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Investment Choices

Selecting investment options for a retirement plan is one of the most important tasks of a plan fiduciary. The Principal makes available a comprehensive and extensive set of choices and services, including:

  • More than 70 retirement-focused investment options where we manage the investment strategy and underlying investment managers[1]
  • Access to more than 3,100 outside retail mutual funds[2]
  • Among the most comprehensive set of asset allocation choices in the industry
  • Access to institutional-quality investment management through our global investment management footprint
  • Registered and non-registered investment products
  • Investment fiduciary support and services*

Our Investment Platform

Retirement plans of all sizes deserve access to institutional-quality investment management. In today's world, that requires a global investment footprint and access to multiple investment managers. We offer global asset management and the type of investment capabilities used by some of the largest retirement and pension plans in the world.

Sub-Advised Investment Options

Our Sub-Advised Investment Options form the foundation of our investment platform. Features include:

  • More than 70 investment options covering a wide range of asset classes
  • Investment strategies specifically designed for retirement plans, including outcome-oriented strategies to help address retirement planning risks
  • An innovative, multi-manager approach by more than 40 institutional-quality managers.[3],[4],[5]

Registered: We make available six share classes for our registered Sub-Advised Investment Options. Get a list of the registered investment options for the R1 share class (PDF: 95.03 KB).

Non-registered: We make available seven rate levels for our non-registered Sub-Advised Investment Options. Get a list of the non-registered investment options for the R1 rate level (PDF: 103.3 KB).

Asset Allocation Choices

Asset allocation decisions may have a big impact on the long-term performance of participants' retirement portfolios, yet many participants don't have the expertise or time to select and manage their own investment options.

Our asset allocation choices are among the most comprehensive in the industry. We have more than $80 billion in asset allocation investment option assets under management.[6] Our choices are outcome-focused, and are managed by a combination of specialty sub-advisors. We make available:

  • Two sets of target date investment options[7]
  • Target risk investment options[8]
  • Combined target date and risk asset allocation educational models[9]
  • Independent investment advisory services[10]

Outside Retail Mutual Funds

In addition to Sub-Advised Investment Options, we provide access to more than 3,100 mutual funds provided by other investment management firms.


About Target Date investment options:
Target date portfolios are managed toward a particular target date, or the approximate date the investor is expected to start withdrawing money from the portfolio. As each target date portfolio approaches its target date, the investment mix becomes more conservative by increasing exposure to generally more conservative investments and reducing exposure to typically more aggressive investments. Neither the principal nor the underlying assets of target date portfolios are guaranteed at any time, including the target date. Investment risk remains at all times. Neither asset allocation nor diversification can assure a profit or protect against a loss in down markets. Be sure to see the relevant prospectus or offering document for full discussion of a target date investment option including determination of when the portfolio achieves its most conservative allocation.

*Wilshire® is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks, and/or service marks are the property of their respective holders.

Wilshire is not an affiliate of any member company of the Principal Financial Group®.

Principal Life does not act as an ERISA 3(21) or 3(38) fiduciary under the Wilshire-provided fiduciary services.

For full terms and conditions please see the Investment Fiduciary Support and Services Terms & Conditions (PDF: 435.62 KB) for more information about the support and services, including the Definitions, Duties and Obligations.

No investment strategy, such as diversification or asset allocation can guarantee a profit or protect against loss in periods of declining value

Investors should carefully consider a mutual fund's investment objectives, risks, charges, and expenses prior to investing. A prospectus, or summary prospectus if available, containing this and other information can be obtained by contacting a financial professional, visiting principal.com, or calling 1.800.547.7754. Read the prospectus carefully before investing.

Before directing retirement funds to a separate account, investors should carefully consider the investment objectives, risks, charges and expenses of the separate account as well as their individual risk tolerance, time horizon and goals. For additional information contact us at 1.800.547.7754 or by visiting principal.com.

Investment options are subject to investment risk. Shares or unit values will fluctuate and investments, when redeemed, may be worth more or less than their original cost.

Insurance products and plan administrative services are provided by Principal Life Insurance Company. Principal Funds, Inc. is distributed by Principal Funds Distributor, Inc. Securities are offered through Princor Financial Services Corporation, 1.800.547.7754, Member SIPC and/or independent broker/dealers. Securities sold by a Princor Registered Representative are offered through Princor®. Principal Funds Distributor, Princor and Principal Life are members of the Principal Financial Group®, Des Moines, IA 50392. Investment options may not be available in all states or U.S. commonwealths. Separate Accounts are available through a group annuity contract with Principal Life Insurance Company. See the group annuity contract for the full name of the Separate Account. Principal Life Insurance Company reserves the right to defer payments or transfers from Principal Life Separate Accounts as permitted by the group annuity contracts providing access to the Separate Accounts or as required by applicable law. Such deferment will be based on factors that may include situations such as: unstable or disorderly financial markets; investment conditions which do not allow for orderly investment transactions; or investment, liquidity and other risks inherent in real estate (such as those associated with general and local economic conditions). If you elect to allocate funds to a Separate Account, you may not be able to immediately withdraw them.

 

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For more information

Learn more about retirement plans;
visit The Principal Blog.

Have a question? Call us at 1.800.986.3343

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