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?
Each SmartRetirement Fund consists of many different investments, primarily stocks and bonds, to help you ride out market swings.
Over the years, SmartRetirement gradually shifts its focus from stocks to bonds, becoming more conservative as you approach your target date.
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.
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.
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.
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.