Which of John Hancock's funds are the top ones for retirement? Saving for retirement comes with many decisions to make, which can be overwhelming, especially if you are trying to ensure you have the right asset allocation and a 澳洲幸运5官方开奖结果体彩网:diversified portfolio. There are thousands of investment options from which toꦅ choose.

Like many large investment firms, John Hancock, a unit of Canada-based Manulife Financial Corporation, has funds that provide broad exposure to all the 澳洲幸运5官方开奖结果体彩网:asset classes you should include in a retirement portfolio. The right mix of funds depends on your 澳洲幸运5官方开奖结果体彩网:risk tolerance, your number of years to retirement, and your overall finan🧸cial picture. The following funds offered by Jo🍸hn Hancock are among the top choices in different asset classes to consider for your retirement portfolio.

Don't Overlook Fees

Before we get into the funds, first let’s talk about fees. John Hancock, like all asset managers, operates its funds with different 澳洲幸运5官方开奖结果体彩网:share classes. Each comes with a different fee structure.

Some of the classes have 澳洲幸运5官方开奖结果体彩网:front-end loads; others have 澳洲幸运5官方开奖结果体彩网:deferred loads or no loads at all.

All of the funds mentioned below are actively managed. If you decide to invest in one, remember to double-check 澳洲幸运5官方开奖结果体彩网:which mutual fund share class you are investing in. Fees can have a big impact on returns.

Types of Funds

U.S. Stocks

When investing in U.S. stocks you want to ensure that you are getting broad diversification across large, medium, and small-capitalization c🌄ompanies. In order to do this with John Hancock, you should consider the following funds.

The Fundamental Large Cap Core Fund (TAGRX) invests mainly in large-cap, growth and value companies. The Disciplined Value Mid-Cap (JVMAX) will provide exposure to 澳洲幸运5官方开奖结果体彩网:mid-cap stocks, and the Small Cap Value Fund (JSCAX) to small-cap stocks. All these funds have Class A shares.

International Stocks

For international exposure, you can buy shares in the Disciplined Value International Fund (JDIBX), which invests primarily in large companies in developed countries. If you prefer to also add 澳洲幸运5官方开奖结果体彩网:emerging markets to your portfolio, consider the Emerging Markets Equity Fund (JEMQX). All these funds have Class A shares.

Bonds

John Hancock has a good multi-sector bond fund that will give your portfolio exposure to 澳洲幸运5官方开奖结果体彩网:government and 澳洲幸运5官方开奖结果体彩网:corporate bonds in developed and emerging markets. This fund is the John Hancock Income Fund (JHFIX) and is designed, like its name implies, to produce ongoing income for investors. This fund is also Class A.

Asset Allocation

If you prefer just one fund for both bonds and stocks, you can consider one of John Hancock's 澳洲幸运5官方开奖结果体彩网:asset allocation funds. The John Hancock Balanced Fund Class R4 (JBAFX) has a breakdown of about 60% stocks and 40% bonds and cash.

The Bottom Line

By exploring the options of a company like John Hancock, you can easily save for retirement without having to manage a large number of funds a♈nd still achieve diversification and the right asset allocation. Just remember to make sure you invest in the right share class for your needs.