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Prudential SmartSolution IRA

PERFORMANCE AS OF 9/30/2011

-financial future

Take the smart path toward a more secure

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Get on a smarter path today

You've taken a smart step by investing in your financial future. And now you can determine the most effective investment strategy for you--one that considers your unique needs, investor style and years to retirement--by taking just a few more smart steps.

A Prudential SmartSolution IRA can help. It offers a flexible, straightforward complement to your total retirement income strategy. And regardless of which stage of life you're in, Prudential SmartSolution IRAs can offer the features and benefits that can help you stay on the path through retirement:

· Easy asset allocation with GoalMaker® · Broad investment choice · Automatic rebalancing to help keep you on track

· Personal guidance to help make adjustments as your needs change · Guaranteed interest with PruSecure1 (where available)

1 Guarantees are based on the claimspaying ability of the insurance company and are subject to certain limitations, terms, and conditions.

Investing the smart way

Choosing the right investment mix may be the most important step you take when preparing for a more secure retirement. And it is crucial that you choose investments that can help manage your risk and that fit your investment objectives. An effective way to do this is through asset allocation-- the process of spreading your money among a variety of asset categories, such as stocks, bonds and stable value investments. By dividing your portfolio among a mixture of investment classes, you can help minimize your reliance on any one investment. It's a fact--all asset categories don't respond to the same market forces in the same way or at the same time. With asset allocation, if your investments in one category are performing poorly, you may have assets in another category that are performing well, and the gains in one may offset the losses in the other. Keep in mind that application of asset allocation and diversification

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concepts does not assure a profit or protect against loss in a declining market. It is possible to lose money by investing in securities. Now may be a good time to revisit your asset allocation strategy by:

· using Prudential SmartSolution IRA's asset allocation tool; · contacting a Retirement Counselor 2 at 1-877-778-2100 for assistance; or · going online anytime

Even if you have automatic rebalancing, Prudential Retirement® suggests reviewing your investments at least annually to ensure they still meet your investment goals. Retirement Counselors are registered representatives of Prudential Investment Management Services LLC who will receive compensation if you decide to either roll over your plan account to an individual retirement account (or "IRA") through Prudential or keep your funds in your employer-sponsored retirement plan. The timing and amount of these compensation payments for an IRA rollover is more favorable than for remaining in the plan. Should you choose to roll to an IRA through Prudential, such compensation does not differ based on which IRA you choose or how your money is invested.

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* See disclosure on back cover.

GoalMaker--Prudential's simple asset allocation program

GoalMaker helps take the guesswork out of choosing your investments. It uses two key pieces of information--your investor style and years to retirement--and matches them to one of 12 GoalMaker model portfolios that are best suited to your retirement goals. GoalMaker is an optional asset allocation program available at no additional cost. To help keep your savings strategy on track, GoalMaker periodically rebalances your account to ensure that it maintains your original allocation percentages. And because your financial circumstances and objectives may change over time, you can select a different GoalMaker model portfolio whenever you need to or opt out of the program at any time.

Conservative investors :

generally are concerned about short-term ups and downs in the market, and want to minimize risk and maintain principal.

Moderate investors :

generally are willing to sacrifice safety of principal for potentially greater returns, and can tolerate modest market fluctuations.

Aggressive investors :

generally seek to maximize investment returns, and can tolerate substantial market swings.

Step 1: Determine your investor style

Your investor style is defined by how comfortable you are with short swings in the market. Everyone is different, but investors generally fall into one of these categories: Conservative, Moderate or Aggressive. The descriptions of each investor style above can help you identify which type you are. If you're still not sure after reading the descriptions, click on "GoalMaker" from the "Prudential SmartSolution IRA" page located on www.prudential.com/prs and take our Investor Style Quiz. Then you'll be ready to move on to Step 2. Are you a Conservative, Moderate or Aggressive investor? Write your answer here.

Step 2: "Set" your years to retirement

Now that you know your investor style, you can determine how much time you have until you retire and need to start taking income from your savings. Each investor has a unique expectation for retirement. Think about the age that you will need income from your savings. Subtract your current age from the age when you want to begin taking that income. Write your years to retirement here.

Step 3: Review your GoalMaker portfolio

Now that you know your investor style and the number of years to retirement, you can match your preferences to the GoalMaker portfolio to the right.

Prudential SmartSolution IRA with PruSecure (GIA) Conservative:

16+ years

24% 8% 8% 15% 14% 16% 15%

Moderate:

7% 31% 17% 10% 10% 17% 8%

Aggressive:

19% 36% 19% 13% 13%

YEARS TO RETIREMENT

You can see the percentage of funds in each pie chart, color-coded in the investment lineup corresponding on the following page. Find the suggested portfolio that fits you and your preferences determined in the two-step process or create a portfolio of your own. Need help? For assistance or more information, call 1-877-778-2100 or log on at www.prudential.com/prs.

11-15 years

17% 6% 6% 11% 11%

23%

7%

23%

16%

9% 28%

19%

11% 16% 16%

16% 19%

26%

7% 14% 14%

10% 10%

6-10 years

4% 4% 7% 7%

12% 39%

6% 6%

17%

23%

23% 7%

11%

27%

3% 8% 3% 5% 5% 32%

11%

26%

7% 14% 14%

0-5 years

14%

44%

5% 5% 8% 8% 25%

18%

35%

21%

6% 6% 12% 12% 25%

Prudential SmartSolution IRA with MoneyMart (Nevada, Montana, Utah only)* Conservative:

24% 30%

Moderate:

15% 31% 17%

Aggressive:

19% 36% 19% 13% 13%

16+ years

YEARS TO RETIREMENT

8% 8% 15% 15%

10% 10%

17%

17% 6% 6% 11% 11%

12% 9%

23%

11-15 years

49%

35% 7% 7% 14% 14%

28% 10% 10%

20% 16% 16%

6-10 years

4% 4% 7% 7%

17% 6% 6% 49% 11%

23% 35% 7% 7% 14%

8%

57%

11%

14%

0-5 years

3% 8% 11% 3% 5% 5% 65%

5% 5% 8%

14%

18% 6% 6% 12% 12% 46%

8%

52%

All investing involves various risks, such as; fixed income (interest rate), default, small cap, international and sector -- including the possible loss of principal. An investment in the money market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.

These model portfolios are provided as samples and not as investment recommendations. The model portfolios are based on generally accepted investment practices and take into account the principles of modern portfolio theory, in which allocations are adjusted in an effort to achieve maximum returns for a given level of risk. You may want to consider other assets, income, and investments you may have before applying these models to your individual situation. Please note that in addition to the specific investments used in the GoalMaker model portfolios, other investments may be available under your retirement program. Past performance of investments or asset classes does not guarantee future results.

Performance as of 9/30/2011 (Funds are color-coded to Portfolio allocations on the preceding page.)

Average annual total returns Fund name Ticker Asset category Inception 1 yr 3 yrs 5 yrs

(or since inception)

10 yrs

Gross expense % 0.60 n/a 1.42 1.44 1.40 1.58 1.56 1.64 0.78 1.52 1.56 1.91 1.57 1.71 1.64 1.51 1.79 1.65 1.35 1.75

Net expense % 0.60 n/a 1.17 1.19 1.15 1.33 1.31 1.39 0.56 1.27 1.31 1.65 1.32 1.46 1.39 1.26 1.54 1.40 1.10 1.50

Prudential MoneyMart Assets, Inc. A1 PruSecure (GIA)* Target Total Return Bond R Prudential Government Income R2 Prudential High-Yield R3 Target Large Cap Growth R Prudential Jennison Growth R Prudential Jennison 20/20 Focus R Prudential Stock Index A

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PBMXX N/A TTBRX JDRVX JDYRX TLCRX PJGRX JTWRX PSIAX JDVRX TLVRX PJERX JDERX TSCRX

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Money Market Stable Value Intermediate - Term Bond Intermediate Government High Yield Bond Large Growth Large Growth Large Growth Large Blend Large Blend Large Value Large Value Mid Cap Growth Small Growth Small Growth Small Value Foreign Large Blend Specialty - Natural Resources Specialty - Utilities Specialty - Real Estate

6/11/76 10/1/05 2/28/93 5/17/04 6/3/05 2/28/93 12/17/04 6/10/04 11/18/99 6/3/05 2/28/93 1/18/11 6/3/05 2/28/93 5/10/04 2/28/93 2/28/93 8/22/06 8/21/06 6/13/08

0.01 2.79 2.60 4.99 1.96 0.08 3.97 (1.07) 0.75 (5.52) (4.23) (1.59) 2.13 4.00 (1.33) (1.95) (10.59) (14.15) 4.02 (8.21)

0.26 3.30 10.77 7.60 11.13 0.64 5.18 3.67 0.82 0.34 (2.52) 6.89 6.00 1.87 2.12 1.43 (1.47) 1.76 2.36 (0.29)

1.75 3.63 7.56 5.86 6.32 (1.82) 1.17 0.52 (1.59) (3.17) (5.11) 2.50 3.57 (3.10) 1.03 0.97 (3.00) 4.15 (0.12) (4.11)

1.78 n/a 5.96 4.59 7.57 1.27 2.79 5.57 2.30 3.06 2.88 4.30 7.01 0.29 7.49 9.03 4.33 17.09 6.41 10.04

Prudential Jennison Value R Target Large Cap Value R Prudential Jennison Equity Income R Prudential Jennison Mid Cap Growth R5 Target Small Cap Growth R6 Prudential Jennison Small Company R Target Small Cap Value R6 Target International Equity R

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JSCRX TSVRX TEQRX JNRRX JDURX PURRX

Prudential Jennison Natural Resources R8 Prudential Jennison Utility R8 Prudential Global Real Estate R

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The Prudential SmartSolution investment lineup (as of 9/30/2011): The performance quoted represents past performance. The investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than the original cost. Past performance does not guarantee future results. Current performance may be lower or higher than the performance data quoted. For performance information current to the most recent month-end, please call 1-877-PRU-2100.

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Crediting Rate: 2.55%. Effective 07/01/11; for the period 07/01/11 - 12/31/11. PruSecure (GIA) is not available in all states. An investment in the money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Shares of this fund are not issued or guaranteed by the U.S. Government. High yield ("junk") bonds involve a greater risk of default of payment of principal and interest than higher-rated bonds. Also, these bonds tend to be less liquid than higher-rated securities. Therefore, an investment in the fund may not be appropriate for short-term investing. These performance results represent the change in net asset value of an investment over a stated period, assuming the reinvestment of dividends and capital gains distributions. The performance results shown do not reflect the deduction of the sales charge that may apply if the fund shares were purchased outside of the plans or other programs. This waiver applies because the source of this money is from a retirement plan record kept by Prudential Retirement®. If a sales charge were reflected, performance would be lower. This is the performance that best reflects your investment experience, as sales charges do not apply to your plan. The securities of emerging growth companies are generally subject to greater price fluctuation and investment risk than securities of more established companies. Smaller companies may present greater opportunities for capital appreciation, but also may involve greater risks than larger companies. As a result, the value of stocks issued by smaller companies may go up and down more than stocks of larger issuers. Investing in foreign securities presents certain unique risks not associated with domestic investments, such as currency fluctuation and political and economic changes. This may result in greater share price volatility. Sector funds are subject to risks within their specific sectors because they concentrate their investments in securities of companies within those industries. Therefore, the prices of these securities can be volatile. (disclosures continued on back cover)

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280 Trumbull Street Hartford, CT 06103 www.prudential.com/prs 1-877-778-2100

No hidden fees

The Prudential SmartSolution IRA provides its services-- fund monitoring, professional retirement counseling, planning tools such as GoalMaker, and more--for one inclusive fee. It's simple, straightforward, and smart.

Account balance $100,000 and up $50,000­99,999 $25,000­49,999 Under $25,000

Annual custodial fee** 0.25% ($500 maximum) 0.45% 0.90% 1.10% ($100 minimum)

Investors should carefully consider a fund's investment objectives, risks, charges and expenses before investing. For more complete information about the investment options available through your plan, please call 1-877-778-2100 for a free prospectus that contains this and other information about our funds. For variable insurance products, you should read and consider carefully both the contract prospectus and underlying fund prospectus before investing. It is possible to lose money investing in securities.

Shares of each fund are offered through Prudential Investment Management Services LLC (PIMS), Three Gateway Center, Newark, NJ 07102-4077. PIMS is a Prudential Financial company. Retirement Counselors are registered representatives of PIMS. The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You or your agent may wish to consult independent legal or financial advice before selling or liquidating any assets and prior to the purchase of any life or annuity products being solicited, offered for sale, or sold. Investment advisory services provided by Global Portfolio Strategies, Inc., a registered investment advisor and Prudential Financial company. The fees associated with account balances remaining in the plan will be different from, and are likely to be less than, the fees associated with a rollover IRA. You should review your Plan's provisions to determine whether you are permitted to keep your account balance in the plan sponsored by your former employer or discuss rollover provisions in your new Employer's plan. You may contact Prudential's Participant Service Center at 1-877-778-2100 to obtain a comparison of fees between your former employer's plan record kept by Prudential and an IRA. Prudential is very likely to earn more revenue if funds are rolled over to a Prudential SmartSolution IRA than if maintained in your account balance under your former employer's plan. If you remain in your former employer's plan, the investment choices are selected by a party that has a fiduciary obligation to act in your best interest. The Prudential SmartSolution IRA is not affiliated with any employer-sponsored plan or plan sponsor, and a rollover to an IRA means you are no longer part of an employer-sponsored plan. Once assets are rolled over to an IRA, they normally cannot be rolled back to a former employer's plan. Additional fees may apply for clients terminating accounts with PruSecure (GIA). See the PruSecure (GIA) disclosures for details. Fees that Prudential Retirement and its affiliates receive in connection with investments in these funds include a 12b-1 fee of (0.50%), after waiver, and an annual sub-accounting and/or servicing fee of (.13%) per client invested in the fund.

* The PruSecure (GIA) Account is a group annuity product issued by The Prudential Insurance Company of America (PICA), Newark, NJ 07102. Amounts

contributed to the contract are deposited in PICA'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 PICA. PICA 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 PICA are not insured by the FDIC or any other federal governmental agency. Prudential Retirement is compensated in connection with this product when general account investment returns exceed the interest credited on contract balances. Other than such compensation, there are no additional charges imposed that reduce the interest rate credited. quarter. The Annual custodial fee may be waived for any calendar quarter if 75% or more of your account balance is invested in PruSecure (GIA).

** One quarter of the Prudential SmartSolution fee will be charged quarterly and is based on the total balance of your account at the end of each calendar

Investment results assume all distributions are reinvested and reflect applicable fees and expenses. Target Class R shares and Prudential Investments Class R share funds were introduced after original inception date of the Target Class T and Prudential Investments Class A share funds. Results prior to inception of Target R and Prudential Investments R share funds are hypothetical, based on Target Class T or Prudential Investments Class A share returns at net asset value adjusted for additional distribution and service (12b-1) fees of 0.75% annually. The Portfolio's Distributor has contractually agreed to waive 0.25% annually of the Class R 12b-1 fee. See the individual prospectuses for specific effective dates of the waiver. Hypothetical Class R share returns would be greater with the waiver. In creating hypothetical Class R share returns, no adjustments are made for any differences in other expenses that may or may not impact hypothetical Class R share returns. Please see the fund's most recent shareholder report for actual date of first sale. Expenses are deducted from income earned by the fund. As a result, dividends and investment results will differ for each share class. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. 0183280-00005-00 NOT01FS026 Printed 12/2011

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