Select the answer that most fits your situation to determine your risk tolerance.*
       Start the quiz >>
* The results are based on generally accepted investment principles, but by no means are you bound by the results or should you consider the results as investment advice. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives. All investments involve risks, and fluctuations in the financial markets and other factors may cause declines in the value of your account.
En Español

LEGAL | PRIVACY | ACCESSIBILITY | CORPORATE WEBSITE

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock".

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans.  John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York.  Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make 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 such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark of John Hancock Life Insurance Company (U.S.A.).

JH Signature™ is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2018 All rights reserved.

MGTS-P 32404-GE
      
Select your age:
Next >>
En Español

LEGAL | PRIVACY | ACCESSIBILITY | CORPORATE WEBSITE

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock".

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans.  John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York.  Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make 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 such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark of John Hancock Life Insurance Company (U.S.A.).

JH Signature™ is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2018 All rights reserved.

MGTS-P 32404-GE
      
How many years until you plan to retire and begin making withdrawals from your plan?
<< Back
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En Español

LEGAL | PRIVACY | ACCESSIBILITY | CORPORATE WEBSITE

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock".

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans.  John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York.  Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make 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 such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark of John Hancock Life Insurance Company (U.S.A.).

JH Signature™ is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2018 All rights reserved.

MGTS-P 32404-GE
      
The value of some investments may fluctuate significantly over time. If you invest $10,000, what level of decline would you be willing to tolerate over five years?
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En Español

LEGAL | PRIVACY | ACCESSIBILITY | CORPORATE WEBSITE

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock".

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans.  John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York.  Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make 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 such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark of John Hancock Life Insurance Company (U.S.A.).

JH Signature™ is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2018 All rights reserved.

MGTS-P 32404-GE
      
How comfortable do you feel with at least a portion of your investments invested in the stock market?
<< Back
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En Español

LEGAL | PRIVACY | ACCESSIBILITY | CORPORATE WEBSITE

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock".

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans.  John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York.  Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make 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 such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark of John Hancock Life Insurance Company (U.S.A.).

JH Signature™ is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2018 All rights reserved.

MGTS-P 32404-GE
      
Which statement best describes your willingness to accept risk in order to achieve potentially higher returns?
<< Back
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En Español

LEGAL | PRIVACY | ACCESSIBILITY | CORPORATE WEBSITE

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock".

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans.  John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York.  Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make 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 such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark of John Hancock Life Insurance Company (U.S.A.).

JH Signature™ is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2018 All rights reserved.

MGTS-P 32404-GE
      
Do you agree you can meet your retirement goals based on your current salary and savings outside of your qualified investment plan?
<< Back
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En Español

LEGAL | PRIVACY | ACCESSIBILITY | CORPORATE WEBSITE

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock".

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans.  John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York.  Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make 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 such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark of John Hancock Life Insurance Company (U.S.A.).

JH Signature™ is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2018 All rights reserved.

MGTS-P 32404-GE
 
 
      
Your Results
 

Aggressive

If the statements below apply to you, an aggressive portfolio may be right for you:
  • I have an iron stomach and I’m willing to take significant risk for the chance to make money.
  • I have time to wait out market cycles because I’m confident that my savings will continue to grow.
Your quiz results may change over time. We encourage you to take the Risk Quiz each year to make sure that your risk profile accurately matches your risk tolerance.
Take the quiz again >>
Your Results
 

Growth

If the statements below apply to you, a growth portfolio may be right for you:
  • My aim is to make my money grow. I have very definite goals for my retirement and know that investing over the long term can help me reach them.
  • I understand there are short term risks and a potential for large swings in the stock market. But over the long term, I feel confident that equities offer the highest potential for growth.
Your quiz results may change over time. We encourage you to take the Risk Quiz each year to make sure that your risk profile accurately matches your risk tolerance.
Take the quiz again >>
Your Results
 

Balanced

If the statements below apply to you, a balanced portfolio may be right for you:
  • I understand investing and am willing to take some risk to help my money grow, although I want a balance between building and protecting my money.
  • Middle of the road – that’s me. I want a diversified and balanced approach.
Your quiz results may change over time. We encourage you to take the Risk Quiz each year to make sure that your risk profile accurately matches your risk tolerance.
Take the quiz again >>
Your Results
 

Moderate

If the statements below apply to you, a moderate portfolio may be right for you:
  • I’m comfortable knowing that my money is protected from extreme market fluctuations. I’m comfortable investing in some stocks, but I don’t want to worry that my retirement savings are losing money.
  • I want to increase my retirement savings but provide some protection for what I have.
Your quiz results may change over time. We encourage you to take the Risk Quiz each year to make sure that your risk profile accurately matches your risk tolerance.
Take the quiz again >>
Your Results
 

Conservative

If the statements below apply to you, a conservative portfolio may be right for you:
  • Slow and steady is the best way to describe my approach to investing. I’m most comfortable contributing to my retirement plan on a regular basis and not taking much risk.
  • I don’t normally play the stock market but I realize it’s important to diversify my portfolio to meet my retirement goals.
Your quiz results may change over time. We encourage you to take the Risk Quiz each year to make sure that your risk profile accurately matches your risk tolerance.
Take the quiz again >>
The categorization of investment type as "Conservative," "Moderate," "Balanced," "Growth," and "Aggressive" in terms of the results of the risk profile are simply suggestions for consideration. This material is not intended to replace the advice of a qualified financial professional. Before making any financial commitment regarding the issues discussed here, consider consulting with the appropriate financial professional to determine risk tolerances and the suitability of various investments and asset allocations in view of your individual, financial, investment, tax, family and other personal considerations.
En Español

LEGAL | PRIVACY | ACCESSIBILITY | CORPORATE WEBSITE

John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), John Hancock Life Insurance Company of New York (John Hancock New York), and John Hancock Retirement Plan Services, LLC are collectively referred to as "John Hancock".

John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans.  John Hancock Trust Company LLC provides trust and custodial services to such plans.

Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York.  Product features and availability may differ by state.

John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make 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 such companies does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. 

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name.

JH Enterprise® is a registered trademark of John Hancock Life Insurance Company (U.S.A.).

JH Signature™ is a trademark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2018 All rights reserved.

MGTS-P 32404-GE