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Detailed Information About the Jpmorgan Chase 401(K) Savings Plan Investment Funds Effective March 31, 2021

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Detailed Information About the Jpmorgan Chase 401(K) Savings Plan Investment Funds Effective March 31, 2021 401(k) Savings Plan Investment Fund Profiles Detailed information about the JPMorgan Chase 401(k) Savings Plan investment funds Effective March 31, 2021 Please note: Any significant subsequent updates will be included as an addendum to this brochure. This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933. For additional information about JPMorgan Chase & Co., you can access the reports that JPMorgan Chase files with the Securities and Exchange Commission online at JPMorgan Chase’s investor relations website (investor.shareholder.com/jpmorganchase) and at the Securities and Exchange Commission’s website (sec.gov). These SEC filings have been prepared by JPMorgan Chase pursuant to its obligations under the United States’ securities laws and not pursuant to the fiduciary obligations of the Employee Retirement Income SecurityAct. Health. Balance. Finances. The 401(k) Savings Plan Web Center and Call Center You can use the 401(k) Savings Plan Web Center and Call Center to access Plan information and conduct certain Plan transactions. In addition, you can access fact sheets for each of the investment options in the Plan in the Investment lineup section of the Web Center. The fact sheets include information such as comparisons to benchmarks, portfolio turnover rates, total annualized returns over specific time periods and asset allocations, as well as the expense ratio for each investment option. The fact sheets are regularly updated on a monthly basis. Also available on the 401(k) Savings Plan Web Center is the Participant Fee Disclosure Notice (please note that this document is referred to as the Current Investment Returns & Fee Comparison notice on the Web Center). This notice is issued annually and provides detailed information regarding investment performance and the fees and expenses charged under these investment options. To access the 401(k) Savings Plan Web Center: You can access the 401(k) Savings Plan Web Center from work or from home via My Rewards: • From work: My Rewards from the intranet • From home: myrewards.jpmorganchase.com To contact the 401(k) Savings Plan Call Center: Call 1-866-JPMC401k (1-866-576-2401), or 1-303-737-7204 if calling from outside the United States. (The TTY number is 1-800-345-1833.) Client Service Representatives are available from 8 a.m. to 10 p.m. Eastern time, Monday through Friday, except New York Stock Exchange holidays. The JPMorgan Chase U.S. Benefits Program generally is available to most employees on a U.S. payroll who are regularly scheduled to work 20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to the extent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. This information does not include all of the details contained in the applicable insurance contracts, plan documents and trust agreements. If there is any discrepancy between this information and the governing documents, the governing documents will control. JPMorgan Chase & Co. expressly reserves the right to amend, modify, reduce, change or terminate its benefits and plans at any time. The JPMorgan Chase U.S. Benefits Program does not create a contract or guarantee of employment between JPMorgan Chase and any individual. JPMorgan Chase or you may terminate the employment relationship at any time. 1 JPMorgan Chase 401(k) Savings Plan Investment Fund Profiles Table of contents Section 1: Understanding your choices and the decisions you need to make ............................................................................ 3 Two ways to invest ................................................................................................................................................................... 3 How do you choose the right path for you? .............................................................................................................................. 3 Investing approach #1: Target Date Funds (“No Assembly Required”) .................................................................................... 4 Investing approach #2: Core Funds (“Do It Yourself”) .............................................................................................................. 5 Section 2: Back to basics ............................................................................................................................................................ 7 Knowing your risk tolerance ..................................................................................................................................................... 7 Understanding the importance of diversification ....................................................................................................................... 8 Section 3: Your investment choices ............................................................................................................................................. 9 Important reminders ................................................................................................................................................................. 9 Additional resources ................................................................................................................................................................. 9 Target Date Funds .................................................................................................................................................................... 11 Core Funds ............................................................................................................................................................................... 19 Section 4: Summary of investment risks ..................................................................................................................................... 46 Section 5: Important investment terms ....................................................................................................................................... 50 2JPMorgan Chase 401(k) Savings Plan Investment Fund Profiles Section 1: Understanding your choices and the decisions you need to make About this brochure The JPMorgan Chase 401(k) Savings Plan has thousands of participants — ranging from those who Making sure you’re saving are not as comfortable making investment decisions to those who enjoy taking a hands-on approach to enough requires knowledge managing their money. No matter what type of investor you are, the 401(k) Savings Plan provides you with and planning. That’s why the opportunity to choose the investment strategy that’s right for you. JPMorgan Chase provides you with some of the tools Two ways to invest and resources you may We know that making investment decisions can be overwhelming. That’s why the Plan offers two distinct need to help you build ways to invest — and you pick the investment strategy that’s right for you. Depending on your know-how your investment portfolio. and risk tolerance, you can choose the investment approach that meets your needs. This brochure provides information to help you Target Date Funds Core Funds understand the investment (“No Assembly Required”) (“Do It Yourself”) fund choices under the 401(k) Savings Plan. Target Date Funds offer you built-in diversification If you prefer to build your own portfolio, you within a single investment option — with no can choose any number of Core Funds to In addition, investment assembly required. These Funds provide a achieve diversification among several asset information and fact mix of underlying investments and, with the classes. This strategy puts you in charge. sheets for all investment exception of the Target Date Income Fund, that When you choose among the Core Funds, you options are provided on the mix automatically changes — becoming more take the responsibility for creating a diversified 401(k) Savings Plan Web conservative over time — as the Fund moves mix, monitoring it regularly and rebalancing Center. The fact sheets closer to its “target” date. as needed. are regularly updated on a monthly basis. The Participant Fee How do you choose the right path for you? Disclosure Notice is also Before you get into the details of how your investment options work, you may want to take a few minutes to available on the 401(k) think about what kind of investor you are. Let’s assume you are already saving for retirement in the 401(k) Savings Plan Web Center. Savings Plan. (If you’re not, there’s no better time to start than today!) This notice is issued annually and provides If you aren’t sure how to define yourself as an investor, you can get a good idea by answering a few detailed information questions. There are no right or wrong answers: regarding investment 1. Do I want to select my own mix of investment funds? performance and the fees and expenses 2. Am I comfortable deciding how much to invest in each fund? charged under these 3. Do I have time to track my investments and make changes as needed? investment options. The answers to these questions can help you align your choices with your preferences and goals. For Please read these example, if you answered mostly “yes” to these questions, you may want to consider using the Core materials carefully. Funds. If you answered mostly “no,” the Target Date Funds may present an attractive option for you. 3 JPMorgan Chase 401(k) Savings Plan Investment Fund Profiles A note about the Investing approach #1: Target Date Funds Because the underlying Target
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