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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.
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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 MindAvailable in cost effective vehicle structures, combining both passive index funds and actively managed strategies. |
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Based on Real DataAsset allocation strategies based on real savings rates and employer contributions for 850,000 actual plan participants.1 |
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Diversification with a PurposeInvest 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.
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Top 10 Investment Manager
A top-10 investment manager globally with over $1 trillion in assets under management.2
Top 10 Defined Benefit Provider
As the #1 manager of pension risk transfer assets, Prudential Retirement is entrusted by some of the largest Fortune 100 Companies. 3
Top 10 Retirement Recordkeeper
Prudential Retirement is a top record keeper, servicing over 7,800 defined benefit and defined contribution plans and 4 million participants. 3
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Insights & Resources
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Finding the Target Date Sweet Spot
The extended period of strong equity returns and muted volatility over the last decade may have masked risks and lulled some plan sponsors into a false sense of security in their target date fund (TDF) selection. Understanding fiduciary responsibilities and maintaining a prudent process around TDF evaluation and selection has never been more important.
Retirement Preparedness Study
Many retirees are enjoying a secure retirement, but many pre-retirees envision that the "dream retirement" is becoming more elusive. This study explores how well individuals are preparing for retirement, and how they are responding to the challenges they face.
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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? Article 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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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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Footnotes
- Source: Prudential Retirement.
- Prudential Financial is the 10th-largest investment manager (out of 562) in terms of global AUM based on the Pensions & Investments Top Money Managers list published on 5/28/2018. This ranking represents assets managed by Prudential Financial as of 12/31/2017.
- Plan Sponsor 2018 DC Recordkeeping Survey, June 2018, data as of 12/31/2017.
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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 as defined by the Department of Labor’s Fiduciary rule or otherwise. This information is not a recommendation about managing or investing your retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional.
The target date is the approximate date when investors plan to retire and may begin withdrawing their money. The asset allocation of the target date funds will become more conservative until the date which is ten years prior to 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 retirement income.
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. Investments in the Funds are not deposits or obligations of any bank and are not insured or guaranteed by any governmental agency or instrumentality.
Prudential Day One Funds may be offered as: (i) insurance company separate accounts available under group variable annuity contracts issued by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT, a Prudential Financial company, (ii) 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 (iii) registered mutual funds offered through Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. Each of PRIAC and 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 Prudential Day One IncomeFlex Target® Funds were designed for use with Prudential IncomeFlex Target, an in-plan guaranteed retirement income product, and are available as insurance company separate accounts under group variable annuity contracts issued by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT. PRIAC does not guarantee the investment performance or return on contributions to those separate accounts. PRIAC is solely responsible for its financial condition and contractual obligations. Availability and terms may vary by jurisdiction, subject to regulatory approvals. Guarantees are based on claims-paying ability of the insurance company and are subject to certain limitations, terms and conditions. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Contract form #GA-2020-TGWB4-0805. For more information, participants should access the participant service center or call 1-877-778-2100 for a copy of the Prudential IncomeFlex Target Important Considerations before investing. PRIAC is a Prudential Financial company.
Please note that the Prudential Day One IncomeFlex Target Funds follow a different glidepath than the Day One Funds.
The Day One Funds, as insurance company separate accounts or 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 insurance company separate accounts or 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.
© 2019 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: 1009586-00001-00 Ed. 10/2018
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