JPMorgan SmartRetirement Blend 2045 Fund Class I (JMSSX)

Fund Assets	2.75B
Expense Ratio	0.417%
Min. Investment	$1,000,000
Turnover	18.00%
Dividend (ttm)	0.87
Dividend Yield	2.05%
Dividend Growth	29.89%
Payout Frequency	Annual
Ex-Dividend Date	Dec 31, 2025

Previous Close	42.86
YTD Return	10.69%
1-Year Return	14.25%
5-Year Return	53.23%
52-Week Low	36.95
52-Week High	43.76
Beta (5Y)	0.89
Holdings	14
Inception Date	Jul 2, 2012

About JMSSX

JPMorgan SmartRetirement Blend 2045 Fund Class I is a target-date mutual fund designed to support individuals planning to retire around the year 2045. The fund’s primary purpose is to provide a professionally managed, diversified investment vehicle that automatically adjusts its asset allocation over time—starting with a higher proportion of equities for growth, then gradually shifting toward more conservative holdings such as bonds and cash as the target retirement year approaches. Through this lifecycle approach, it aims to balance long-term capital appreciation with increasing capital preservation as retirement nears. The fund invests across asset classes including domestic and international stocks, bonds, and cash equivalents, allocating among them based on a glide path developed from extensive retirement research and behavioral data. This structure helps mitigate longevity and sequence-of-returns risk for participants. The fund’s portfolio leverages J.P. Morgan’s asset management expertise and utilizes underlying funds to achieve broad diversification across sectors and geographies. It serves as a core retirement solution within defined contribution plans or for individual investors seeking a turnkey, age-based investment strategy tailored to expected retirement needs.

• Fund Family: JPMorgan
• Category: Target-Date 2045
• Performance Rating: Average
• Risk Rating: Average
• Stock Exchange: Nasdaq
• Ticker Symbol: JMSSX
• Share Class: Class I
• Index: S&P Target Date 2045 TR

Performance

JMSSX had a total return of 14.25% in the past year, including dividends. Since the fund's inception, the average annual return has been 9.70%.

Other Share Classes

These are alternative share classes of the same fund, from the same provider.

Symbol	Share Class	Expense Ratio
JMYAX	Class R6	0.17%
JMBRX	Class R5	0.27%
JNTLX	Class R4	0.42%
JNTOX	Class R3	0.67%

Top 10 Holdings

97.86% of assets

Name	Symbol	Weight
JPMorgan Equity Index R6	OGFAX	45.47%
JPMorgan BetaBuilders International Equity ETF	BBIN	21.37%
JPMorgan Core Plus Bond R6	JCPUX	8.66%
JPMorgan BetaBuilders U.S. Mid Cap Equity ETF	BBMC	5.21%
JPMorgan BetaBuilders Emerging Markets Equity ETF	BBEM	4.03%
JPMorgan Emerging Mkts Rsrch Enh Eq R6	EMRSX	4.03%
JPMorgan Core Bond R6	JCBUX	2.88%
JPMorgan BetaBuilders U.S. Small Cap Equity Fund	BBSC	2.51%
JPMorgan High Yield R6	JHYUX	2.06%
JPMorgan BetaBuilders MSCI US REIT ETF	BBRE	1.62%

Dividend History

Ex-Dividend	Amount	Pay Date
Dec 31, 2025	$0.87001	Jan 2, 2026
Dec 31, 2024	$0.66978	Jan 2, 2025
Dec 29, 2023	$0.58498	Jan 2, 2024
Dec 30, 2022	$0.43437	Jan 3, 2023
Dec 31, 2021	$0.39686	Jan 3, 2022
Dec 15, 2021	$0.89091	Dec 16, 2021

Data Sources: Tiingo, Twelve Data, and more

Historical data is provided by Tiingo. Delayed stock pricing data is provided by Twelve Data. Several fund data points are also provided by Finnhub.

Last checked:

Oct 16, 2026

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