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SPONSORED BYAmeripriseActive BalancedRisk Portfolios John Hancock Investment Management LLC “John Hancock” is the investmentmanager for Ameriprise Active Balanced Risk Portfolios “Portfolios” and has engagedManulife Investment Management (US) LLC “Manulife” as the portfolio strategist.Manulife provides John Hancock with asset allocation and investmentrecommendations while John Hancock is responsible for manager research andportfolio oversight. John Hancock has discretionary authority with respect toinvestment management and monitoring of the Portfolios.John Hancock Investment Management LLC and Manulife Investment Management(US) LLC are not affiliated with Ameriprise Financial, Inc.
John Hancock Investment Management: managerof Ameriprise Active Balanced Risk PortfoliosAt John Hancock Investment Management, our expertisein multi-asset investing dates back to 1995, with ourfirst suite of institutional portfolios employing multipleasset managers. Since then, multi-asset investing hasbeen central to the team’s portfolio design — integratinga wide array of new and alternative strategies that maybe used in asset allocation, seeking to maximize thediversification benefits for investors. A pioneer in multimanager approachesto asset allocation since 1995 H eritage of innovation, embracingalternative investments since 1997 A sset allocation portfolios representnearly a third of our business todayAt John Hancock Investment Management, our history of asset allocation leadership and innovation spans two decades.1995Multimanager assetallocation portfoliosfor retirement plans2005Target-riskportfoliosfor individuals1997Real estateinvestmenttrusts (REITs)Funds ural resources,internationalsmall caps2009AlternativeAsset AllocationFund2007Emerging marketequity, floatingrate loans2014IncomeAllocationFund2018Active Balanced RiskPortfolios, Active MultiAsset Income Portfolios2010Long/short currency,exchange-tradedfunds (ETFs)2011Globalabsolutereturn2020Expanded Active BalancedRisk Portfolios, Active MultiAsset Income Portfolios2013Hedge fundof fundsUnderlying exposures introducedOur investment approachWe serve investors globally through a uniquemultimanager approach. We search theworld to find proven portfolio teams withspecialized expertise for every strategywe offer, then we apply robust investmentoversight to ensure they continue to meetour uncompromising standards.Source: John Hancock Investment Management, 2021.TodayOur asset allocation franchise representsa substantial portion of our clients’ assetsunder management.nnnAsset allocationU.S. equityFixed incomennnAlternativeInternational equityOther
A time-tested processThe global portfolio management team follows a consistent process that hasendured over multiple market cycles. Managing multi-asset portfolios for overtwo decades, our global team combines macroeconomic research, fundamentalanalysis, and robust risk management. Implementing this process with differentspecialized managers enables the team to add or remove portfolio exposures withprecision and purpose.Three things to knowabout asset allocation1 D ifferent assets play differentroles : While stocks have significantappreciation and wealth-buildingpotential, bonds can generatesteady income.2 M arkets are unpredictable:Capital markets are dynamic, andtoday’s asset class leader may betomorrow’s laggard.Develop global market outlookBuild portfoliosThe team examines core andalternative asset classes, analyzesmacroeconomic and fundamentalfactors, and forecasts expectedreturns across the opportunity set.The team uses a proprietarymethodology to optimize theinvestment mix, allocate capital tomutual funds and ETFs, and create anenduring, long-run portfolio.3 T he mix matters: Selecting themix of assets in your portfolio maybe the dominant contributor to totalreturn — more so than the choice ofindividual mutual funds or ETFs.The investment universeis expandingThe number of fund categories trackedby MorningstarSelect asset classesand strategiesReview, monitor, adjustand repeatThe team tailors its search criteriaaround specific investment purposes,using the results to craft an assetroster, which is designed based on aworldwide, multimanager approach.Because the portfolios are activelymanaged, the team will monitor the mixdaily to pursue market dislocations,introduce or eliminate investments asneeded, and periodically revisit its longterm strategic allocations.2003Today58127Today, there are over 100 Morningstarcategories, which now include nichestyles and alternative investments.This variety of asset classes andspecialized managers presents newopportunities for investors.Source: Morningstar, as of April 2021.Static categories, those currently withoutdescription and without funds are omittedfrom these figures.
An investment approach that provides adeeper level of diversificationWe believe diversification should extend beyond asset classes to include multiple investment styles and multiplemanagers. Refining the techniques of diversification, this approach harnesses expert ideas from independentinvestment teams across the world. Our oversight process seeks to ensure that each manager adheres to itsassignment and that each mandate behaves according to our expectations.Our method delivers three layers of diversification to investors of our asset allocation portfolios.Representative of the U.S. large-cap equity portion of Ameriprise Active Balanced Risk Portfolios.For illustrative purposes only and subject to change.OversightMultiple asset classesMultiple stylesMultiple managersMonitoring each portfolioteam for the repeatability ofits investment process andmanagement of riskBoth within and beyondtraditional equity andfixed incomeContinual exposure to avariety of strategies asdifferent characteristicsgo in and out of favorA diversity of approachesfrom managers all overthe worldPortfolio oversightessU . S . l a rg e - c a p e qui t yV alueCor eGr owthgersaMultiplnae mutual fund and ETF mgoSource: John Hancock Investment Management, 2022.
Ameriprise Active Balanced Risk Portfolios:pursuing capital growth and current incomeAmeriprise Active Balanced Risk Portfolios seek to deliverconsistent long-term total returns with an emphasison downside risk management. They’re designed forinvestors pursuing a relatively stable balance of risk/return potential over time. Each portfolio invests in acombination of actively managed mutual funds andpassive ETFs to implement the desired asset allocation. M ulti-asset class, multistyle, multimanager approach Actively managed asset allocation through anunderlying combination of actively managed mutualfunds — core allocations — and passively managedETFs — dynamic allocations Roster of specialized portfolio teams, each with adistinct philosophy and approachConservativeModerate ConservativeModerateModerate AggressiveCapital growth andcurrent incomeCapital growth andcurrent incomeCapital growth andcurrent incomeCapital growth andcurrent ed income40%nFixed income29%nFixed income18%nFixed yFixed incomeAlternative Global equity Investment grade bonds Absolute return U.S. equity* Multi-sector bonds Managed futures Foreign developed equity* Emerging market bonds* Long/short equity Emerging market equity* Bank loans* Sector equity* Short-term bonds*2%*D ynamic allocations implemented with ETFs.For illustrative purposes only and does not reflect the current or future asset allocations of the Portfolio. Refer to the Portfolio fact sheet for more information.
John Hancock Investment Management LLC “John Hancock” is the investment managerfor Ameriprise Active Balanced Risk Portfolios “Portfolios” and has engaged ManulifeInvestment Management (US) LLC “Manulife” as the portfolio strategist. Manulifeprovides John Hancock with asset allocation and investment recommendations whileJohn Hancock is responsible for manager research and portfolio oversight. JohnHancock has discretionary authority with respect to investment management andmonitoring of the Portfolios.John Hancock Investment Management LLC and Manulife Investment Management(US) LLC are not affiliated with Ameriprise Financial, Inc.The information and opinions in this brochure are provided by third parties andhave been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Ameriprise Financial. It is given forinformational purposes only and is not a solicitation to buy or sell the securities mentioned. The information is not intended to be used as the sole basis forinvestment decisions, nor should it be construed as advice designed to meet theparticular needs of an individual investor.This material is intended for informational purposes only and should not be construedas legal, accounting, tax, investment or other professional advice.Past performance is not an indication of future performance, and processesused may not achieve the desired results.A rise in interest rates may result in a price decline of fixed-income instruments heldby the fund, negatively impacting its performance and NAV. Falling rates may result inthe fund investing in lower yielding debt instruments, lowering the fund’s income andyield. These risks may be heightened for longer maturity and duration securities.International investing involves certain risks and volatility due to potential political,economic or currency instabilities and different financial and accounting standards.Generally, large-cap companies are more mature and have limited growthpotential compared to smaller companies. In addition, large companies may notbe able to adapt as easily to changing market conditions, potentially resulting inlower overall performance compared to the broader securities markets duringdifferent market cycles.Market Risk may affect a single issuer, sector of the economy, industry or the marketas a whole.Investments in real estate are subject to illiquidity, valuation and financingcomplexities, taxes, default, bankruptcy and other economic, political orregulatory occurrences.The fund may invest significantly in issuers within a particular sector, which may benegatively affected by market, economic or other conditions, making the fund morevulnerable to unfavorable developments in the sector.Risks:Investments in small-cap and mid-cap companies involve risks and volatilitygreater than investments in larger, more established companies.Portfolio Risk: The portfolios are subject to risks associated with the underlyingfunds including, but not limited to: market risk, credit risk, interest rate risk, foreign/emerging markets risk, sector risk and risks associated with alternative investmentstrategies. See the fund prospectus for a definition of these and other specific risksassociated with the underlying funds.Income from tax-exempt funds may be subject to state and local taxes and aportion of income may be subject to the federal and/or state alternative minimumtax for certain investors. Federal income tax rules will apply to any capital gainsdistribution. Consult an attorney or your tax professional for a full understanding ofpotential tax liability.Absolute return funds are not designed to outperform stocks and bonds in strong(upward) markets.Total return, when measuring performance, is the actual rate of return of aninvestment or a pool of investments over a given evaluation period. Total returnincludes interest, capital gains, dividends and distributions realized over a givenperiod of time.Alternative investment strategies and structures may involve substantial risks, maybe more volatile than traditional investments, and are designed to be low or noncorrelated to traditional equity and fixed income markets.Concentration Risk: The concentration of exposure to any one asset class, industry,or issuer limits diversification and increases risk. The strategy holds instruments fromseveral issuers across various sectors to reduce risk.Credit Risk: An issuer may fail to repay an obligation as promised. All securities arerated investment grade by the major rating agencies. Strategy managers typicallyinvest in BBB rated or better securities. In-house credit analysts constantly reviewsecurity holdings.Risks are enhanced for emerging market issuers.In general, equity securities tend to have greater price volatility than debt securities.The market value of securities may fall, fail to rise or fluctuate, sometimes rapidlyand unpredictably.ETFs trade like stocks, are subject to investment risk and will fluctuate in marketvalue. ETFs may trade at a discount to NAV, are subject to tracking/correlation riskand shareholders bear additional ETF expenses.There are risks associated with fixed income investments, including credit risk,interest rate risk, and prepayment and extension risk. In general, bond prices risewhen interest rates fall and vice versa. This effect is usually more pronounced forlonger-term securities.Growth securities, at times, may not perform as well as value securities or thestock market in general and may be out of favor with investors.The U.S. government may be unable or unwilling to honor its financial obligations.Securities issued or guaranteed by federal agencies and U.S. governmentsponsored instrumentalities may or may not be backed by the full faith and credit ofthe U.S. government.Value securities may be unprofitable if the market fails to recognize their intrinsicworth or the portfolio manager misgauged that worth.Neither asset allocation nor diversification assure a profit or protect against loss.For more information about a specific portfolio, please request the appropriateActive Portfolios series’ fact sheet from your financial advisor.Please review the Ameriprise Managed Accounts Client Disclosure Brochure or, if youhave elected to pay a consolidated advisory fee, the Ameriprise Managed Accounts andFinancial Planning Service Disclosure Brochure, for a full description of servicesoffered, including fees and expenses as well as any applicable updates.Investment products are not insured by the FDIC, NCUA, or any federalagency, are not deposits or obligations of, or guaranteed by any financialinstitution, and involve investment risks, including possible loss of principaland fluctuation in value.Investment advisory products and services are made available through AmeripriseFinancial Services, LLC, a registered investment adviser.Manulife, Manulife Investment Management, Stylized M Design, and ManulifeInvestment Management & Stylized M Design are trademarks of The ManufacturersLife Insurance Company and are used by it, and by its affiliates under license.John Hancock Investment Management LLC, 200 Berkeley Street, Boston, MA 02116, 800-225-5291, jhinvestments.comNOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY.MP1998918 AMPABRPBR 114882 F (01/22) CPS-40225
a wide array of new and alternative strategies that may be used in asset allocation, seeking to maximize the diversification benefits for investors. A pioneer in multimanager approaches to asset allocation since 1995 Heritage of innovation, embracing alternative investments since 1997 Asset allocation portfolios represent
