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JPMorgan SmartRetirement is built to withstand a range of market cycles and conditions. Two decades of research and the behavioral data of millions of participants fuels our investment decisions, which helps more people cross the retirement finish line.
 

JPMorgan SmartRetirement

J.P. Morgan's approach to an all-in-one diversified investment designed to improve retirement outcomes.

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JPMorgan SmartRetirement Blend

Combining the best of both worlds – the lower cost of passively-managed strategies & active management in asset classes where we can add the most value.

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FACT: 10% of participants over age 59 1/2 withdraw, on average 55% of their assets

We maintain a lower risk profile near retirement to protect against market volatility

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FACT: 72% of participants are no longer in the plan 3 years into retirement

Our glide path is static at and post retirement to account for high levels of cash flow volatility

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FACT: 19% of participants borrow on average, of 20% of their 401(k)

Our volatility controls helps manage the amplifying impact borrowing has on an individuals’ long-term success


Source: J.P. Morgan retirement research, 2015-2017.

Our balanced approach to risk management focuses on growth early-on, then shifts to savings retention before and during retirement

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Chart source: J.P. Morgan Asset Management. Diversification and asset allocation do not guarantee investment returns and do not eliminate the risk of loss. For illustrative purposes only.

Featured Retirement Insights

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Defined Contribution Resources

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Private Real Estate for DC Plans

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