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Prudential
SmartSolution IRA
This investment solution can help you do more to improve your financial wellness and save for your retirement.
Account Access
You can make trades and allocation adjustments 24 hours a day, 7 days a week in the comfort of your home or office.
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Which IRA is best for me?
Individual Retirement Accounts (IRAs) are retirement accounts that you can set up on your own, even if you participate in other employer-sponsored retirement plans. A Prudential SmartSolution IRA is a flexible addition to your overall retirement income strategy.
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Traditional or Roth IRA? Yes, Please
The SmartSolution IRA platform has two types of IRAs to select from, Traditional or Roth.
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| Traditional IRA | Roth IRA |
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| Contributions may be tax deductible, allowing you to lower your current year's taxes by subtracting your annual IRA contributions from your taxable income. 1 | Contributions are not tax deductible. However, withdrawals from your Roth IRA— both the contributions and any earnings—may be federal income tax free. |
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Features and Benefits
Prudential SmartSolution IRA's unique features and investment options are designed to help improve your financial wellness and plan for a more secure financial future.
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Automatic Rebalancing
SmartSolution IRA has an automatic quarterly rebalancing feature that will help maintain the original asset allocation strategy.
Investment Options
We have investment options that are designed to make it easier for you to plan for a more secure retirement.
Personal Assistance
Prudential retirement counselors are available to answer your questions and review your progress.
Fees
The SmartSolution IRA account has a low annual IRA custodial fee of $40. There are no transaction fees and no commissions for any trade.
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What's Your Approach to Investing?
Your investment mix is one of the most important factors when preparing for a more secure retirement. Whether you are confident choosing your own investments, or want some help, we have options for you.
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Build your own portfolio
Choose from over 60 individual investment options covering a broad array of asset classes, allowing you to diversify your retirement savings.
Fund Fact Sheets PDF opens in a new window
Age-based portfolios
Consider the Prudential Day One® Target Date fund2 that corresponds to your expected retirement date and the fund will automatically adjust to help solve for the investment risks as you head toward retirement and to help drive better retirement outcomes.
Risk/Time Horizon-Based Portfolios
GoalMaker®, an asset allocation program that will guide you to a model portfolio based on your Risk Profile.
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Investment Options
Prudential SSIRA's investment line-up provides a wide variety of investment options, allowing you to create an investment strategy to meet any objective.
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More than 60 actively and passively managed mutual funds.
PruSecure is a Stable Value investment option (where available) offering a long -term, guaranteed rate of return.
Investments in a wide variety of asset classes, giving you tools to effectively diversify your portfolio.
Prudential IncomeFlex Target®3 provides a guaranteed4 lifetime income stream, sustained potential for growth, downside market protection for retirement income and flexible access to your market value.5
Low-cost institutional investments that allow more of your money to work for you.
Prudential Day One® Target Date Funds offer a mix of stocks and bonds that automatically adjust to become more conservative as the target date approaches.
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Keep in mind that application of asset allocation and diversification concepts does not assure a profit or protect against loss in a declining market.
It is possible to lose money by investing in securities.
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Need Help?
Contact Us
877-PRU-2100 (877-778-2100)
Prudential retirement counselors can help you refine your retirement savings and income strategy over time, as your needs change. Retirement counselors are available toll- free, Monday through Friday, from 8:30 a.m. to 5:30 p.m. ET.
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Resources
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Unlock the power of the Wellness Effect
With workers shouldering increasing financial burdens and risk, offering a financial wellness program isn’t just the right thing to do, it’s also smart business.
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Disclaimer
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Annual income limitations may apply
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Prudential Day One Target Date Fund - 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 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 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.
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Prudential Income Flex Target is a benefit of the Prudential Retirement Security Annuity III and IV offered through Prudential Retirement Insurance and Annuity Company.
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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 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 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.
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Guarantees are based on the claims-paying ability of the insurance company and are subject to certain limitations, terms and conditions. To maintain the IncomeFlex target benefit, you must invest in one or more Prudential IncomeFlex Target Funds. Like all variable investments, these funds may lose value. Withdrawals in excess of the guaranteed lifetime income amount will reduce future guaranteed withdrawals proportionately and can even stop them.
For compliance use only 1022654-00001-00
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Details on the backgrounds and qualifications of registered persons who conduct business with you can be found on the FINRA BrokerCheck website.
Before investing in a mutual fund, consider the funds' investment objectives, risks, charges, and expenses. Please call 877-778-2100 for a prospectus or, if available, a summary prospectus containing this information. You should read the prospectus and the summary prospectus, if available, carefully before investing. It is possible to lose money when investing in securities.
Retirement counselors are registered representatives of Prudential Investment Management Services LLC (PIMS), Newark, NJ an SEC-registered broker dealer and Investment Advisor Representatives of Prudential Customer Solutions LLC (PCS), an SEC-registered investment advisor. Brokerage services and products are offered through PIMS, investment advisory products and services are offered through PCS.
Shares of the registered mutual funds and investment products offered to you through the SSIRA or Brokerage IRA accounts are provided through Prudential Investment Management Services LLC (PIMS), Newark, NJ. PIMS is a Prudential Financial company
You get tax deferral of your investment earnings through the qualified retirement plan in which you participate. Because you already enjoy this tax deferral, your decision to invest in an Individual Retirement Account or other variable annuity should be based on the annuity's investment and insurance features, such as the ability to annuitize and the death benefit.
Annuities are longer term investments intended for retirement savings. They contain fee, exclusions, limitations, reductions of benefits, and terms for keeping them in force.
The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You or your agent may wish to solicit independent legal or financial advice before selling or liquidating any assets, and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold.
Amounts withdrawn before age 59½ may be subject to a 10% federal income tax penalty, applicable taxes, and plan restrictions. Withdrawals are generally taxed at ordinary income tax rates.
The PruSecure Account is a group annuity product issued by The Prudential Insurance Company of America (PICA), Newark, NJ 07102. Amounts contributed to the contract are deposited in PICA's general account. Payment obligations and the fulfillment of any guarantees specified in the group annuity contract are insurance claims supported by the full faith and credit of PICA. PICA periodically resets the interest rate credited on contract balances, subject to a minimum rate specified in the group annuity contract. Past interest rates are not indicative of future rates. This product is neither a mutual fund nor a bank product.
The obligations of PICA are not insured by the FDIC or any other federal governmental agency. Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest credited on contract balances. Other than such compensation, there are no additional charges imposed that reduce the interest rate credited.
For MT, NV, UT, Commonwealth of Puerto Rico, U.S. Virgin Islands, and Guam (conditional text):
An investment in the money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
The Prudential SmartSolution IRA invests in proprietary and non-proprietary funds. Prudential Investments is a Prudential subsidiary and Prudential earns fees for managing these accounts. These fees are described in the prospectus for each fund.
Custodial services offered through Prudential Bank & Trust, FSB. Prudential Bank & Trust, FSB is a Prudential Financial company.
Nondeposit investment products are:
Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Guaranteed by Any Government Agency
Not a Bank Deposit
This material is intended to provide information only. This material is not intended as advice or recommendation about investing or managing your retirement savings. By sharing this information, Prudential Retirement® is not acting as your fiduciary as defined by the Department of Labor or otherwise. If you need investment advice, please consult with a qualified professional.
Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates. (California COA # 1179).
Insurance products and services are offered by Prudential Retirement Insurance and Annuity Company, Hartford, CT or The Prudential Insurance Company of America, Newark, NJ. Each company is soley responsible for its financial conditions and contractual obligations.
Guarantees are based on the claims-paying ability of the issuing insurance company and are subject to certain limitations, terms, and conditions.
In providing this information, Prudential Retirement is not undertaking to provide impartial investment advice, or to give advice in a fiduciary capacity. Prudential Retirement may benefit from advisory and other fees paid to it or its affiliates for managing, selling, or settling of the Prudential mutual funds and other investment products or securities offered by Prudential Retirement or its affiliates. Investment vehicles sponsored or managed by a Prudential Retirement affiliate generate more revenue for the Prudential enterprise than non-proprietary investment vehicles. Prudential Retirement may benefit directly from the difference between investment earnings of Prudential Retirement's stable value funds and the amount credited to deposits in those funds. Prudential Retirement may also benefit from broker-dealer or other entities’ co-sponsorship of Prudential conferences.
Neither Prudential Financial, nor any of its representatives, are tax or legal advisors. You are encouraged to consult your individual legal or tax advisor with any specific questions.
© 2019 Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.