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are advised by Great-West Capital Management, LLC or are sub-advised by affiliates of GWCM. Asset allocation funds may also invest in a fixed-interest contract issued by GWL&A. While certain sub-advised funds
“stock market risk” meaning that stock prices in general (or in particular, the prices of the types of securities in which a fund invests) may decline over short or extended periods of time. When the value of a fund’s
whole, such as changes in economic or political conditions. Equity securities are subject to
be at age 65) and/or begins withdrawing money. The principal value of the funds
the prospectus. Asset allocation funds of Great-West Funds may invest in funds that
by the general assets of the insurance company issuing the contract. The strength of
investment products described, and the plan sponsor is welcome to request more
Equities, LLC and its affiliates may receive compensation with respect to proprietary
Empower Retirement is not acting as an investment advisor for the plan. The information, analyses and fund alternatives described in this material are intended to provide assistance to the plan sponsor or other
are not directly related to them. Consequently, the investment performance
Therefore, performance of a fund will generally be less than its benchmark index.
The price of equity securities may rise or fall because of changes in the broad market or changes in a company’s financial condition, sometimes rapidly or unpredictably. These price movements may result from
a mix of stocks/stock funds and bonds/bond funds. For more information, see
a portion of the Trustee’s management fee, to the extent that the fund’s total
York, by Great-West Life & Annuity Insurance Company of New York that
Real estate securities and trusts involve risks, including declining property values, changes in zoning laws or losses from casualty. Real estate securities that invest in foreign real estate involve additional risks,
is not guaranteed at any time, including the target date. For more information, please refer to the fund prospectus and/or disclosure document. A target date fund will gradually shift its emphasis from more
a negative market value adjustment to the proceeds paid to the plan sponsor or an
annual operating expenses (excluding management fees, service fees, underlying fund fees attributable to dividend and interest expenses on short sales, interest, expenses related to litigation and potential
the contract and/or the contract form, there may also be investment risks
The JPMCB SmartRetirement Funds indirectly bear their proportionate share of the operating expenses of any underlying funds in which they may invest (excluding management fees and service fees).
litigation, and extraordinary expenses not incurred in the ordinary course of the Fund’s business) exceeds 0.04% of the Fund’s average daily new assets through the expense cap expiration date.
worth more or less than the original cost.
Some of the data may have been obtained from Standard & Poor’s (“S&P”) © 2015 The McGraw-Hill Companies, Inc. S&P is a division of The McGraw-Hill Companies, Inc.
The guaranteed fund is a general account group annuity contract issued by Great-West Life & Annuity Insurance Company or, in New
may be managed similar to or modeled after other mutual funds with similar names and investment objectives, the Great-West Funds
The Trustee of the JPMCB SmartRetirement Funds agrees to reimburse the Fund for such fund operating expenses, and/or to waive
be
aggressive investments to more conservative ones based on its target date (which is the assumed retirement date for an investor).
to
be
the guarantee is dependent on the financial strength of the insurance company issuing the contract. Depending on the terms of
A benchmark index is not actively managed, does not have a defined investment objective, and does not incur fees or expenses.
investments and may receive compensation with respect to other plan investments. Other share classes may be available for the
The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed
Asset allocation and balanced investment options and models are subject to the risks of the underlying investments, which can
Shares of Great-West Funds, Inc. are not sold directly to the general public but are offered to permitted accounts as defined in
fiduciary responsible for plan investments and should not be relied upon as the sole basis for any investment decision. GWFS
Investment return and principal value of a variable investment will fluctuate so that an investor's shares when redeemed, may
guarantees principal and credited interest for eligible participant-initiated withdrawals and transfers. The guarantee is backed
Morningstar rankings are based on total return and do not reflect of sales charges, which, if reflected, would reduce returns.
associated with certain plan sponsor actions, including but not limited to a termination of the contract that could result in
factors affecting individual companies, sectors or industries selected for the Fund’s portfolio or the securities market as a
Commodity and real asset investments may be affected by natural disasters and political and economic developments.
Securities of small and mid-size companies may be more volatile than those of larger, more established companies.
There is no guarantee that companies that can issue dividends will declare, continue to pay, or increase dividends .
extended payment period. For more information, please contact Empower Retirement or refer to the contract.
and other features of other mutual funds and any similarly named Great-West Fund may differ substantially.
Services offered by Advised Assets Group, LLC, a registered investment adviser.
securities goes down, an investment in a fund decreases in value.
including currency fluctuations and political developments.
Disclosures
You cannot invest directly in a benchmark index.
the prospectus and/or disclosure documents.
information on the options available.
RO1482321-0121 Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency FOR FINANCIAL PROFESSIONAL AND PLAN SPONSOR USE ONLY.