SmartRetirement® Target Date Funds
Our focus is retirement outcomes.
At J.P. Morgan, the focus of our SmartRetirement® Target Date strategies is on retirement outcomes. Our aim is to help participants attain the income-replacement levels they need to enjoy comfortable post-employment lifestyles. We seek to achieve these outcomes with performance through and across market cycles.
Who we are
J.P. Morgan SmartRetirement funds are managed by the firm's Multi-Asset Solutions Group, a global team of 100+ investment professionals located in London, New York and Hong Kong. Leveraging the depth of J.P. Morgan, Multi-Asset Solutions has access to over 250 investment strategies, as well as proprietary insights into asset allocation, investment selection and risk management.
We offer active and passive blend strategies to individuals and institutions. Custom glide path solutions with various levels of customization are also available for plans that meet specific criteria.
TARGET DATE FUNDS. 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.
RISKS ASSOCIATED WITH INVESTING IN THE FUNDS. Certain underlying J.P. Morgan Funds may invest in foreign/emerging market securities, small capitalization securities and/or high-yield fixed income instruments. There may be unique risks associated with investing in these types of securities. International investing involves increased risk and volatility due to possibilities of currency exchange rate volatility, political, social or economic instability, foreign taxation and differences in auditing and other financial standards. The Fund may invest a portion of its securities in small-cap stocks. Small-capitalization funds typically carry more risk than stock funds investing in well-established "blue-chip" companies since 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. Securities rated below investment grade are called "high yield bonds," "non-investment grade bonds," "below investment-grade bonds," or "junk bonds." They generally are rated in the fifth or lower rating categories of Standard & Poor's and Moody's Investor Service. Although these securities tend to provide higher yields than higher rated securities, there is a greater risk that the Fund's share price will decline. Real estate funds may be subject to a higher degree of market risk because of concentration in a specific industry, sector or geographical sector. Real estate 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 of the underlying property owned by the trust and defaults by borrower.
There may be additional fees or expenses associated with investing in a Fund of Funds strategy.
Three key truths to help our clients achieve their goals
1. People cannot be overlooked
2. Not all glide paths are created equal
3. Delivering resources
Balancing return and volatility within the asset allocation path
GROW (up to age 40)
- Focus on allocating a high percentage to equities to grow assets
BALANCE (Ages 40-65)
- Balance risks people are exposed to as they age and behaviors and goals change
PRESERVE (Age 65 or older)
- Preserve assets and deliver over inflation