5 stars (highest); the next 22.5%, 4 stars (above average); the next 35%, 3 stars (average); the next 22.5%, 2 stars (below average); and the bottom 10%, 1 star (lowest). Past performance does not guarantee future results. Currency Investments in securities traded in foreign currencies or more directly in foreign currencies are subject to the risk that the foreign currency will decline in value relative to the U.S. dollar, which may reduce the value of the portfolio. Vanguard Total International Stock ETF (VXUS) You can use just a few ETFs to invest overseas. Seeks to provide long-term capital appreciation. USD | NAV as of Dec 14, 2020 | 1-Day Return as of Dec 14, 2020, 11:07 PM GMT+00:00. Listed holdings do not represent all of the holdings in the underlying fund. The Vanguard International Growth Fund focuses on non-U.S. companies with high growth potential. Performance does not reflect any applicable contract-level or certain participant-level charges, fees for guaranteed benefits if elected by participant under the group annuity contract or redemption fees imposed by the underlying Portfolio. VWILX - Vanguard International Growth Adm Fund Family Name: Vanguard; Expense Ratio: 0.34%; ETFdb.com Category: Foreign Large Cap Equities; Benchmark Index Name: MSCI EAFE Index; Benchmark Index Description: The index measures the performance of equity markets in European, Australasian, and Far Eastern markets. The Signature Menu was introduced December 8, 2014. 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. Monday through Friday 8 a.m. to 8 p.m., Eastern time ** Performance of the Sub-account 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 portfolio.+ The Signature Menu was introduced December 8, 2014. 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. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. These charges, if included, would otherwise reduce the total return for a participant's account. Vanguard International Growth Fund is an open-end fund incorporated in the USA. The Morningstar Analysis section contains a thorough evaluation of an investmentâs merits and drawbacks and often discusses the most important or decisive factors leading to the fundâs overall rating. Run by two well-regarded institutional money … An exchange is defined as the full rebalance of a participantâs account, or single or multiple fund-to-fund transfers that involve multiple investment options (also referred to as âinter-account transfersâ) on one day, and may be made over the Web, by fax, courier or mail, through our toll-free participant services line, or with a client account representative.Recognizing that there may be extreme market or other circumstances requiring a participant to make a further change, John Hancock will allow a participant to move 100% of their assets to a Money Market or Stable Value Fund (as available under the contract after the exchange limit has been reached; no subsequent exchanges may be made for 30 days.Once the 30-day hold has expired, participants can trade again in accordance with the above guidelines.The guidelines do not. Market/Market Volatility The market value of the portfolioâs securities may fall rapidly or unpredictably because of changing economic, political, or market conditions, which may reduce the value of the portfolio. We find that high-quality management teams deliver superior performance relative to their benchmarks and/or peers. Vanguard International Growth Fund Prospectus The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or passed upon the adequacy of this prospectus. Foreign Large Growth: Foreign large-growth portfolios focus on high-priced growth stocks, mainly outside of the United States. Requests may be cancelled if not within our guidelines.Participants are allowed a maximum of two exchanges per calendar month. Country- or region-specific risks also include the risk that adverse securities markets or exchange rates may impact the value of securities from those areas. With this Growth Fund, Vanguard picks high-growth companies that will knock it out of the park for you. The table below includes fund flow data for all U.S. listed Vanguard Growth ETFs. Investments in currency hedging positions are subject to the risk that the value of the U.S. dollar will decline relative to the currency being hedged, which may result in a loss of money on the investment as well as the position designed to act as a hedge. 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. The lowest investment-grade rating is Baa3. Morningstar ratings are applicable to the underlying only and reflect historical risk-adjusted performance as of the most recent calendar quarter-end. It is divided into two sections, investment grade and speculative grade. Moody's appends numerical modifiers 1, 2, and 3 to each generic rating classification from Aa through Caa. ¤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. 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. 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. For more information on a particular investment option, please refer to John Hancock USA's Fund sheets, available through the Web site or your John Hancock USA representative. Any representation to the contrary is a criminal offense. Returns shown reflect the Expense Ratio of the sub-account. The credit quality breakdown does not give effect to the impact of any credit derivative investments made by the fund.Moody'sThe rating scale, running from a high of Aaa to a low of C, comprises 21 notches. Fixed income, or bond Funds are often categorized by the duration and credit quality of the bonds held in the underlying fund. These companies buy and own office buildings, hotels, and other real estate properties. i34. Learn How to Read a Morningstar Analyst Report. These portfolios primarily invest in stocks that have market caps in the top 70% of each economically integrated market (such as Europe or Asia ex-Japan). 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. Dollars. Fund Market & Finance report, prediction for the future: You'll find the Vanguard International Growth Adm forecasts and fund quote below. 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. For more information or to order prospectuses for the underlying investments, call 800-395-1113 and speak to a client account representative. These impacts are absorbed by other fund investors, including retirement plan participants. Equity Securities The value of equity securities, which include common, preferred, and convertible preferred stocks, will fluctuate based on changes in their issuersâ financial conditions, as well as overall market and economic conditions, and can decline in the event of deteriorating issuer, market, or economic conditions. As a result of this review, or if requested by a fund company, additional restrictions may be imposed on a participant's retirement account, including but not limited to:â¢Applying redemption fees and/or trade restrictions as requested by the underlying fund manager. The ticker symbols shown are for the underlying mutual fund, collective trusts or ETFs in which sub-accounts are invested. If the fund is new and has no portfolio history, Morningstar estimates where it will fall before giving it a permanent category assignment. 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. NOT BANK GUARANTEED.© 2020 John Hancock. In selecting stocks, the fund's advisors evaluate foreign markets around the world and choose large-, mid-, and small-capitalization companies considered to have above-average growth potential. 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. Over the period (1993 - 2018) the Vanguard International Growth Fund regularly distributed both short-term and long-term gains to shareholders from 1996 - 2002, and 2006 - 2009, periods in which the fund did not possesssufficient loss carryforwards to offset any realized gains. These investment options may be sub-accounts (pooled funds) investing directly in underlying mutual fund, collective trusts, or ETFs, or they may be Guaranteed Interest Accounts.The Funds offered on the JH Signature platform are classified into five risk categories. Merger and Replacement Transition Risk for Sub-Account. GAverage Credit Quality is from a Nationally Recognized Statistically Rating Organization (NRSRO). All other performance data is actual (except as otherwise indicated). Performance current to the most recent month-end is available at myplan.johnhancock.com. Vanguard International Growth Fund Investor Shares (VWIGX) Nasdaq - Nasdaq Delayed Price. Morningstar Category: © 2020 Morningstar. In selecting stocks, the fundâs advisors evaluate foreign markets around the world and choose large-, mid-, and small-capitalization companies considered to have above-average growth potential. Currency in USD. Vanguard International Growth is upgraded to a Morningstar Analyst Rating of Gold in recognition of the depth and talent at its two subadvisors. Analyze the Fund Vanguard International Growth Fund Investor Shares having Symbol VWIGX for type mutual-funds and perform research on other mutual funds. Fund Flows in millions of U.S. "Underlying fund" includes the underlying mutual fund, collective trust, or ETF in which a sub-account invests. Vanguard International Growth Fund Series F Units VIC400 Objective The fund seeks to provide long-term capital appreciation by investing primarily in the stocks of companies located outside Canada and the United States. From time to time, changes are made to Funds, and the availability of these changes may be subject to State approvals or other compliance requirements. Performance data reflects changes in the prices of a sub-account's investments (including the shares of an underlying fund), reinvestment of dividends and capital gains and deductions for the Expense Ratio (ER). 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 âinvestment gradeâ and âspeculative gradeâ have established themselves over time as shorthand to describe the categories âAAAâ to âBBBâ (investment grade) and âBBâ to âDâ (speculative grade). Country or Region Investments in securities from a particular country or region may be subject to the risk of adverse social, political, regulatory, or economic events occurring in that country or region. The multiadvisor structure provides investment style diversification and the potential for Rating does not include the effects of sales charges, loads, and redemption fees. Each of these ETFs gives you access to a wide variety of international bonds or stocks in a single, diversified investment. The effect of short-term trading may disrupt or be potentially disruptive to the management of the fund underlying an investment option and may thereby adversely impact the underlying fundâs performance, either by impacting fund management practices or by increasing fund transaction costs. John Hancock does not provide advice regarding appropriate investment allocations. These charges, if included, would otherwise reduce the total return for a participantâs account. Privacy Policy and Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.) (âJohn Hancock USAâ), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York (âJohn Hancock NYâ), Valhalla, NY. Instructions: The risk category in which a Fund is placed is determined based on where the 10 year Standard Deviation (defined below) of the underlying fund's Morningstar Category falls on the following scale: if the 10 year Standard Deviation of the underlying fund's Morningstar Category is 15.00 or higher, the Fund is classified as "Aggressive;" between 12.5 and 15.00 as "Growth;" between 6.25 and 12.49 as "Growth & Income;" between 1.50 and 6.24 as "Income;" and 1.49 and below as "Conservative." ( `` ER '' ) shown represents the total return for a participantâs account of fees and expenses can reduce. Performance does not include the risk that adverse securities markets or exchange rates may the. The past three years a Nationally Recognized Statistically rating Organization ( NRSRO ) underlying fund! Is protected by reCAPTCHA and the minimum initial purchase amount is $ 3,000 line with investorsâ interests does! 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