Asset Allocation: Strategies: Target-Date
Principal LifeTime Funds are professionally designed to simplify asset allocation decisions.
The Principal LifeTime Funds are fund-of-funds investments - mutual funds that invest in other mutual funds. They provide asset allocation mixes that evolve over time, taking advantage of growth potential when appropriate and lowering risk exposure when it's time to focus on income. You can choose among six different Principal LifeTime Funds by simply selecting the target date that most closely matches your time horizon, such as the date you anticipate retiring.
The Principal LifeTime Funds are appropriate for retirement planning, college funding, or other goals where stability and cash flow are important considerations as you reach your target year. You can use the Principal LifeTime Funds in conjunction with other investments or as your primary asset allocation tool. Either way, you'll enjoy expert asset allocation, rebalancing, and portfolio adjustments for a lifetime of investing.
Principal LifeTime Funds Allocations - Target Allocations*
| Principal Investors Fund, Inc. | International Equity | Small/Mid U.S. Equity | Large U.S. Equity | Fixed Income | Short-Term Fixed Income |
|---|---|---|---|---|---|
| Principal LifeTime Strategic Income Fund | 6% | 7% | 12% | 50% | 25% |
| Principal LifeTime 2010 Fund | 16% | 12% | 31% | 35% | 6% |
| Principal LifeTime 2020 Fund | 20% | 14% | 38% | 28% | 0% |
| Principal LifeTime 2030 Fund | 23% | 15% | 43% | 19% | 0% |
| Principal LifeTime 2040 Fund | 25% | 15% | 47% | 13% | 0% |
| Principal LifeTime 2050 Fund | 26% | 16% | 48% | 10% | 0% |
*Notes:
- Allocations listed above may not reflect current portfolio composition.
- Asset allocation does not guarantee a profit or protect against a loss.
- Equity investments involved greater risk, including heightened volatility, than fixed-income investments. Fixed-income investments are subject to interest rate risk, and their value will decline as interest rates rise.
To obtain a prospectus, download online or call Customer Service at 1.800.222.5852
While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that The Principal® is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements. For more information about our funds, including their full names, please see the Principal Funds, Inc. prospectus or call Customer Service at 1.800.222.5852.
A mutual fund's share price and investment return will vary with market conditions, and the principal value of an investment when you sell your shares may be more or less than the original cost.
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Principal Funds, Inc. is distributed by Principal Funds Distributor, Inc., member of the Principal Financial Group®. Principal Funds Distributor, Principal Shareholder Services, Principal Management Corporation and its affiliates, and Principal Funds, Inc. are collectively referred to as Principal Funds.
Not FDIC or NCUA/NCUSIF insured - May lose value - No bank guarantee - Not a deposit - Not insured by any federal government agency
