401(k) Specialist Issue 1 - 2017 - 1

PRUDENTIAL DAY ONESM
FUNDS
Optimism Bias
Procrastination
Instant
Gratification
WE'RE LIVING LONGER.
WHY ISN'T OUR RETIREMENT
PLANNING KEEPING UP?
Sometimes our perfectly human tendencies can derail even
the best of intentions. So Prudential designed our target
date funds to help offset today's longer retirements and
counteract behaviors that impede good choices:
Procrastination - Help participants start investing now-a
few extra years of savings can make a big difference in the
long run.
Optimism Bias - Give them a way to manage risk
automatically as they near retirement.
Instant Gratification - Help participants overcome
impulsive spending and choose long-term retirement
investment goals instead.
Prudential now offers its target date funds at an expense
ratio of 0.40% for the lowest price share class, ranking
them among the lowest cost target date funds tracked by
Morningstar.1
Partner with us to see how Prudential Day One Funds
may be right for Defined Contribution plans;
visit PrudentialDayOneFunds.com to learn more.
1Day One Fund expenses are representative of the R6 share class. Peer group is comprised of all Open-ended Morningstar Target Date Funds Institutional Share Classes.
RISKS: Mutual fund investing involves risk. Some mutual funds 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. 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.
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.
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 and for ten years after 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.
Prudential Day One Funds may be offered as: (i) insurance company separate accounts available under group variable annuity contracts issued by Prudential Retirement Insurance
and Annuity Company (PRIAC), Hartford, CT, a Prudential Financial company, (ii) collective investment trust funds established by Prudential Trust Company, as trustee, a Pennsylvania
trust company located in Scranton, PA and a Prudential Financial company, and (iii) registered mutual funds offered through Prudential Investment Management Services LLC (PIMS),
Newark, NJ, a Prudential Financial company. Each of PRIAC and Prudential Trust Company is solely responsible for its own contractual obligations and financial condition. Offers of
the collective investment trust funds may only be made by sales officers of Prudential Trust Company.
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 or call (877) 275-9786 for a prospectus and the summary prospectus. Read them carefully before investing.
© 2017 Prudential Financial, Inc., and its related entities. Prudential, the Prudential logo, the Rock symbol, Prudential Day One, and Bring Your Challenges are service marks of
Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
0289288-00002-00

http://www.PrudentialDayOneFunds.com

401(k) Specialist Issue 1 - 2017

Table of Contents for the Digital Edition of 401(k) Specialist Issue 1 - 2017