Pru-DayOneFunds-Attestation

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Intended for Financial Professional and Institutional Plan Sponsor Use

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Solving for the Right Risks at the Right Time Prudential Day One®
Target Date Funds

Choosing a target date fund may be one of the most important decisions a retirement plan fiduciary will make, which is why we offer the Day One Funds in multiple vehicle structures and share classes to address a variety of plan needs.

Explore Investment Vehicles

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A Glidepath Designed to Help Address Risk at Every Stage

 

The Prudential Day One Funds three stage glidepath was designed to help improve retirement outcomes and solve for the right risks at the right time.

 

 

 The Prudential Day One Funds follow a glidepath specifically designed to address the risks that pose the greatest danger to an individuals' retirement: not accumulating enough assets, protecting those assets when they are at the greatest risk, and shielding them from the eroding effects of inflation.

Does not represent actual glidepath. For illustrative purposes only.

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Key Features of the Prudential Day One Target Date Funds

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Designed with Cost in Mind

Available in cost effective vehicle structures, combining both passive index funds and actively managed strategies.

Based on Real Data

Asset allocation strategies based on real savings rates and employer contributions.

Diversification with a Purpose

Invest in both traditional investments and non-traditional ones such as commodities and real estate.

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Scale, Scope and Experience

Combining the asset management capabilities of Prudential Financial with the organization's behavioral insights, actuarial experience, and leadership in pension risk transfer.3

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Top-10

Powered by a top-10 investment manager globally2

169

Of the largest 300 global pension funds3

20

Of the largest 25 public U.S. pension plans3

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Insights & Resources

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Will the Next 10 Years Look Like the Last 10?

Markets have been kind in the past decade, however, as we look forward many are concerned about how a market pullback could affect their most vulnerable plan participants – those nearing retirement. Looking at how TDFs have performed during market pullbacks over the last decade may provide insights into how they may perform in a more significant and protracted decline.

Target Date Fund Myth-Busting

Are TDF investors truly inactive, even during market volatility? Our new research challenges long-held assumptions and reveals the significance for retirement outcomes.

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Why young investors should invest in equities

Some young investors believe if they begin saving as much as they can they'll have plenty of money when it comes time to retire.

 Download the Article Why young investors should invest in equities PDF opens in a new window

Is your retirement nest egg at risk?

A significant market decline near retirement could have a negative effect on your retirement.

 Open the Article  Is Your Retirement Nest Egg at Risk? PDF opens in a new window

How inflation really looks in retirement

It's easy to overlook the impact that inflation can have on a retiree's savings; even low inflation rates can add up and compound over time.

 Download the Article How inflation really looks in retirement PDF opens in a new window

Target date evaluation checklist

A checklist designed to help plan sponsors evaluate their target date fund options.

 Download the Checklist Target date evaluation checklist PDF opens in a new window

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Solving for the Right Risks Near Retirement?

 

See how the Day One Funds1 have performed during market pullbacks over the last decade.

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Experience Day One Funds

Explore the Day One Funds participant site to see how individuals can reevaluate their retirement savings plans as they navigate life milestones on the road to retirement.

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For additional information, please call 1-877-275-9786

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Footnotes

  • 1 In order to provide data from additional drawdown periods (time periods preceding the launch of the Prudential Day One Funds mutual fund vehicle), performance in down market periods is that of Similarly Managed Accounts, as represented by the Prudential Day One Fund CITs, and as described in the Prudential Day One Funds mutual fund prospectus. Past performance does not guarantee future results.
  • 2 Prudential Financial, Inc. is the 10th-largest investment manager (out of 477) in terms of global AUM based on the Pensions & Investments Top Money Managers list published on 05/31/2021. This ranking represents assets managed by Prudential Financial as of 12/31/2021
  • 3 Based on PGIM client list as of 9/30/2021 compared to U.S. Plan Sponsor rankings in Pensions & Investments as of September 30, 2010, published February 2021.

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Risks—Mutual fund investing involves risk. Some mutual funds have more risk than others. The investment return and principal value will fluctuate, and investors’ shares, when sold, may be worth more or less than the original cost. Fixed income investments are subject to interest rate risk, and their value will decline as interest rates rise. Asset allocation and diversification do not assure a profit or protect against loss in declining markets. There is no guarantee a Fund’s objectives will be achieved. The risks associated with each fund are explained more fully in each fund’s respective prospectus. TIPS may experience greater losses than other fixed income securities with similar durations. Unique risks associated with real estate and commodities may cause these investments to react differently to market conditions than traditional investments. Commodities may be speculative and more volatile than investments in more traditional equity and debt securities.

This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation. Clients seeking information regarding their particular investment needs should contact their financial professional.

The target date is the approximate year in which investors plan to retire. The funds are designed for investors who plan to gradually withdraw assets from the fund over a moderate time period following retirement. Each fund invests in underlying funds that provide exposure to fixed income, equity and non-traditional asset classes. The asset allocation of the target date funds will become more conservative as the target date approaches and for ten years after the target date by lessening the equity exposure and increasing the exposure in fixed income investments.  The principal value of an investment in a target date fund is not guaranteed at any time, including the target date. There is no guarantee that the fund will provide adequate income through retirement.

A target date fund should not be selected solely based on age or retirement date. Before investing, participants should carefully consider the fund’s investment objectives, risks, charges and expenses, as well as their age, anticipated retirement date, risk tolerance, other investments owned, and planned withdrawals.

The stated asset allocation may be subject to change. It is possible to lose money in a target date fund, including losses near and following retirement. These risks may be increased to the extent investors begin to make withdrawals from the fund significantly before the target date. Investments in the funds are not deposits or obligations of any bank and are not insured or guaranteed by any governmental agency or instrumentality. For investors close to or in retirement, the fund’s equity exposure may result in investment volatility that could reduce an investor’s available retirement assets when they are needed. For investors farther from retirement, there is a risk that a fund may invest too much in investments designed to ensure capital conservation and/or current income, which may prevent the investor from meeting his/her retirement goals.

Prudential Day One Funds may be offered as: (i) collective investment trust funds established by Prudential Trust Company, as trustee, a Pennsylvania trust company located in Scranton, PA and a Prudential Financial company, and (ii) registered mutual funds offered through Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. Prudential Trust Company is solely responsible for its own contractual obligations and financial condition. Offers of the collective investment trust funds may only be made by sales officers of Prudential Trust Company.

The Day One Funds, as collective investment trusts, are investment vehicles available only to qualified retirement plans, such as 401(k) plans and government plans, and their participants. Unlike mutual funds, The Day One Funds, as collective investment trusts, are exempt from Securities and Exchange Commission registration under both the Securities Act of 1933 and the Investment Company Act of 1940, but are subject to oversight by state banking or insurance regulators, as applicable. Therefore, investors are generally not entitled to the protections of the federal securities laws.

For Mutual Funds: Consider a fund’s investment objectives, risks, charges and expenses carefully before investing. The prospectus and the summary prospectus contain this and other information about the fund. Contact your financial professional or call (877) 275-9786 for a prospectus and the summary prospectus. Read them carefully before investing.

© 2022 Prudential Financial, Inc., and its related entities. Prudential, the Prudential logo, the Rock symbol, Prudential Day One, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

For Compliance Use Only: 1029606-00003-00 Ed. 04/2022