J.P. Morgan Asset Management

  1. JPMorgan SmartRetirement® Passive Blend 2025

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JPMorgan SmartRetirement® Passive Blend 2025
For individuals born between 1959 and 1963

When you select a SmartRetirement Passive Blend Fund, you're automatically invested in more than 20 underlying funds across two asset classes - stocks and bonds. By investing in the fund, a team of more than 100 investment professionals at J.P. Morgan* is responsible for shifting the allocation from stocks to bonds as the fund approaches its target date. This way your fund automatically changes to become more conservative as you approach your target retirement date.

Since each SmartRetirement Passive Blend Fund is dynamically managed for a specific date in the future, you'll want to consider selecting one named for the year closest to when you plan to retire and begin withdrawing from your account.


Select a different Fund

  • JPMorgan SmartRetirement Passive Blend Income
  • JPMorgan SmartRetirement Passive Blend 2025
  • JPMorgan SmartRetirement Passive Blend 2030
  • JPMorgan SmartRetirement Passive Blend 2035
  • JPMorgan SmartRetirement Passive Blend 2040
  • JPMorgan SmartRetirement Passive Blend 2045
  • JPMorgan SmartRetirement Passive Blend 2050
  • JPMorgan SmartRetirement Passive Blend 2055
  • JPMorgan SmartRetirement Passive Blend 2060
  • JPMorgan SmartRetirement Passive Blend 2065

*As of 3/31/2023.

Chart showing the SmartRetirement asset allocation starting from age 20 through age 80. SmartRetirement automatically becomes more conservative as you approach your target date which is shown at age 65.
This fund assumes you plan to retire at age 65. Your plan may not offer all of these funds.

Why SmartRetirement Passive Blend? Hear from investors like you.

Ed Cronin

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[MUSIC PLAYING] I currently pick my own investments, but I'm considering moving my money into a target date fund. I originally chose my investments based on a friend's advice, but I haven't kept up you know on those investments, how they should be allocated appropriately, and so I'm considering moving to a target date fund, knowing that they'll be invested appropriately based on my age and be reallocated periodically as they should be, instead of me just sitting there letting them-- my current investments go with the flow of the market.

The very best thing about being allocated in a target date fund would be that I wouldn't have to worry about how much I should be allocated in this bond versus equities versus cash. They would be doing that for me and considering my age. I wouldn't be overweighted one way or the other in the investments.

I haven't done it yet just because I-- procrastination, and just, oh, I'll get to it, I'll get to. I think about it constantly about I need to reinvest into the target date funds.

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. JP Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase and Company and its affiliates worldwide.

I haven’t kept up on investments

Ed currently does not reallocate his investments, so he likes the idea that his portfolio will be rigorously managed by experts.

Karen Cline

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[MUSIC PLAYING] It seemed easy to me to be invested in a target date fund, because I only had to choose the date that I hope to retire, and then everything was managed for me. I know you're supposed to reallocate every so often, and that happens automatically for me. I'm not overly knowledgeable, but you pick a date when you want to retire, and they put you in diversification-- so you have-- not all your eggs in one basket.

And then they make you less risky as you get closer to your retirement date is the best-- to my understanding. The portfolio managers, I would imagine, are the people who have the expertise and knowledge to help me be properly invested in the appropriate funds, and stocks, or whatever's in there so that I get the end result that I'm hoping for. I don't think anything's guaranteed. I'm sure it goes up and down with the stock markets, like any other investment. It's just that, when it's time to reallocate to a less risky position, I don't have to think about making sure that's getting done.

The best thing about investing in a target date fund for me is that, when I set it up, after that, it's basically effortless and runs itself. So hopefully I'll be getting the end result that will give me the retirement of my dreams. Everything is done automatically. I told them when I want to retire, and they make my adjustments as required without my input.

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. JP Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase and Company and its affiliates worldwide.

It’s effortless and runs itself

Karen appreciates that as she gets closer to her retirement date the fund will adjust automatically for her.

Rita Hogue

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[MUSIC PLAYING] The reason I invested in target date funds-- they were more appealing to me just because they made me feel a little more comfortable, I really don't have the expertise I need to know to track all these funds, and the fact that it takes care of the planning for me. And it just relieved some of my time and my tension about it.

Well, before target date funds, I would get together with my husband at night and go through the different funds and try and figure out what type of investment we wanted. Do we want aggressive? Do we want to be more conservative with our money? How much longer will we be in the market-- the job market? And trying to figure out the diversification-- how much stocks, how much bonds? And target date funds takes care of that for me now.

I think they analyze the funds, I'm hoping, on a daily basis. It's their job. Well, no, when I'm in a target date fund, there's nothing guaranteed. It's a decision you're making, but there's no promises or guarantees at the end of it. To me, the very best thing about having a target date fund is being relaxed enough and not feeling that I have to check on it every three weeks to see how everything's going. I'm just much more comfortable with that.

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. JP Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase and Company and its affiliates worldwide.

There’s nothing guaranteed

For Rita, retirement planning can be stressful especially with the unknown, but knowing her investment is diversified to ride out market swings relives her tension

What's in the 2025 Fund?*

sr-donut-2025-fund

*As of January 31, 2024.

Award-winning funds

SmartRetirement and SmartRetirement Blend rated bronze(1) by MorningstarMorning star Bronze award logo

(1) Morningstar, US Fund Target Date categories. Medalist rating as of 10/03/22; applies to the SmartRetirement and SmartRetirement Blend R6 mutual funds.

Resources

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  • Class CF
  • Class CF-A
  • Class CF-B
  • Class CF-C
  • Class CF-D
  • Class CF-E
  • Class CF-10
  • Class CF-20
  • Class CF-35

At least choosing a retirement fund can be easy.

Brochure: An introduction to SmartRetirement funds and how they work.

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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.

The Commingled Pension trust Fund (JPMCB SmartRetirement Passive Blend) of JPMorgan Chase bank N.A. is a collective trust fund established and maintained by JPMorgan Chase Bank N.A. under a declaration of trust. The fund is not required to file a prospectus or registration statement with the SEC, and accordingly, neither is available, but a copy of the Fund Summary is available from your employer. The fund is available only to certain qualified retirement and government plans and is not offered to the general public. Units of the fund are not bank deposits and are not insured or guaranteed by any bank, government entity, the FDIC or any other type of deposit insurance.

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.

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.

(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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J.P. Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase & Co. and its affiliates worldwide. J.P. Morgan Funds are distributed by JPMorgan Distribution Services, Inc.; member of FINRA. FINRA's BrokerCheck

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