PGIM Plan Wellness
Intended for Financial Professional and Institutional Plan Sponsor Use.


A Holistic Approach to Plan Design

A participant can’t expect to achieve individual financial wellness if he or she is investing in a poorly designed, less efficient retirement plan.

By focusing on Plan Wellness, advisers and plan sponsors can build a plan that helps participants achieve successful retirement outcomes while also enabling plan sponsors to make the most efficient use of their dollars.

Expand your thinking beyond individual financial wellness by focusing on three distinct aspects of Plan Wellness:

  • Industry Trends
  • Plan Design
  • Investments

Helpful Resources

The Power of Plan Wellness

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DC Plans at a Crossroads

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Designing a Great 401k Plan in a Time of Transition

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DC Plan Risk, and How to Manage it

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A Great Plan at the Right Price

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Automatic Enrollment and Beyond

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"Nudging" Employees to Save

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Using Target Date Funds to Achieve Retirement Readiness

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These materials are for informational or educational purposes only. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. In providing these materials Prudential Financial, and its affiliates and subsidiaries, are not acting as your fiduciary as defined by the Department of Labor. Please consult with a qualified investment professional if you wish to obtain investment advice.

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 until the date which is ten years prior to 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 retirement income.

A target-date fund should not be selected solely based on age or retirement date. Before investing, participants should carefully consider the fund'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 fund, including losses near and following retirement. Investments in the Funds are not deposits or obligations of any bank and are not insured or guaranteed by any governmental agency or instrumentality.

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Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. Which is headquartered in the United Kingdom.

0299922-00003 Ed. 6/2017