J.P. Morgan Asset Management

Terms of Use

The website

This website is maintained by J.P. Morgan Chase Bank, National Association and its affiliates (collectively, "J.P. Morgan Chase") at www.jpmorgansmartretirement.com (the "J.P. Morgan Asset Management Web site"). The J.P. Morgan Asset Management ("JPMAM") Web site contains a portion that provides account specific information and is accessible only through the use of a password (the "JPMAM Information Web site").

Date of Publication

Materials posted on the J.P. Morgan Asset Management Web site are published as of their stated date or, if no date is stated, the date of first posting. Neither J.P. Morgan nor any other party has undertaken any duty to update any such information.

Sponsors of the J.P. Morgan Asset Management web site

J.P. Morgan Asset Management, a business unit of J.P. Morgan Chase Bank, National Association, has prepared the materials posted on the J.P. Morgan Asset Management Web site.

The securities and other investment products referred to in the J.P. Morgan Asset Management Web site are not bank deposits and are not FDIC insured, nor are they obligations of or guaranteed by J.P. Morgan Chase Bank, National Association or any of its affiliates. These products involve investment risks, including the possible loss of the principal amount invested.

Disclaimers

Information herein has been obtained from sources believed to be reliable, but we do not warrant its accuracy. Such information may be incomplete or condensed. The value of the securities or financial instruments mentioned herein (including the income derived there from) may be adversely affected by changes in market prices and exchange rates, the imposition of taxes and other factors. Prices, opinions and estimates reflect our judgment on the date of original publication and are subject to change at any time without notice. Information concerning past performance is not necessarily a guide to future performance.

No Offer

Unless otherwise expressly stated, the materials and information posted here are presented for informational purposes only, and are not an offer or solicitation for the purchase of J.P. Morgan Chase Bank, National Association or sale of any securities or financial instruments or to provide any investment service or investment advice. Securities offered outside the U.S. in reliance on Regulation S of the Securities and Exchange Commission are not offered or available to U.S. persons.

Suitability

Securities or financial instruments mentioned herein may not be suitable for all investors. The recipient of this report must make its own independent decisions regarding any securities or financial instruments mentioned herein. Any reliance you may place on the accuracy of this information or the validity of our opinion is at your own risk.

J.P. Morgan Chase Bank, National Association Positions

We or a company or person connected or associated with us may be an underwriter or distributor of, or a marketmaker or otherwise hold a long or short position as a principal in, a security or financial instrument (or in options, futures or other derivative instruments thereon) which has been discussed herein or issued by an issuer, or an issuer in an industry or market segment, discussed in the J.P. Morgan Asset Management Web site. We may also act as advisor or lender to an issuer or participate on a creditors' committee relating to the restructuring of an issuer mentioned herein. In addition, our employees may have positions or effect transactions in securities or financial instruments mentioned herein (or options with respect thereto) or serve as directors of issuers mentioned herein.

International Considerations
United States

J.P. Morgan Asset Management Web site (www.jpmorgansmartretirement.com) accepts responsibility for the contents of the website in the United States. Authorization to access the Web site may be obtained by clients.

Copyright Notices

The works of authorship contained in the J.P. Morgan Asset Management Web site, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by J.P. Morgan Chase Bank, National Association or one of its subsidiaries. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without J. P. Morgan Chase's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. 7), as amended, and then, only with notices of J. P. Morgan Chase`s proprietary rights.

Trademark Notices

J.P. Morgan Chase Bank, National Association and the "Chase Octagon Symbol" are registered trademarks of J.P. Morgan Chase Bank, National Association. Other featured words or symbols, used to identify the source of goods and services, are the trademarks of their respective owners.

Web Content and Materials

The information and materials posted on the J.P. Morgan Asset Management Web site - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final J.P. Morgan Chase Bank, National Association determination and acceptance.

J.P. Morgan Chase Bank, National Association OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME. J. P. MORGAN CHASE RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEB OFFERINGS WITHOUT PRIOR NOTICE TO THE USER.

Links to Other Sites

Links to non-J.P. Morgan Chase Bank, National Association websites are provided solely as pointers to information on topics that may be useful to users of the J.P. Morgan Asset Management Web site, and J.P. Morgan Chase Bank, National Association has no control over the content on such non-J.P. Morgan Chase Bank, National Association websites. If you choose to link to a website not controlled by J.P. Morgan Chase Bank, National Association, J.P. Morgan Chase Bank, National Association makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does J.P. Morgan Chase Bank, National Association warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. J.P. Morgan Chase Bank, National Association does not guarantee the authenticity of documents on the Internet. Links to non-J.P. Morgan Chase Bank, National Association sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

LIMITATION OF LIABILITY

FACTORS, J.P. Morgan Chase Bank, National Association IS NOT RESPONSIBLE FOR ANY ERRORS IN OR OMISSIONS FROM THE INFORMATION CONTAINED IN OR ACCESSED THROUGH THE J.P MORGAN ASSET MANAGEMENT WEBSITE. ALL SUCH INFORMATION IS PROVIDED "AS IS" TO THE USER WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND INCLUDING THE WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHERMORE, J.P. Morgan Chase Bank, National Association WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, ANY INCOMPATIBILITY BETWEEN THE J.P MORGAN ASSET MANAGEMENT WEBSITE AND FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND J.P. Morgan Chase Bank, National Association's CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

EXCEPT AS MAY BE OTHERWISE EXPRESSLY PROVIDED BY WRITTEN AGREEMENT BETWEEN J.P MORGAN CHASE AND THE USER, J.P. Morgan Chase Bank, National Association WILL HAVE NO TORT, CONTRACT OR ANY OTHER LIABILITY TO THE USER AND/OR ANY THIRD PARTY ARISING IN CONNECTION WITH THE USE OF THE J.P MORGAN ASSET MANAGEMENT WEB SITE, OR RELIANCE ON ANY INFORMATION OR SERVICES PROVIDED AT THIS WEBSITE. J.P. Morgan Chase Bank, National Association WILL UNDER NO CIRCUMSTANCES BE LIABLE TO THE USER AND/OR ANY THIRD PARTY, REGARDLESS OF THE FORM OF ACTION, FOR ANY LOST PROFITS OR LOST OPPORTUNITY, OR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR PUNITIVE DAMAGES WHATSOEVER, EVEN IF J.P. Morgan Chase Bank, National Association HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Governing Law

The user's access to and use of the J.P. Morgan Asset Management Web site, and the laws of the State of New York govern the terms of this disclaimer.

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.

Contact JPMorgan Distribution Services, Inc. at 1-800-480-4111 for a prospectus. Carefully consider the fund’s objectives, risks, charges and expenses before investing. The prospectus contains this and other fund information. Read it carefully before investing.

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.

CONFLICTS OF INTEREST – Refer to the Conflicts of Interest section of the Fund’s prospectus

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.

©2024 Morningstar Inc. All rights reserved. Morningstar information is proprietary to Morningstar and/or its content providers, may not be copied or distributed and is not warranted to be accurate, complete or timely.

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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

NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE

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