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
  • Access to more than 4,500 outside mutual funds2
  • More than $65 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 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 Collective Investment 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

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. 

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 provided through Principal Life Insurance Co.  Principal Funds, Inc. is distributed by Principal Funds Distributor, Inc. Securities offered through Principal Securities, Inc., 800-547-7754, member SIPC and/or independent broker/dealers. Principal Life, Principal Funds Distributor, Inc. and Principal Securities are members of the Principal Financial Group®, Des Moines, IA 50392. Certain investment options and contract riders 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.