| |
1 | |
7 | |
13 | |
19 | |
25 | |
25 | |
26 | |
36 | |
37 | |
37 | |
37 | |
37 | |
39 | |
39 | |
40 | |
41 | |
43 |
44 | |
46 | |
46 | |
47 | |
48 | |
50 | |
51 | |
51 | |
52 | |
53 | |
53 | |
53 | |
53 | |
53 | |
56 | |
64 | |
Back
cover |
| |
|
Class
R6 |
Management
Fees |
|
Distribution
(Rule 12b-1) Fees |
|
Other
Expenses |
|
Service
Fees |
|
Remainder
of Other Expenses |
|
Acquired
Fund (Underlying Fund) Fees and
Expenses |
|
Total
Annual Fund Operating Expenses |
|
| ||||
|
1
Year |
3
Years |
5
Years |
10
Years |
CLASS
R6 SHARES ($) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||
|
Past
1
Year |
Past
5
Years |
Past
10
Years |
CLASS
R6 SHARES |
|
|
|
Return
Before Taxes |
-
% |
% |
% |
Return
After Taxes on Distributions |
- |
|
|
Return
After Taxes on Distributions and
Sale
of Fund Shares |
- |
|
|
BLOOMBERG
U.S. INTERMEDIATE
AGGREGATE
INDEX
(Reflects
No Deduction for Fees,
Expenses,
or Taxes) |
- |
|
|
RUSSELL
3000 INDEX
(Reflects
No Deduction for Fees,
Expenses,
or Taxes) |
- |
|
|
MSCI
EAFE INDEX
(Net
Total Return)
(Reflects
No Deduction for Fees,
Expenses,
or Taxes, Except Foreign
Withholding
Taxes) |
- |
|
|
LIPPER
MIXED-ASSET TARGET
ALLOCATION
CONSERVATIVE FUNDS
INDEX
(Reflects
No Deduction for Taxes) |
- |
|
|
Portfolio
Manager |
Managed
Fund
Since |
Primary
Title with
Investment
Adviser |
Ove
Fladberg |
2010 |
Managing
Director |
Michael
Loeffler |
2005 |
Executive
Director |
Nicholas
D’Eramo |
2014 |
Executive
Director |
Anshul
Mohan |
2016 |
Executive
Director |
Luying
Wei |
2022 |
Executive
Director |
For
Class R6 Shares |
|
To
establish an account |
$5,000,000
for Discretionary Accounts |
|
$5,000,000
for Institutional Investors |
|
$15,000,000
for Other Investors |
To
add to an account |
No
minimum levels |
| |
|
Class
R6 |
Management
Fees |
|
Distribution
(Rule 12b-1) Fees |
|
Other
Expenses |
|
Service
Fees |
|
Remainder
of Other Expenses |
|
Acquired
Fund (Underlying Fund) Fees and
Expenses |
|
Total
Annual Fund Operating Expenses |
|
| ||||
|
1
Year |
3
Years |
5
Years |
10
Years |
CLASS
R6 SHARES ($) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||
|
Past
1
Year |
Past
5
Years |
Past
10
Years |
CLASS
R6 SHARES |
|
|
|
Return
Before Taxes |
-
% |
% |
% |
Return
After Taxes on Distributions |
- |
|
|
Return
After Taxes on Distributions and
Sale
of Fund Shares |
- |
|
|
BLOOMBERG
U.S. INTERMEDIATE
AGGREGATE
INDEX
(Reflects
No Deduction for Fees,
Expenses,
or Taxes) |
- |
|
|
RUSSELL
3000 INDEX
(Reflects
No Deduction for Fees,
Expenses,
or Taxes) |
- |
|
|
MSCI
EAFE INDEX
(Net
Total Return)
(Reflects
No Deduction for Fees,
Expenses,
or Taxes, Except Foreign
Withholding
Taxes) |
- |
|
|
LIPPER
MIXED-ASSET TARGET
ALLOCATION
MODERATE FUNDS
INDEX
(Reflects
No Deduction for Taxes) |
- |
|
|
Portfolio
Manager |
Managed
Fund
Since |
Primary
Title with
Investment
Adviser |
Ove
Fladberg |
2010 |
Managing
Director |
Michael
Loeffler |
2005 |
Executive
Director |
Nicholas
D’Eramo |
2014 |
Executive
Director |
Anshul
Mohan |
2016 |
Executive
Director |
Luying
Wei |
2022 |
Executive
Director |
For
Class R6 Shares |
|
To
establish an account |
$5,000,000
for Discretionary Accounts |
|
$5,000,000
for Institutional Investors |
|
$15,000,000
for Other Investors |
To
add to an account |
No
minimum levels |
| |
|
Class
R6 |
Management
Fees |
|
Distribution
(Rule 12b-1) Fees |
|
Other
Expenses |
|
Service
Fees |
|
Remainder
of Other Expenses |
|
Acquired
Fund (Underlying Fund) Fees and
Expenses |
|
Total
Annual Fund Operating Expenses |
|
| ||||
|
1
Year |
3
Years |
5
Years |
10
Years |
CLASS
R6 SHARES ($) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||
|
Past
1
Year |
Past
5
Years |
Past
10
Years |
CLASS
R6 SHARES |
|
|
|
Return
Before Taxes |
-
% |
% |
% |
Return
After Taxes on Distributions |
- |
|
|
Return
After Taxes on Distributions and
Sale
of Fund Shares |
- |
|
|
RUSSELL
3000 INDEX
(Reflects
No Deduction for Fees,
Expenses,
or Taxes) |
- |
|
|
BLOOMBERG
U.S. INTERMEDIATE
AGGREGATE
INDEX
(Reflects
No Deduction for Fees,
Expenses,
or Taxes) |
- |
|
|
MSCI
EAFE INDEX
(Net
Total Return)
(Reflects
No Deduction for Fees,
Expenses,
or Taxes, Except Foreign
Withholding
Taxes) |
- |
|
|
LIPPER
MIXED-ASSET TARGET
ALLOCATION
GROWTH FUNDS INDEX
(Reflects
No Deduction for Taxes) |
- |
|
|
Portfolio
Manager |
Managed
Fund
Since |
Primary
Title with
Investment
Adviser |
Ove
Fladberg |
2010 |
Managing
Director |
Michael
Loeffler |
2005 |
Executive
Director |
Nicholas
D’Eramo |
2014 |
Executive
Director |
Anshul
Mohan |
2016 |
Executive
Director |
Luying
Wei |
2022 |
Executive
Director |
For
Class R6 Shares |
|
To
establish an account |
$5,000,000
for Discretionary Accounts |
|
$5,000,000
for Institutional Investors |
|
$15,000,000
for Other Investors |
To
add to an account |
No
minimum levels |
| |
|
Class
R6 |
Management
Fees |
|
Distribution
(Rule 12b-1) Fees |
|
Other
Expenses |
|
Service
Fees |
|
Remainder
of Other Expenses |
|
Acquired
Fund (Underlying Fund) Fees and
Expenses |
|
Total
Annual Fund Operating Expenses |
|
| ||||
|
1
Year |
3
Years |
5
Years |
10
Years |
CLASS
R6 SHARES ($) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||
|
Past
1
Year |
Past
5
Years |
Past
10
Years |
CLASS
R6 SHARES |
|
|
|
Return
Before Taxes |
-
% |
% |
% |
Return
After Taxes on Distributions |
- |
|
|
Return
After Taxes on Distributions and
Sale
of Fund Shares |
- |
|
|
RUSSELL
3000 INDEX
(Reflects
No Deduction for Fees,
Expenses,
or Taxes) |
- |
|
|
BLOOMBERG
U.S. INTERMEDIATE
AGGREGATE
INDEX
(Reflects
No Deduction for Fees,
Expenses,
or Taxes) |
- |
|
|
MSCI
EAFE INDEX
(Net
Total Return)
(Reflects
No Deduction for Fees,
Expenses,
or Taxes, Except Foreign
Withholding
Taxes) |
- |
|
|
LIPPER
MIXED-ASSET TARGET
ALLOCATION
AGGRESSIVE GROWTH
FUNDS
INDEX
(Reflects
No Deduction for Taxes) |
- |
|
|
Portfolio
Manager |
Managed
Fund
Since |
Primary
Title with
Investment
Adviser |
Ove
Fladberg |
2010 |
Managing
Director |
Michael
Loeffler |
2005 |
Executive
Director |
Nicholas
D’Eramo |
2014 |
Executive
Director |
Anshul
Mohan |
2016 |
Executive
Director |
Luying
Wei |
2022 |
Executive
Director |
For
Class R6 Shares |
|
To
establish an account |
$5,000,000
for Discretionary Accounts |
|
$5,000,000
for Institutional Investors |
|
$15,000,000
for Other Investors |
To
add to an account |
No
minimum levels |
FUNDAMENTAL
POLICIES |
A
Fund’s investment strategy may involve “fundamental policies.” A policy is
fundamental if it cannot be changed without the
consent
of a majority of the outstanding shares of the Fund. Each Fund’s
investment objective is fundamental. In addition, as a
matter
of fundamental policy, each Fund must allocate its investments among the
underlying funds. As a result, each Fund does not
have
the same flexibility to invest directly in securities as a mutual fund
without such constraints. Additional fundamental policies
are
specifically identified in the Statement of Additional
Information. |
|
Conservative
Growth |
Balanced |
Growth
& Income |
Growth |
J.P.
Morgan equity funds1 |
20–40
% |
40–60
% |
60–80
% |
80–100
% |
J.P.
Morgan income funds2 |
55–80
% |
35–60
% |
15–40
% |
0–20
% |
J.P.
Morgan market neutral and other alternative strategy
funds |
0–10
% |
0–10
% |
0–10
% |
0–10
% |
|
Investor
Conservative Growth Fund |
Investor
Balanced Fund |
Investor
Growth and Income Fund |
Investor
Growth Fund |
Commodity
Risk |
• |
• |
• |
• |
Convertible
Securities Risk |
• |
• |
• |
• |
Credit
Risk |
• |
• |
• |
• |
Currency
Risk |
○ |
○ |
○ |
○ |
Cyber
Security Risk |
○ |
○ |
○ |
○ |
Derivatives
Risk |
• |
• |
• |
• |
Equity
Securities Risk |
• |
• |
• |
• |
Foreign
Securities and Emerging Market Risk |
• |
• |
• |
•
|
|
Investor
Conservative Growth Fund |
Investor
Balanced Fund |
Investor
Growth and Income Fund |
Investor
Growth Fund |
General
Market Risk |
• |
• |
• |
• |
Geographic
Focus Risk |
• |
• |
• |
• |
Government
Securities Risk |
• |
• |
• |
• |
High
Portfolio Turnover Risk |
○ |
○ |
○ |
○ |
High
Yield Securities Risk |
• |
• |
• |
• |
Income
Securities Risk |
• |
• |
• |
• |
Index
Funds Risk |
• |
• |
• |
• |
Industry
and Sector Focus Risk |
• |
• |
• |
• |
Inflation-Managed
Strategies Risk |
• |
• |
• |
• |
Interest
Rate Risk |
• |
• |
• |
• |
Investments
in Mutual Funds and ETFs Risk |
• |
• |
• |
• |
Loan
Risk |
• |
• |
• |
• |
Mortgage-Related
and Other Asset-Backed Securities Risk |
• |
• |
• |
• |
Non-Diversified
Risk |
○ |
○ |
○ |
○ |
Real
Estate Securities Risk |
• |
• |
• |
• |
Regulatory
and Legal Risk |
○ |
○ |
○ |
○ |
Securities
Lending Risk |
○ |
○ |
○ |
○ |
Smaller
Company Risk |
• |
• |
• |
• |
Strategy
Risk |
• |
• |
• |
• |
Tax
Aware Strategies Risk |
○ |
○ |
○ |
○ |
Transactions
and Liquidity Risk |
• |
• |
• |
• |
Volcker
Rule Risk |
○ |
○ |
○ |
○ |
WHAT
IS A DERIVATIVE? |
Derivatives
are securities or contracts (like futures and options) that derive their
value from the performance of underlying assets or
securities. |
WHAT
IS A CASH EQUIVALENT? |
Cash
equivalents are highly liquid, high-quality instruments with maturities of
three months or less on the date they are purchased.
They
include securities issued by the U.S. government, its agencies and
instrumentalities, repurchase agreements, certificates of
deposit,
bankers’ acceptances, commercial paper, money market mutual funds and bank
deposit accounts. |
|
Class
R6 |
Eligibility1
|
May
be purchased by
•Group
Retirement Plans,1
•Section
529 college savings plans
•Investors
through a fee-based advisory program of a financial
intermediary
that has entered into a written agreement with
the
Distributor to offer such shares through an omnibus
account
held at the Fund
•Certain
discretionary accounts at JPMIM or JPMorgan Chase
Bank
NA or their affiliates (the Investment Manager) as
defined
below
•Institutional
Investors, as described below
•Other
Investors, as described below |
Minimum
Investment2
|
$5,000,000
– Discretionary Accounts
$5,000,000
— Institutional Investors
$15,000,000
— Other Investors
There
is no minimum for other Class R6 eligible investors as
described
in “Eligibility,” above. |
Minimum
Subsequent Investments |
No
minimum |
Distribution
(12b-1) Fee |
None |
Service
Fee |
None |
Redemption
Fee |
None |
HOW
TO PURCHASE DIRECTLY WITH THE J.P. MORGAN FUNDS | ||
|
Opening
a New Account |
Purchasing
into an Existing Account |
By
Phone or Online
1-800-480-4111
Shareholder
Services representatives
are
available Monday through Friday
from
8:00 am to 6:00 pm ET.
www.jpmorganfunds.com
Note:
Certain account types are not
available
for online account access.
Please
call for additional information. |
A
new account may not be opened by
phone
or online.
A
new fund position can be added to an
existing
account by phone or online if
you
have bank information on file. The
minimum
initial investment
requirement
must be met. |
You
must already have bank
information
on file. If we do not have
bank
information on file, you must
submit
written instructions. Please call
for
instructions on how to add bank
information
to your account.
|
HOW
TO PURCHASE DIRECTLY WITH THE J.P. MORGAN FUNDS | ||
|
Opening
a New Account |
Purchasing
into an Existing Account |
By
Mail
Regular
mailing address:
J.P.
Morgan Funds Services
P.O.
Box 219143
Kansas
City, MO 64121-9143
Overnight
mailing address:
J.P.
Morgan Funds Services
430
W 7th
Street, Suite 219143
Kansas
City, MO 64105-1407 |
Mail
the completed and signed
application
with a check to our Regular
or
Overnight mailing address.
Refer
to the Additional Information
Regarding
Purchases section. |
Please
mail your check and include
your
name, the Fund name, and your
fund
account number. |
All
checks must be made payable to one of the following:
•J.P.
Morgan Funds; or
•The
specific Fund in which you are investing.
Please
include your existing account number, if applicable.
All
checks must be in U.S. dollars. The J.P. Morgan Funds do not accept credit
cards,
cash,
starter checks, money orders or credit card checks. The Funds and/or the
Distributor
reserve the right to refuse “third-party” checks and checks drawn on
non-
U.S.
financial institutions even if payment may be effected through a U.S.
financial
institution.
Checks made payable to any individual or company and endorsed to J.P.
Morgan
Funds or a Fund are considered third-party
checks. | ||
By
Wire1
1-800-480-4111
Wire
Instructions:
DST
Asset Manager Solutions, Inc.
2000
Crown Colony Drive
Quincy,
MA 02169
Attn:
J.P. Morgan Funds Services
ABA:
021 000 021
DDA:
323 125 832
FBO:
Fund
Name
Fund:
Fund #
Account:
Your Account
#
and
Your
Account Registration |
Purchase
by Wire: If you choose to pay
by
wire, please call to notify the Fund
of
your purchase. You must also initiate
the
wire with your financial institution. |
Purchase
by Wire: If you choose to pay
by
wire, please call to notify the Fund
of
your purchase. You must also initiate
the
wire with your financial
institution. |
EXCHANGE
PRIVILEGES |
Class
R6 Shares of the Fund may be exchanged for: |
•Class
R6 Shares of another J.P. Morgan Fund, |
•Another
share class of the same Fund if you are eligible to purchase that
class. |
HOW
TO REDEEM | |
By
Phone or Online
Note:
Certain account
types
are not available
for
online account access.
Please
call for additional
information. |
Call
us at 1-800-480-4111
Shareholder
Services representatives are available Monday through Friday from 8:00 am
to 6:00 pm ET.
www.jpmorganfunds.com |
By
Mail |
Regular
mailing address:
J.P.
Morgan Funds Services
P.O.
Box 219143
Kansas
City, MO 64121-9143
Overnight
mailing address:
J.P.
Morgan Funds Services
430
W 7th
Street, Suite 219143
Kansas
City, MO 64105-1407 |
JPMorgan
Investor Conservative Growth Fund |
0.05% |
JPMorgan
Investor Balanced Fund |
0.05 |
JPMorgan
Investor Growth & Income Fund |
0.05 |
JPMorgan
Investor Growth Fund |
0.05 |