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Important Disclosures from J.P. Morgan
You could lose money by investing in the JPMorgan US Government Money Market Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Plan sponsors should reference JPMIH’s 408b2 services and fee disclosure notice for more complete information, which is available on the plan sponsor portal for your plan. Additional fee information is available for participants on your plan’s Everyday 401(k) website or, if you are unable to access the website, from your employer or by calling 855-200-1230. The TTY is 711 followed by 855-200-1230.
This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for investment, accounting, legal or tax advice. It is educational in nature and not designed to be recommendation for any specific investment product, strategy, plan feature or other purposes. The information is shown for illustrative purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security.
JPMorgan Invest Holdings LLC and its affiliates and agents may receive compensation with respect to plan investments, including, but not limited to, sub-transfer agent, recordkeeping, shareholder servicing, 12b-1 or other revenue-sharing fees.
Neither JPMorgan Invest Holdings LLC nor any of its affiliates is acting as an investment advisor for the plan. The information, analyses and fund alternatives described in this material are intended to provide assistance to the plan sponsor or other fiduciary responsible for plan investments and should not be relied upon as the sole basis for any investment decision. J.P. Morgan Chase & Co. and its affiliates receive compensation with respect to proprietary investments and may receive compensation with respect to other plan investments. Other share classes may be available for the investment products described, and the plan sponsor is welcome to request more information on the options available.
Certain recordkeeping and related services for plans may be provided on behalf of JPMorgan Invest Holdings LLC (J.P. Morgan) by DST Retirement Solutions, LLC, a wholly owned subsidiary of SS&C Technology Holdings, Inc., neither of which are affiliated with J.P. Morgan.
Plan sponsors should reference J.P. Morgan’s ERISA Section 408(b)(2) services and fee disclosure notice for more complete information, which is available on the plan sponsor portal for your plan. Additional fee information is available for participants on your plan’s Everyday 401(k) website or, if you are unable to access the website, from your employer or by calling 855-200-1230. The TTY is 711 followed by 855-200-1230.
J.P. Morgan Asset Management is the brand name for the asset management business of JPMorgan Chase & Co and its affiliates worldwide.
Investments in the funds are not deposits of, or guaranteed or endorsed by J.P. Morgan Chase. The shares are not insured by the FDIC, Federal Reserve Board or any other government agency. Investments in funds involve risk, including possible loss of the principal amount invested. Returns and share prices will fluctuate, and redemption value may be more or less than original cost.
J.P. Morgan Funds are distributed by JPMorgan Distribution Services, Inc., which is an affiliate of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co. receive fees for providing various services to the funds. JPMorgan Distribution Services, Inc. is a member of FINRA.
The 3(38) Fiduciary Partnership Service is provided by Mesirow and available through Everyday 401(k) by J.P. Morgan (“J.P. Morgan”). Mesirow acts as a fiduciary under ERISA Section 3(38) with respect to the services described in the Investment Manager Agreement but is not acting in the capacity of adviser to individual investors. Mesirow is not affiliated with J.P. Morgan or its subsidiaries and affiliates. Mesirow refers to Mesirow Financial Holdings, Inc. and its divisions, subsidiaries and affiliates. Advisory services are offered through Mesirow Financial Investment Management, Inc., an SEC-registered investment advisor. The Mesirow name and logo are registered service marks of Mesirow Financial Holdings, Inc., © 2020. All rights reserved.
Expense ratios provided are the funds’ total annual operating expense ratios, gross of any fee waivers or expense reimbursement.
The gross expense ratio of the fund includes the estimated fees and expenses of the underlying funds. The net expense ratio is the expense ratio after the application of any waivers or reimbursement. Please note the expenses take into consideration a voluntary or contractual waiver that expires as disclosed by the fund prospectus.
Investment options may have a redemption fee. A redemption fee is generally assessed when an investor sells shares of the fund prior to the expiration of a specific holding period. The fund’s prospectus includes additional information relating to the redemption fee.
Investment Option Risk Disclosures:
Target date funds are funds with the target date being the approximate date when investors plan to start withdrawing their money. 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.
Certain underlying funds of the target date funds may have unique risks associated with investments in foreign/emerging market securities, and/or fixed income instruments.
Bond funds have the same interest rate, inflation and credit risks that are associated with the underlying investments owned by the fund. Interest rate risk means that as interest rates rise, the prices of bonds will generally fall, and vice versa. Inflation risk is the risk that the rate of return on an investment may not outpace the rate of inflation. Credit risk is the risk that issuers and counterparties will not make payments on securities and investments held by the fund.
Certain underlying funds invest in inflation protected bonds (“TIPS”). Unlike conventional bonds, the principal or interest of TIPS is adjusted periodically to a specified rate of inflation (e.g., Consumer Price Index for all Urban Consumers [CPI-U]). There can be no assurance that the inflation index used will accurately measure the actual rate of inflation.
Securities rated below investment grade are considered "high-yield," "non-investment grade," "below investment-grade," or "junk bonds." They generally are rated in the fifth or lower rating categories of Standard & Poor's and Moody's Investors Service. Although they can provide higher yields than higher rated securities, they can carry greater risk.
The prices of equity securities are sensitive to a wide range of factors, from economic to company-specific news, and can fluctuate rapidly and unpredictably, causing an investment to decrease in value.
There is no guarantee that companies that can issue dividends will declare, continue to pay, or increase dividends.
Small- and mid-capitalization funds typically carry more risk than stock funds investing in well-established “blue-chip” companies because smaller companies generally have a higher risk of failure. Historically, smaller companies’ stock has experienced a greater degree of market volatility than the average stock.
Real Estate Investment Trust (REIT) funds may be subject to a higher degree of market risk because of concentration in a specific industry, sector or geographic sector. REIT funds may be subject to risks including, but not limited to, declines in the value of real estate, risks related to general and economic conditions, changes in the value for the underlying property owned by the trust and defaults by borrowers.
Real estate funds may be subject to a higher degree of market risk because of concentration in a specific industry, sector or geographical sector, including but not limited to, declines in the value of real estate, risks related to general and economic conditions, changes in the value of the underlying property owned by the trust and defaults by the borrower.
Funds may invest in futures contracts and other derivatives. This may make the fund more volatile.
Investments in a single industry and/or in a smaller number of issuers or industries do not represent a complete investment program. The value of the shares in such a portfolio may fluctuate more than the shares invested in a broader range of industries and companies. Changes in the value of a single security or the impact of a single economic, political or regulatory occurrence may have a significant impact on the portfolio.
International investing bears greater risk due to social, economic, regulatory and political instability in countries in "emerging markets." This makes emerging market securities more volatile and less liquid developed market securities. Changes in exchange rates and differences in accounting and taxation policies outside the U.S. can also affect returns.
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