Your retirement savings deserve a place that fits your needs
Our IRAs can help you roll over¹ and manage your retirement savings so you can make decisions with confidence.
What’s an IRA?
An IRA is an individual retirement account that’s separate from your employer plan. It can be a great way to help build your retirement savings.
Traditional IRA
Your contributions may be tax-deductible and your money can grow tax deferred.
Roth IRA
You contribute after-tax dollars and your qualified withdrawals in retirement are tax-free.2
Funding an IRA
You can open either type online or by rolling over pretax or after-tax savings from a retirement plan.
How we can help you prepare for retirement
Leaving a job or retiring? If you have a Manulife John Hancock plan, our retirement consultants can help explain your options, including rolling over to an IRA.¹
A John Hancock Investments IRA gives you access to over 80 mutual funds. An IRA may offer tax-deferred growth and helps you save in an account that's not tied to an employer.³
Our IRA customers get exclusive access to health and wellness resources – from cancer screening discounts to fitness and nutrition tools. How ready are you for a longer life? Take our free quiz, created with the MIT AgeLab, to get your Longevity Preparedness Score.⁴
Stay on track for retirement
Don't let an unexpected bill derail your retirement. Building an emergency fund can help you avoid dipping into your retirement savings. Experts recommend saving three to six months of living expenses for the unexpected.
If you have a John Hancock Investments IRA, you can add our FDIC-insured emergency savings account and manage both together with a single login. Don't have an IRA with us? You can still open a John Hancock emergency savings account online in minutes.
If you have a John Hancock Investments IRA, you can add our FDIC-insured emergency savings account and manage both together with a single login. Don't have an IRA with us? You can still open a John Hancock emergency savings account online in minutes.
You’re in the right place
1 As other options are available, you are encouraged to review whether consolidating accounts, staying in a retirement plan, rolling over into an IRA or another retirement plan, or another option is best, as there are advantages and disadvantages to each.
2 Distributions from Roth accounts must be “qualified” for both the contributions and earnings to be treated as tax free. Certain conditions would apply. See your plan document for more details. All references to tax-free treatment of qualified distributions are intended to refer to the treatment of such distributions at the federal level only. You may want to consult a professional tax advisor regarding any tax issues discussed.
3 John Hancock IRA: Clients should carefully consider a fund’s investment objectives, risks, charges, and expenses before investing. To request a prospectus or summary prospectus with this and other important information, visit us at jhinvestments.com. Mutual funds are distributed by John Hancock Investment Management Distributors LLC, member FINRA, SIPC. There is no guarantee that any investment strategy will achieve its objectives.
4 This material is not an endorsement of any particular product, service or organization; nor is it intended to provide financial, investment, insurance, or health advice. It is intended to promote awareness and is for educational purposes only. This material and your Longevity Preparedness Index Score are provided solely for informational and educational purposes. Results are general in nature and do not account for your specific financial, health, or personal circumstances. You should not solely rely on score results when making decisions regarding future preparations and should independently evaluate your options and circumstances before taking any action. Manulife John Hancock and the MIT Age Lab are not affiliated with one another, and neither are responsible for the liabilities of the other.
In this document, all tax disclosures regarding Roth 401(k) contributions are limited to the federal income-tax code and, in particular, all references to tax-free treatment of qualified distributions are intended to refer to the treatment of such distributions at the federal level only.
John Hancock Investment Management Distributors LLC is the principal underwriter and wholesale distribution brokerdealer for the John Hancock mutual funds, member FINRA, SIPC.
Emergency Savings is a product offered by John Hancock Personal Financial Services LLC, an SEC investment adviser registered under the Investment Advisers Act of 1940. The assets in Emergency Savings accounts are swept into interest-bearing FDIC- insured deposit accounts as described below.
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