<PAGE> 1
JOHN HANCOCK MONEY MARKET FUND
SUPPLEMENT TO CLASS A AND CLASS B PROSPECTUS DATED SEPTEMBER 12, 1995
The EXPENSE INFORMATION TABLE is amended as follows:
<TABLE>
<CAPTION>
CLASS A CLASS B
SHARES SHARES
------- -------
<S> <C> <C>
SHAREHOLDER TRANSACTION EXPENSES
Maximum sales charge imposed on purchases (as a percentage of offering price)............. None None
Maximum sales charge imposed on reinvested dividends...................................... None None
Maximum deferred sales charge............................................................. None 5.00%
Redemption fee+........................................................................... None None
Exchange fee.............................................................................. None None
ANNUAL FUND OPERATING EXPENSES (AS A PERCENTAGE OF AVERAGE NET ASSETS)
Management fee (net of reduction)......................................................... 0.40% 0.40%
12b-1 fee (net of reduction)*............................................................. 0.15% 1.00%
Other expenses**.......................................................................... 0.56% 0.56%
Total Fund operating expenses (net of reduction)***....................................... 1.11% 1.96%
</TABLE>
* The amount of the 12b-1 fee used to cover service expenses will be up to
0.15% and 0.25% of the Fund's average net assets attributable to Class A and
Class B shares, respectively, and any remaining portion will be used to
cover distribution expenses.
** Other Expenses include transfer agent, legal, audit, custody and other
expenses.
*** Total Fund operating expenses in the table reflect the current agreement
between the Fund and the Fund's distributor. In the future, the Class A
distribution fee could increase to 0.25%, in which case the total Fund
operating expenses of Class A shares would be 1.31%.
+ Redemption by wire fee (currently $4.00) not included.
<TABLE>
<CAPTION>
EXAMPLE: 1 YEAR 3 YEARS 5 YEARS 10 YEARS
- ------------------------------------------------------------------------- ------- -------- -------- ---------
<S> <C> <C> <C> <C>
You would pay the following expenses for the indicated period of years on
a hypothetical $1,000 investment, assuming 5% annual return:
Class A Shares........................................................... $11 $ 35 $ 61 $ 135
Class B Shares
-- Assuming complete redemption at end of period..................... $70 $ 92 $126 $ 207
-- Assuming no redemption............................................ $20 $ 62 $106 $ 207
</TABLE>
(This example should not be considered a representation of past or future
expenses. Actual expenses may be greater or less than those shown).
The Fund's payment of a distribution fee may result in a long-term shareholder
indirectly paying more than the economic equivalent of the maximum front-end
sales charge permitted under the National Association of Securities Dealers,
Inc.'s Rules of Fair Practice.
The management and 12b-1 fees referred to above are more fully explained in
this Prospectus under the caption "The Fund's Expenses" and in the Statement of
Additional Information under the captions "Investment Advisory and Other
Services" and "Distribution Contracts."
Expenses reflect the reduction of the management fee by the Fund's investment
adviser. The higher fee cannot be reinstated without the Trustees' consent.
Without such a reduction the management fee and total fund operating expenses of
the Class A and Class B shares, respectively, would have been estimated as 0.50%
and 0.50%, and 1.31% and 2.06%.
December 4, 1995
4400S 12/95
