John Hancock 2025 Lifetime Blend Portfolio: Q4 2025 Commentary

Instructions

The John Hancock 2025 Lifetime Blend Portfolio concluded the fourth quarter of 2025 with a favorable performance, albeit marginally trailing its benchmark. This period was characterized by robust returns across the majority of asset classes, benefiting from a generally positive global financial market environment. A key contributor to the fund's positive showing was its strategic overweighting in emerging-market equities, which emerged as the leading segment within global equity markets during the quarter. Conversely, the collective results from the underlying fund managers modestly weighed on overall performance. Looking ahead, the portfolio remains committed to a diversified investment approach, expecting this strategy to become increasingly crucial as market leadership extends beyond the concentrated influence of mega-cap technology stocks.

Navigating Market Dynamics: A Review of the John Hancock 2025 Lifetime Blend Portfolio's Q4 Performance

Analyzing the Quarter's Financial Landscape and Portfolio Returns

During the final three months of 2025, a significant portion of asset classes delivered robust returns, fueled by a supportive global financial market. The fund achieved a positive gain, though it marginally underperformed its designated benchmark.

Strategic Asset Allocation: A Catalyst for Performance

The fund's asset allocation strategy played a pivotal role in its performance. A strategic overweighting in emerging-market equities, which proved to be the top-performing sector in global equity markets throughout the quarter, provided a notable boost. Nevertheless, the aggregate performance of the underlying managers slightly hampered the overall results.

Diversification: The Core Tenet of Our Investment Philosophy

The fund continues to embrace a broad diversification strategy. This approach is anticipated to gain increasing importance as market leadership is expected to expand beyond a concentrated group of mega-cap technology firms, fostering a more varied investment landscape.

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