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Why Participate in the Total Rewards Program?

Help Achieve Investment Goals

Whether you're saving for retirement, a college education, or a special purchase, mutual fund investing can be an important part of your strategy. Research shows that the majority of Americans are unprepared to retire. Investing in mutual funds may contribute to better retirement preparedness. In fact, nearly 90% of study respondents invested in mutual funds believed they were on the road to achieving their retirement goals.¹

Seasoned Asset Managers

Your funds will be managed by Prudential's team of investment professionals, who also manage money for major corporations and pension funds around the world. That means you benefit from the same experience, innovation, and attention to risk demanded by today's most sophisticated investors.

Lower Expenses

Even small differences in expenses can make a big difference in your investment returns over time. The ability to purchase class Z shares with lower expenses means more of your money goes to purchasing investments allowing you to keep a higher percentage of the potential returns generated by the mutual funds in your portfolio.

¹ Prudential Financial Literacy and Retirement Readiness Study (2014).

² Payroll Deduction through the Mutual Fund Investment Plan (MFIP). For non-IRA accounts, you can have a percentage of your gross salary—from 1% to 50%—deducted from your paycheck and invested in up to five PGIM Investments mutual funds. Automatic Investment Plan. For any type of account, including IRAs, automatic withdrawals from your bank account can be invested in PGIM Funds.

Class Z shares may be available to group retirement plans and institutional investors through certain retirement, mutual fund wrap, and asset allocation programs, and to institutions at an investment minimum of $5,000,000. Performance by share class may vary. Other share classes, which contain either a sales load or a contingent deferred sales charge, are also available. These expenses could lower total fund return. Please see the prospectus for additional information about fees, expenses, and investor eligibility requirements.

Consider a fund's investment objectives, risks, charges and expenses carefully before investing. The prospectus and the summary prospectus contain this and other information about the fund. Contact your financial professional for a prospectus and the summary prospectus. Read them carefully before investing.

An investment in our money market funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the funds seek to preserve the value of your clients investment at $1.00 per share, it is possible to lose money by investing in the funds.

Investing involves risk. Some investments have more risk than others. The investment return and principal value will fluctuate and investor's shares when sold may be worth more or less than the original cost. Fixed income investments are subject to interest rate risk, and their value will decline as interest rates rise. Asset allocation and diversification do not assure a profit or protect against loss in declining markets. There is no guarantee a Fund's objectives will be achieved. The risks associated with each fund are explained more fully in each fund's respective prospectus. Consult with your attorney, accountant, and/or tax professional for advice concerning your particular situation.

Investment products are distributed by Prudential Investment Management Services LLC, member FINRA and SIPC. PIMS and PGIM are Prudential Financial companies. PGIM Quantitative Solutions is the primary business name of PGIM Quantitative Solutions LLC, a wholly owned subsidiary of PGIM. © 2024 Prudential Financial, Inc. and its related entities. PGIM Custom Harvest, Jennison Associates, Jennison, PGIM Real Estate, PGIM and the PGIM logo are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide

INVESTMENT PRODUCTS | Are not insured by the FDIC or any federal government agency | May lose value | Are not a deposit of or guaranteed by any bank or any bank affiliate.