JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) PROTECTION VARIABLE UNIVERSAL LIFE Investment Model Portfolios

Investment options of JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) PROTECTION VARIABLE UNIVERSAL LIFE

Total Available Funds: 70

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	JEINX	JOHN HANCOCK 500 Index B
LARGE VALUE	JIEMX	JOHN HANCOCK Equity-Income
MID-CAP VALUE	JEMUX	JOHN HANCOCK Mid Value
LARGE BLEND	JEACX	JOHN HANCOCK All Cap Core
LARGE BLEND	JICVX	JOHN HANCOCK All Cap Value
LARGE BLEND	JHFLX	JOHN HANCOCK Fundamental Value
LARGE BLEND	JEQAX	JOHN HANCOCK Optimized All Cap
LARGE VALUE	JAPOX	JOHN HANCOCK Alpha Opportunities
LARGE VALUE	JIQVX	JOHN HANCOCK Optimized Value
LARGE BLEND	JEBIX	JOHN HANCOCK American Blue Chip Income and Growth
LARGE GROWTH	JEGRX	JOHN HANCOCK American Growth
Small Growth	JESGX	JOHN HANCOCK Small Cap Growth
LARGE BLEND	JEGFX	JOHN HANCOCK American Growth-Income
SMALL BLEND	JESIX	JOHN HANCOCK Small Cap Index
SMALL BLEND	JISOX	JOHN HANCOCK Small Cap Opportunities
SMALL VALUE	JESVX	JOHN HANCOCK Small Cap Value
SMALL BLEND	JISVX	JOHN HANCOCK Small Company Value
LARGE GROWTH	JHBCX	JOHN HANCOCK Blue Chip Growth
LARGE BLEND	JILPX	JOHN HANCOCK Large Cap
Small Growth	JGSOX	JOHN HANCOCK Smaller Company Growth
LARGE GROWTH	JHCPX	JOHN HANCOCK Capital Appreciation
LARGE VALUE	JICZX	JOHN HANCOCK Large Cap Value
LARGE BLEND	JELAX	JOHN HANCOCK Lifestyle Aggressive
LARGE BLEND	JELGX	JOHN HANCOCK Lifestyle Growth
LARGE BLEND	JETSX	JOHN HANCOCK Total Stock Market Index
MID-CAP BLEND	JECIX	JOHN HANCOCK Mid Cap Index

FIXED INCOME
Intermediate-Term Bond	JIADX	JOHN HANCOCK Active Bond
Intermediate-Term Bond	JEBTX	JOHN HANCOCK American Bond
High Yield Bond	JYHIX	JOHN HANCOCK High Yield
Inflation-Protected Bond	JIRRX	JOHN HANCOCK Real Return Bond
SHORT GOVERNMENT	JSTDX	JOHN HANCOCK Short Term Government Income
Intermediate-Term Bond	JIQBX	JOHN HANCOCK Investment Quality Bond
Multisector Bond	JISBX	JOHN HANCOCK Strategic Bond
Multisector Bond	JESNX	JOHN HANCOCK Strategic Income Opportunities
Intermediate-Term Bond	JEBBX	JOHN HANCOCK Total Bond Market B
Intermediate-Term Bond	JICDX	JOHN HANCOCK Core Bond
Intermediate-Term Bond	JITRX	JOHN HANCOCK Total Return
High Yield Bond	JHHLX	JOHN HANCOCK U.S. High Yield Bond

Others
Financial	JEFSX	JOHN HANCOCK Financial Services
ROOT	CASH	JOHN HANCOCK Money Market B
Moderate Allocation	FFAAX	JOHN HANCOCK Franklin Templeton Founding Allocation
Natural Resources	JNRAX	JOHN HANCOCK Natural Resources
Moderate Allocation	PAAIX	JOHN HANCOCK PIMCO VIT All Asset
Health	JEHSX	JOHN HANCOCK Health Sciences
Technology	JESTX	JOHN HANCOCK Science & Technology
Moderate Allocation	JGAOX	JOHN HANCOCK Core Allocation Plus
Moderate Allocation	JELBX	JOHN HANCOCK Lifestyle Balanced
Conservative Allocation	JELCX	JOHN HANCOCK Lifestyle Conservative
Moderate Allocation	JIANX	JOHN HANCOCK Core Strategy
Conservative Allocation	JELMX	JOHN HANCOCK Lifestyle Moderate
World Allocation	JGBOX	JOHN HANCOCK Disciplined Diversification
Utilities	JEUTX	JOHN HANCOCK Utilities

INTERNATIONAL EQUITY
WORLD STOCK	JEFGX	JOHN HANCOCK Global
WORLD STOCK	JEFGX	JOHN HANCOCK Global Bond
Foreign Large Value	GOCIX	JOHN HANCOCK International Core
Foreign Large Blend	JEIEX	JOHN HANCOCK International Equity Index A
Foreign Large Blend	JEIEX	JOHN HANCOCK International Equity Index B
Foreign Large Growth	JIIOX	JOHN HANCOCK International Opportunities
Foreign Large Blend	JEILX	JOHN HANCOCK American International
Foreign Large Value	JIVIX	JOHN HANCOCK International Value

Emerging Market
Emerging Market	JAAOX	JOHN HANCOCK American Asset Allocation
Emerging Market	JCFOX	JOHN HANCOCK American Fundamental Holdings
Emerging Market	JCGOX	JOHN HANCOCK American Global Diversification
Emerging Market	JISAX	JOHN HANCOCK International Small Company
Emerging Market	JANTX	JOHN HANCOCK American New World
Emerging Market	JBLOX	JOHN HANCOCK Balanced
Emerging Market	JCATX	JOHN HANCOCK Capital Appreciation Value
Emerging Market	JADWX	JOHN HANCOCK Core Diversified Growth & Income
DIVERSIFIED EMERGING MKTS	JEMBX	JOHN HANCOCK Emerging Markets Value

REAL ESTATE
REAL ESTATE	JIREX	JOHN HANCOCK Real Estate Securities

Investment model portfolios

We provide two types of investment model portfolios for JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) PROTECTION VARIABLE UNIVERSAL LIFE participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Customize a model portfolio now

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name	YTD Return	1Yr AR	3Yr AR	5Yr AR	10Yr AR	15Yr AR	20Yr AR	Common	Inception
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) PROTECTION VARIABLE UNIVERSAL LIFE Tactical Asset Allocation Moderate	NA	6.61%	10.95%	7.57%	10.70%	NA	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	15.05%	12.81%	0.28%	6.79%	4.72%	8.28%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	9.09%	8.98%	1.32%	6.90%	5.88%	NA	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	JOHN HANCOCK … Moderate	0.03	6.61	10.95	7.57	10.70	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	3.94	12.66	3.44	19.05	16.50	-4.81	6.07	20.61	6.28	10.43	28.20	-4.97	-2.55	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.25	15.05	12.81	0.28	6.79	4.72	8.28	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	0.34	9.09	8.98	1.32	6.90	5.88	NA	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	JOHN HANCOCK … Moderate	NA	1.64	1.08	0.75	1.01	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	0.54	1.65	0.22	1.42	1.46	-0.50	0.31	2.24	0.57	1.18	2.78	-0.99	-1.00	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	JOHN HANCOCK … Moderate	NA	7.72	12.41	12.04	10.51	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	7.30	7.62	15.34	13.34	11.24	11.53	9.94	7.73	7.25	8.01	9.90	6.12	4.86	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	JOHN HANCOCK … Moderate	NA	5.46	13.87	13.98	13.98	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	0.37	5.46	13.87	9.74	7.35	12.64	7.32	5.08	5.99	6.60	4.75	6.48	7.02	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	JOHN HANCOCK … Moderate	NA	6.13	5.20	4.42	4.62	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	0.00	6.36	3.20	6.10	1.23	5.43	3.19	18.11	1.84	1.08	0.23	1.41	1.79	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.18	1.60	1.52	2.78	3.91	3.46	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.51	6.00	4.34	4.54	4.38	4.18	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2012, Common starting date is 12/31/2000

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