Prudential Financial

Qualified Accounts

Whether consolidating several IRAs into one, rolling a lump-sum distribution into an IRA to maintain tax-deferred status, or simply organizing your distributions, COMMAND or Investor IRAs offer convenience and ease of money management, as well as:

  • Investment Flexibility—With a COMMAND or Investor IRA, you can select from mutual funds, CDs,1 and UITs. But your flexibility doesn't end there. Should market conditions or your personal goals change, you have the option of exchanging between mutual funds in the same fund family. It's as easy as calling the COMMAND Service Center.
  • Diversification—Your funds can be invested in a broadly based portfolio that has been carefully selected by you and your Prudential financial professional. Diversification serves two purposes: it reduces risk and it enables you to invest in growth opportunities found in a cross-section of businesses and industries that you could not invest in alone.

The Investor IRA
The Investor IRA is recommended for investors with a long-term investing horizon. If you are not eligible to take a distribution without penalty because of age or special circumstances, the Investor IRA is for you. You can convert to a COMMAND IRA when you are ready to begin taking distributions.

The COMMAND IRA
The COMMAND IRA is recommended for investors who are over 59½ and want to begin taking distributions, or who are over 70½ and are required by the IRS to take distributions (except for Roth IRAs).There is no complicated paperwork and forms—taking a distribution is as easy as writing a check. Each check is automatically reported to the IRS as a distribution and tracked on your monthly statements (and your remaining COMMAND balance remains invested on a fully tax-deferred basis).

See a list of available features.

For more information, contact your Prudential financial professional.

1 If you need to sell a CD prior to maturity, you may be able to do so in the secondary market. Pruco Securities' clearing firm maintains a secondary market in CDs and it intends to continue doing so, although it is not obligated to do so. The price you receive in the secondary market may be higher or lower than the price you originally paid for the CD, depending on market conditions. CDs are not appropriate for routine trading. If you purchase a CD, you should generally do so with the intention of holding it until maturity. Generally, CDs should not be withdrawn prior to maturity since penalties will be applied.

Neither Pruco Securities, LLC nor its financial professionals render tax or legal advice. Please consult with your attorney, accountant, and/or tax professional for advice concerning your particular situation.

Securities products and services are offered through Pruco Securities, LLC, 751 Broad Street, Newark, NJ 07102, a Prudential Financial company. Member FINRA, SIPC. Prudential, Prudential Financial and the Rock logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ, and its affiliates.

Pruco Securities, LLC clears its trades through First Clearing, LLC, on a fully disclosed basis. First Clearing, LLC is not a Prudential Financial company.

0162603-00001-00 Ed. 10/2009