We combine PGIM’s asset management capabilities and actuarial experience, and Prudential’s leadership in pension risk transfer. Together, these provide us with a unique vantage point to assess the retirement challenge, understand its complexities, and offer solutions that may work under the broadest set of circumstances.
1. PGIM is uniquely qualified in key target date functions - scale, scope, expertise
2. A differentiated glidepath - solves for the right risks at the right time
3. A thoughtful approach including a blend of active and passive
PGIM’s approach to improving retirement outcomes includes allocating to passive underlying strategies in more efficient asset classes, while remaining active where we can more efficiently deliver potential alpha.
Related Insights
-
Demystifying Retirement IncomeWith DC plan participants wanting their plan to help them spend down savings in retirement, there is a growing need for solutions that go beyond accumulation and support decumulation.
Read More
-
The Building Blocks for Better Retirement PortfoliosWe explore how moving beyond basic asset class coverage may increase the expected risk-adjusted return of portfolios, especially for retirees.
Read More
The PGIM Target Date mutual funds and CIT are subadvised by PGIM DC Solutions LLC.
PGIM Target Date Funds CIT: Great Gray Trust Company, LLC serves as the Trustee for its bank collective investment funds (“Funds”) and maintains ultimate fiduciary authority over the management of, and investments made in, the Funds. The Funds are not mutual funds as they and their units are exempt from registration under the Investment Company Act of 1940 and the Securities Act of 1933, respectively.
1 Prudential Financial is the 16th-largest investment manager (out of 369) in terms of global AUM based on Pensions & Investments Top Money Managers list published on 6/16/2025. This ranking represents assets managed by Prudential Financial as of 12/31/2024.
2 Prudential Financial is the 11th largest investment manager (out of 255 firms surveyed) in terms of U.S. defined contribution assets under management based on Pensions & Investments' Top DC Money Managers list published June 2025. This ranking represents U.S. defined contribution assets under management by PFI as of 12/31/2024.
3 LIMRA Group Annuity Risk Transfer Survey, December 31, 2024
These materials are for financial professional use only and should not be further distributed by the recipient.
All investments involve risk. There is no guarantee that a participant’s Managed Account will not suffer losses or experience negative returns. Use of the term “RetireWellTM” and any related phrase is not intended to indicate that your retirement goals will be achieved.
PGIM DC Solutions LLC ("PGIM DC Solutions") is an SEC-registered investment adviser, a Delaware limited liability company, and an affiliate of PGIM, Inc. ("PGIM"), the principal asset management business of Prudential Financial, Inc. ("PFI") of the United States of America. PFI 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. Registration with the SEC does not imply a certain level of skill or training. Any information presented herein regarding the affiliates of PGIM DC Solutions is presented purely to facilitate an organizational overview and is not a solicitation on behalf of any affiliate.
These materials are for informational or educational purposes only and are not intended as an offer or solicitation with respect to the purchase or sale of any security. The information presented is not intended as investment advice and is not a recommendation about managing or investing retirement savings. These materials do not consider individual investment objectives or financial situations.
The PGIM RetireWellTM Advice Engine uses the investment and guaranteed income options that are available in a participant’s retirement plan to make asset allocation recommendations for the participants Managed Account. Some plans may include among their investment options Prudential-affiliated investment funds and insurance products (e.g., mutual funds, exchange-traded funds, collective investment vehicles, annuities) (“Proprietary Products”). These investment options are chosen by the plan provider, plan sponsor or another party selected by the plan sponsor. PGIM DC Solutions has no role in the selection of these investment options. Participants will pay fees to affiliates of PGIM DC Solutions if Proprietary Products are included in the plan sponsor’s investment line-up. For more complete information about an underlying fund that is available in a plan’s investment line-up, including the investment objective, risks, charges and expenses, please see current fund prospectuses or equivalent documents.
PGIM DC Solutions bases its allocation recommendations on information provided by the participant or their agent such as the plan sponsor or recordkeeper for your account. If the participant or their agent provide inaccurate information to PGIM DC Solutions, or fail to provide material information, the quality of the allocation recommendations made by the PGIM RetireWellTM Advice Engine will be impacted. PGIM DC Solutions also relies on each plans recordkeeper to execute the trades that are recommended by the PGIM RetireWellTM Advice Engine. Operational risks arising from failed recordkeeper processes and systems could result in allocation implementation issues resulting in financial loss.
The advice provided by PGIM DC Solutions does not consider a participant’s tax situation, indebtedness, other investments, or specific investment goals. There is no assurance that any asset allocation strategy will be successful. In addition, there can be no assurance that any market or economic scenarios, risk/return expectations or models will prove to be accurate. These materials do not purport to provide any legal, tax or accounting advice.
A plan sponsor may elect to have its participants automatically enrolled into PGIM RetirewellTM Managed Accounts program. This type of plan sponsor directed enrollment may be designated as a qualified default investment alternative (“QDIA”), as permitted under the Employee Retirement Income Security Act (“ERISA”). It is the plan sponsor’s responsibility to select the QDIA for plan participants, including the responsibility to determine the quality of the QDIA and reasonableness of fees. PGIM DC Solutions play no role in this determination.
There is a risk that the PGIM RetireWellTM Advice Engine and its algorithm may include coding shortcomings or errors, issues with the quality of inputs or other similar modeling challenges. Furthermore, the algorithms supporting PGIM RetireWellTM Advice Engine make certain assumptions related to inflation rates, social security benefits, taxes, savings rate etc. These assumptions are subject to change and some are forward looking. They may have inherent short comings that could impact our asset allocation recommendations and the performance of a participants account.
Certain information contained in this document constitute "forward-looking statements," which can be identified by the use of forward-looking terminology such as "may", "will", "should", "expect", "anticipate", "target", "project", "estimate", "intend", "continue" or "believe" or the negatives thereof or other variations thereon or comparable terminology. Due to various risks and uncertainties, actual events or results or the actual performance of the investments may differ materially from those reflected or contemplated in such forward-looking statements. Accordingly, any projections or forecasts should be viewed as merely representative of a broad range of possible outcomes.
Any discussion of risk management is intended to describe the PGIM DC Solutions efforts to monitor and manage risk but does not imply low risk. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment.
© 2025 Prudential Financial, Inc. and it related entities. PGIM, PGIM Investments, PGIM DC Solutions and the PGIM logo are service marks of Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
PGIM DCS - 4968607
