John Hancock is intentionally covering the truth that they're getting exhorbant costs by increasing their share costs whenever you purchase their resources. You've to see the fine-print within their 30 paid Prospectus. None of the marketing shows their costs and since costs of stocks adjust everyday, they rely on that reality to maintain traders at nighttime.
Do Not get John Hancock items, if they're prepared to cheat their very own customers, how will you make sure when they can pay down on the Insurance promisses decades in the future?
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