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Fixed Income Can Help Enhance Retirement Menus

	A wider selection of fixed income choices in DC plan menus can help provide potentially higher returns, greater diversification, and less volatility.
	Presented by: Michael Rosenberg, Senior Vice President, Prudential Investments

The Increasing Importance of Fixed Income in DC Plans

With the workforce aging, market volatility rising, and individuals taking on more responsibility for their retirement income, the time may be right to add more fixed income choices to your investment menu.

Fixed Income Options Within DC Plans

Our new white paper, Fixed Income Options Within DC Plans:

Evaluates three types of fixed income funds that could be attractive now
Taps the insights of Prudential Fixed Income, a leading fixed income manager for DC plans with one of the industries deepest credit research teams

Taxable Fixed Income Options

Fund	NASDAQ
Absolute Return Bond Fund	PADAX
Emerging Mkts Debt Local Currency Fund	EMDAX
Floating Rate Income Fund	FRFAX
Global Total Return Fund	GTRAX
Government Income Fund	PGVAX
High Yield Fund	PBHAX
Short-Term Corporate Bond Fund	PBSMX
Total Return Bond Fund	PDBAX

Fund distributions are taxable and will be taxed as ordinary income or capital gains, unless investing through a tax-deferred arrangement such as a 401(k) plan or IRA. Such tax-deferred arrangements may be taxed at or upon withdrawal of monies from those arrangements. Dividends and distributions from the fund may also be subject to state and local income tax in the state of residence. Neither Prudential Financial, its affiliates, nor their licensed sales professionals provide legal or tax advice. Please consult your legal and tax advisors for advice concerning your particular situation.

Consider a fund’s investment objectives, risks, charges and expenses carefully before investing. The prospectus and the summary prospectus contain this and other information about the fund. Contact your financial professional for a prospectus and the summary prospectus. Read them carefully before investing.

An investment in our money market funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the funds.

Mutual fund investing involves risk. Some mutual funds have more risk than others. The investment return and principal value will fluctuate and shares when sold may be worth more or less than the original cost. Fixed income investments are subject to interest rate risk, and their value will decline as interest rates rise. Asset allocation and diversification do not assure a profit or protect against loss in declining markets. There is no guarantee a Fund's objectives will be achieved. The risks associated with each fund are explained more fully in each fund's respective prospectus. Investors should consult with their attorney, accountant, and/or tax professional for advice concerning their particular situation.

Mutual funds are distributed by Prudential Investment Management Services LLC, member SIPC. Prudential Fixed Income and Prudential Real Estate Investors are units of Prudential Investment Management, Inc. (PIM). Quantitative Management Associates, Jennison Associates, and PIM are registered investment advisors. All are Prudential Financial companies. Prudential Investments, Prudential, the Prudential logo, Bring Your Challenges, the Rock symbol, and Target are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom.

Mutual Funds: Are not insured by the FDIC or any other federal government agency, may lose value, and are not a deposit of or guaranteed by any bank or any bank affiliate.

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0232075-00002-00 Ed. 11/2012