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Embrace the power of your plan

Your workplace offers you a valuable benefit—a retirement plan. We can help you make the most of it.

Why do you need to save now?

Not sure why you need a retirement plan? We'll explain the different types of plans and why it's so important to start saving as soon as you can. 

We'll help you get started.

When you’re ready, we’ll guide you through enrolling in the plan and registering online.

 

We'll help make the investing part easy.

Whether you don't know much about investments or you’re a confident investor, you can use our tools and resources to help make your retirement investing decisions easy. 

  • Retirement plan basics
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  • Retirement plan basics
  • Get started

Your retirement plan—one great benefit, lots of advantages

Did you know your retirement could last more than 30 years? Your employer knows how important it is to save for retirement, so they’re offering you a retirement plan to help. Your plan makes it easy to save, with automatic deductions from your paycheck. And it’s yours—you can change your contribution rate at any time, and if you change jobs, your contributions and earnings belong to you. Your retirement plan also comes with tax advantages and can get a boost from compounded earnings.


Learn about the plans you may be offered

There are a few different types of retirement plans you may be offered at work. Here's a little info on the most common ones you might have. 

401(k)—The most common workplace retirement plan, a 401(k) lets you save money with certain tax advantages. Your employer may also contribute money to your 401(k).

Proft-sharing plan—The employer contributes a portion of the company's profits to a proft-sharing plan. You don't contribute to it on your own.

Money purchase plan—The employer makes an annual contribution to a money purchase plan. You don't contribute to it on your own.

457 plan—Offered by state and local governments and some tax-exempt organizations, 457 plans let you save money with certain tax advantages. Your employer may also contribute money to your 457 plan.

Ready to get started? 

The first decision you'll need to make after you enroll is how much to contribute to your plan. Our retirement planner¹ helps you make that decision with personalized projections of your saving and spending needs.

It’s your future—see how it looks!

Use the retirement planner to instantly see a year-by-year breakdown of your projected retirement expenses and income, including: 

  • Basic expenses, such as housing and food 
  • Healthcare costs 
  • Nonessential expenses, such as travel and entertainment  

Then refine your projections to match your lifestyle and plans, so you can make informed decisions about how much to save for your future.

Learn more about the retirement planner

Ready to sign in and see your plan?

When you sign in to your retirement account, you can use the retirement planner and:

  • See your account balance
  • Change your contributions
  • Assess your financial well-being and get a personalized action plan
  • Manage your investments and see how they're performing
  • Learn about managing your finances in My Learning Center
  • Much more!
Sign in to your account

Need help with investing? 

Whether you want to manage your investments on your own or get help, we have plenty of options for you.

We've got investment options for your needs

Your retirement plan helps you save and invest for your future, whatever your investment knowledge level happens to be. You can: 

  • Select and manage your investments yourself
  • Invest in a fund that's professionally managed according to your retirement date or preferred risk level2
  • Choose a managed account to have your investments selected and managed for you3
Watch videos to learn some investing basics

1 The projected retirement income estimates for your current John Hancock accounts, future contributions, employer contributions (if applicable), and other accounts set aside for retirement used in this calculator are hypothetical, for illustrative purposes only, and do not constitute investment advice. Results are not guaranteed and do not represent the current or future performance of any specific account or investment. Due to market fluctuations and other factors, it is possible that investment objectives may not be met. Investing involves risks, and past performance does not guarantee future results. 2 Neither asset allocation nor diversification guarantees a profit or protects against a loss. 3 Managed accounts provide you access to a personally constructed portfolio and professional management of your account by a registered investment advisor by allocating and rebalancing investments for you. Options are subject to plan availability. Please visit myplan.johnhancock.com for more information.

Important disclosures

For complete information about a particular investment option, please read the fund prospectus. You should carefully consider the objectives, risks, charges and expenses before investing. The prospectus contains this and other important information about the investment option and investment company.  Please read the prospectus carefully before you invest or send money. Prospectus may only be available in English.

It is your responsibility to select and monitor your investment options to meet your retirement objectives. You should review your investment strategy at least annually. You may also want to consult your own independent investment or tax advisor or legal counsel.

MGS-P 617442-GE 8/24-617442               MGR0808243752974

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Manulife John Hancock Retirement

Manulife, Manulife Retirement, Stylized M Design, and Manulife Retirement & Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and John Hancock and the Stylized John Hancock Design are trademarks of John Hancock Life Insurance Company (U.S.A.). Each are used by it and by its affiliates under license.​

The content of this website is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. It is not intended to provide investment, tax, plan design or legal advice (unless otherwise indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.

This is no guarantee that any investment strategy will achieve its objectives.

John Hancock Retirement Plan Services LLC provides administrative and/or recordkeeping services to sponsors or administrators of retirement plans through an open-architecture platform. John Hancock Trust Company LLC, a New Hampshire non-depository trust company, provides trust and custodial services to such plans, offers an Individual Retirement Accounts product, and maintains specific Collective Investment Trusts. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. All entities do business under certain instances using the John Hancock brand name. Each entity makes available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, each entity does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.

NOT FDIC INSURED. MAY LOSE VALUE. NOT BANK GUARANTEED.

© 2025 Manulife John Hancock Retirement​. All rights reserved.

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