In volatile times like we have seen recently, it is important to keep some of the fundamental truths of investing in mind.²

• Money can only be made in the future. It's impossible to invest in past returns.
• You don't pay a financial adviser 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.

Whether you're saving for retirement, a new home, your children's education or putting money aside for another goal, it is important to maintain long-term perspective. Work with your financial professional to develop a strategy to help you achieve a successful financial future.

Why John Hancock Mutual Funds?

• John Hancock is a name you know and trust. When you invest with John Hancock Mutual Funds, you are investing with one of the most recognized and respected names in the financial services industry.
• We provide solutions across the investing spectrum. We offer more than 50 funds and asset allocation portfolios, providing solutions across a range of asset classes. Our funds and portfolios are managed by some of the most respected investment managers available.
• We're committed to you. From our award-winning service to our enhanced Web site, we work hard to provide you with products and tools to help you reach your long-term financial goals.

²Source: Horsesmouth LLC, www.horsesmouth.com.