Presenter’s Name TITLE PLACEHOLDERFirm

2

Three things to know about asset allocation

Different assets play different roles

Markets are unpredictable

The mix matters

3

Different assets play different roles

Stocks for building wealth Bonds for income Cash for emergency reserves Alternatives for risk management

4

Markets are unpredictable: stay diversified

There is no telling which asset class will be the best performer

Annual returns of asset class categories

Source: Morningstar, as of 12/31/14. It is not possible to invest directly in an index. Performance figures assume reinvestment of dividends and capital gains. This chart is for illustrative purposes only and does not represent the performance of any John Hancock fund. Past performance does not guarantee future results. Diversification does not guarantee investment returns and does not eliminate the risk of loss.

Those who stayed invested in a diversified portfolio throughout the last decade fared well, despite volatility along the way.

Growth of $10,000for diversified portfolio

Source: John Hancock Investments, as of 12/31/14.

2003

2005

2007

2009

2011

2014

$10K

$19K

5

The mix matters

Asset allocation decision dominates portfolio returns

Influential study revealed mix of asset classes explains more than 90% of the variation in portfolio returns (Brinson, Singer, and Beebower, 1991)

6

The investment universe is expanding

Source: Morningstar, as of 12/31/14. Static categories, those currently without description and without funds, are omitted from this figure.

7

A leader in multi-asset portfolios

A pioneer in manager-of-managers approach to asset allocation since 1995 Heritage of innovation, embracing alternative investments since 1997

Source: John Hancock Investments, as of 12/31/14. Please see slide 15 for risk information.

8

Asset allocation portfolios represent nearly half of our business today

Source: John Hancock Investments, as of 12/31/14.

9

A better way to invest

Over 165 professionals dedicated to investment manager research and oversight

Over 250 meetings each year to identify proven managers More than 100 in-person oversight meetings with managers annually

Representative list of asset managers as of 12/31/14. All logos are the property of their respective owners.

Our asset allocation portfolios bring together some of the best investment teams from around the world

10

Our philosophy: a deeper level of diversification

OversightMonitoring each portfolio team for the repeatability of its investment process and management of risk

Multiple asset classesBoth within and beyond traditional equity and fixed income

Multiple stylesContinual exposure to a variety of strategies, as different characteristics go in and out of favor

Multiple managersA diversity of approaches from some of the world’s best managers

Representative U.S. large-cap equity portion of John Hancock Lifestyle Balanced Portfolio

Source: John Hancock Investments, as of 12/31/14. Diversification does not guarantee investment returns and does not eliminate the risk of loss.

11

A time-tested process

Review, monitor, adjust, and repeat• Manage asset mix actively to exploit short-term market dislocations• Introduce asset classes, strategies, and managers as new opportunities surface• Eliminate positions and managers as valuations wax and conviction wanes• Revisit long-term strategic asset allocation

Develop global market outlook• Examine core asset markets and beyond, including alternative investment strategies and

targeted regional and sector exposures• Analyze macroeconomic and fundamental factors• Forecast expected returns to identify the best market opportunities

Select asset classes and strategies• Tailor search criteria so each underlying investment serves a specific purpose• Craft an asset roster, contingent upon expected returns, risks, and correlations• Design a multimanager approach, searching worldwide for required expertise

Build portfolios• Optimize asset, strategy, and manager mix with proprietary methodology• Allocate capital to funds, aiming to maximize return per unit of risk• Create an enduring portfolio of funds implementing the desired long-run asset mix

12

Inside John Hancock Lifestyle Portfolios

Source: John Hancock Investments, as of 12/31/14. Allocations less than 5% are not labeled within the charts.

13

Lifestyle Portfolios’ results over time

Average annual total returns through 12/31/14 (%)

QTD 1 year 3 year 5 year Life of fundJohn Hancock Lifestyle Conservative Portfolio (JALRX)Managed by John Hancock Asset Management 10/18/05

Class A (without sales charge) 0.11 3.44 6.00 6.12 5.29Class A (with 5% maximum sales charge) –4.88 –1.74 4.22 5.04 4.71Gross expense ratio: 1.27% Net expense ratio (what you pay): 1.22%Share classes: A: JALRX C: JCLCX R1: JPLCX R2: JQLCX R3: JRLCX R4: JSLCX R5: JTLRX R6: JULCXJohn Hancock Lifestyle Moderate Portfolio (JALMX)Managed by John Hancock Asset Management 10/18/05

Class A (without sales charge) 0.29 3.63 8.48 7.54 5.67Class A (with 5% maximum sales charge) –4.74 –1.54 6.63 6.44 5.09Gross expense ratio: 1.29% Net expense ratio (what you pay): 1.25%Share classes: A: JALMX C: JCLMX R1: JPLMX R2: JQLMX R3: JRLMX R4: JSLMX R5: JTLMX R6: JULMXJohn Hancock Lifestyle Balanced Portfolio (JALBX)Managed by John Hancock Asset Management 10/18/05

Class A (without sales charge) 0.68 4.00 11.00 8.54 5.90Class A (with 5% maximum sales charge) –4.36 –1.21 9.11 7.44 5.32Gross expense ratio: 1.35% Net expense ratio (what you pay): 1.31%Share classes: A: JALBX C: JCLBX R1: JPLBX R2: JQLBX R3: JRLBX R4: JSLBX R5: JTSBX R6: JULBXJohn Hancock Lifestyle Growth Portfolio (JALGX)Managed by John Hancock Asset Management 10/18/05

Class A (without sales charge) 1.15 4.48 13.54 9.73 6.06Class A (with 5% maximum sales charge) –3.88 –0.76 11.61 8.60 5.48Gross expense ratio: 1.39% Net expense ratio (what you pay): 1.35% Share classes: A: JALGX C: JCLGX R1: JPLGX R2: JQLGX R3: JRLGX R4: JSLGX R5: JTLGX R6: JULGX

“Net expense ratio (what you pay)” represents the effect of a contractual fee waiver and/or expense reimbursement through 4/30/15, and is subject to change.

For performance data current to the most recent month end, contact your financial professional or call John Hancock Investments at 800-225-5291. The performance data contained within this material represents past performance, which does not guarantee future results. The return and principal value of an investment will fluctuate, so that shares, when redeemed, may be worth more or less than the original cost. The fund’s current performance may be higher or lower and is subject to substantial changes

14

Lifestyle Portfolios’ results over time

Average annual total returns through 12/31/14 (%)

QTD 1 year 3 year 5 year Life of fundJohn Hancock Lifestyle Aggressive Portfolio (JALAX)Managed by John Hancock Asset Management 10/18/05

Class A (without sales charge) 1.28 4.39 14.97 10.28 5.86Class A (with 5% maximum sales charge) –3.76 –0.84 13.04 9.15 5.27Gross expense ratio: 1.44% Net expense ratio (what you pay): 1.39%Share classes: A: JALAX C: JCLAX R1: JPLAX R2: JQLAX R3: JRLAX R4: JSLAX R5: JTLAX R6: JULAX

S&P 500 Index1 4.93 13.69 20.41 15.45 —Barclays U.S. Aggregate Bond Index1 1.79 5.97 2.66 4.45 —

1 The S&P 500 Index tracks the performance of 500 of the largest publicly traded companies in the United States. The Barclays U.S. Aggregate Bond Index tracks the performance of U.S. investment-grade bonds in government, asset-backed, and corporate debt markets. It is not possible to invest directly in an index.

“Net expense ratio (what you pay)” represents the effect of a contractual fee waiver and/or expense reimbursement through 4/30/15, and is subject to change.

For performance data current to the most recent month end, contact your financial professional or call John Hancock Investments at 800-225-5291. The performance data contained within this material represents past performance, which does not guarantee future results. The return and principal value of an investment will fluctuate, so that shares, when redeemed, may be worth more or less than the original cost. The fund’s current performance may be higher or lower and is subject to substantial changes

15

A word about risk

The portfolio’s performance depends on the advisor’s skill in determining asset class allocations, the mix of underlying funds, and the performance of those underlying funds. The portfolio is subject to the same risks as the underlying funds and exchange-traded funds in which it invests: Stocks and bonds can decline due to adverse issuer, market, regulatory, or economic developments; foreign investing, especially in emerging markets, has additional risks, such as currency and market volatility and political and social instability; the securities of small companies are subject to higher volatility than those of larger, more established companies; and high-yield bonds are subject to additional risks, such as increased risk of default. Each portfolio’s name refers to the approximate retirement year of the investors for whom the portfolio’s asset allocation strategy is designed. The portfolios with dates farther off initially allocate more aggressively to stock funds. As a portfolio approaches and passes its target date, the allocation will gradually migrate to more conservative, fixed-income funds. The principal value of each portfolio is not guaranteed, and you could lose money at any time, including at, or after, the target date. Certain market conditions, including reduced trading volume, heightened volatility, and rising interest rates, may impair liquidity, the ability of the fund to sell securities or close derivative positions at advantageous prices. Hedging and other strategic transactions may increase volatility and result in losses if not successful. Please see the portfolio’s prospectus for additional risks.

16

Index definitions

Investment-grade bonds is represented by the Barclays U.S. Aggregate Bond Index, which tracks the performance of U.S. investment-grade bonds in government, asset-backed, and corporate debt markets. High-yield bonds is represented by the Bank of America Merrill Lynch U.S. High Yield Master II Index, which tracks the performance of globally issued, U.S. dollar-denominated high-yield bonds. Cash is represented by the Citigroup 3-Month U.S. Treasury Bill Index, which is a market-value-weighted index that tracks the performance of three-month U.S. Treasury debt. International equity is represented by the MSCI All Country (AC) World ex-USA Index, which tracks the performance of publicly traded large- and mid-cap stocks of companies in developed and emerging markets outside the United States. Total returns are calculated gross of foreign withholding tax on dividends. U.S. small-cap equity is represented by the Russell 2000 Index, which tracks the performance of 2,000 publicly traded small-cap companies in the United States. U.S. large-cap equity is represented by the Russell 1000 Index, which tracks the performance of 1,000 publicly traded large-cap companies in the United States. Alternatives is represented by an equally weighted combination of the HFRI Macro Index, the HFRI Equity Market Neutral Index, the HFRI Merger Arbitrage Index, the Morningstar real estate funds category average, the Morningstar emerging markets bond funds category average, and the Morningstar Long-Only Commodity Index. Diversified portfolio is represented by the average return of the six asset classes in the chart, excluding cash. It does not represent any specific index. Annual returns are based on calendar years. Indexes are unmanaged and do not take transaction costs or fees into consideration. It is not possible to invest directly in an index.

17

Ask your advisor

Ask your financial advisor how our manager-of-managers approach to asset allocation can help you pursue a deeper level of diversification.

A portfolio’s investment objectives, risks, charges, and expenses should be considered carefully before investing. The prospectus contains this and other important information about the portfolio. To obtain a prospectus, contact your financial professional, call John Hancock Investments at 800-225-5291, or visit our website at jhinvestments.com. Please read the prospectus carefully before investing or sending money.

Disclosure

John Hancock Funds, LLC ▪ Member FINRA, SIPC601 Congress Street ▪ Boston, MA 02210-2805 ▪ 800-225-5291 ▪ jhinvestments.comNOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY.

MF217912 PIAABRPPT 3/15