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PGIM CUSTOM HARVESTPGIMCUSTOMHARVEST

A separately managed account platform using customized ETF-based direct indexing solutions to seek improved after-tax returns

  • View PGIM Custom Harvest SMAs

KEY FACTS

LEADER IN ETF-BASED DIRECT INDEXING

Innovative, tax-beneficial investment solutions and services tailored to each client’s individual goals, needs, tax situation, and risk profile using low-cost, tax-efficient ETFs

PROPRIETARY SMART CAPTURE TECHNOLOGY

Proprietary tax-sensitive software used to identify, target, and facilitate efficient trading throughout the market day, increasing the potential to harvest tax benefits

MULTI-ASSET Experience

A wide range of strategies that seek to provide investors with broad exposure to the equity and fixed income markets with minimal tracking error while maximizing after-tax returns

DEEPLY EXPERIENCED TEAM

Founded by ETF and asset management experts with more than 65 years of aggregate asset management and ETF sponsor experience

OUR STRATEGIES

  • U.S. Equity Plus
  • Global Equity Plus
  • U.S. Equity Plus - 50% Hedged
  • International Equity Plus

FEATURED INSIGHTS

Tax-Smart Investing in a New Regime
Equities

Tax-Smart Investing in a New Regime

Jan 29, 2025

As 2025 takes shape, implementing a direct indexing strategy can help investors overcome common challenges while contributing to a portfolio’s after-tax return.

Demand For Direct Indexing Rises with Asset Values
Equities

Demand For Direct Indexing Rises with Asset Values

Dec 12, 2024

After a second consecutive year of outsized equity returns, investors eager to lock-in profits and/or rebalance portfolios may benefit from direct indexing.

Direct Indexing: Advantages of an ETF-Based Approach
Equities

Direct Indexing: Advantages of an ETF-Based Approach

Dec 18, 2024

An ETF-based approach for a direct indexing strategy offers distinct advantages that may help improve after-tax results.

Direct Indexing Brings Out Volatility's Bright Side
Equities

Direct Indexing Brings Out Volatility's Bright Side

Oct 15, 2024

At year-end, investment taxes are often top of mind. Capitalize on volatility & enhance tax-loss harvesting potential through sector approach to direct indexing

What is Direct Indexing?
Direct Indexing

What is Direct Indexing?

Jul 15, 2024

Direct indexing is an investing strategy that seeks to replicate the performance of an index.

The Why, What, and How of Direct Indexing
Equities

The Why, What, and How of Direct Indexing

Jan 16, 2024

PGIM Custom Harvest’s Robert Holderith shares an overview of direct indexing and breaks down different portfolio construction approaches.

Alpha is a measure of the investment’s value added based on its beta or market-related risk profile. Tracking error is the difference in actual performance between a portfolio and its corresponding benchmark.

Risks—Investing involves risks. Some investments are riskier than others. The investment return and principal value will fluctuate, and shares, when sold, may be worth more or less than the original cost. Actively managed portfolios may carry additional risks, such as analyses performed cannot always predict outcomes, that the investment techniques applied do not have the expected results, and that external factors can change the course of investment performance. The fees associated with active management may be higher than those associated with passive strategies. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their net asset value (NAV), and are not individually redeemed from the Fund. Shares may only be redeemed directly from the Fund by Authorized Participants in creation units only. You may incur brokerage commissions when buying and selling shares on an exchange or through your financial intermediary, which may reduce returns. Market returns are based upon the closing price or the midpoint of the bid/ask spread, as applicable, at the time when the Fund’s NAV is determined (normally 4:00 p.m. Eastern time), and do not represent the returns you would receive if you traded shares at other times. There can be no guarantee that an active trading market for ETF shares will develop or be maintained, or that their listing will continue or remain unchanged. While the shares of ETFs are tradable on secondary markets, they may not readily trade in all market conditions and may trade at significant discounts in periods of market stress. 

The availability of tax alpha is highly dependent upon the initial date and time of investment as well as market direction and security volatility during the investment period. Tax loss harvesting outcomes may vary greatly for clients who invest on different days, weeks, months, and all other time periods. A client's tax alpha will depend on the client's individual circumstances, which are outside of PGIM Custom Harvest's knowledge and control.

PGIM Custom Harvest does not provide tax, legal, or accounting advice. This material is for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction. Although PGIM Custom Harvest does not provide tax, legal or accounting advice, we stand ready to assist clients and their advisors in reviewing the relevant tax rules.

SMAs differ from pooled vehicles like mutual funds in that each portfolio is unique to a single account therefore the investment decisions may vary from those made for other accounts. SMAs do not issue registered prospectuses, and the fee structures differ from those normally seen in mutual funds and generally carry higher account investment minimums. Please remember that there are inherent risks involved with investing in the markets, and investments may be worth more or less than initial investment upon redemption. There is no guarantee that the investment managers' objectives will be achieved. Professional money management is not suitable for all investors. Investment objectives, risk tolerance, and liquidity needs must be reviewed before suitable programs can be recommended. Asset allocation and diversification strategies do not assure a profit or protect against loss in declining markets. Investors should consult with their attorney, accountant, and/or tax professional for advice concerning their particular situation.

PGIM Custom Harvest is a registered investment adviser and a Prudential Financial company. 

Investment Products: Are not insured by the FDIC or any other federal government agency, may lose value, and are not a deposit of or guaranteed by any bank or any bank affiliate.

© 2025 Prudential Financial, Inc. and its related entities. PGIM Custom Harvest, PGIM Investments, PGIM, and the PGIM logo are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

For compliance use only 4242863

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This site is intended for U.S. investors only.  All investments involve risk, including loss of principal.

PGIM, the principal investment management business of Prudential Financial, Inc. (PFI), is comprised of several business units, including PGIM Investments.   PGIM Investments, a subsidiary of PFI, is an investment adviser and the investment manager to all PGIM US open-end investment companies and manager or administrator to closed-end investment companies. Other PGIM businesses that may sub-advise certain PGIM Investments open and closed-end investment companies include:  PGIM Real Estate, Jennison Associates, PGIM Quantitative Solutions LLC, PGIM Limited, and PGIM Fixed Income. Investment products are distributed by Prudential Investment Management Services LLC,  member FINRAopens in a new window, SIPCopens in a new window and affiliate of PGIM Investments.   Any content relating to securities is the sole responsibility of PIMS, unless otherwise noted.  Check the background of this firm on FINRA’s BrokerCheckopens in a new window.

By accessing links on this web site, you may be leaving PGIM Investments and PIMS and be directed to PGIM Affiliate sites.

Separately managed accounts are offered through PGIM, Inc., Jennison Associates, PGIM Custom Harvest, and PGIM Quantitative Solutions LLC.

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 and is not a recommendation. Clients seeking information regarding their particular investment needs should contact their financial professional.

© 2025 Prudential Financial, Inc. and its related entities. Jennison Associates, PGIM Real Estate, PGIM Custom Harvest, PGIM, and the PGIM logo are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential plc, incorporated in the United Kingdom or with Prudential Assurance Company, a subsidiary of M&G plc, incorporated in the United Kingdom.

 

INVESTMENT PRODUCTS: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

 

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