Investment Choices for Employee Retirement Plans

Your employees deserve access to high-quality investment options.

Retirement plans of all sizes deserve access to institutional-quality investment management. Principal® offers global asset management and investment capabilities on par with the largest retirement and pension plans in the world.

  • More than 851 sub-advised, retirement-focused investment options
  • A multi-manager approach with more than 50 institutional-quality managers1
  • Access to more than 4,500 outside mutual funds2
  • More than $112 billion in asset allocation investment option assets1,3
  • Registered and non-registered investment products

Talk to your advisor about the right investment choices for your plans.

Invest in your bigger picture.

Retirement plans are an essential component of any comprehensive benefits program. Principal can help as you design a total benefits package with retirement and group insurance plans—and introduce you to the world-class service we’re known for. 

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1 As of December 31, 2016

As of December 31, 2016

3 Asset allocation investment options are comprised of Principal LifeTime portfolios, Principal LifeTime Hybrid portfolios, Principal Strategic Asset Management Portfolios (SAM); core-satellite strategies and outcome-oriented investment options are comprised of Principal Global Diversified Income portfolio, Principal Diversified Real Asset portfolio and Principal Global Multi Strategy portfolio.

Carefully consider the fund’s objectives, risks, charges, and expenses. Contact your financial professional or visit principal.com for a prospectus, or summary prospectus if available, containing this and other information. Please read it 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 800-547-7754 or by visiting principal.com.

The Principal LifeTime Hybrid Collective Investment Funds (CITs) are collective investment trusts maintained by Principal Global Investors Trust Company, (the Trust Company). The Trust Company has retained Principal Global Investors, LLC (the Adviser), to serve as investment adviser with respect to the CITs, subject to the Trust Company's supervision and review.  The Adviser is an indirect wholly owned subsidiary of Principal Financial Group, Inc., and is under common control with the Trust Company. The Adviser also manages portfolios which may be included as underlying investments in the CITs. The Adviser receives management fees from these portfolios. The Adviser or other affiliates of the Trust Company may provide services to the CITs and may receive fees for such services.  The CITs are available only to certain qualified retirement plans and governmental 457(b) plans. 

The CITs are not mutual funds and are not registered with the Securities and Exchange Commission, the State of Oregon, or any other regulatory body. Units of the CITs are not deposits or obligations of, guaranteed by, or insured by the Trust Company or any affiliate, and are not insured by the FDIC or any other federal or state government agency. The value of the CITs will fluctuate so that when redeemed, units may be worth more or less than the original cost. The declaration of trust, participation agreement, and disclosure documents contain important information about investment objectives, risks, fees and expenses associated with investment in the CITs and should be read carefully before investing. The declaration of trust is available at principal.com. A copy of the participation agreement can be obtained from your plan administrator.   

Investing involves risk, including possible loss of principal.

Asset allocation and diversification does not ensure a profit or protect against a loss. Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed-income investments are subject to interest rate risk; as interest rates rise their value will decline. International and global investing involves greater risks such as currency fluctuations, political/social instability and differing accounting standards. These risks are magnified in emerging markets.

There is no guarantee that a target date investment will provide adequate income at or through retirement.

Investment manager/sub-advisor means either the Investment Adviser or Sub-Advisor to the investment option or the underlying asset(s).  Principal Life Insurance Company is the Investment Manager as defined by ERISA, with regard to the assets of the Separate Accounts.   The trustee of any Collective Investment Trust is the Investment Manager as defined by ERISA, with regard to the assets of the CIT.  

May lose value. Not a deposit. No bank or credit union guarantee. Not insured by any federal government agency.