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 801 sub-advised, retirement-focused investment options
  • A multi-manager approach with 50 institutional-quality managers1,2
  • Access to more than 4,400 outside mutual funds3
  • More than $65 billion in asset allocation investment option assets1,4
  • 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 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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Call us at 800-952-3343 ext. 22681 to discuss retirement plan services available for your employee benefits package.

1 As of June 30, 2016

2 Principal Separate Accounts are made available by Principal Life Insurance Company; Sub-Advised Mutual Funds are made available by Principal Funds, Inc. Principal Trust maintains various Collective Investment Funds, as trustee, under certain plan and declaration of trust documents, which may be amended from time to time ("Trusts"). Principal Trust has discretion over the investment of the Collective Investment Funds.

Sub-advisors for The Principal investment options are selected using our proprietary due diligence process that provides a rigorous and disciplined framework for identifying, hiring, and retaining premier investment managers within each asset class and investment style. It is characterized by the comprehensive and continuous review of all investment managers based on our specific investment guidelines.

As of March 31, 2016

4 Asset allocation investment options are comprised of Principal Lifetime Portfolios, Principal TrustSM Target Date Funds, Principal Strategic Asset Management Portfolios (SAM); core-satellite strategies and outcome-oriented investment options are comprised of Principal Global Diversified Income Fund, Principal Diversified Real Asset portfolio and Principal Global Multi Strategy fund.

Carefully consider the Fund’s objectives, risks, charges, and expenses. Contact your financial professional or visit 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

Delaware Charter Guarantee & Trust Company, conducting business as Principal TrustSM Company (“Principal Trust”), a member of the Principal Financial Group®, maintains various Collective Investment Funds, as trustee, under certain plan and declaration of trust documents, which may be amended from time to time (“Trusts”). Principal Trust has discretion over the investment of the Collective Investment Funds which may only consist of assets of qualified plans. . Principal Management Corporation (“PMC”), an affiliate of Principal Trust, provides nondiscretionary advisory services to Principal Trust with respect to the Collective Investment Funds. The Collective Investment Funds are not guaranteed by Principal Trust, PMC, any of their affiliates, the FDIC or any other governmental agency.  Participation in Collective Investment Funds offered by Principal Trust is governed by the terms of the applicable Trust and a Participation Agreement. Visit to obtain a copy of the relevant Collective Investment Fund Summary document for addition important information.

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.

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, 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.

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