John Hancock Funds II Multimanager 2010 Lifetime Portfolio is a target-date mutual fund designed to support investors approaching or in retirement. Its primary purpose is to deliver a diversified blend of growth and income by automatically adjusting its asset allocation as the target year—2010—is reached and surpassed. The fund initially emphasizes higher equity exposure to pursue growth, then systematically transitions toward a more conservative mix focused on fixed income and capital preservation as investors retire and begin withdrawing assets. The portfolio employs an actively managed, multimanager approach, allocating assets among various investment managers and underlying funds. It provides broad exposure across sectors such as technology and financials, with diversification intended to manage risk while delivering steady returns over time. As a post-retirement solution, it aims to balance longevity risk and income needs, evolving to maintain growth potential even after the target retirement date. This makes the fund significant in the target-date fund market as a tool for individuals who seek an integrated, professionally managed strategy for retirement income and capital preservation.
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