In this section, Prudential provides various funds which allocate a percentage of your retirement into four different buckets which are Domestic Equity, International Equity, Non-Traditional and Fixed Income. Based on the year that your calculated retirement starts, referred to as Your Day One Fund, a suggested fund will be displayed in the carousel. The time period listed below each Day One Fund indicate the range of retirement start years for that fund. You can then proceed to interact with the carousel to select different funds to see how your assets will be allocated in each.
Funds with target dates close to your target retirement year
Prudential Day One
Select Fund
Select a Prudential Day One® Target Date Fund by pressing Enter on the carousel left/right arrows to see how your fund allocations change over time.
Fund Allocation
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Domestic
Equity
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International
Equity
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Non-
Traditional
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Fixed
Income
In this section you are shows three stages, Accumulation, Preservation, and Inflation Protection. As the current date moves closer to your day one of retirement, the way Prudential allocates your funds change. You will progress through these stages until you enter the Inflation Protection which is Prudential’s safest retirement investment stage. You will stay in this stage throughout retirement.
Accumulation Stage :
Preservation Stage :
Inflation Protection Stage :
Earlier in your working years, the greatest risk to your retirement savings may be that you are not taking enough risk. During the Accumulation Stage, the Day One XXXX Fund has a higher exposure to equities and non-traditional investments that are riskier, but that also have a greater potential for growth over time.
In the 10 years leading up to retirement, objectives shift from growing assets to protecting retirement savings from potential market losses. During the Preservation stage, the Day One XXXX Fund reduces exposure to equities and shifts into more conservative, less volatile assets.
With a long retirement horizon ahead of you, the main goal in the first 10 years of retirement may be to continue to preserve your savings. The Day One XXXX Fund is designed to continue lowering exposure to equities to help provide additional protection against equity market declines.
With a long retirement ahead, making sure your savings can keep pace with the rising costs of healthcare, housing, food and other necessities is very important. To help protect the purchasing power of your savings, the Day One XXXX Fund provides higher exposure to asset classes that historically have performed well during inflationary periods.
In this section based off of your Day One of retirement, your slider will show you the current stage you are in, as well as future stages as you get closer to your day one of retirement. Move the slider to simulate progression in time. This will eventually change the stage Prudential puts you in, as well as updates the radial charts to show the percentage allocation in each bucket as you progress closer to retirement.
- Accumulation Stage
- Preservation Stage
- Inflation Protection Stage
- Today
- Retirement Starts
- Today
- Retirement Starts
Accumulation Stage
Earlier in your working years, the greatest risk to your retirement savings may be that you are not taking enough risk. During the Accumulation Stage, the Day One XXXX Fund has a higher exposure to equities and non-traditional investments that are riskier, but that also have a greater potential for growth over time.
Preservation Stage
In the 10 years leading up to retirement, objectives shift from growing assets to protecting retirement savings from potential market losses. During the Preservation stage, the Day One XXXX Fund reduces exposure to equities and shifts into more conservative, less volatile assets.
With a long retirement horizon ahead of you, the main goal in the first 10 years of retirement may be to continue to preserve your savings. The Day One XXXX Fund is designed to continue lowering exposure to equities to help provide additional protection against equity market declines.
Inflation Protection Stage
With a long retirement ahead, making sure your savings can keep pace with the rising costs of healthcare, housing, food and other necessities is very important. To help protect the purchasing power of your savings, the Day One XXXX Fund provides higher exposure to asset classes that historically have performed well during inflationary periods.
*The current modeling assumptions for the Day One Funds glidepath assume that pre-retirement earnings start at age 18 and retirement age is 65, creating a 47-year time horizon. For the purposes of the tool, if your time horizon exceeds 47 years you will default to the 2060 Fund.