JHF II Disciplined Value Emerging Markets Equity Fund - Class I · NASDAQ:JEVIX
JHF II Disciplined Value Emerging Markets Equity Fund - Class I — John Hancock Investment Management — Investor Presentation (2025)
31 slides from JHF II Disciplined Value Emerging Markets Equity Fund - Class I's investor presentation, 2025
Slide 1: 10 myths about college savings plans
10 myths about college savings plans
Slide 2: Why is college so important?
Why is college so important? College graduates versus non-college graduates 1 2 3 4 Are Have Make more Experience generally more job money— less healthier¹ opportunities 72% more¹ unemployment¹ 1 Most recent data available: The Benefits of Higher Education for Individuals and Society, College Board.
Slide 3: Who cares about being able to afford college?
Who cares about being able to afford college? The middle class is worried 70% of families said they’re concerned about having enough money to pay for college¹ 82% of parents said it’s extremely or very necessary for their child to receive aid² 1 “Parent Survey 2025,” Discover, September 2025. 2 “202
Slide 4: Ready? Test your knowledge of plans
Test your knowledge of 529 plans Learn some of the most common 529 myths and mistakes Score yourself as we go along Ready? 4
Slide 5: Myth one: savings plan only for in-state school
ONE A 529 savings plan can only be used to save for an in-state school 529 savings plan money can be used in any state, for any qualified expense • College tuition and fees • Room and board • Books False True OR False • Computers and other supplies • Required equipment • Additional expenses of a spe
Slide 6: Myth one: expenses that are not qualified
ONE A 529 savings plan can only be used to save for an in-state school Watch out for expenses that are not qualified • Insurance, sports, or club fees • Transportation costs • Repayment of student loan amounts over the aggregate lifetime limit of $10,000 False • K through 12 nontuition expenses¹ 1 S
Slide 7: Myth two: stick with your local state plan
TWO You’re better off sticking with your local state plan • Evaluate your state plan first • Tax incentives are just one factor • Check with your financial professional False first on your state tax benefits to know your options. You aren’t required to use True OR False your own state 529 plan. • Sa
Slide 8: Myth three: plans can't be used for adults
THREE 529 plans can’t be used for adults • While 529s can benefit youngsters, they can also be used by adults for post-secondary or graduate school • No age limits to a 529 Retirees can take classes with their grandkids! False True OR False • Unused money is easy to transfer to another beneficiary w
Slide 9: Myth four: plans just for four-year colleges
FOUR 529 plans are just for traditional four-year colleges • Many junior and community colleges, vocational training and apprenticeship programs, and postgraduate programs qualify • Use 529s at any educational institution that meets specific federal accreditation standards False True OR False Most t
Slide 10: Myth five: accounts difficult to open and maintain
FIVE 529 accounts are difficult to open and maintain By using the assistance of a financial professional, you may benefit from: • Help with allocations, setting goals, and investment selection • Help with selecting investment False True OR False options, including those that are tailored to specific
Slide 11: Myth six: high income earners can't contribute
SIX High income earners can’t contribute to a 529 • There are NO income limits on 529s • Everyone is eligible, no matter their income, deductions, tax brackets, or tax credits • Useful for estate planning False True OR False 11
Slide 12: Consider maximum funding
Consider maximum funding Maximum contribution to a 529 education savings plan varies by plan This maximizes Consider Individuals the educational gifting the first can maximize legacy for the $190,000 with the current beneficiary while the five-year $15,000,000 still retaining accelerated lifetime gi
Slide 13: The power of gifting
The power of gifting Susan and Howard Grandparents Adam and Melanie Jennifer and Tim Parents Parents Jordan Lisa Drew Mike Tracy $190K $190K $190K $190K $190K $190K $190K $190K $190K $190K Grandparents removed $950,000 from their estate and, as the account holders, maintain control Parents removed $
Slide 14: Accelerated gifting example
Accelerated gifting example $76,000 Year 1 Year 2 Year 3 Year 4 Year 5 $13,200 $13,200 $13,200 $13,200 $13,200 $5,800 $5,800 $5,800 $5,800 $19,000 $19,000 $19,000 $19,000 Hypothetical example is for illustrative purposes only. Not indicative of any portfolio. 14
Slide 15: Use 529 plans in trusts
Use 529 plans in trusts Do you have a funded trust that provides educational support to your beneficiaries? • Irrevocable trusts are subject to a very compressed income-tax bracket • In 2026, trust income in excess of $15,650 is subject to a 37% tax • Any earnings that accumulate in a 529 plan will
Slide 16: The wait-and-see trust
The wait-and-see trust Five-year front-loading • Considered a completed, present interest gift • Five years’ worth of gifting in one year Allows up to $95,000 if single, $190,000 if married, to be gifted¹ • Gift is immediately removed from the donor’s estate but can be accessed by the account holder
Slide 17: Myth seven: you'll lose savings if child skips college
SEVEN You’ll lose your savings if your child doesn’t go to college • Assets can be transferred―to yourself or to any family member of the beneficiary • There’s generally no tax or penalty on withdrawals from principal • Distributions are taken pro rata False True OR False • Taxes (at ordinary income
Slide 18: Myth eight: anyone can contribute
EIGHT Anyone can contribute to a 529 • Parents • Grandparents • Aunts • Uncles True True OR False • Cousins • Neighbors • Strangers (if they wanted to) 18
Slide 19: Myth nine: savings reduce financial aid eligibility
NINE Savings in a 529 plan dramatically reduce financial aid eligibility Assets are considered the account holder’s; therefore, they may have much less of an impact on financial aid Expected Expected STUDENT FAMILY contribution contribution 50% of student’s income 22%–47% of parents’ income False Tr
Slide 20: What's a great way to save for college? A 529 plan
NINE Savings in a 529 plan dramatically reduce financial aid eligibility What’s a GREAT way to save for college? A 529 plan • Other college savings vehicles • Coverdell ESAs • Life insurance False • Annuities • IRAs • Roth IRAs 20
Slide 21: Other college savings vehicles: life insurance
Other college savings vehicles 529 versus life insurance 529 savings plan Life insurance Tax-free withdrawals for college Yes¹ No Loans available No Yes² Considered an asset for FAFSA Yes No Withdrawals/loans count as Maybe withdrawals⁴; No, if qualified³ income for FAFSA no loans May require additi
Slide 22: Other college savings vehicles: annuity
Other college savings vehicles 529 versus annuity 529 savings plan Annuity Tax-free withdrawals for college Yes¹ No Loans available No No Considered an asset for FAFSA Yes No Withdrawals/loans count as No, if qualified² Yes, if taxable income for FAFSA May require additional premiums No No Five-year
Slide 23: Other college savings vehicles: Roth IRA
Other college savings vehicles 529 versus Roth IRA 529 savings plan Roth IRA Tax-free withdrawals for college Yes¹ Sometimes² Loans available No No Considered an asset for FAFSA Yes No Withdrawals/loans count as No, if qualified³ Yes, if taxable income for FAFSA May require additional premiums No No
Slide 24: Myth ten: full scholarship means a penalty
TEN If your child wins a full scholarship, you’ll pay a penalty on withdrawals from 529 savings plan assets • Savings can be transferred to another family member, or yourself, without penalty • There’s generally no tax or penalty on withdrawals Mostly True OR False from principal false • You can wit
Slide 25: Myth ten: how likely is a full scholarship?
TEN If your child wins a full scholarship, you’ll pay a penalty on withdrawals from 529 savings plan assets How likely is a full scholarship for a child? If a full scholarship does happen, 529 education savings plans assets can be: • Used for educational expenses not Mostly false covered by the scho
Slide 26: Congratulations! John Hancock Freedom 529 can help
Get extra credit How did you do? Congratulations! Need some tutoring? John Hancock Freedom 529 can help jhinvestments.com/529 26
Slide 27: Get started
Get started Think about An education Don’t wait your concerns is one of their to have the for your children most pressing conversation emotional and with your financial needs financial professional 27
Slide 28: Questions?
Questions? Contact John Hancock Investment Management Visit us at jhinvestments.com/529 or call us at 866-626-8529. 28
Slide 29: Investor considerations
Investor considerations This material does not constitute tax, legal or accounting advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. It was not intended or written for use and cannot be used by any taxpayer for
Slide 30: Disclosure
Disclosure If your state or your designated beneficiary’s state offers a 529 plan, you may want to consider what, if any, potential state income-tax or other state benefits it offers, such as financial aid, scholarship funds, and protection from creditors, before investing. State tax or other benefi
Slide 31: Manulife John Hancock Investments
I) Manulife | > Hancock. Investments
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