Retirement Investment Solutions
JPMorgan Investor Funds seek to deliver all the benefits of asset allocation and diversification-- reduced risk, less volatility and more consistent performance--in a single convenient vehicle... There are four different Investor Funds available, each backed by the global resources and expertise of one of the world’s leading asset managers.
An Investor Fund is a mutual fund that invests in other mutual funds representing a full range of asset classes and investment styles. With just one investment, a participant is diversified across a well-rounded portfolio of stock, bond, money market and specialty funds. Each Investor Fund holds a different asset mix to pursue its return objectives without exceeding our strict risk guidelines. Asset classes and investment styles are systematically rebalanced back to their target weights at least once a month. This practice maintains the risk profile of the portfolio while taking advantage of abnormal fluctuations in the market.
These strategies are meant to form the core of an investor’s portfolio. They are designed to participate in the return potential of all areas of the market, while avoiding the risk of owning just one type of investment. The goal is to limit portfolio fluctuations and provide a smoother ride through the market’s ups and downs.
One fund offering many benefits:
Make investment selection simple. Participants select one of four Investor Funds
Peace of mind. Fewer concerns about complex portfolio decisions
Save time and effort. Experienced professionals handle day-to-day investment tasks
Systematic Rebalancing and maintaining risk profile.
Review J.P. Morgan’s Investor Funds
Meet with your J.P. Morgan representative to discuss your plan’s current investments and future goals. Then choose the Investor Fund best meeting your plan’s needs:
- Investor Conservative Growth Fund
- Investor Balanced Fund
- Investor Growth & Income Fund
- Investor Growth Fund
For questions regarding your personal 401(k) plan, contact your 401(k) plan provider.
RISKS ASSOCIATED WITH INVESTING IN THE FUNDS:
Certain underlying J.P. Morgan Funds may invest in foreign/emerging market securities, small capitalization securities and/or high-yield fixed income instruments. There may be unique risks associated with investing in these types of securities. International investing involves increased risk and volatility due to possibilities of currency exchange rate volatility, political, social or economic instability, foreign taxation and differences in auditing and other financial standards. The fund may invest a portion of its securities in small-cap stocks. Small-capitalization funds typically carry more risk than stock funds investing in well-established "blue-chip" companies since smaller companies generally have a higher risk of failure. Historically, smaller companies' stock has experienced a greater degree of market volatility than the average stock. Securities rated below investment grade are called "high-yield bonds," "non-investment grade bonds," "below investment-grade bonds," or "junk bonds." They generally are rated in the fifth or lower rating categories of Standard & Poor's and Moody's Investors Service. Although these securities tend to provide higher yields than higher rated securities, there is a greater risk that the fund's share price will decline. There may be additional fees or expenses associated with investing in a Fund of Funds strategy.
For more complete information about any of the mutual funds or investment products available within the retirement plan, please call 800-988-9084, ext. 44671. Investors should carefully consider the investment objectives, risks, charges and expenses of the fund. Please carefully read the prospectus or fund fact sheet which contains this and other important information before you invest or send money.
Recordkeeping and administrative services for the plan are provided by J.P. Morgan Retirement Plan Services LLC (JPMRPS); securities transactions for the plan may be introduced by J.P. Morgan Institutional Investments Inc. (JPMII). Member FINRA/SIPC. JPMRPS and JPMII are affiliates of JPMorgan Chase & Co.
J.P. Morgan Retirement Plan Services LLC and its affiliates and agents may receive compensation with respect to plan investments, including, but not limited to, sub-transfer agent, recordkeeping, shareholder servicing, 12b-1 or other revenue-sharing fees.
This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for investment, accounting, legal or tax advice.
J.P. Morgan Funds are distributed by JPMorgan Distribution Services, Inc., which is an affiliate of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co. receive fees for providing various services to the funds.
J.P. Morgan Asset Management provides investment management solutions and services, including separate accounts, commingled funds and mutual funds. J.P. Morgan Asset management is the marketing name for the investment management businesses of JPMorgan Chase & Co. and its affiliates worldwide. Those businesses include, but are not limited to, J.P. Morgan Investment Management Inc., JPMorgan Investment Advisors, Inc., Security Capital Research and Management Incorporated and J.P. Morgan Alternative Asset management,
J.P. Morgan Retirement Plan Services LLC provides recordkeeping and administrative services to retirement plans. We also draw on the resources of other JPMorgan Chase & Co. affiliates in order to bring to our clients the products and services of a global financial services leader. J.P. Morgan Retirement Plan Services does not provide investment advisory or fiduciary services.
IRS Circular 230 Disclosure: JPMorgan Chase & Co. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with JPMorgan Chase & Co. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.
© JPMorgan Chase & Co., February 2010.