PGIM Target Date Funds
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PGIM is the investment management business of Prudential. When you choose PGIM, you have access to our library of financial wellness resources that you can use to budget, save, and understand how to take action to help achieve your short-term and long-term financial goals.
Our PGIM RetireWellTM framework is a step-by-step financial wellness guide that we believe will help you better manage your finances.
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When you choose PGIM, you have access to our library of financial wellness resources that you can use to budget, save, and understand how to take action to help achieve your short-term and long-term financial goals.
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Frequently Asked Questions
PGIM target date funds - Frequently Asked Questions.
*PGIM is the investment management business of Prudential Financial, Inc. (PFI). PFI is the 14th-largest investment manager (out of 434) in terms of global AUM based on the Pensions & Investments Top Money Managers list published on 6/12/2023. This ranking represents assets managed by Prudential Financial as of 12/31/2022.
Risks—Investing involves risk. Some investments 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. Asset allocation and diversification do not assure a profit or protect against loss in declining markets. There is no guarantee a portfolio’s objectives will be achieved.
The target date is the approximate year in which investors plan to retire. The funds are designed for investors who will either withdraw all of their assets upon retirement or who will 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 portfolio should not be selected solely based on age or retirement date. Before investing, participants should carefully consider the portfolio’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 portfolio, including losses near and following retirement. Investments in the portfolios are not deposits or obligations of any bank and are not insured or guaranteed by any governmental agency or instrumentality. The portfolio offers no assurance that the portfolio will provide adequate income to meet an investor’s retirement or financial goals. The portfolio’s equity exposure may result in investment volatility that could reduce an investor’s available retirement assets at a time when the investor needs to withdraw funds.