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Investments

Explore the broad range of investment options available to help you achieve your retirement goals.

About your investments

Your plan includes an investment lineup with a diverse array of options. These investment choices represent a broad spectrum of asset classes and risk/return characteristics to allow you to tailor your account to help meet your particular financial goals and match your investing style.

Target-date funds

To help meet the needs of those who perhaps don’t have the time or interest in creating their own investment portfolios, our lineup also includes target-date funds.

Target date funds let you choose a professionally allocated portfolio based on the target date of the fund. The target date is the approximate date when investors in the fund would expect to retire or begin taking withdrawals.

To learn more about any of the funds available in our investment line-up, Fund Fact Sheets are available via the links on this page. Select a fund name from the list to view a PDF (  ) that offers a closer look at more details about the fund’s performance, fees and underlying investments.

Footnote. Star or asterisk at the end of the fund name indicates a registered mutual fund. End footnote.

Fund Fact Sheet User’s Guide

This helpful guide provides a glossary of terms and benchmark definitions commonly found on the downloadable Fund Fact Sheets.

Download the Fund Fact Sheet User's Guide PDF File opens in a new window

All investing involves various risks, including the possible loss of principal. You can lose money by investing in securities.

The target date is the approximate date when investors plan to retire and may begin withdrawing their money. The asset allocation of the target date funds will become more conservative as the target date approaches by lessening the equity exposure and increasing the exposure in fixed income type 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 retirement income.
A target date fund should not be selected based solely on age or retirement date. Participants should carefully consider the investment objectives, risks, charges and expenses of any Fund before investing. Funds are not guaranteed investments and the stated asset allocation may be subject to change. It is possible to lose money by investing in securities, including losses near and following retirement.

Investors should consider a fund’s investment objectives, risks, charges and expenses before investing. The prospectus and if available the summary prospectus contain complete information about the investment options available through your plan. Please call 877-PRU-2100 (877-778-2100) for a free prospectus and if available a summary prospectus that contain this and other information about our mutual funds. You should read the prospectus, and the summary prospectus if available, carefully before investing. You can lose money by investing in securities.

Shares of the registered mutual funds are offered through Prudential Investment Management Services LLC (PIMS), Newark, NJ, a Prudential Financial company. Prudential Retirement is a Prudential Financial Business. Retirement Counselors are registered representatives of PIMS.

The Guaranteed Income Fund (GIF) is a group annuity product issued by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT 06103. Amounts contributed to the contract are deposited in PRIAC's general account. Payment obligations and the fulfillment of any guarantees specified in the group annuity contract are insurance claims supported by the full faith and credit of PRIAC. PRIAC periodically resets the interest rate credited on contract balances, subject to a minimum rate specified in the group annuity contract. Past interest rates are not indicative of future rates. This product is neither a mutual fund nor a bank product. The obligations of PRIAC are not insured by the FDIC or any other federal governmental agency. Contract form # GA-2020-IA-0805 or state variation thereof.

Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest credited on contract balances. Prudential Retirement may earn fee revenue in addition to the foregoing compensation if your plan has agreed to pay contract charges, which are sometimes paid in respect of plan and participant recordkeeping and distribution services. For some plans, Prudential Retirement uses a portion of its aggregate compensation to satisfy the plan's request for allowances and for payments to defray plan expenses. If Prudential Retirement's aggregate compensation from this product and from other plan investment products exceeds the costs of servicing your plan, Prudential Retirement earns a profit; otherwise we incur a loss.

Frequent exchanging between plan investment options may harm long‐term investors. Your plan or the plan's investment funds may have provisions to deter exchanges that may be abusive. These policies may require us to modify, restrict or suspend purchase or exchange privileges and/or impose redemption fees.

Amounts withdrawn, except for qualified withdrawals from a Roth 403(b), are generally taxed at ordinary income tax rates. Amounts withdrawn before age 59½ may be subject to a 10% federal income tax penalty, applicable taxes and plan restrictions. Neither Prudential Financial nor any of its affiliates provide tax or legal advice for which you should consult your qualified professional.

Participants using the Retirement Income Calculator should consider other assets, income and investments (e.g. equity in a home, Social Security benefits, individual retirement plan investments, etc.) when assessing the adequacy of the estimated income stream as provided by this tool. The Retirement Income Calculator is hypothetical and for illustrative purposes only and is not intended to represent performance of any specific investment, which may fluctuate. There is no assurance that retirement income objectives will be met. You can lose money by investing in securities.