Recent Communications - Empower
Recent CommunicationsJPMorgan Chase 401(k) Savings PlanAugust 2020Fund Change BulletinFebruary 2020Match ConfirmationDecember 2019Special Award Questions & Answers Document (U.S.)November 2019Annual Incentive Compensation Election Q&AJanuary 2021January 2021
Fund Change BulletinJPMorgan Chase 401(k) Savings PlanAugust 2020Target Date 2060 Fund and Target Date 2065 Fund will be added on September 14, 2020Two new funds in the JPMorgan Chase 401(k) Savings Plan target date series — the Target Date 2060Fund and the Target Date 2065 Fund — will be added to the investment lineup effective September 14,2020. As a reminder, each Target Date Fund, with the exception of the Target Date Income Fund, has adate in its name that corresponds to an expected "target year” — the date that you expect to startwithdrawing money from your account (generally, when you intend to retire). The 2060 fund may beappropriate for the average investor expecting to retire in the year 2060; whereas the 2065 fund isappropriate for the average investor expecting to retire in the year 2065.What’s changing?On September 14, 2020, the Target Date 2060 Fund and the TargetDate 2065 Fund will be available to all participants. These new fundsuse an asset allocation strategy designed for those expecting toretire or intending to withdraw money from their account aroundthe year 2060 or 2065, respectively.If your account balance, future contributions and/or loanrepayments were defaulted into the Target Date 2055 Fund, thenafter 4 p.m. Eastern time on September 11, 2020, the followingwill occur: If your date of birth is between January 1, 1994, andDecember 31, 1998: Any balance, future contributions and/orloan repayments designated to be invested in the Target Date2055 Fund will automatically be directed to, and invested in,the Target Date 2060 Fund.If your date of birth is January 1, 1999, or later: Any balance,future contributions and/or loan repayments designated to beinvested in the Target Date 2055 Fund will be directed to, andinvested in, the Target Date 2065 Fund.What do you need to do?Given the upcoming changes, you should determine whether takingno action, which will result in automatic transfer to the Target Date2060 Fund or the Target Date 2065 Fund, based on your date ofbirth, is right for you, taking your financial needs and risk toleranceinto account.If the change will not meet your investment objectives, you shouldmake any applicable changes to your investment elections prior to4 p.m. Eastern time on September 11, 2020.AudienceU.S. benefits-eligible employeesand participants (includingbeneficiaries and alternatepayees) in the JPMorgan Chase401(k) Savings Plan whoseaccount balance, futurecontributions and/or loanrepayments are invested bydefault in the Target Date 2055Fund and were born on or afterJanuary 1, 1994.Important note:If you take no action bySeptember 11, 2020, andamounts are automaticallytransferred from the TargetDate 2055 Fund to the TargetDate 2060 Fund or the TargetDate 2065 Fund, you will beconsidered to have directedyour investments in your 401(k)account. This means that, underSection 404(c) of the EmployeeRetirement Income Security Act(ERISA), plan fiduciaries, as wellas your employer, will not beresponsible for any lossesrelating to amounts reallocatedto the Target Date 2060 Fund orthe Target Date 2065 Fund.If your Target Date 2055 Fund balance, future contributions and/orloan repayments are automatically redirected because you did nottake any action by the deadline, you can subsequently transfer these amounts from the Target Date2060 Fund or the Target Date 2065 Fund to other funds in the Plan beginning September 14, 2020.You can make changes to your existing investments, and/or change how your future contributions andloan repayments will be invested, through the 401(k) Savings Plan Web Center or Call Center.Back to top
Comparison of the fundsTarget Date Funds are lifecycle investment options comprising a mix of underlying investment fundsacross a broad range of asset classes. The funds seek total return as appropriate for the target datelisted within the fund name (2055 through 2065). Target Date Funds invest in a mix of equity, fixedincome, Real Estate Investment Trusts (REITs), Inflation-Protected Securities (IPS) and cash to a varyingdegree depending on the appropriate risk level for the average investor expecting to retire at each ofthe target dates. As each Target Date Fund approaches its target date, the portfolio’s asset allocationwill shift to a more conservative mix. The principal value of the fund(s) is not guaranteed at any time,including at the time of target date and/or withdrawal, meaning you can lose money.Based on your date of birth, the table below will help you identify which default investment fund youwill transition to if no action is taken.Birth Year RangeFund NameExpenseRatioJanuary 1, 1989 –Current Fund:0.03%December 31, 1993Target Date 2055 FundJanuary 1, 1994 –Replacement Fund:0.03%*December 31, 1998Target Date 2060 FundJanuary 1, 1999 orReplacement Fund:0.03%*laterTarget Date 2065 Fund*The expense ratio for this Fund is estimated to be 0.03%.Inception DateBenchmarkJanuary 12, 2015S&P Target Date 2055September 14, 2020S&P Target Date 2060 September 14, 2020S&P Target Date 2060 Review your investmentsYou should regularly review your investments in the plan to ensure that the allocation of your balances —and, if applicable, future contributions and loan repayments — continues to meet your long-term financialneeds and objectives.More informationIf you are currently invested in the Target Date 2055 Fund, you are encouraged to review the TargetDate 2060 Fund profile and Target Date 2065 Fund profile. Keep in mind, the asset allocation of theTarget Date 2060 Fund and the Target Date 2065 Fund is identical to the Target Date 2055 Fund at thistime and is not expected to diverge from the Target Date 2055 Fund for a number of years.To learn more about the plan’s investment options, visit the 401(k) Savings Plan Web Center. You canfind detailed fund information, including fund fact sheets and the Investment Fund Profiles brochure,which explains the investment risks and strategies for each investment option within the plan andprovides a glossary of important investment terms. The Participant Fee Disclosure Notice is alsoavailable on the Web Center. This notice is issued annually and provides detailed information regardinginvestment performance and the fees and expenses charged under these investment options.Contact information401(k) Savings Plan Web CenterYou can obtain account information and conduct transactions via the 401(k) Savings Plan Web Centerthrough My Rewards: From Work: My Rewards from the intranetFrom Home: myrewards.jpmorganchase.comBack to top2
401(k) Savings Plan Call CenterIf you have questions about this Bulletin or about the 401(k) Savings Plan in general, please contactthe 401(k) Savings Plan Call Center at 1-866-JPMC401k (1-866-576-2401), or 1-303-737-7204 if callingfrom outside the United States. (The TTY number is 1-800-345-1833.) Client Service Representativesare available Monday through Friday, from 8 a.m. to 10 p.m. Eastern time, except New York StockExchange holidays.This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933.This is a summary of material modification to the Summary Plan Description for the JPMorgan Chase 401(k) Savings Plan.The investment funds in the plan are separate accounts created specifically for the 401(k) Savings Plan or collective investmenttrust funds established and maintained by a bank/trust company under a declaration of trust, with the exception of theJPMorgan Chase Common Stock Fund. These funds are not registered investment products and are not required to file aprospectus or registration statement with the SEC and accordingly neither is available. For the name of the fund advisor, pleasesee the details in the Investment Fund Profiles brochure or call 1-866-JPMC401k (1-866-576-2401).Investments in the funds are not deposits or obligations of — nor guaranteed by — JPMorgan Chase & Co., JPMorgan ChaseBank, N.A. or any of their subsidiaries. The funds are not insured by the Federal Deposit Insurance Corporation (FDIC) or theFederal Reserve Board. Investments in funds involve risk, including possible loss of the principal amount invested. Returns andshare prices will fluctuate, and redemption value may be more or less than original cost.The date in the name of the Target Date Fund is the assumed date of retirement. The asset allocation becomes moreconservative as the fund nears the target retirement date; however, the principal value of the fund is never guaranteed.Asset allocation and balanced investment options and models are subject to the risks of their underlying investments.The indices and benchmarks referenced within this communication are unmanaged and used to represent certain overall broadbased asset classes, or in the case of the Target Date Fund benchmarks, comprised of multiple indices that are unmanaged andrepresent broad-based asset classes. The index return is for illustrative purposes only and is not intended to be indicative of fundperformance. It is not possible to invest directly into an index.Expense ratios provided are the Target Date Funds' total annual operating expense ratios.Participants may choose to invest in any of the Target Date Funds or any other investments in the lineup. As with allinvestments, the principal value of the Target Date Fund(s) or any other investment in the lineup is not guaranteed at any time,including at the target date.Asset allocation, diversification, dollar-cost averaging and/or rebalancing do not ensure a profit or protect against loss.Securities offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement,LLC; Great-West Funds, Inc.; and registered investment adviser, Advised Assets Group, LLC. This material is for informationalpurposes only and is not intended to provide investment, legal or tax recommendations or advice.Investing involves risk, including possible loss of principal.The JPMorgan Chase U.S. Benefits Program generally is available to most employees on a U.S. payroll who are regularlyscheduled to work 20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to theextent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. This information does not include all of thedetails contained in the applicable insurance contracts, plan documents and trust agreements. If there is any discrepancybetween this information and the governing documents, the governing documents will control. JPMorgan Chase & Co. expresslyreserves the right to amend, modify, reduce, change or terminate its benefits and plans at any time. The JPMorgan Chase U.S.Benefits Program does not create a contract or guarantee of employment between JPMorgan Chase and any individual.JPMorgan Chase or you may terminate the employment relationship at any time.RO1248445-0720Back to top3
February 2020Dear Participant:Congratulations! Matching contributions were credited to your account in the JPMorgan Chase401(k) Savings Plan (Plan) on February 3, 2020. Saving for retirement is important, and bycontributing to the Plan, you are taking advantage of a valuable benefit provided by the company.About the matchThe following are details about the matching contribution: For 2019, JPMorgan Chase provided you with dollar-for-dollar matching contributions of up to5% of your Eligible Compensation (base salary/regular pay and any annual and non-annualcash incentives you received).Matching contributions are calculated and credited on an annual basis following the end of thecalendar year.The match credited to your account was based on eligible contributions and compensation paidfrom January through December 2019. (Please note: If you completed your first year of servicein 2019, only contributions you made, and compensation paid, on or after the first day of themonth following completion of one year of service are eligible for matching contributions.)The matching contribution was invested according to your investment elections on file for allfuture contributions to the Plan.View your accountYou can view the company match allocated to your plan account on the 401(k) Savings PlanWeb Center via My Rewards from the intranet (or go to myrewards.jpmorganchase.com fromthe Internet). From there, click the “Transaction history” link under the Account Information section.The matching contribution will also be reflected on your first quarter 2020 statement, which will beavailable in the coming months. (Please note: Any matching contributions related to the 2018 planyear are reflected on your statement ending December 31, 2019. You can access this statementon the Web Center in the Account Information section under “Statements and documents.”)Contact informationIf you have questions, contact the 401(k) Savings Plan Call Center at 1-866-JPMC401k(1-866-576-2401), or 1-303-737-7204 if calling from outside the United States. (The TTY numberis 1-800-345-1833.) Client Service Representatives are available from 8 a.m. to 10 p.m. Easterntime, Monday through Friday, except New York Stock Exchange holidays.Sincerely,JPMorgan Chase Corporate BenefitsBack to top 1
The JPMorgan Chase U.S. Benefits Program generally is available to most employees on a U.S. payroll who areregularly scheduled to work 20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of itssubsidiaries to the extent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. This informationdoes not include all of the details contained in the applicable insurance contracts, plan documents, and trust agreements.If there is any discrepancy between this information and the governing documents, the governing documents will control.JPMorgan Chase & Co. expressly reserves the right to amend, modify, reduce, change, or terminate its benefits andplans at any time. The JPMorgan Chase U.S. Benefits Program does not create a contract or guarantee of employmentbetween JPMorgan Chase and any individual. JPMorgan Chase or you may terminate the employment relationship atany time.Securities offered by GWFS Equities, Inc., Member FINRA/SIPC, marketed under the Empower brand. GWFS isaffiliated with Great-West Funds, Inc.; Great-West Trust Company, LLC; and registered investment advisers AdvisedAssets Group, LLC and Great-West Capital Management, LLC, marketed under the Great-West Investments brand.This material has been prepared for informational and educational purposes only and is not intended to provideinvestment, legal or tax advice.RO1045506-0120Back to top 2
Special Award – Q&As for U.S. EmployeesThe following Questions & Answers highlight important information regarding the Special Award (“Award”) to bemade in late January 2020 to U.S. benefits-eligible employees who meet the award criteria.1. What is the Special Award?The Award is a contribution made by the company to the 401(k) Savings Plan account of eligible employeesin late January 2020. The Award is a maximum of US 750, not to exceed 7.5% of your annual base salary.2. Why is JPMorgan Chase granting this Special Award?JPMorgan Chase is making this Award to recognize employees for their outstanding dedication to servingour customers, communities and shareholders, and so that employees at all levels may be recognized fortheir contributions to our company’s performance in 2019.3. Who is eligible for the Special Award?You are eligible for the award if you meet all of the following criteria: You are eligible to participate in the JPMorgan Chase U.S. Benefits Program as of December 31, 20191; You have at least one year of service2 with JPMorgan Chase as of December 31, 2019; You are employed with JPMorgan Chase on the date the award is distributed; and Your 2020 “Total Annual Cash Compensation”3 (determined as of August 1, 2019) is less than 60,000. The2020 Total Annual Cash Compensation is the same compensation that was used to determine your paytier for JPMorgan Chase 2020 medical plan contributions and can be found on the Benefits Web Center. 44. How will the Special Award be paid?For eligible employees, the Award amount will be contributed directly to your 401(k) Savings Plan account inlate January 2020.5. What if I don’t participate in the 401(k) Savings Plan?If you don’t currently participate in the 401(k) Savings Plan, an account will be set up for you. No action isrequired on your part.6. Why is the Special Award being made to the 401(k) Savings Plan?Investing for the future is important, so the Award is being distributed in a way that will help you build afinancially secure retirement.7. When will I become vested in my Special Award?You are immediately fully vested in the Award, meaning you will not lose the Award if you leave the firm.8. Can I direct the investment of my Special Award on my own?The Award will be invested according to the investment elections on file for all future contributions to the401(k) Savings Plan. If you have no investment elections under the Plan, the Award will be invested in theTarget Date Fund that most closely aligns with the year in which you will turn age 65. Once the Award ismade, it’s immediately transferrable and can be invested in any of the investment funds offered under thePlan.9. Can the Special Award be used for loans and hardship withdrawals from the 401(k) Savings Plan?Yes.10. Will income taxes be deducted from the Special Award?Income taxes on the Award will be deferred until you take a distribution from your 401(k) Savings Plan.Back to top1
11. Will this Special Award be awarded annually?The Special Award is not intended to be automatically granted on an annual basis. The Award is made at thefirm’s discretion and receipt of the Award does not mean that you will receive another award in the future.12. Where can I go for more information on the Special Award and my eligibility?This document summarizes the information available at this time. If you are an eligible employee, you willreceive a communication in February 2020 confirming your Award.13. Where can I go for more information about the JPMorgan Chase 401(k) Savings Plan?For more information about the 401(k) Savings Plan: Visit me@jpmc Benefits & Rewards Benefits & Rewards Home Retirement Savings. If you are currently enrolled in the Plan, go to the 401(k) Savings Plan Web Center via My Rewards fromthe intranet or myrewards.jpmorganchase.com from the internet. Contact the 401(k) Savings Plan Call Center at 1-866-JPMC401k (1-866-576-2401). (The TTY number is1-800-345-1833.) Representatives are available from 8 a.m. to 10 p.m. Eastern time, Monday throughFriday, except New York Stock Exchange holidays.1Benefits eligibility: The JPMorgan Chase U.S. Benefits Program generally is available to most employees on a U.S. payroll who areregularly scheduled to work 20 or more hours a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to theextent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. Note: InstaMed employees become eligible toparticipate in the U.S. Benefits Program on January 1, 2020, and therefore are not eligible for the 2019 Special Award.2Service: For purposes of this Special Award, “service” is generally defined as the period beginning on your first day actively at work as anemployee of JPMorgan Chase or an affiliate and ending when your employment ends. This generally includes all periods of employmentwith JPMorgan Chase or any of the merged companies that have become part of JPMorgan Chase.3Total Annual Cash Compensation: For purposes of this Special Award, your “Total Annual Cash Compensation” generally includes yourrate of base salary/regular pay plus any applicable job differential pay (e.g., shift pay) as of August 1, 2019, plus any cash earnings fromany incentive plans (e.g., annual incentive, commissions, draws, overrides, and special recognition payments or incentives) that are paidto or deferred by you for the 12-month period ending July 31, 2019. Overtime pay is not included.4To see your 2020 Total Annual Cash Compensation: Go to the My Health widget via me@jpmc My Health Benefits Web Center Your Profile Personal Information Personal Details 2020 Annual Total Cash Compensation for Medical Contributions.The Special Award will be awarded to eligible employees of JPMorgan Chase & Co. and any of its subsidiaries that were at least 80%owned by JPMorgan Chase & Co. and who were participating in JPMorgan Chase’s benefits programs on the contribution date. ThisSpecial Award does not confer on an eligible employee any right or entitlement to, nor does the Award impose any obligation onJPMorgan Chase to provide, the same or any similar award in the future. No payments under the award shall be taken into account assalary or other relevant compensation in determining an eligible employee’s benefits under any compensation, pension or welfare plan,program, or arrangement maintained by JPMorgan Chase. This program (or a similar one) applies to eligible employees outside the UnitedStates, unless the laws of a particular jurisdiction restrict or otherwise do not make it feasible to extend the benefits of the program toemployees located in that jurisdiction.The JPMorgan Chase U.S. Benefits Program generally is available to most employees on a U.S. payroll who are regularly scheduled to work20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to the extent that such subsidiary hasadopted the JPMorgan Chase U.S. Benefits Program. This information does not include all of the details contained in the applicableinsurance contracts, plan documents and trust agreements. If there is any discrepancy between this information and the governingdocuments, the governing documents will control. JPMorgan Chase & Co. expressly reserves the right to amend, modify, reduce, changeor terminate its benefits and plans at any time. The JPMorgan Chase U.S. Benefits Program does not create a contract or guarantee ofemployment between JPMorgan Chase and any individual. JPMorgan or you may terminate the employment relationship at any time.December 2019Back to top2
JPMorgan Chase 401(k) Savings PlanAnnual Incentive Compensation Election – Q&AThe following Questions & Answers highlight some important information regarding the JPMorgan Chase401(k) Savings Plan (Plan) Annual Incentive Compensation election.Important NoteThe 401(k) Savings Plan contribution elections for Annual Incentive Compensation are made prior toknowing how much, if any, Annual Incentive Compensation you may receive. It’s important that youmake informed decisions only after carefully reading all of the plan-related materials, includinginformation on the investment funds. (For copies of these materials, please see “Contact Information.”)You may also want to consult a financial planner regarding a strategy that’s right for you.1. What is Annual Incentive Compensation?Annual Incentive Compensation is the annual cash incentive compensation awarded under the firm’sPerformance-Based Incentive Plan (generally paid in January) or Branch Profitability Incentive Plan(generally paid in February).2. There are two separate contribution rates: “per-pay rate” and “Annual Incentive Compensation Rate.”What do these refer to? Per-pay (Standard) rate – applies to your Ongoing Compensation (base salary/regular pay and anynon-annual cash incentives you receive). Non-annual incentive compensation includes cashincentives that are paid throughout the year, such as sales awards and monthly and quarterlyincentives. It also includes any cash incentives paid annually other than Annual IncentiveCompensation. Annual Incentive Compensation (Other) rate – applies only to the cash compensation awarded, ifany, under the firm’s Performance-Based Incentive Plan (generally paid in January) or BranchProfitability Incentive Plan (generally paid in February).Your per-pay rate is not applied to the cash portion of your Annual Incentive Compensation, if any. Youcan contribute from your per-pay Ongoing Compensation, your Annual Incentive Compensation (if any), orboth, up to the annual legal limits. See Q&A #10 for more information on limits.3. What if I do nothing?The percentage that you have on file as your per-pay (Standard) rate will continue to be applied to yourbase salary/regular pay as well as any non-annual incentive compensation. You can change this rate at anytime, and the change will take effect as soon as administratively feasible.If you do not proactively make a new contribution election for Annual Incentive Compensation (Other), ifany, your rate on file from previous years will be applied — whether that is 0% or any other election — asof the deadline on the last business day of the calendar year.11If you are subject to a quarterly window period and you have an investment election on file to direct future contributions to the JPMorgan Chase Common StockFund, you may only make an election during an open window period.November 20191Back to top
4. Are there any special considerations for employees whohave been here less than one year?A significant consideration is whether your AnnualIncentive Compensation is match eligible.2 If you werehired in 2019, any Annual Incentive Compensation youreceive in early 2020 will likely be ineligible for matchingcontributions as only contributions you make — andcompensation paid — beginning the first day of themonth after completing one year of service are eligible tobe matched. For example, Sally was hired on February 1,2019, and will become eligible for matching contributionson March 1, 2020. Any contributions she makes to theplan between February 1, 2019, and February 29, 2020,are not eligible for matching contributions. Any amountsup to 5% of Eligible Compensation contributed fromMarch 1, 2020, through the end of 2020 will be matchedassuming Sally is employed as of December 31, 2020.Keep in mind that there is an annual IRS limit on youremployee contributions. See Q&A #10 for moreinformation on limits.Company matchThe 401(k) Savings Plan provides a dollarfor-dollar match up to 5% of EligibleCompensation, which includes AnnualIncentive Compensation, for eligibleemployees.2 Eligible Compensation is thesum of your Ongoing Compensation (basesalary/regular pay and any non-annual cashincentives you receive) and your AnnualIncentive Compensation. It does notinclude overtime payments, sign-on bonusand similar awards, referral awards,stipends, non-cash awards (such as equityawards) and allowances. One simple way toensure that you receive the full 5% matchis to contribute 5% of your AnnualIncentive Compensation (if any) plus 5% ofyour Ongoing (per-pay) Compensationthroughout the year.5. How can I maximize my 401(k) match if I receive Annual Incentive Compensation but do not contributefrom it?Any Annual Incentive Compensation award you receive beginning the first of the month after youcomplete one year of service is included in your maximum match-eligible compensation for that year.Therefore, if you do not contribute from the cash portion of your Annual Incentive Compensation, you mayneed to increase your per-pay (Standard) contribution rate throughout the year to get to at least 5% ofyour Eligible Compensation. Remember, you need to contribute 5% of your Eligible Compensation for theyear to maximize the matching contribution the firm provides. If you’d like assistance modeling differentcontribution scenarios, please call the 401(k) Savings Plan Call Center and a Client Service Representativecan assist you.6. When can I make my 401(k) contribution election for Annual Incentive Compensation?You can elect to contribute from the cash portion of your Annual Incentive Compensation fromthe first business day in March through the last business day of the calendar year.3 Please note: You mustmake your contribution election prior to knowing how much, if any, Annual Incentive Compensation youmay receive. The election on file as of the last business day of the calendar year is irrevocable and will beapplied to the cash portion of any Annual Incentive Compensation you may receive the following January(or February).2Generally, you must have Total Annual Cash Compensation of less than 250,000 and be actively employed on December 31 to receive matching contributions forthat year. You’re eligible for the company match after one year of service. Only contributions made, and compensation earned, after one year of service are matcheligible. For the purposes of determining your eligibility to receive matching contributions under the 401(k) Savings Plan, your Total Annual Cash Compensation isrecalculated as of each August 1 to take effect the following January 1 and remain unchanged throughout the year. To view your Total Annual Cash Compensationamount, go to the My Health widget via me@jpmc My Health Benefits Web Center Your Profile Personal Information Personal Details Annual Total CashCompensation for Medical Contributions.3If you are subject to a quarterly window period and you have an investment election on file to direct future contributions to the JPMorgan Chase Common StockFund, you may only make an election during an open window period.November 20192Back to top
7. What if I made an Annual Incentive Compensation election in a previous year?If you have a 401(k) Annual Incentive Compensation contribution election on file from a previous year, that electionwill continue to be in effect this year unless you change it (to 0% or any other percentage) before the deadline onthe last business day of the calendar year.4For example: You elected to contribute 10% of the
Two new funds in the JPMorgan Chase 401(k) Savings Plan target date series — the Target Date 2060 Fund and the Target Date 2065 Fund — will be added to the investment lineup effective September 14 , 2020. As a reminder, each Target Date Fund, with the exception of the Target Date Income Fund, has a .
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