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J.P. Morgan Asset Management introduces Core Menu InnovationSM—a new approach to the defined contribution investment menu that aims to simplify participant decisions and help strengthen potential investment outcomes.

  • Smarter Portfolios

    Core Menu InnovationSM replaces complex and often redundant core investment lineups with three easy-to-understand investment portfolios: diversified stocks, diversified bonds and diversified cash alternatives.

    Each provides a single entry point into a broadly diversified portfolio of underlying traditional and extended strategies within the specific asset class category.

    The underlying allocations are professionally managed to optimize asset-class-specific portfolio efficiency and systematically rebalanced to maintain proper risk/reward characteristics.

    Download the Core Menu Innovation Brochure (PDF)

  • Better Diversification

    Core Menu InnovationSM leverages the benefits of diversification to deliver more effective investment results. These strategies incorporate diversification across traditional and extended asset classes. Providing this type of consolidated lineup can help lead to better participant investment decisions.

    • Simplified choices participants can understand
    • Well-diversified, "all-in-one" asset class portfolios
    • Systematic rebalancing to maintain proper risk/reward characteristics within each diversified portfolio.

    Download the Core Menu Innovation Brochure (PDF)

  • Participant Benefits

    Core Menu InnovationSM seeks to combine the diversification benefits of professionally managed asset allocation solutions with the proven research behind participant behavior and choice architecture. The result is:

    • Simpler, smarter investment choices
    • Better diversification with access to institutional-quality strategies
    • Higher probability of better investment outcomes
    • Potentially greater engagement

    Download the Core Menu Innovation Brochure (PDF)

  • Offerings

    J.P. Morgan is dedicated to helping plan sponsors and their advisors strengthen DC plan investment effectiveness. Working together, we can help increase the odds that participants achieve their retirement funding needs. Our Core Menu InnovationSM strategies provide clients the flexibility to define the engagement model that best suits their needs:

    • Strategic asset allocation
    • Ongoing tactical asset allocation
    • Investments (structure and strategies)
    • Implementation strategy (re-enrollment)
    • Participant communications strategy and implementation

    Download the Core Menu Innovation Brochure (PDF)

Focus your aim: Innovating the defined contribution core menu to help increase the odds of participant success

The defined contribution (DC) industry has introduced numerous advancements to help participants achieve stronger retirement funding levels. One critical area of DC plan design, however, continues to fall short in meeting the needs of the vast majority of participants: the core investment menu.

In this paper, we address:

  • How current core investment line-ups are failing to connect to participant needs
  • Why Core Menu Innovation℠ offers better investment choice for participants who prefer a more active role in determining their asset allocation and risk profiles
  • How successful implementation can deliver a more complete plan line-up
Rethinking the defined contribution core investment line-up

The typical core investment menu in defined contribution plans continue to fall short in meeting the needs of most plan participants. Core Menu Innovation is J. P. Morgan Asset management’s approach to help participants make better investment decisions.

Read the article in the Spring 2012 interactive edition of Journey magazine.

Plan Participants Overwhelmed by Choice

How investment choice in 401(k) plans can be made more effective for participants by simplifying the core menu while embedding diversification for a better investment outcome.

Fiduciary Implications: Using re-enrollment to improve target date fund adoption

Fred Reish, a partner at Drinker Biddle & Reath LLP, discusses strategies available to help plan sponsors improve target date usage in their plan along with the fiduciary implications of their decisions.

Thought Leadership team

Michael Falcon

Michael Falcon, Managing Director,
Head of Retirement
J.P. Morgan Asset Management

Donn Hess

Donn Hess, Managing Director,
Head of Product Development
J.P. Morgan Asset Management

Anne Lester

Anne Lester, Managing Director,
Portfolio Manager, Global Multi-Asset Group
J.P. Morgan Asset Management

John Galertaria

John Galateria, Managing Director,
Head of Defined Contribution Investment
Solutions Group
J.P. Morgan Asset Management


Find out more about how Core Menu Innovation addresses the defined contribution core investment line-up. Click on the link above to watch this excerpt from our webcast.


Chris Daley, 212-648-0151