As a target date fund, SmartRetirement can help prepare you for the approximate year you plan to retire. It provides a single place to invest all the assets you have in your employer’s retirement plan.
Planning to retire at 65?
Each SmartRetirement Fund is dynamically managed for a specific retirement target date. Choose your birth year from the menu below to find the fund that most closely aligns with the year you’ll turn 65.
Select your birth year
Planning to retire sooner – or later?
Each SmartRetirement Fund name includes a retirement target date (e.g., SmartRetirement 2050) and is dynamically managed for that specific date. Use the menu below to choose the fund that’s closest to the year you plan to retire.
Select a target date fund
Each SmartRetirement Fund consists of many different investments, primarily stocks and bonds, to help you ride out market swings.
A team of J.P. Morgan investment experts manage your fund, using intelligent investment models that incorporate real investor behavior.
Over the years, SmartRetirement gradually shifts its focus from stocks to bonds, becoming more conservative as you approach your target date.
Ready for retirement spending
Your fund has features to help you manage your spending after you retire, so you can feel confident your money will last.
Alex’s story: Aiming to maximize growth
Situation: While still in the early stages of his career Alex has $20,000 to invest. He understands the benefits of investing now. But with retirement so far off, it’s not his main focus. Alex is:
• Looking for an investment that he can “set and forget”
• Comfortable taking some risks in pursuit of growth
Why SmartRetirement: For a younger investor like Alex, a SmartRetirement portfolio will initially be weighted toward stocks aiming to maximize growth. With a team of investment professionals managing the fund, Alex can feel confident he’s on the right track without being hands-on.
Courtney’s story: Balancing risk and return
Situation: Courtney works full-time. Plus she has three kids. Needless to say, she doesn’t have much time to think about large cap vs. small cap vs. value to invest her $100,000. So, once a year, she looks at her fund choices and takes her best guess. Courtney is:
• Overwhelmed by her investment options
• Looking for an investment that aims for growth without too much risk
Why SmartRetirement: With SmartRetirement, everything is planned out for Courtney. Year after year, her investment allocations will be adjusted based on her target retirement date. Being mid-career, Courtney would have a portfolio with a mix of stocks and bonds that balances risk and return.
Martina’s story: Preserving assets
Situation: With about five years to go until retirement, and $225,000 in assets to invest, Martina doesn’t want to take too many chances with her retirement plan savings, especially in today’s unpredictable economy. Her goal right now is to be smart and responsible with her money. Martina is:
• Concerned about market volatility and global unrest
• Savvy about her personal finances and focused on her future
Why SmartRetirement: Just like Martina herself, a SmartRetirement Fund will be focused on her target retirement date. As she gets closer to it, her investment allocations will gradually become more and more conservative to avoid unnecessary risk.
Jason’s story: Not just investing with confidence, spending with confidence
Situation: Jason and his wife are enjoying retirement, with $300,000 invested, but they’re still mindful of their spending. After all, their money may have to last another 30 years. Right now, they’re considering a 50th anniversary vacation with the kids and grandkids. Jason is:
• Worried a big trip will take too much out of their savings
• Uncertain what the impact will be on their yearly spending
Why SmartRetirement: Jason likes to know how much he can comfortablyspend. With SmartRetirement, all he has to do is check his sample withdrawal amount each year. Even better, he can use our online calculator to see how a big expense (like a trip) will affect his future spending ability, so he can adjust his plans accordingly.
This website was created for informational and educational purposes only. It’s not meant to be a recommendation from J.P. Morgan Asset Management, its affiliates or representatives for any specific investment strategy or specific course of action—or any action at all. Materials like this are part of product marketing efforts and are not impartial. Any examples are just hypothetical illustrations provided to help explain a point. Before you make any investment decisions, contact the professionals, such as your tax advisor, who know your personal financial situation best.
Contact JPMorgan Distribution Services, Inc. at 1-800-480-4111 for a prospectus. Carefully consider the fund’s objectives, risks, charges and expenses before investing. The prospectus contains this and other fund information. Read it carefully before investing.
The JPMorgan SmartRetirement Funds are target date funds with the target date being the approximate date when investors plan to retire. Generally, the asset allocation of each Fund will change on an annual basis with the asset allocation becoming more conservative as the Fund nears the target retirement date. The principal value of the Fund(s) is not guaranteed at any time, including at the target date.
CONFLICTS OF INTEREST – Refer to the Conflicts of Interest section of the Fund’s prospectus
Certain underlying funds of the SmartRetirement Funds may have unique risks associated with investments in foreign/ emerging markets securities and/or fixed income instruments. International investing involves increased risk and volatility due to currency exchange rate changes; political, social or economic instability; and accounting or other financial standard differences.
The strategic asset allocation depicts the funds targeted weights. Actual allocations may differ. We may adjust this amount based on J.P. Morgan’s internal research and market conditions.
Asset allocation strategy for Target Date Funds is designed with two main goals in mind: promoting asset accumulation prior to retirement, which is the Fund’s “Savings Phase,” and supporting investors withdrawing their investment in the Fund throughout retirement, which is the Fund’s “Spending Phase.” Therefore, the asset allocation strategy will change over time, generally becoming more conservative as it approaches the target retirement year and then remaining relatively stable afterwards. The asset allocation strategy during the Savings Phase will generally start with a greater emphasis on global equity investments and gradually shift to more emphasis on global fixed income investments. During the Spending Phase, the Fund will generally have a greater emphasis on global fixed income investments. The Spending Phase of the Fund is designed for investors in retirement who intend to spend down their holdings in the Fund. There is no guarantee that the Fund will provide sufficient retirement income, the sample withdrawal amount for any given year may be zero in order to preserve capital and you may lose money invested in the Fund.
Annual Sample Withdrawal Amount is a generic hypothetical example produced annually by the Fund’s advisor and seeks to estimate a percentage of a shareholder’s investment in the Fund(s) as of the beginning of the year that theoretically could be redeemed by a shareholder during that year while still allowing for redemptions in future years through the maturity date. This amount is as of a specific calculation date that does not consider, nor is it based upon, an investor’s specific circumstances. Because it is assumed that investors will be withdrawing a portion of their investment in the Fund each year during the Spending Phase, the Fund’s assets are expected to decline over time and approach zero in the target maturity year. The Sample Withdrawal Amount will be made available in January each year on the Fund’s website.
(1) Morningstar, US Fund Target Date categories. Medalist rating as of 10/03/22; applies to the SmartRetirement and SmartRetirement Blend R6 mutual funds. The Morningstar Medalist RatingTM is a summary expression of Morningstar’s forwardlooking analysis of investment strategies using a rating scale of Gold, Silver, Bronze, Neutral and Negative. Medalist Ratings indicate which investments Morningstar believes are likely to outperform a relevant index or peer group average on a risk-adjusted basis over time. Products are evaluated on three key pillars (People, Parent, and Process) which, when coupled with fees, forms the basis for Morningstar’s conviction in those products’ investment merits and determines the Medalist Rating assigned. Products are sorted by expected performance into rating groups defined by their Morningstar Category and their active or passive status. Analyst-covered products are assigned the three pillar ratings based on the analyst’s qualitative assessment, subject to the Analyst Rating Committee’s oversight, monitored and reevaluated at least every 14 months. Ratings are assigned monthly for vehicles covered either indirectly by analysts or by algorithm. For more detailed information including methodology, please go to global.morningstar.com/managerdisclosures.
Ratings and rankings should not be used as the sole basis in evaluating an investment product and should not be considered an offer or solicitation to buy or sell the investment product.
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