1 As of June 2024, the Bureau of Labor Statistics’ Employment Cost Index cited a 4.2% increase in wages and salaries for civilian workers. There was a 4.1% increase within private industry and a 5.1% increase for state and local government over the same 12-month period. Your situation may vary. Source: U.S. Department of Labor 2024. 2 Historical returns have ranged between 3% and 12%. This performance data represents past performance, which does not guarantee future results. Investment returns and principal value will fluctuate, and all funds may experience periods of negative performance. Note: Your situation may vary. Source: Ibbotson® SBBI® 1926-2023

This calculator is based on information and assumptions provided by you regarding your goals, expectations, and financial situation. The calculations do not infer that the company assumes any fiduciary duties. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy.

This calculator is a hypothetical mathematical illustration only. Figures are based on assumptions as set out, and individual circumstances may vary. There is no guarantee that the results shown will be achieved or maintained over any time period. It assumes no withdrawals and does not take into account fees associated with investment. It does not represent any specific investments or imply any guaranteed rate of return. This calculator is designed to be an informational and educational tool only, and does not constitute advice. John Hancock and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by this tool. John Hancock is not responsible for any human or mechanical errors or omissions. John Hancock will not be liable for any damages arising from the use or misuse of this calculator or from any errors or omission in the same. We strongly recommend that you seek the advice of a financial services professional before making any type of decision.