Winter 2011
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> FINANCIAL TIPS & TO DOS
Three investment resolutions for the New Year

The Babylonians, who originated the celebration of New Year's Day, believed that what a person does on the first day of the New Year would affect what happened during the entire year. Today, an investment resolution that you stick with could have an impact that lasts for years to come. So pick one, stick with it and make a fresh start in the year ahead.

  1. Review your portfolio. Meet with your financial professional. Check your asset allocation. Your financial professional can help you choose a strategy that's best for you.


  2. Think long term. As you plan your finances for the year ahead, make sure you are investing in your future. The easiest way to build a larger nest egg for future college costs and retirement is to increase the amount of money you invest.


  3. Build discipline. It takes both commitment and follow-up to change your behavior. When it comes to investing, you can achieve both with an automatic investment plan. Transfer money every month from your checking or savings account to a John Hancock mutual fund and you'll also take the guesswork out of investing.


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.


Important Contact Information

Web site: www.jhfunds.com
24 hours a day, 7 days a week, access account information and make transactions.

Voice response unit: 1-800-338-8080
24 hours a day, 7 days a week, automated phone service, account information and transactions.

Customer service: 1-800-225-5291
Monday through Friday, 8:00 a.m. — 7:00 p.m., Eastern Time

Mailing address:
Mutual Fund Operations
John Hancock Signature Services, Inc.
P.O. Box 55913
Boston, MA 02205-5913

Overnight address:
Mutual Fund Operations
John Hancock Signature Services, Inc.
30 Dan Road
Canton, MA 02021

For more information on any of this issue's articles, contact your financial adviser.

A fund's investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the Fund. To obtain a prospectus, contact your financial professional, call 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.

©2011 John Hancock Funds, LLC, Boston, MA


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601 Congress Street • Boston, MA 02210-2805
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NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY. 11WSN 12/11