JPMorgan SmartRetirement® 2045 R6 (JSAYX)

Fund Assets	3.46B
Expense Ratio	0.39%
Min. Investment	$5,000,000
Turnover	17.00%
Dividend (ttm)	1.34
Dividend Yield	5.00%
Dividend Growth	31.63%
Payout Frequency	n/a
Ex-Dividend Date	Dec 31, 2025

Previous Close	27.02
YTD Return	10.94%
1-Year Return	16.27%
5-Year Return	50.76%
52-Week Low	23.27
52-Week High	27.28
Beta (5Y)	0.92
Holdings	23
Inception Date	Nov 3, 2014

About JSAYX

JPMorgan SmartRetirement® 2045 Fund Class R6 is a target-date mutual fund designed to serve investors planning to retire around the year 2045. Its primary function is to provide a diversified, professionally managed investment solution that automatically adjusts its asset allocation over time. Initially, the fund emphasizes capital appreciation by investing more heavily in equities. As the target date approaches and passes, it gradually reallocates toward fixed income and other investments, aiming for increased stability and income to support retirees throughout their withdrawal years. This fund invests across a wide mix of underlying J.P. Morgan funds and ETFs, covering U.S. and international equities, fixed income, and alternative sectors. It utilizes insights from extensive research into participant behavior, with notable features including a glide path designed to address spending volatility during retirement and to support withdrawals up to age 100. JPMorgan SmartRetirement® 2045 Fund Class R6 is significant within the retirement planning market, offering investors a turnkey solution for long-term retirement savings that evolves automatically as their needs change. As a part of J.P. Morgan’s SmartRetirement series, it benefits from a foundation of robust research and active management, serving a broad range of individuals and employer-sponsored retirement plans.

• Fund Family: JPMorgan
• Category: Target-Date 2045
• Performance Rating: Average
• Risk Rating: Average
• Stock Exchange: NASDAQ
• Ticker Symbol: JSAYX
• Share Class: Class R6
• Index: S&P Target Date 2045 TR

Performance

JSAYX had a total return of 16.27% in the past year, including dividends. Since the fund's inception, the average annual return has been 10.24%.

Other Share Classes

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

Symbol	Share Class	Expense Ratio
JSAIX	Class R5	0.49%
JSASX	Class I	0.64%
JSAQX	Class R4	0.64%
JSAAX	Class A	0.83%

Top 10 Holdings

86.27% of assets

Name	Symbol	Weight
JPMorgan International Research Enhanced Equity ETF	JIRE	12.29%
JPMorgan US Research Enhanced Equity R6	JDEUX	11.03%
JPMorgan US Equity R6	JUEMX	11.00%
JPMorgan Growth Advantage R6	JGVVX	10.61%
JPMorgan Value Advantage R6	JVAYX	10.41%
JPMorgan Core Plus Bond R6	JCPUX	8.77%
JPMorgan Global Select Equity ETF Global Select Equity ETF	JGLO	8.61%
JPMorgan International Equity R6	JNEMX	6.61%
JPMorgan BetaBuilders U.S. Mid Cap Equity ETF	BBMC	3.70%
JPMorgan ActiveBuilders Emerging Markets Equity ETF	JEMA	3.24%

Dividend History

Ex-Dividend	Amount	Pay Date
Dec 31, 2025	$0.57868	Jan 2, 2026
Dec 15, 2025	$0.76464	Dec 16, 2025
Dec 31, 2024	$0.54707	Jan 2, 2025
Dec 16, 2024	$0.47346	Dec 17, 2024
Dec 29, 2023	$0.38835	Jan 2, 2024
Dec 30, 2022	$0.32477	Jan 3, 2023

Data Sources: Tiingo, Financial Modeling Prep, and more

Historical data is provided by Tiingo. Delayed stock pricing data is provided by Financial Modeling Prep. Several fund data points are also provided by Finnhub.

Last checked:

Aug 27, 2026

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