Investments

JPMorgan Funds: The Strength of a Trusted Leader - For more than a century, clients worldwide have placed their trust in JPMorgan for investment needs. - JPMorgan Funds is the 5th Largest US Mutual Fund Family, with more than $200 Billion in assets managed.1 Benefits of Available JPMorgan Funds - High quality funds - Diverse selection of asset classes, supporting a range of investment objectives - Low investment minimums - All funds available to HSA investors at net asset value with no front or back-end load2

The HSA Investment Account
Upon opening your HSA, all funds are held in what is known as an HSA cash account. It is from the cash account that you can spend your HSA funds.

Once you have accumulated a minimum balance of $2,000 in your cash account, you can open an HSA investment account. The HSA investment account allows you the ability to invest for the future, complementing the interest-earning HSA cash account.

The HSA investment account provides you access to a number of JPMorgan mutual fund options, each investing in different types of securities with unique risk and return characteristics. Collectively, this selection of mutual funds has been designed to satisfy a variety of investment objectives and investment time frames.

While the mutual funds available through this service are not FDIC-insured and expose investors to the risk of loss of principal, they provide the opportunity to earn higher returns than typically available in the HSA cash account. In addition, HSA investments roll over from year to year and accumulate in a tax-deferred manner.

Select from Eight Mutual Funds

Fixed Income	Target Investor
Fixed income funds provide investors with low investment risk.
JPMorgan Prime Money Market Fund – Morgan Shares (Ticker: VMVXX)	For short-term investors who seek to preserve capital and maintain liquidity.
American Century Inflation Adjusted BondFund – Investor Class (Ticker: ACITX)	For investors who prefer a higher degree of credit quality provided by U.S. Treasury and U.S. government agency securities. This fund invests primarily in U.S. dollar-denominated, inflation-indexed securities.
JPMorgan Core Bond Fund – A Shares (Ticker: PGBOX) $1000 minimum investment	For long-term investors who seek the total return of a bond portfolio and prefer a high degree of credit quality.
Asset Allocation Funds	Target Investor
Asset allocation funds invest in a diverse set of other mutual funds to support specific investment objectives. These funds have low to medium investment risk.
JPMorgan Investor Conservative Growth Fund – A Shares (Ticker: OICAX)	For investors seeking income and capital appreciation. The majority of the fund’s assets are invested in JPMorgan bond funds, with a portion invested in JPMorgan equity and money market funds.
JPMorgan Investor Balanced Fund – A Shares (Ticker: OGIAX)	For investors seeking high total return consistent with capital preservation. Approximately half of the fund’s assets are invested in JPMorgan equity funds and half are invested in JPMorgan bond funds.
JPMorgan Investor Growth Fund – A Shares (Ticker: ONGAX)	For investors seeking long-term capital appreciation. The majority of assets are invested in JPMorgan equity funds, with a portion invested in JPMorgan bond and money market funds.
Equity Funds	Target Investor
Equity mutual funds focus their investments in specific stock asset classes with targeted investment preferences. These funds have medium to high investment risk.
American Century Large Company Value Fund – Investor Class (Ticker: ALVIX)	For investors seeking long-term capital appreciation who can tolerate moderate share price fluctuation. focuses on large, well-established companies that are believed to be undervalued.
JPMorgan Equity Index Fund A Shares (Ticker: OGEAX)	For long-term investors seeking exposure to large cap US companies in a fund that mainly in companies that are in the S&P 500 index.3
American Century Ultra Fund – Investor Class (Ticker: TWCUX)	For investors looking for long-term capital growth who can accept short-term price volatility. Focused on companies whose earnings and revenues are growing at a successively faster rate.
JPMorgan Small Cap Equity Fund A Shares4 (Ticker: VSEAX)	For long-term investors seeking diversification of US equity investments through the small cap segment of the market.
JPMorgan International Equity A Shares5 (Ticker: JSEAX)	For long-term investors seeking diversification by investing in large companies outside of the US.

Download a PDF of this chart.

Investment Disclosure
Investors should carefully read the Fund prospectus, which includes information on the Fund’s investment objectives, risk, as well as charges and expenses along with other information before investing. Prospectuses are available on the cardholder web site. Existing HSA cash account holders with questions about this service may contact a J.P. Morgan Institutional Investments Inc. representative. An investment in the JPMorgan Prime Money Market Fund is not insured by the FDIC or any other government agency. Although money market funds strive to preserve the value of the investment at $1.00 per share, it is possible to lose money by investing in a money market fund.

HSA cash account balances are held by JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. acts as settlement bank for HSA mutual fund transactions.

Mutual funds are introduced by, and HSA investment accounts are provided by J.P. Morgan Institutional Investments Inc., member NASD and SIPC, a broker dealer affiliate of JPMorgan Chase Bank, N.A. This service is available only to individuals (including U.S. citizens and U.S. resident aliens) residing in the U.S.

JPMorgan funds are distributed by JPMorgan Distribution Services, Inc. American Century funds are distributed by American Century Investment Services, Inc. Affiliates of JPMorgan Chase Bank, N.A. receive fees for providing various services to the funds.

References
1 Source: JPMorgan Funds
2 Early redemption fees may apply.
3 “S&P 500” is a registered service mark of Standard & Poor’s Corporation, which does not sponsor and is in no way affiliated with the Fund.
4 Small capitalization funds typically carry more risk than stock funds investing in well-established “blue-chip” companies since smaller companies generally have a higher risk of failure. Historically, smaller companies’ stock has experienced a greater degree of market volatility than the average stock.
5 International investing involves a greater degree of risk and increased volatility. Changes in currency exchange rates and differences in accounting and taxation policies outside the U.S. can raise or lower returns. Also, some overseas markets may not be as politically and economically stable as the United States and other nations. The Fund is also subject to the additional risk of non-diversified "regional" fund investing.