J.P. Morgan Asset Management

At least choosing a retirement fund can be easy.

JPMorgan SmartRetirement® Funds

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.

What makes SmartRetirement so easy?

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Well-diversified

Each SmartRetirement Fund consists of many different investments, primarily stocks and bonds, to help you ride out market swings.


Automatically adjusted

Over the years, SmartRetirement gradually shifts its focus from stocks to bonds, becoming more conservative as you approach your target date.


Professionally managed

More than 75 investment experts manage your fund, using intelligent investment models that incorporate real investor behavior.

Select your birth year to learn about the SmartRetirement Fund that may be right for you.

Before 1954 SmartRetirement Income ›

 

1954–1958 SmartRetirement 2020 ›

 

1959–1963 SmartRetirement 2025 ›

 

1964–1968 SmartRetirement 2030 ›

 

1969–1973 SmartRetirement 2035 ›
1974-1978 SmartRetirement 2040 ›

 

1979–1983 SmartRetirement 2045 ›

 

1984–1988 SmartRetirement 2050 ›

 

1989–1993 SmartRetirement 2055 ›

 

After 1993 SmartRetirement 2060 ›
INVESTING AT 30 INVESTING AT 45 INVESTING AT 60
INVESTING AT 30

Alex’s story: Aiming to maximize growth

Situation: While still in the early stages of his career, Alex 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.

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INVESTING AT 45

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. 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.

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INVESTING AT 60

Martina’s story: Preserving assets

Situation: With about five years to go until retirement, 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.

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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 affliates 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.

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For more complete information or for a fund prospectus, please call 800-480-4111. Investors should carefully consider the investment objectives, risks, charges and expenses of the funds before investing. Please carefully read the prospectus, which contains this and other important information, before you invest or send money.

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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.

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The gross expense ratio of the fund includes the estimated fees and expenses of the underlying funds. There may be additional fees associated with investing in a Fund of Funds strategy.

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CONFLICTS OF INTEREST: Refer to the Conflicts of Interest section of the Fund’s Prospectus.

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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 standards differences.

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Fixed income securities generally decline in price when interest rates rise.

 

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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, risk related to general and economic conditions, changes in the value of the underlying property owned by the trust and defaults by the borrower.

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The fund may invest in futures contracts and other derivatives. This may make the fund more volatile.

 

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There is no guarantee that companies that can issue dividends will declare, continue to pay or increase dividends. Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results.

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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.

 

The Morningstar Rating,TM for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10- year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods. Rankings do not take sales loads into account.

Some of Morningstar's proprietary calculations, including the Morningstar RatingTM, are not customarily calculated based on adjusted historical returns. However, for new share classes/channels, Morningstar may calculate an extended performance Morningstar Rating. The extended performance is calculated by adjusting the historical total returns of the oldest share class of a fund to reflect the fee structure of the younger share class/channel, attaching this data to the younger share class' performance record, and then compounding the adjusted plus actual monthly returns into the extended performance Morningstar Risk-Adjusted Return for the three-, five-, and 10-year time periods. The Morningstar Risk-Adjusted Returns are used to determine the extended performance Morningstar Rating. The extended performance Morningstar Rating for this fund does not affect the retail fund data published by Morningstar, as the bell curve distribution on which the ratings are based includes only funds with actual returns. The Overall Morningstar Rating for multi-share funds is based on actual performance only or extended performance only. Once the share class turns three years old, the Overall Morningstar Rating will be based on actual ratings only. The Overall Morningstar Rating for multi-share variable annuities is based on a weighted average of any ratings that are available.

While the inclusion of pre-inception data, in the form of extended performance, can provide valuable insight into the probable long-term behavior of newer share classes of a fund, investors should be aware that an adjusted historical return can only provide an approximation of that behavior. For example, the fee structures of a retail share class will vary from that of an institutional share class, as retail shares tend to have higher operating expenses and sales charges. These adjusted historical returns are not actual returns. The underlying investments in the share classes used to calculate the pre-performance string will likely vary from the underlying investments held in the fund after inception. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself.

The Morningstar Analyst RatingTM is not a credit or risk rating. It is a subjective evaluation performed by various Morningstar, Inc. subsidiaries (“Manager Research Group”) which, in the U.S., is Morningstar Research Services LLC, registered with and governed by the U.S. Securities and Exchange Commission. Funds are evaluated based on five key pillars – process, performance, people, parent and price – to determine how they may likely perform relative to a benchmark over the long term on a risk-adjusted basis. The Analyst Rating scale is Gold, Silver, Bronze, Neutral, Negative. A rating of Gold, Silver or Bronze reflects the expectation of a fund's prospects for outperformance. The expectations and methodologies differ between active and passive funds. Analyst Ratings ultimately reflect the Manager Research Group’s overall assessment, are overseen by an Analyst Rating Committee, and are continuously monitored and reevaluated at least every 14 months. For more details about Morningstar’s Analyst Rating, including its methodology, go to https://shareholders.morningstar.com/investor-relations/governance/Compliance--Disclosure/default.aspx.

The Morningstar Analyst Rating should not be used as the sole basis in evaluating a fund, involves unknown risks and uncertainties which may cause the Manager Research Group’s expectations not to occur or to differ significantly from what they expected, and should not be considered an offer or solicitation to buy or sell the fund.

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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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