0000928816-24-000553.txt : 20240425 0000928816-24-000553.hdr.sgml : 20240425 20240425172020 ACCESSION NUMBER: 0000928816-24-000553 CONFORMED SUBMISSION TYPE: N-CSRS PUBLIC DOCUMENT COUNT: 7 CONFORMED PERIOD OF REPORT: 20240229 FILED AS OF DATE: 20240425 DATE AS OF CHANGE: 20240425 EFFECTIVENESS DATE: 20240425 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Putnam Target Date Funds CENTRAL INDEX KEY: 0001295293 ORGANIZATION NAME: IRS NUMBER: 000000000 STATE OF INCORPORATION: MA FISCAL YEAR END: 0731 FILING VALUES: FORM TYPE: N-CSRS SEC ACT: 1940 Act SEC FILE NUMBER: 811-21598 FILM NUMBER: 24877549 BUSINESS ADDRESS: STREET 1: 100 FEDERAL STREET CITY: BOSTON STATE: MA ZIP: 02110 BUSINESS PHONE: 6172921000 MAIL ADDRESS: STREET 1: 100 FEDERAL STREET CITY: BOSTON STATE: MA ZIP: 02110 FORMER COMPANY: FORMER CONFORMED NAME: Putnam RetirementReady Funds DATE OF NAME CHANGE: 20040624 0001295293 S000067464 Putnam Retirement Advantage 2025 Fund C000216897 Class Y Shares PLZYX C000216898 Class R6 Shares PBATX C000216899 Class R Shares PRTWX C000216900 Class C Shares PRTJX C000216902 Class A Shares PBDLX C000221978 Class R4 Shares PAFKX C000221979 Class R5 Shares PAFNX C000221980 Class R3 Shares PAFLX 0001295293 S000067465 Putnam Retirement Advantage Maturity Fund C000216903 Class A Shares POMGX C000216905 Class C Shares PLFGX C000216906 Class R Shares PAKYX C000216907 Class Y Shares PAETX C000216908 Class R6 Shares PADLX C000221981 Class R3 Shares PAHMX C000221982 Class R4 Shares PAHNX C000221983 Class R5 Shares PAHOX 0001295293 S000067466 Putnam Retirement Advantage 2030 Fund C000216910 Class C Shares PDLKX C000216911 Class R Shares PDKAX C000216912 Class R6 Shares PDIZX C000216913 Class Y Shares PDGKX C000216914 Class A Shares PDLTX C000221984 Class R5 Shares PAFVX C000221985 Class R3 Shares PAFOX C000221986 Class R4 Shares PAFQX 0001295293 S000067467 Putnam Retirement Advantage 2035 Fund C000216916 Class A Shares PDFLX C000216917 Class C Shares PDAWX C000216918 Class R Shares PDAKX C000216919 Class R6 Shares PCDLX C000216920 Class Y Shares POWYX C000221987 Class R3 Shares PAFWX C000221988 Class R4 Shares PAFUX C000221989 Class R5 Shares PAFYX 0001295293 S000067468 Putnam Retirement Advantage 2040 Fund C000216922 Class C Shares PBBZX C000216923 Class R Shares PBAOX C000216924 Class R6 Shares PBAMX C000216925 Class Y Shares PALZX C000216926 Class A Shares PCCLX C000221990 Class R3 Shares PAGKX C000221991 Class R4 Shares PAGJX C000221992 Class R5 Shares PAGOX 0001295293 S000067469 Putnam Retirement Advantage 2045 Fund C000216927 Class Y Shares PAFJX C000216928 Class R6 Shares PAFMX C000216929 Class R Shares PAFZX C000216930 Class C Shares PAFPX C000216932 Class A Shares PALGX C000221993 Class R4 Shares PAGUX C000221994 Class R3 Shares PAGQX C000221995 Class R5 Shares PAGWX 0001295293 S000067470 Putnam Retirement Advantage 2050 Fund C000216933 Class A Shares PAEZX C000216935 Class C Shares PAENX C000216936 Class R Shares PAEQX C000216937 Class Y Shares PHPDX C000216938 Class R6 Shares PAEKX C000221996 Class R3 Shares PAGZX C000221997 Class R4 Shares PAHAX C000221998 Class R5 Shares PAHDX 0001295293 S000067471 Putnam Retirement Advantage 2055 Fund C000216939 Class A Shares PADYX C000216941 Class C Shares PACWX C000216942 Class R Shares PACSX C000216943 Class R6 Shares PACJX C000216944 Class Y Shares PAAWX C000221999 Class R3 Shares PAHEX C000222000 Class R4 Shares PAHFX C000222001 Class R5 Shares PAHGX 0001295293 S000067472 Putnam Retirement Advantage 2060 Fund C000216945 Class A Shares PAAVX C000216947 Class C Shares PAAPX C000216948 Class R Shares PAAMX C000216949 Class Y Shares PAKJX C000216950 Class R6 Shares PAAKX C000222002 Class R3 Shares PAHJX C000222003 Class R5 Shares PAHLX C000222004 Class R4 Shares PAHKX 0001295293 S000070572 Putnam Retirement Advantage 2065 Fund C000224154 Class Y PCKEX C000224155 Class R6 PCKJX C000224156 Class R5 PCKIX C000224157 Class R4 PCKHX C000224158 Class A PCJZX C000224159 Class R PCKFX C000224160 Class C PCKBX C000224162 Class R3 PCKGX N-CSRS 1 a_retirementadvantage.htm PUTNAM TARGET DATE FUNDS a_retirementadvantage.htm


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM N-CSR

CERTIFIED SHAREHOLDER REPORT OF REGISTERED
MANAGEMENT INVESTMENT COMPANIES




Investment Company Act file number: (811-21598)
Exact name of registrant as specified in charter: Putnam Target Date Funds
Address of principal executive offices: 100 Federal Street, Boston, Massachusetts 02110
Name and address of agent for service: Stephen Tate, Vice President
100 Federal Street
Boston, Massachusetts 02110
Copy to:         Bryan Chegwidden, Esq.
Ropes & Gray LLP
1211 Avenue of the Americas
New York, New York 10036
        James E. Thomas, Esq.
Ropes & Gray LLP
800 Boylston Street
Boston, Massachusetts 02199
Registrant’s telephone number, including area code: (617) 292-1000
Date of fiscal year end: August 31, 2024
Date of reporting period: September 1, 2023 – February 29, 2024



Item 1. Report to Stockholders:

The following is a copy of the report transmitted to stockholders pursuant to Rule 30e-1 under the Investment Company Act of 1940:



 

Putnam Retirement
Advantage
Funds

Putnam Retirement Advantage 2065 Fund  Putnam Retirement Advantage 2040 Fund 
Putnam Retirement Advantage 2060 Fund  Putnam Retirement Advantage 2035 Fund 
Putnam Retirement Advantage 2055 Fund  Putnam Retirement Advantage 2030 Fund 
Putnam Retirement Advantage 2050 Fund  Putnam Retirement Advantage 2025 Fund 
Putnam Retirement Advantage 2045 Fund  Putnam Retirement Advantage Maturity Fund 

 

Semiannual report
2 | 29 | 24

 

 


 

Message from the Trustees

April 10, 2024

Dear Fellow Shareholder:

We are pleased to report that on January 1, 2024, Franklin Resources, Inc., a leading global asset management firm operating as Franklin Templeton, acquired Putnam Investments. With complementary capabilities and an established infrastructure serving over 150 countries, Franklin Templeton enhances Putnam’s investment, risk management, operations, and technology platforms. Together, our firms are committed to delivering strong fund performance and more choices for our investors.

We are also excited to welcome Jane E. Trust as an interested trustee to your Board of Trustees. Ms. Trust contributes over 30 years of investment management experience to The Putnam Funds, and has served as Senior Vice President, Fund Board Management, at Franklin Templeton since 2020.

As we enter this new chapter, you can rest assured that your fund continues to be actively managed by the same experienced professionals. Your investment team is exploring new and attractive opportunities for your fund while monitoring changing market conditions.

Thank you for investing with Putnam.



 

Your fund at a glance

Allocations by fund as of 2/29/24

Underlying Putnam Fund  2065 Fund  2060 Fund  2055 Fund  2050 Fund  2045 Fund  2040 Fund  2035 Fund  2030 Fund  2025 Fund  Maturity Fund 
Putnam Dynamic Asset Allocation                     
Equity Fund Class P  78.2%  66.8%  44.2%  19.4%  0.0%  0.0%  0.0%  0.0%  0.0%  0.0% 
Putnam Dynamic Asset Allocation                     
Growth Fund Class P  21.4%  32.7%  55.2%  79.9%  96.8%  61.1%  7.8%  0.0%  0.0%  0.0% 
Putnam Dynamic Asset Allocation                     
Balanced Fund Class P  0.0%  0.0%  0.0%  0.0%  1.2%  35.7%  88.0%  44.4%  6.2%  0.0% 
Putnam Dynamic Asset Allocation                     
Conservative Fund Class P  0.0%  0.0%  0.0%  0.0%  0.0%  0.0%  0.0%  36.8%  22.0%  0.0% 
Putnam Multi-Asset Income                     
Fund Class P  0.0%  0.0%  0.0%  0.0%  0.0%  0.0%  0.0%  13.3%  65.8%  94.0% 
Putnam Short Term Investment                     
Fund Class G  0.5%  0.5%  0.5%  0.7%  2.0%  3.1%  4.2%  5.4%  6.0%  6.0% 

 

Percentages are based on net assets as of 2/29/24. Portfolio composition will vary over time. Due to rounding, percentages may not equal 100%.

 

2 Retirement Advantage Funds 

 


 

Your fund’s expenses

As a mutual fund investor, you pay ongoing expenses, such as management fees, distribution fees (12b-1 fees), and other expenses. In the most recent six-month period, your fund’s expenses were limited; had expenses not been limited, they would have been higher. Using the following information, you can estimate how these expenses affect your investment and compare them with the expenses of other funds. You may also pay one-time transaction expenses, including sales charges (loads) and redemption fees, which are not shown in this section and would have resulted in higher total expenses. For more information, see your fund’s prospectus or talk to your financial representative.

Expense ratios

  Class A  Class C  Class R  Class R3  Class R4  Class R5  Class R6  Class Y 
2065 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*†  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  29.20%  29.95%  29.60%  29.35%  29.10%  28.95%  28.85%  28.95% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.19%  0.94%  0.59%  0.34%  0.09%  –0.06%  –0.16%  –0.06% 
2060 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*†  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  5.90%  6.65%  6.30%  6.05%  5.80%  5.65%  5.55%  5.65% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.18%  0.93%  0.58%  0.33%  0.08%  –0.07%  –0.17%  –0.07% 
2055 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*†  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  3.91%  4.66%  4.31%  4.06%  3.81%  3.66%  3.56%  3.66% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.17%  0.92%  0.57%  0.32%  0.07%  –0.08%  –0.18%  –0.08% 
2050 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*†  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  3.22%  3.97%  3.62%  3.37%  3.12%  2.97%  2.87%  2.97% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.16%  0.91%  0.56%  0.31%  0.06%  –0.09%  –0.19%  –0.09% 
2045 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  2.58%  3.33%  2.98%  2.73%  2.48%  2.33%  2.23%  2.33% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.16%  0.91%  0.56%  0.31%  0.06%  –0.09%  –0.19%  –0.09% 

 

Retirement Advantage Funds 3 

 


 

Expense ratios cont.

  Class A  Class C  Class R  Class R3  Class R4  Class R5  Class R6  Class Y 
2040 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*†  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  2.57%  3.32%  2.97%  2.72%  2.47%  2.32%  2.22%  2.32% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.19%  0.94%  0.59%  0.34%  0.09%  –0.06%  –0.16%  –0.06% 
2035 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  2.16%  2.91%  2.56%  2.31%  2.06%  1.91%  1.81%  1.91% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.23%  0.98%  0.63%  0.38%  0.13%  –0.02%  –0.12%  –0.02% 
2030 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  2.20%  2.95%  2.60%  2.35%  2.10%  1.95%  1.85%  1.95% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.25%  1.00%  0.65%  0.40%  0.15%  0.00%  –0.10%  0.00% 
2025 Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  2.12%  2.87%  2.52%  2.27%  2.02%  1.87%  1.77%  1.87% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.33%  1.08%  0.73%  0.48%  0.23%  0.08%  –0.02%  0.08% 
Maturity Fund                 
Net expenses for the fiscal year                 
ended 8/31/23*†  0.80%  1.55%  1.20%  0.95%  0.70%  0.55%  0.45%  0.55% 
Total annual operating expenses                 
for the fiscal year ended 8/31/23  2.01%  2.76%  2.41%  2.16%  1.91%  1.76%  1.66%  1.76% 
Annualized expense ratio for the                 
six-month period ended 2/29/24#  0.41%  1.16%  0.81%  0.56%  0.31%  0.16%  0.06%  0.16% 

 

Fiscal year expense information in this table is taken from the most recent prospectus, is subject to change, and differs from that shown for the annualized expense ratio and in the financial highlights of this report.

Expenses are shown as a percentage of average net assets.

Prospectus expense information also includes the impact of acquired fund fees and expense in which each fund invests (see table below), which are not included in financial highlights or annualized expense ratios.

2065 Fund   0.63% 
2060 Fund   0.63% 
2055 Fund   0.64% 
2050 Fund   0.65% 
2045 Fund   0.64% 
2040 Fund   0.61% 
2035 Fund   0.57% 
2030 Fund   0.55% 
2025 Fund   0.44% 
Maturity Fund   0.39% 

 

* Reflects Putnam Management’s decision to contractually limit expenses through 12/30/26.

Restated to reflect current fees.

# Excludes the expense ratio of the underlying Putnam mutual funds.

4 Retirement Advantage Funds 

 


 

Expenses per $1,000

The following table shows the expenses you would have paid on a $1,000 investment in each fund from 9/1/23 to 2/29/24. It also shows how much a $1,000 investment would be worth at the close of the period, assuming actual returns and expenses.

  Class A  Class C  Class R  Class R3  Class R4  Class R5  Class R6  Class Y 
2065 Fund                 
Expenses paid per $1,000*†  $1.01  $5.00  $3.14  $1.81  $0.48  $(0.32)  $(0.85)  $(0.32) 
Ending value (after expenses)  $1,144.70  $1,140.80  $1,142.40  $1,143.60  $1,145.70  $1,146.40  $1,147.60  $1,146.40 
2060 Fund                 
Expenses paid per $1,000*†  $0.96  $4.95  $3.09  $1.76  $0.43  $(0.37)  $(0.91)  $(0.37) 
Ending value (after expenses)  $1,142.10  $1,138.80  $1,140.70  $1,141.70  $1,143.30  $1,143.50  $1,144.50  $1,143.60 
2055 Fund                 
Expenses paid per $1,000*†  $0.90  $4.88  $3.03  $1.70  $0.37  $(0.43)  $(0.96)  $(0.43) 
Ending value (after expenses)  $1,138.70  $1,135.30  $1,137.00  $1,138.30  $1,139.40  $1,141.10  $1,140.90  $1,141.10 
2050 Fund                 
Expenses paid per $1,000*†  $0.85  $4.82  $2.97  $1.65  $0.32  $(0.48)  $(1.01)  $(0.48) 
Ending value (after expenses)  $1,135.90  $1,130.70  $1,132.90  $1,135.30  $1,135.90  $1,137.00  $1,136.70  $1,136.90 
2045 Fund                 
Expenses paid per $1,000*†  $0.85  $4.81  $2.96  $1.64  $0.32  $(0.48)  $(1.01)  $(0.48) 
Ending value (after expenses)  $1,130.10  $1,125.90  $1,128.60  $1,128.70  $1,131.30  $1,131.60  $1,132.60  $1,132.00 
2040 Fund                 
Expenses paid per $1,000*†  $1.00  $4.95  $3.11  $1.79  $0.48  $(0.32)  $(0.85)  $(0.32) 
Ending value (after expenses)  $1,123.60  $1,117.80  $1,120.70  $1,122.00  $1,123.70  $1,123.70  $1,124.60  $1,124.00 
2035 Fund                 
Expenses paid per $1,000*†  $1.21  $5.13  $3.30  $1.99  $0.68  $(0.11)  $(0.63)  $(0.11) 
Ending value (after expenses)  $1,112.40  $1,107.20  $1,109.50  $1,110.70  $1,112.50  $1,113.50  $1,113.40  $1,112.40 
2030 Fund                 
Expenses paid per $1,000*†  $1.30  $5.19  $3.38  $2.08  $0.78  $—  $(0.52)  $— 
Ending value (after expenses)  $1,090.40  $1,085.70  $1,088.50  $1,088.70  $1,089.40  $1,091.50  $1,091.40  $1,091.60 
2025 Fund                 
Expenses paid per $1,000*†  $1.70  $5.55  $3.76  $2.47  $1.19  $0.41  $(0.10)  $0.41 
Ending value (after expenses)  $1,073.10  $1,068.50  $1,071.20  $1,071.60  $1,074.10  $1,074.30  $1,075.40  $1,074.70 
Maturity Fund                 
Expenses paid per $1,000*†  $2.11  $5.96  $4.17  $2.88  $1.60  $0.82  $0.31  $0.82 
Ending value (after expenses)  $1,069.50  $1,065.60  $1,068.20  $1,069.20  $1,070.10  $1,070.60  $1,071.10  $1,070.60 

 

* Expenses for each share class are calculated using the fund’s annualized expense ratio for each class, which represents the ongoing expenses as a percentage of average net assets for the six months ended 2/29/24. The expense ratio may differ for each share class.

Expenses are calculated by multiplying the expense ratio by the average account value for the period; then multiplying the result by the number of days in the period (182); and then dividing that result by the number of days in the year (366).

Retirement Advantage Funds 5 

 


 

Estimate the expenses you paid

To estimate the expenses you paid for the six months ended 8/31/23, use the following calculation method. To find the value of your investment on 3/1/23, call Putnam at 1-800-225-1581.


6 Retirement Advantage Funds 

 


 

Compare expenses using the SEC’s method

The Securities and Exchange Commission (SEC) has established guidelines to help investors assess fund expenses. Per these guidelines, the following table shows your fund’s expenses based on a $1,000 investment, assuming a hypothetical 5% annualized return. You can use this information to compare the ongoing expenses (but not transaction expenses or total costs) of investing in each of the Retirement Advantage Funds with those of other funds. All mutual fund shareholder reports will provide this information to help you make this comparison. Please note that you cannot use this information to estimate your actual ending account balance and expenses paid during the period.

  Class A  Class C  Class R  Class R3  Class R4  Class R5  Class R6  Class Y 
2065 Fund                 
Expenses paid per $1,000*†  $0.96  $4.72  $2.97  $1.71  $0.45  $(0.30)  $(0.81)  $(0.30) 
Ending value (after expenses)  $1,023.92  $1,020.19  $1,021.93  $1,023.17  $1,024.42  $1,025.16  $1,025.66  $1,025.16 
2060 Fund                 
Expenses paid per $1,000*†  $0.91  $4.67  $2.92  $1.66  $0.40  $(0.35)  $(0.86)  $(0.35) 
Ending value (after expenses)  $1,023.97  $1,020.24  $1,021.98  $1,023.22  $1,024.47  $1,025.21  $1,025.71  $1,025.21 
2055 Fund                 
Expenses paid per $1,000*†  $0.86  $4.62  $2.87  $1.61  $0.35  $(0.40)  $(0.91)  $(0.40) 
Ending value (after expenses)  $1,024.02  $1,020.29  $1,022.03  $1,023.27  $1,024.52  $1,025.26  $1,025.76  $1,025.26 
2050 Fund                 
Expenses paid per $1,000*†  $0.81  $4.57  $2.82  $1.56  $0.30  $(0.45)  $(0.96)  $(0.45) 
Ending value (after expenses)  $1,024.07  $1,020.34  $1,022.08  $1,023.32  $1,024.57  $1,025.31  $1,025.81  $1,025.31 
2045 Fund                 
Expenses paid per $1,000*†  $0.81  $4.57  $2.82  $1.56  $0.30  $(0.45)  $(0.96)  $(0.45) 
Ending value (after expenses)  $1,024.07  $1,020.34  $1,022.08  $1,023.32  $1,024.57  $1,025.31  $1,025.81  $1,025.31 
2040 Fund                 
Expenses paid per $1,000*†  $0.96  $4.72  $2.97  $1.71  $0.45  $(0.30)  $(0.81)  $(0.30) 
Ending value (after expenses)  $1,023.92  $1,020.19  $1,021.93  $1,023.17  $1,024.42  $1,025.16  $1,025.66  $1,025.16 
2035 Fund                 
Expenses paid per $1,000*†  $1.16  $4.92  $3.17  $1.91  $0.65  $(0.10)  $(0.60)  $(0.10) 
Ending value (after expenses)  $1,023.72  $1,019.99  $1,021.73  $1,022.97  $1,024.22  $1,024.96  $1,025.46  $1,024.96 
2030 Fund                 
Expenses paid per $1,000*†  $1.26  $5.02  $3.27  $2.01  $0.75  $—  $(0.50)  $— 
Ending value (after expenses)  $1,023.62  $1,019.89  $1,021.63  $1,022.87  $1,024.12  $1,024.86  $1,025.36  $1,024.86 
2025 Fund                 
Expenses paid per $1,000*†  $1.66  $5.42  $3.67  $2.41  $1.16  $0.40  $(0.10)  $0.40 
Ending value (after expenses)  $1,023.22  $1,019.49  $1,021.23  $1,022.48  $1,023.72  $1,024.47  $1,024.96  $1,024.47 
Maturity Fund                 
Expenses paid per $1,000*†  $2.06  $5.82  $4.07  $2.82  $1.56  $0.81  $0.30  $0.81 
Ending value (after expenses)  $1,022.82  $1,019.10  $1,020.84  $1,022.08  $1,023.32  $1,024.07  $1,024.57  $1,024.07 

 

* Expenses for each share class are calculated using the fund’s annualized expense ratio for each class, which represents the ongoing expenses as a percentage of average net assets for the six months ended 2/29/24. The expense ratio may differ for each share class.

Expenses are calculated by multiplying the expense ratio by the average account value for the period; then multiplying the result by the number of days in the period (182); and then dividing that result by the number of days in the year (366).

Retirement Advantage Funds 7 

 


 

Other information for shareholders

Important notice regarding delivery of shareholder documents

In accordance with Securities and Exchange Commission (SEC) regulations, your fund’s manager sends a single notice of internet availability, or a single printed copy, of annual and semiannual shareholder reports, prospectuses, and proxy statements to shareholders who share the same address, unless a shareholder requests otherwise. If you prefer to receive your own copy of these documents, please call 1-800-225-1581 or, for exchange-traded funds only, 1-833-228-5577. We will begin sending individual copies within 30 days.

Proxy voting

The Putnam Funds’ proxy voting guidelines and procedures, as well as information regarding how your fund voted proxies relating to portfolio securities during the 12-month period ended June 30, 2023, are available in the Individual Investors section of putnam.com and on the SEC’s website, www.sec.gov. If you have questions about finding forms on the SEC’s website, you may call the SEC at 1-800-SEC-0330. You may also obtain The Putnam Funds’ proxy voting guidelines and procedures at no charge by calling Shareholder Services at 1-800-225-1581 or, for exchange-traded funds only, 1-833-228-5577.

Fund portfolio holdings

Each fund will file a complete schedule of its portfolio holdings with the SEC for the first and third quarters of each fiscal year on Form N-PORT within 60 days of the end of such fiscal quarter. Shareholders may obtain each fund’s Form N-PORT on the SEC’s website at www.sec.gov.

8 Retirement Advantage Funds 

 


 

Important notice regarding Putnam’s privacy policy

In order to conduct business with our shareholders, we must obtain certain personal information such as account holders’ names, addresses, Social Security numbers, and dates of birth. Using this information, we are able to maintain accurate records of accounts and transactions.

It is our policy to protect the confidentiality of our shareholder information, whether or not a shareholder currently owns shares of our funds. In particular, it is our policy not to sell information about you or your accounts to outside marketing firms. We have safeguards in place designed to prevent unauthorized access to our computer systems and procedures to protect personal information from unauthorized use.

Under certain circumstances, we must share account information with outside vendors who provide services to us, such as mailings and proxy solicitations. In these cases, the service providers enter into confidentiality agreements with us, and we provide only the information necessary to process transactions and perform other services related to your account. Finally, it is our policy to share account information with your financial representative, if you’ve listed one on your Putnam account.

Retirement Advantage Funds 9 

 


 

Financial statements

These sections of the report, as well as the accompanying Notes, constitute each fund’s financial statements.

The funds’ portfolios list each funds’s investments and their values as of the last day of the reporting period. Holdings are organized by asset type and industry sector, country, or state to show areas of concentration and diversification.

Statement of assets and liabilities shows how each fund’s net assets and share price are determined. All investment and non-investment assets are added together. Any unpaid expenses and other liabilities are subtracted from this total. The result is divided by the number of shares to determine the net asset value per share, which is calculated separately for each class of shares. (For funds with preferred shares, the amount subtracted from total assets includes the liquidation preference of preferred shares.)

Statement of operations shows each fund’s net investment gain or loss. This is done by first adding up all the fund’s earnings — from dividends and interest income — and subtracting its operating expenses to determine net investment income (or loss). Then, any net gain or loss the fund realized on the sales of its holdings — as well as any unrealized gains or losses over the period — is added to or subtracted from the net investment result to determine the fund’s net gain or loss for the fiscal period.

Statement of changes in net assets shows how each fund’s net assets were affected by the fund’s net investment gain or loss, by distributions to shareholders, and by changes in the number of the fund’s shares. It lists distributions and their sources (net investment income or realized capital gains) over the current reporting period and the most recent fiscal year-end. The distributions listed here may not match the sources listed in the Statement of operations because the distributions are determined on a tax basis and may be paid in a different period from the one in which they were earned. Dividend sources are estimated at the time of declaration. Actual results may vary. Any non-taxable return of capital cannot be determined until final tax calculations are completed after the end of the fund’s fiscal period.

Financial highlights provide an overview of each fund’s investment results, per-share distributions, expense ratios, net investment income ratios, and portfolio turnover (not required for money market funds) in one summary table, reflecting the five most recent reporting periods. In a semiannual report, the highlights table also includes the current reporting period.

10 Retirement Advantage Funds 

 


 

The funds’ portfolios 2/29/24 (Unaudited)

2065 Fund  Shares  Value 
ASSET ALLOCATION FUNDS (99.6%)*     
Putnam Dynamic Asset Allocation Equity Fund Class P †††  40,924  $554,522 
Putnam Dynamic Asset Allocation Growth Fund Class P †††  7,784  151,391 
Total asset allocation funds (cost $623,266)    $705,913 
 
SHORT-TERM INVESTMENTS (0.5%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  3,208  $3,208 
Total short-term investments (cost $3,208)    $3,208 
 
TOTAL INVESTMENTS     
Total investments (cost $626,474)    $709,121 

 

*Percentages indicated are based on net assets of $708,968.

 

2060 Fund  Shares  Value 
ASSET ALLOCATION FUNDS (99.5%)*     
Putnam Dynamic Asset Allocation Equity Fund Class P †††  171,250  $2,320,435 
Putnam Dynamic Asset Allocation Growth Fund Class P †††  58,346  1,134,836 
Total asset allocation funds (cost $3,033,409)    $3,455,271 
 
SHORT-TERM INVESTMENTS (0.5%) *     
Putnam Short Term Investment Fund Class G 5.51% †††  16,912  $16,912 
Total short-term investments (cost $16,912)    $16,912 
 
TOTAL INVESTMENTS     
Total investments (cost $3,050,321)    $3,472,183 

 

*Percentages indicated are based on net assets of $3,472,642.

 

2055 Fund  Shares  Value 
ASSET ALLOCATION FUNDS (99.5%)*     
Putnam Dynamic Asset Allocation Equity Fund Class P †††  169,838  $2,301,306 
Putnam Dynamic Asset Allocation Growth Fund Class P †††  147,766  2,874,056 
Total asset allocation funds (cost $4,642,654)    $5,175,362 
 
SHORT-TERM INVESTMENTS (0.5%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  25,830  $25,830 
Total short-term investments (cost $25,830)    $25,830 
 
TOTAL INVESTMENTS     
Total investments (cost $4,668,484)    $5,201,192 

 

*Percentages indicated are based on net assets of $5,202,156.

 

Retirement Advantage Funds 11 

 


 

The funds’ portfolios 2/29/24 (Unaudited) cont.

2050 Fund  Shares  Value 
ASSET ALLOCATION FUNDS (99.3%)*     
Putnam Dynamic Asset Allocation Equity Fund Class P †††  105,214  $1,425,650 
Putnam Dynamic Asset Allocation Growth Fund Class P †††  302,697  5,887,448 
Total asset allocation funds (cost $6,644,824)    $7,313,098 
 
SHORT-TERM INVESTMENTS (0.7%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  50,994  $50,994 
Total short-term investments (cost $50,994)    $50,994 
 
TOTAL INVESTMENTS     
Total investments (cost $6,695,818)    $7,364,092 

 

*Percentages indicated are based on net assets of $7,365,777.

 

2045 Fund  Shares  Value 
ASSET ALLOCATION FUNDS (97.9%)*     
Putnam Dynamic Asset Allocation Balanced Fund Class P †††  8,964  $142,975 
Putnam Dynamic Asset Allocation Growth Fund Class P †††  599,713  11,664,422 
Total asset allocation funds (cost $10,937,210)    $11,807,397 
 
SHORT-TERM INVESTMENTS (2.0%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  245,556  $245,556 
Total short-term investments (cost $245,556)    $245,556 
 
TOTAL INVESTMENTS     
Total investments (cost $11,182,766)    $12,052,953 

 

*Percentages indicated are based on net assets of $12,055,753.

 

2040 Fund  Shares  Value 
ASSET ALLOCATION FUNDS (96.9%)*     
Putnam Dynamic Asset Allocation Balanced Fund Class P †††  298,271  $4,757,421 
Putnam Dynamic Asset Allocation Growth Fund Class P †††  418,266  8,135,278 
Total asset allocation funds (cost $11,626,132)    $12,892,699 
 
SHORT-TERM INVESTMENTS (3.1%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  412,798  $412,798 
Total short-term investments (cost $412,798)    $412,798 
 
TOTAL INVESTMENTS     
Total investments (cost $12,038,930)    $13,305,497 

 

*Percentages indicated are based on net assets of $13,307,976.

 

12 Retirement Advantage Funds 

 


 

The funds’ portfolios 2/29/24 (Unaudited) cont.

2035 Fund  Shares  Value 
ASSET ALLOCATION FUNDS (95.8%)*     
Putnam Dynamic Asset Allocation Balanced Fund Class P †††  938,766  $14,973,319 
Putnam Dynamic Asset Allocation Growth Fund Class P †††  68,211  1,326,702 
Total asset allocation funds (cost $14,887,264)    $16,300,021 
 
SHORT-TERM INVESTMENTS (4.2%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  711,464  $711,464 
Total short-term investments (cost $711,464)    $711,464 
 
TOTAL INVESTMENTS     
Total investments (cost $15,598,728)    $17,011,485 

 

*Percentages indicated are based on net assets of $17,013,281.

 

2030 Fund  Shares  Value 
ASSET ALLOCATION FUNDS (81.3%)*     
Putnam Dynamic Asset Allocation Balanced Fund Class P †††  469,821  $7,493,646 
Putnam Dynamic Asset Allocation Conservative Fund Class P †††  598,555  6,213,000 
Total asset allocation funds (cost $12,680,099)    $13,706,646 
 
MULTI-ASSET INCOME FUNDS (13.3%)*     
Putnam Multi-Asset Income Fund Class P †††  219,633  $2,244,653 
Total multi-asset income funds (cost $2,136,653)    $2,244,653 
 
SHORT-TERM INVESTMENTS (5.4%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  914,905  $914,905 
Total short-term investments (cost $914,905)    $914,905 
 
TOTAL INVESTMENTS     
Total investments (cost $15,731,657)    $16,866,204 

 

*Percentages indicated are based on net assets of $16,867,888.

 

2025 Fund  Shares  Value 
MULTI-ASSET INCOME FUNDS (65.8%)*     
Putnam Multi-Asset Income Fund Class P †††  862,387  $8,813,596 
Total multi-asset income funds (cost $8,349,344)    $8,813,596 
 
ASSET ALLOCATION FUNDS (28.2%)*     
Putnam Dynamic Asset Allocation Balanced Fund Class P †††  51,676  $824,238 
Putnam Dynamic Asset Allocation Conservative Fund Class P †††  284,293  2,950,958 
Total asset allocation funds (cost $3,521,142)    $3,775,196 
 
SHORT-TERM INVESTMENTS (6.0%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  799,518  $799,518 
Total short-term investments (cost $799,518)    $799,518 
 
TOTAL INVESTMENTS     
Total investments (cost $12,670,004)    $13,388,310 

 

*Percentages indicated are based on net assets of $13,387,299.

 

Retirement Advantage Funds 13 

 


 

The funds’ portfolios 2/29/24 (Unaudited) cont.

Maturity Fund  Shares  Value 
MULTI-ASSET INCOME FUNDS (94.0%)*     
Putnam Multi-Asset Income Fund Class P †††  1,273,078  $13,010,855 
Total multi-asset income funds (cost $12,709,655)    $13,010,855 
 
SHORT-TERM INVESTMENTS (6.0%)*     
Putnam Short Term Investment Fund Class G 5.51% †††  827,489  $827,489 
Total short-term investments (cost $827,489)    $827,489 
 
TOTAL INVESTMENTS     
Total investments (cost $13,537,144)    $13,838,344 

 

*Percentages indicated are based on net assets of $13,836,485.

Notes to the fund’s portfolio

Unless noted otherwise, the notes to the funds’ portfolios are for the close of each fund’s reporting period, which ran from September 1, 2023 through February 29, 2024 (the reporting period). Within the following notes to the portfolio, references to “ASC 820” represent Accounting Standards Codification ASC 820 Fair Value Measurements and Disclosures.

†††Affiliated Company (Note 5). For investments in Putnam Short-Term Investment Fund Class G, the rate quoted in the security description is the annualized 7-day yield of the fund at the close of the reporting period.


ASC 820 establishes a three-level hierarchy for disclosure of fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of each fund’s investments. The three levels are defined as follows:

Level 1 : Valuations based on quoted prices for identical securities in active markets.

Level 2 : Valuations based on quoted prices in markets that are not active or for which all significant inputs are observable, either directly or indirectly.

Level 3 : Valuations based on inputs that are unobservable and significant to the fair value measurement.

The following is a summary of the inputs used to value the funds’ net assets as of the close of the reporting period:

2065 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $151,391  $554,522  $— 
Short-Term Investments    3,208   
Totals by level  $151,391  $557,730  $ 
 
2060 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $1,134,836  $2,320,435  $— 
Short-Term Investments    16,912   
Totals by level  $1,134,836  $2,337,347  $ 
 
2055 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $2,874,056  $2,301,306  $— 
Short-Term Investments    25,830   
Totals by level  $2,874,056  $2,327,136  $ 

 

14 Retirement Advantage Funds 

 


 

The funds’ portfolios 2/29/24 (Unaudited) cont.

2050 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $5,887,448  $1,425,650  $— 
Short-Term Investments    50,994   
Totals by level  $5,887,448  $1,476,644  $ 
 
2045 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $11,807,397  $—  $— 
Short-Term Investments    245,556   
Totals by level  $11,807,397  $245,556  $ 
 
2040 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $12,892,699  $—  $— 
Short-Term Investments    412,798   
Totals by level  $12,892,699  $412,798  $ 
 
2035 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $16,300,021  $—  $— 
Short-Term Investments    711,464   
Totals by level  $16,300,021  $711,464  $ 
 
2030 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $13,706,646  $—  $— 
Multi-Asset Income Funds  2,244,653     
Short-Term Investments    914,905   
Totals by level  $15,951,299  $914,905  $ 
 
2025 Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Asset Allocation Funds  $3,775,196  $—  $— 
Multi-Asset Income Funds  8,813,596     
Short-Term Investments    799,518   
Totals by level  $12,588,792  $799,518  $ 
 
Maturity Fund      Valuation inputs   
Investments in securities:  Level 1  Level 2  Level 3 
Multi-Asset Income Funds  $13,010,855  $—  $— 
Short-Term Investments    827,489   
Totals by level  $13,010,855  $827,489  $ 

 

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 15 

 


 

Statement of assets and liabilities 2/29/24 (Unaudited)

ASSETS  2065 Fund  2060 Fund  2055 Fund  2050 Fund  2045 Fund 
Investments in affiliated underlying           
Putnam funds, at value (Notes 1 and 5)  $709,121  $3,472,183  $5,201,192  $7,364,092  $12,052,953 
Cash    73  55  38  116 
Receivable for income distributions           
from underlying Putnam fund shares  13  72  108  219  1,054 
Receivable for shares of the fund sold  1,224  4,175  9,662  4,255  8,777 
Receivable for investments sold  693        8 
Receivable from Manager (Note 2)  2,702  7,344  9,022  12,805  20,869 
Total assets  713,753  3,483,847  5,220,039  7,381,409  12,083,777 
 
LIABILITIES           
Payable to custodian  2         
Payable for investments purchased  1,237  4,247  9,770  4,473  9,831 
Payable for shares of the           
fund repurchased  693        8 
Payable for investor servicing           
fees (Note 2)  131  249  301  425  688 
Payable for distribution fees (Note 2)  208  275  287  270  436 
Payable for reports to shareholders  1,658  2,580  1,845  2,092  3,445 
Payable for auditing and tax fee  724  3,601  5,461  8,204  13,388 
Other accrued expenses  132  253  219  168  228 
Total liabilities  4,785  11,205  17,883  15,632  28,024 
 
Net assets  $708,968  $3,472,642  $5,202,156  $7,365,777  $12,055,753 
 
REPRESENTED BY           
Paid-in-capital           
(unlimited shares authorized)           
(Notes 1 and 4)  $640,249  $3,210,428  $4,831,670  $6,961,984  $11,409,109 
Total distributable earnings (Note 1)  68,719  262,214  370,486  403,793  646,644 
Total — Representing net assets           
applicable to capital outstanding  $708,968  $3,472,642  $5,202,156  $7,365,777  $12,055,753 
 
COMPUTATION OF NET ASSET VALUE AND OFFERING PRICE       
Computation of net asset value, offering price and redemption price Class A     
Net Assets  $315,194  $496,215  $527,993  $636,034  $900,845 
Number of shares outstanding  28,069  45,898  48,033  60,708  84,378 
Net asset value and redemption price  $11.23  $10.81  $10.99  $10.48  $10.68 
Offering price per class A share           
(100/94.25 of Class A net asset value)*  $11.92  $11.47  $11.66  $11.12  $11.33 
Offering price per class A share           
(100/96.00 of Class A net asset value)**  N/A  N/A  N/A  N/A  N/A 

 

(Continued on next page)

 

16 Retirement Advantage Funds 

 


 

Statement of assets and liabilities 2/29/24 (Unaudited) cont.

COMPUTATION OF NET ASSET           
VALUE AND OFFERING PRICE cont.  2065 Fund  2060 Fund  2055 Fund  2050 Fund  2045 Fund 
Computation of net asset value and offering price Class C       
Net Assets  $46,160  $44,247  $96,077  $15,338  $124,807 
Number of shares outstanding  4,150  4,145  8,789  1,465  11,698 
Net asset value, offering price***  $11.12  $10.68  $10.93  $10.47  $10.67 
Computation of net asset value, offering price and redemption price Class R     
Net Assets  $17,024  $14,143  $13,923  $13,641  $13,367 
Number of shares outstanding  1,518  1,310  1,264  1,298  1,249 
Net asset value, offering price           
and redemption price  $11.21  $10.80  $11.02  $10.51  $10.71 
Computation of net asset value, offering price and redemption price Class R3     
Net Assets  $13,149  $14,266  $14,042  $13,759  $13,483 
Number of shares outstanding  1,167  1,317  1,273  1,308  1,259 
Net asset value, offering price           
and redemption price  $11.27  $10.83  $11.03  $10.52  $10.71 
Computation of net asset value, offering price and redemption price Class R4     
Net Assets  $81,164  $32,530  $30,515  $54,851  $84,407 
Number of shares outstanding  7,208  3,004  2,767  5,219  7,883 
Net asset value, offering price           
and redemption price  $11.26  $10.83  $11.03  $10.51  $10.71 
Computation of net asset value, offering price and redemption price Class R5     
Net Assets  $13,317  $14,462  $14,235  $13,948  $13,669 
Number of shares outstanding  1,180  1,334  1,290  1,325  1,275 
Net asset value, offering price           
and redemption price  $11.28  $10.84  $11.04  $10.53  $10.72 
Computation of net asset value, offering price and redemption price Class R6     
Net Assets  $208,860  $2,834,587  $4,489,590  $6,603,041  $10,797,669 
Number of shares outstanding  18,520  261,414  406,647  627,161  1,007,131 
Net asset value, offering price           
and redemption price  $11.28  $10.84  $11.04  $10.53  $10.72 
Computation of net asset value, offering price and redemption price Class Y     
Net Assets  $14,100  $22,192  $15,781  $15,165  $107,506 
Number of shares outstanding  1,250  2,047  1,430  1,441  10,032 
Net asset value, offering price           
and redemption price  $11.28  $10.84  $11.04  $10.53  $10.72 
Cost of investments (Note 1)  $626,474  $3,050,321  $4,668,484  $6,695,818  $11,182,766 

 

* On retail sales of less than $50,000. On sales of $50,000 or more the offering price is reduced.

** On retail sales of less than $100,000. On sales of $100,000 or more the offering price is reduced.

*** Redemption price per share is equal to the net asset value less any applicable contingent deferred sales charge.

Net asset value may not recalculate due to rounding of fractional shares.

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 17 

 


 

Statement of assets and liabilities 2/29/24 (Unaudited) cont.

ASSETS  2040 Fund  2035 Fund  2030 Fund  2025 Fund  Maturity Fund 
Investments in affiliated underlying           
Putnam funds, at value (Notes 1 and 5)  $13,305,497  $17,011,485  $16,866,204  $13,388,310  $13,838,344 
Cash  54  68  62  157  43 
Receivable for income distributions           
from underlying Putnam fund shares  1,773  3,090  3,953  3,330  3,599 
Receivable for shares of the fund sold  16,608  8,680  103,852  24,523  2,366 
Receivable for investments sold    7  1,308  981  8,165 
Receivable from Manager (Note 2)  21,449  28,363  26,304  20,995  19,121 
Total assets  13,345,381  17,051,693  17,001,683  13,438,296  13,871,638 
 
LIABILITIES           
Payable for shares of the           
fund repurchased    7  1,308  981  8,165 
Payable for investments purchased  18,380  11,768  107,804  27,960  5,959 
Payable for investor servicing           
fees (Note 2)  761  1,061  921  815  714 
Payable for distribution fees (Note 2)  503  853  687  584  305 
Payable for reports to shareholders  2,736  4,619  2,872  4,039  2,833 
Payable for auditing and tax fee  14,696  20,037  19,943  16,500  17,106 
Other accrued expenses  329  67  260  118  71 
Total liabilities  37,405  38,412  133,795  50,997  35,153 
 
Net assets  $13,307,976  $17,013,281  $16,867,888  $13,387,299  $13,836,485 
 
REPRESENTED BY           
Paid-in-capital           
(unlimited shares authorized)           
(Notes 1 and 4)  $12,569,961  $16,827,668  $17,233,236  $14,027,238  $14,320,839 
Total distributable earnings (Note 1)  738,015  185,613  (365,348)  (639,939)  (484,354) 
Total — Representing net assets           
applicable to capital outstanding  $13,307,976  $17,013,281  $16,867,888  $13,387,299  $13,836,485 
 
COMPUTATION OF NET ASSET VALUE AND OFFERING PRICE       
Computation of net asset value, offering price and redemption price Class A     
Net Assets  $1,036,293  $2,029,575  $1,171,286  $1,168,778  $676,061 
Number of shares outstanding  100,253  198,291  117,406  117,412  67,031 
Net asset value and redemption price  $10.34  $10.24  $9.98  $9.95  $10.09 
Offering price per class A share           
(100/94.25 of Class A net asset value)*  $10.97  $10.86  $10.59  $10.56  N/A 
Offering price per class A share           
(100/96.00 of Class A net asset value)**  N/A  N/A  N/A  N/A  $10.51 

 

(Continued on next page)

 

18 Retirement Advantage Funds 

 


 

Statement of assets and liabilities 2/29/24 (Unaudited) cont.

COMPUTATION OF NET ASSET           
VALUE AND OFFERING PRICE  2040 Fund  2035 Fund  2030 Fund  2025 Fund  Maturity Fund 
Computation of net asset value and offering price Class C       
Net Assets  $34,005  $12,477  $77,918  $55,942  $10,368 
Number of shares outstanding  3,291  1,223  7,867  5,639  1,045 
Net asset value, offering price***  $10.33  $10.21  $9.90  $9.92  $9.92 
Computation of net asset value, offering price and redemption price Class R     
Net Assets  $13,071  $12,576  $11,742  $10,704  $10,488 
Number of shares outstanding  1,262  1,227  1,172  1,075  1,049 
Net asset value, offering price           
and redemption price  $10.36  $10.25  $10.02  $9.96  $10.00 
Computation of net asset value, offering price and redemption price Class R3     
Net Assets  $13,183  $12,685  $11,843  $10,795  $10,575 
Number of shares outstanding  1,272  1,235  1,182  1,083  1,053 
Net asset value, offering price           
and redemption price  $10.37  $10.27  $10.02  $9.96  $10.05 
Computation of net asset value, offering price and redemption price Class R4     
Net Assets  $66,175  $39,996  $16,686  $110,997  $32,696 
Number of shares outstanding  6,388  3,898  1,650  11,148  3,238 
Net asset value, offering price           
and redemption price  $10.36  $10.26  $10.11  $9.96  $10.10 
Computation of net asset value, offering price and redemption price Class R5     
Net Assets  $13,365  $12,859  $12,006  $10,943  $10,717 
Number of shares outstanding  1,288  1,251  1,197  1,098  1,058 
Net asset value, offering price           
and redemption price  $10.37  $10.28  $10.03  $9.97  $10.13 
Computation of net asset value, offering price and redemption price Class R6     
Net Assets  $12,097,778  $14,871,647  $15,450,463  $11,964,474  $13,059,794 
Number of shares outstanding  1,165,610  1,447,108  1,540,535  1,200,119  1,286,172 
Net asset value, offering price           
and redemption price  $10.38  $10.28  $10.03  $9.97  $10.15 
Computation of net asset value, offering price and redemption price Class Y     
Net Assets  $34,106  $21,466  $115,944  $54,666  $25,786 
Number of shares outstanding  3,289  2,090  11,564  5,483  2,545 
Net asset value, offering price           
and redemption price  $10.37  $10.27  $10.03  $9.97  $10.13 
Cost of investments (Note 1)  $12,038,930  $15,598,728  $15,731,657  $12,670,004  $13,537,144 

 

* On retail sales of less than $50,000. On sales of $50,000 or more the offering price is reduced.

** On retail sales of less than $100,000. On sales of $100,000 or more the offering price is reduced.

*** Redemption price per share is equal to the net asset value less any applicable contingent deferred sales charge.

Net asset value may not recalculate due to rounding of fractional shares.

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 19 

 


 

Statement of operations Six months ended 2/29/24 (Unaudited)

INVESTMENT INCOME  2065 Fund  2060 Fund  2055 Fund  2050 Fund  2045 Fund 
Income distributions from underlying           
Putnam fund shares (Note 5)  $5,965  $36,521  $75,495  $149,306  $284,768 
 
EXPENSES           
Compensation of Manager (Note 2)  1,294  6,297  9,333  13,692  21,814 
Investor servicing fees (Note 2)  351  665  794  1,150  1,861 
Distribution fees (Note 2)  551  707  604  663  1,035 
Blue sky expense  37,472  35,400  35,447  35,428  35,600 
Auditing and tax fees  1,724  4,101  5,961  8,704  15,388 
Reports to shareholder  2,224  2,980  1,907  1,988  2,706 
Other  394  570  502  548  573 
Fees waived and reimbursed           
by Manager (Note 2)  (43,646)  (52,094)  (57,542)  (67,315)  (87,440) 
Total expenses  364  (1,374)  (2,994)  (5,142)  (8,463) 
 
Net investment income  5,601  37,895  78,489  154,448  293,231 
 
REALIZED AND UNREALIZED GAIN (LOSS)         
Net realized gain (loss) on:           
Sale of underlying Putnam fund           
shares (Notes 1 and 3)  (13,173)  (51,320)  (87,292)  (152,210)  (78,556) 
Capital gain distribution           
from underlying Putnam fund           
shares (Note 5)  8,818  45,503  72,011  115,288  191,980 
Total net realized loss  (4,355)  (5,817)  (15,281)  (36,922)  113,424 
Change in net unrealized appreciation on:         
Underlying Putnam fund shares  83,076  398,047  565,545  780,382  995,683 
Total change in net           
unrealized appreciation  83,076  398,047  565,545  780,382  995,683 
 
Net gain on investments  78,721  392,230  550,264  743,460  1,109,107 
 
Net increase in net assets resulting           
from operations  $84,322  $430,125  $628,753  $897,908  $1,402,338 

 

The accompanying notes are an integral part of these financial statements.

20 Retirement Advantage Funds 

 


 

Statement of operations Six months ended 2/29/24 (Unaudited) cont.

INVESTMENT INCOME  2040 Fund  2035 Fund  2030 Fund  2025 Fund  Maturity Fund 
Income distributions from underlying           
Putnam fund shares (Note 5)  $257,695  $214,087  $228,451  $245,335  $286,479 
 
EXPENSES           
Compensation of Manager (Note 2)  23,369  31,062  30,116  24,263  24,478 
Investor servicing fees (Note 2)  2,005  2,992  2,637  2,460  2,120 
Distribution fees (Note 2)  1,164  2,326  1,939  1,793  895 
Blue sky expense  36,120  35,810  36,795  35,400  35,400 
Auditing and tax fees  15,196  20,537  20,443  17,000  17,606 
Reports to shareholder  2,197  3,142  1,502  2,633  1,389 
Other  654  427  557  381  311 
Fees waived and reimbursed           
by Manager (Note 2)  (88,284)  (102,277)  (99,582)  (82,349)  (76,700) 
Total expenses  (7,579)  (5,981)  (5,593)  1,581  5,499 
 
Net investment income  265,274  220,068  234,044  243,754  280,980 
 
REALIZED AND UNREALIZED GAIN (LOSS)         
Net realized gain (loss) on:           
Sale of underlying Putnam fund           
shares (Notes 1 and 3)  (245,602)  (498,684)  (510,044)  (413,623)  (292,029) 
Capital gain distribution           
from underlying Putnam fund           
shares (Note 5)  204,853  248,892  123,757  14,167   
Total net realized loss  (40,749)  (249,792)  (386,287)  (399,456)  (292,029) 
Change in net unrealized appreciation on:         
Underlying Putnam fund shares  1,284,824  1,846,492  1,694,891  1,184,150  1,106,538 
Total change in net           
unrealized appreciation  1,284,824  1,846,492  1,694,891  1,184,150  1,106,538 
 
Net gain on investments  1,244,075  1,596,700  1,308,604  784,694  814,509 
 
Net increase in net assets resulting           
from operations  $1,509,349  $1,816,768  $1,542,648  $1,028,448  $1,095,489 

 

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 21 

 


 

Statement of changes in net assets

2065 Fund —     
INCREASE IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $5,601  $1,683 
Net realized gain (loss) of underlying Putnam fund shares  (4,355)  16,455 
Net unrealized appreciation of underlying     
Putnam fund shares  83,076  27,577 
Net increase in net assets resulting from operations  84,322  45,715 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (3,722)  (124) 
Class C  (415)   
Class R  (169)   
Class R3  (140)  (1) 
Class R4  (996)  (145) 
Class R5  (185)  (42) 
Class R6  (2,383)  (227) 
Class Y  (390)  (91) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A  (10,727)  (2,260) 
Class C  (1,637)  (623) 
Class R  (632)  (459) 
Class R3  (485)  (460) 
Class R4  (2,815)  (1,805) 
Class R5  (489)  (462) 
Class R6  (5,930)  (1,970) 
Class Y  (1,036)  (994) 
Increase from capital share transactions (Note 4)  133,328  312,564 
Total increase in net assets  185,499  348,616 
 
NET ASSETS     
Beginning of period  523,469  174,853 
End of period  $708,968  $523,469 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

22 Retirement Advantage Funds 

 


 

Statement of changes in net assets cont.

2060 Fund —     
INCREASE IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $37,895  $18,215 
Net realized gain (loss) of underlying Putnam fund shares  (5,817)  40,806 
Net unrealized appreciation of underlying     
Putnam fund shares  398,047  228,914 
Net increase in net assets resulting from operations  430,125  287,935 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (7,205)  (395) 
Class C  (621)   
Class R  (163)   
Class R3  (192)  (7) 
Class R4  (485)  (80) 
Class R5  (242)  (52) 
Class R6  (46,736)  (7,565) 
Class Y  (373)  (69) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A  (26,353)  (8,096) 
Class C  (2,506)  (644) 
Class R  (804)  (632) 
Class R3  (807)  (634) 
Class R4  (1,756)  (1,229) 
Class R5  (814)  (637) 
Class R6  (149,464)  (76,060) 
Class Y  (1,246)  (848) 
Increase from capital share transactions (Note 4)  763,780  1,082,445 
Total increase in net assets  954,138  1,273,432 
 
NET ASSETS     
Beginning of period  2,518,504  1,245,072 
End of period  $3,472,642  $2,518,504 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 23 

 


 

Statement of changes in net assets cont.

2055 Fund —     
INCREASE IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $78,489  $41,483 
Net realized loss of underlying Putnam fund shares  (15,281)  (22,068) 
Net unrealized appreciation of underlying     
Putnam fund shares  565,545  459,558 
Net increase in net assets resulting from operations  628,753  478,973 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (6,256)  (1,026) 
Class C  (434)   
Class R  (215)  (3) 
Class R3  (245)  (32) 
Class R4  (569)  (172) 
Class R5  (295)  (76) 
Class R6  (94,746)  (25,574) 
Class Y  (327)  (82) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A  (7,048)  (14,309) 
Class C  (593)  (1,057) 
Class R  (302)  (856) 
Class R3  (304)  (858) 
Class R4  (636)  (2,270) 
Class R5  (307)  (863) 
Class R6  (94,746)  (251,481) 
Class Y  (339)  (919) 
Increase from capital share transactions (Note 4)  877,889  561,794 
Total increase in net assets  1,299,280  741,189 
 
NET ASSETS     
Beginning of period  3,902,876  3,161,687 
End of period  $5,202,156  $3,902,876 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

24 Retirement Advantage Funds 

 


 

Statement of changes in net assets cont.

2050 Fund —     
INCREASE IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $154,448  $59,037 
Net realized loss of underlying Putnam fund shares  (36,922)  (15,002) 
Net unrealized appreciation of underlying     
Putnam fund shares  780,382  619,894 
Net increase in net assets resulting from operations  897,908  663,929 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (10,982)  (1,518) 
Class C  (264)   
Class R  (263)  (21) 
Class R3  (293)  (49) 
Class R4  (1,223)  (254) 
Class R5  (344)  (93) 
Class R6  (164,747)  (43,257) 
Class Y  (372)  (102) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A  (10,726)  (17,835) 
Class C  (353)  (972) 
Class R  (311)  (976) 
Class R3  (313)  (979) 
Class R4  (1,176)  (2,941) 
Class R5  (315)  (984) 
Class R6  (146,636)  (408,598) 
Class Y  (344)  (1,070) 
Increase from capital share transactions (Note 4)  696,776  1,518,174 
Total increase in net assets  1,256,022  1,702,454 
 
NET ASSETS     
Beginning of period  6,109,755  4,407,301 
End of period  $7,365,777  $6,109,755 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 25 

 


 

Statement of changes in net assets cont.

2045 Fund —     
INCREASE IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $293,231  $113,533 
Net realized gain (loss) of underlying Putnam fund shares  113,424  (306,705) 
Net unrealized appreciation of underlying     
Putnam fund shares  995,683  1,249,266 
Net increase in net assets resulting from operations  1,402,338  1,056,094 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (15,721)  (4,535) 
Class C  (628)  (63) 
Class R  (262)  (64) 
Class R3  (291)  (91) 
Class R4  (1,990)  (950) 
Class R5  (341)  (136) 
Class R6  (275,903)  (114,180) 
Class Y  (2,715)  (136) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A    (39,696) 
Class C    (2,058) 
Class R    (1,009) 
Class R3    (1,013) 
Class R4    (7,524) 
Class R5    (1,018) 
Class R6    (783,067) 
Class Y    (1,018) 
Increase from capital share transactions (Note 4)  831,047  1,647,807 
Total increase in net assets  1,935,534  1,747,343 
 
NET ASSETS     
Beginning of period  10,120,219  8,372,876 
End of period  $12,055,753  $10,120,219 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

26 Retirement Advantage Funds 

 


 

Statement of changes in net assets cont.

2040 Fund —     
INCREASE IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $265,274  $125,124 
Net realized loss of underlying Putnam fund shares  (40,749)  (304,793) 
Net unrealized appreciation of underlying     
Putnam fund shares  1,284,824  1,171,950 
Net increase in net assets resulting from operations  1,509,349  992,281 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (23,348)  (2,107) 
Class C  (516)  (46) 
Class R  (240)  (63) 
Class R3  (271)  (90) 
Class R4  (1,492)  (504) 
Class R5  (319)  (135) 
Class R6  (293,209)  (101,843) 
Class Y  (763)  (135) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A  (7,162)  (19,540) 
Class C  (225)  (1,524) 
Class R  (95)  (1,064) 
Class R3  (95)  (1,067) 
Class R4  (471)  (4,298) 
Class R5  (95)  (1,072) 
Class R6  (85,197)  (749,168) 
Class Y  (227)  (1,072) 
Increase from capital share transactions (Note 4)  1,679,385  3,244,700 
Total increase in net assets  2,775,009  3,353,253 
 
NET ASSETS     
Beginning of period  10,532,967  7,179,714 
End of period  $13,307,976  $10,532,967 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 27 

 


 

Statement of changes in net assets cont.

2035 Fund —     
INCREASE IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $220,068  $281,704 
Net realized loss of underlying Putnam fund shares  (249,792)  (445,377) 
Net unrealized appreciation of underlying     
Putnam fund shares  1,846,492  1,612,944 
Net increase in net assets resulting from operations  1,816,768  1,449,271 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (57,961)  (2,992) 
Class C  (261)   
Class R  (303)   
Class R3  (332)  (18) 
Class R4  (1,083)  (119) 
Class R5  (380)  (61) 
Class R6  (458,707)  (85,721) 
Class Y  (633)  (101) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A  (24,485)  (54,569) 
Class C  (151)  (1,098) 
Class R  (151)  (758) 
Class R3  (152)  (759) 
Class R4  (453)  (1,753) 
Class R5  (153)  (764) 
Class R6  (179,555)  (913,918) 
Class Y  (256)  (1,277) 
Increase (decrease) from capital share transactions (Note 4)  (180,540)  2,702,288 
Total increase in net assets  911,212  3,087,651 
 
NET ASSETS     
Beginning of period  16,102,069  13,014,418 
End of period  $17,013,281  $16,102,069 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

28 Retirement Advantage Funds 

 


 

Statement of changes in net assets cont.

2030 Fund —     
INCREASE IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $234,044  $293,589 
Net realized loss of underlying Putnam fund shares  (386,287)  (689,545) 
Net unrealized appreciation of underlying     
Putnam fund shares  1,694,891  1,284,973 
Net increase in net assets resulting from operations  1,542,648  889,017 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (24,592)  (7,603) 
Class C  (2,052)  (447) 
Class R  (197)  (95) 
Class R3  (224)  (121) 
Class R4  (200)  (1,417) 
Class R5  (269)  (164) 
Class R6  (363,744)  (196,212) 
Class Y  (361)  (191) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A  (8,573)  (28,958) 
Class C  (987)  (3,088) 
Class R  (87)  (554) 
Class R3  (88)  (556) 
Class R4  (121)  (5,099) 
Class R5  (88)  (558) 
Class R6  (114,234)  (627,390) 
Class Y  (118)  (648) 
Increase from capital share transactions (Note 4)  1,236,426  2,282,327 
Total increase in net assets  2,263,139  2,298,243 
 
NET ASSETS     
Beginning of period  14,604,749  12,306,506 
End of period  $16,867,888  $14,604,749 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 29 

 


 

Statement of changes in net assets cont.

2025 Fund —     
INCREASE (DECREASE) IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $243,754  $273,007 
Net realized loss of underlying Putnam fund shares  (399,456)  (768,396) 
Net unrealized appreciation of underlying     
Putnam fund shares  1,184,150  1,026,563 
Net increase in net assets resulting from operations  1,028,448  531,174 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (38,796)  (4,548) 
Class C  (1,203)   
Class R  (278)  (9) 
Class R3  (305)  (33) 
Class R4  (3,361)  (697) 
Class R5  (347)  (74) 
Class R6  (385,551)  (99,758) 
Class Y  (1,756)  (74) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A    (17,559) 
Class C    (1,008) 
Class R    (143) 
Class R3    (144) 
Class R4    (1,515) 
Class R5    (144) 
Class R6    (171,190) 
Class Y    (144) 
Increase (decrease) from capital share transactions (Note 4)  267,649  (344,591) 
Total increase (decrease) in net assets  864,500  (110,457) 
 
NET ASSETS     
Beginning of period  12,522,799  12,633,256 
End of period  $13,387,299  $12,522,799 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

30 Retirement Advantage Funds 

 


 

Statement of changes in net assets cont.

Maturity Fund —     
INCREASE (DECREASE) IN NET ASSETS   Six months ended 2/29/24*  Year ended 8/31/23 
Operations     
Net investment income  $280,980  $222,861 
Net realized loss of underlying Putnam fund shares  (292,029)  (403,037) 
Net unrealized appreciation of underlying     
Putnam fund shares  1,106,538  741,390 
Net increase in net assets resulting from operations  1,095,489  561,214 
Distributions to shareholders (Note 1):     
From ordinary income     
Net investment income     
Class A  (12,508)  (8,804) 
Class C  (157)  (96) 
Class R  (176)  (118) 
Class R3  (189)  (133) 
Class R4  (612)  (426) 
Class R5  (209)  (165) 
Class R6  (266,326)  (220,603) 
Class Y  (501)  (395) 
From capital gain on investments     
Net realized long-term gain on investments     
Class A  (938)  (4,043) 
Class C  (15)  (88) 
Class R  (15)  (88) 
Class R3  (15)  (88) 
Class R4  (44)  (222) 
Class R5  (15)  (88) 
Class R6  (17,830)  (111,544) 
Class Y  (35)  (212) 
Increase (decrease) from capital share transactions (Note 4)  327,612  (216,561) 
Total increase (decrease) in net assets  1,123,516  (2,460) 
 
NET ASSETS     
Beginning of period  12,712,969  12,715,429 
End of period  $13,836,485  $12,712,969 

 

* Unaudited

The accompanying notes are an integral part of these financial statements.

Retirement Advantage Funds 31 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2065 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTION          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $10.36­  .10­  1.36­  1.46­  (.15)  (.44)  (.59)  $11.23­  14.47*  $315­  .09*  .91*  14* 
August 31, 2023­  9.43­  .03­  1.36­  1.39­  (.02)  (.44)  (.46)  10.36­  15.57­  234­  .18­  .32­  13­ 
August 31, 2022  11.88­  .08­  (1.86)  (1.78)  (.67)  —­  (.67)  9.43­  (15.94)  42­  .18­  .79­  10­ 
August 31, 2021 ­  10.00­  (.02)  1.90­  1.88­  —­  —­  —­  11.88­  18.80*  21­  .12*  (.12)*  1* 
Class C­                           
February 29, 2024**  $10.26­  .05­  1.36­  1.41­  (.11)  (.44)  (.55)  $11.12­  14.08*  $46­  .47*  .52*  14* 
August 31, 2023­  9.40­  —­f  1.30­  1.30­  —­  (.44)  (.44)  10.26­  14.54­  32­  .93­  (.03)  13­ 
August 31, 2022  11.82­  .01­  (1.86)  (1.85)  (.57)  —­  (.57)  9.40­  (16.50)  12­  .93­  .06­  10­ 
August 31, 2021 ­  10.00­  (.07)  1.89­  1.82­  —­  —­  —­  11.82­  18.20*  12­  .63*  (.63)*  1* 
Class R­                           
February 29, 2024**  $10.33­  .09­  1.35­  1.44­  (.12)  (.44)  (.56)  $11.21­  14.24*  $17­  .29*  .81*  14* 
August 31, 2023­  9.42­  .04­  1.31­  1.35­  —­  (.44)  (.44)  10.33­  15.06­  11­  .58­  .41­  13­ 
August 31, 2022  11.85­  .05­  (1.87)  (1.82)  (.61)  —­  (.61)  9.42­  (16.26)  10­  .58­  .47­  10­ 
August 31, 2021 ­  10.00­  (.04)  1.89­  1.85­  —­  —­  —­  11.85­  18.50*  12­  .39*  (.39)*  1* 
Class R3­                           
February 29, 2024**  $10.38­  .09­  1.37­  1.46­  (.13)  (.44)  (.57)  $11.27­  14.36*  $13­  .17*  .84*  14* 
August 31, 2023­  9.44­  .06­  1.32­  1.38­  —­f  (.44)  (.44)  10.38­  15.37­  11­  .33­  .66­  13­ 
August 31, 2022  11.87­  .08­  (1.87)  (1.79)  (.64)  —­  (.64)  9.44­  (16.03)  10­  .33­  .72­  10­ 
August 31, 2021 ­  10.00­  (.02)  1.89­  1.87­  —­  —­  —­  11.87­  18.70*  12­  .22*  (.22)*  1* 
Class R4­                           
February 29, 2024**  $10.38­  .10­  1.38­  1.48­  (.16)  (.44)  (.60)  $11.26­  14.57*  $81­  .04*  .99*  14* 
August 31, 2023­  9.46­  .08­  1.32­  1.40­  (.04)  (.44)  (.48)  10.38­  15.55­  57­  .08­  .86­  13­ 
August 31, 2022  11.89­  .06­  (1.82)  (1.76)  (.67)  —­  (.67)  9.46­  (15.79)  34­  .08­  .54­  10­ 
August 31, 2021 ­  10.00­  (.01)  1.90­  1.89­  —­  —­  —­  11.89­  18.90*  12­  .06*  (.06)*  1* 
Class R5­                           
February 29, 2024**  $10.40­  .11­  1.38­  1.49­  (.17)  (.44)  (.61)  $11.28­  14.64*  $13­  (.03)*  1.03*  14* 
August 31, 2023­  9.47­  .10­  1.31­  1.41­  (.04)  (.44)  (.48)  10.40­  15.71­  12­  (.07)  1.06­  13­ 
August 31, 2022  11.90­  .12­  (1.87)  (1.75)  (.68)  —­  (.68)  9.47­  (15.66)  10­  (.07)  1.11­  10­ 
August 31, 2021 ­  10.00­  .01­  1.89­  1.90­  —­  —­  —­  11.90­  19.00*  12­  (.04)*  .04*  1* 
Class R6­                           
February 29, 2024**  $10.40­  .12­  1.38­  1.50­  (.18)  (.44)  (.62)  $11.28­  14.76*  $209­  (.08)*  1.16*  14* 
August 31, 2023­  9.47­  .08­  1.34­  1.42­  (.05)  (.44)  (.49)  10.40­  15.83­  141­  (.17)  .81­  13­ 
August 31, 2022  11.91­  .06­  (1.80)  (1.74)  (.70)  —­  (.70)  9.47­  (15.65)  36­  (.17)  .60­  10­ 
August 31, 2021 ­  10.00­  .01­  1.90­  1.91­  —­  —­  —­  11.91­  19.10*  12­  (.11)*  .11*  1* 

 

The accompanying notes are an integral part of these financial statements.

32 Retirement Advantage Funds  Retirement Advantage Funds 33 

 


 

Financial highlights cont.

2065 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTION          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $10.40­  .12­  1.37­  1.49­  (.17)  (.44)  (.61)  $11.28­  14.64*  $14­  (.03)*  1.12*  14* 
August 31, 2023­  9.46­  .10­  1.32­  1.42­  (.04)  (.44)  (.48)  10.40­  15.83­  25­  (.07)  1.04­  13­ 
August 31, 2022  11.90­  .12­  (1.87)  (1.75)  (.69)  —­  (.69)  9.46­  (15.73)  22­  (.07)  1.11­  10­ 
August 31, 2021 ­  10.00­  —­f  1.90­  1.90­  —­  —­  —­  11.90­  19.00*  27­  (.04)*  .04*  1* 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

34 Retirement Advantage Funds  Retirement Advantage Funds 35 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2060 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $10.25­  .12­  1.28­  1.40­  (.18)  (.66)  (.84)  $10.81­  14.21*  $496­  .09*  1.14*  10* 
August 31, 2023­  9.48­  .04­  1.31­  1.35­  (.03)  (.55)  (.58)  10.25­  15.26­  372­  .17­  .42­  28­ 
August 31, 2022  13.66­  .08­  (1.83)  (1.75)  (.75)  (1.68)  (2.43)  9.48­  (15.91)  118­  .18­  .75­  25­ 
August 31, 2021 ­  10.66­  .06­  3.07­  3.13­  (.10)  (.03)  (.13)  13.66­  29.56­  71­  .18­  .50­  61­ 
Class C                           
February 29, 2024**   $10.15­  .12­  1.23­  1.35­  (.16)  (.66)  (.82)  $10.68­  13.88*  $44­  .46*  1.17*  10* 
August 31, 2023­  9.44­  .02­  1.24­  1.26­  —­  (.55)  (.55)  10.15­  14.32­  13­  .92­  .16­  28­ 
August 31, 2022  13.59­  .02­  (1.85)  (1.83)  (.64)  (1.68)  (2.32)  9.44­  (16.48)  11­  .93­  .17­  25­ 
August 31, 2021 ­  10.66­  (.01)  3.04­  3.03­  (.07)  (.03)  (.10)  13.59­  28.59­  13­  .93­  (.11)  61­ 
Class R                           
February 29, 2024**   $10.21­  .10­  1.28­  1.38­  (.13)  (.66)  (.79)  $10.80­  14.07*  $14­  .29*  .93*  10* 
August 31, 2023­  9.46­  .05­  1.25­  1.30­  —­  (.55)  (.55)  10.21­  14.73­  12­  .57­  .53­  28­ 
August 31, 2022  13.62­  .06­  (1.85)  (1.79)  (.69)  (1.68)  (2.37)  9.46­  (16.22)  11­  .58­  .53­  25­ 
August 31, 2021 ­  10.66­  .03­  3.04­  3.07­  (.08)  (.03)  (.11)  13.62­  29.00­  13­  .58­  .23­  61­ 
Class R3                           
February 29, 2024**   $10.25­  .11­  1.29­  1.40­  (.16)  (.66)  (.82)  $10.83­  14.17*  $14­  .17*  1.06*  10* 
August 31, 2023­  9.48­  .07­  1.26­  1.33­  (.01)  (.55)  (.56)  10.25­  14.99­  12­  .32­  .78­  28­ 
August 31, 2022  13.64­  .09­  (1.85)  (1.76)  (.72)  (1.68)  (2.40)  9.48­  (15.97)  11­  .33­  .78­  25­ 
August 31, 2021 ­  10.66­  .06­  3.04­  3.10­  (.09)  (.03)  (.12)  13.64­  29.29­  13­  .33­  .48­  61­ 
Class R4                           
February 29, 2024**   $10.26­  .12­  1.29­  1.41­  (.18)  (.66)  (.84)  $10.83­  14.33*  $33­  .04*  1.16*  10* 
August 31, 2023­  9.49­  .08­  1.28­  1.36­  (.04)  (.55)  (.59)  10.26­  15.36­  27­  .07­  .83­  28­ 
August 31, 2022  13.66­  .09­  (1.83)  (1.74)  (.75)  (1.68)  (2.43)  9.49­  (15.81)  20­  .08­  .80­  25­ 
August 31, 2021 ­  10.66­  .09­  3.04­  3.13­  (.10)  (.03)  (.13)  13.66­  29.58­  13­  .08­  .73­  61­ 
Class R5                           
February 29, 2024**   $10.28­  .13­  1.29­  1.42­  (.20)  (.66)  (.86)  $10.84­  14.35*  $14  (.03)*  1.25*  10* 
August 31, 2023­  9.50­  .11­  1.27­  1.38­  (.05)  (.55)  (.60)  10.28­  15.56­  13­  (.08)  1.18­  28­ 
August 31, 2022  13.67­  .13­  (1.85)  (1.72)  (.77)  (1.68)  (2.45)  9.50­  (15.67)  11­  (.07)  1.18­  25­ 
August 31, 2021 ­  10.66­  .11­  3.03­  3.14­  (.10)  (.03)  (.13)  13.67­  29.73­  13­  (.07)  .88­  61­ 
Class R6                           
February 29, 2024**   $10.28­  .14­  1.29­  1.43­  (.21)  (.66)  (.87)  $10.84­  14.45*  $2,835­  (.08)*  1.36*  10* 
August 31, 2023­  9.51­  .11­  1.27­  1.38­  (.06)  (.55)  (.61)  10.28­  15.57­  2,051­  (.18)  1.13­  28­ 
August 31, 2022  13.68­  .13­  (1.84)  (1.71)  (.78)  (1.68)  (2.46)  9.51­  (15.55)  1,050­  (.17)  1.16­  25­ 
August 31, 2021  10.66­  .11­  3.05­  3.16­  (.11)  (.03)  (.14)  13.68­  29.87­  748­  (.17)  .91­  61­ 
August 31, 2020 ­  10.00­  .01­  .65­  .66­  —­  —­  —­  10.66­  6.60*  346­  (.11)*  .11*  3* 

 

The accompanying notes are an integral part of these financial statements.

36 Retirement Advantage Funds  Retirement Advantage Funds 37 

 


 

Financial highlights cont.

2060 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $10.28­  .13­  1.29­  1.42­  (.20)  (.66)  (.86)  $10.84­  14.36*  $22­  (.03)*  1.27*  10* 
August 31, 2023­  9.51­  .11­  1.26­  1.37­  (.05)  (.55)  (.60)  10.28­  15.44­  18­  (.08)  1.17­  28­ 
August 31, 2022  13.67­  .13­  (1.84)  (1.71)  (.77)  (1.68)  (2.45)  9.51­  (15.58)  14­  (.07)  1.18­  25­ 
August 31, 2021 ­  10.66­  .11­  3.03­  3.14­  (.10)  (.03)  (.13)  13.67­  29.74­  16­  (.07)  .89­  61­ 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

38 Retirement Advantage Funds  Retirement Advantage Funds 39 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2055 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $10.09­  .16­  1.21­  1.37­  (.22)  (.25)  (.47)  $10.99­  13.87*  $528­  .09*  1.56*  12* 
August 31, 2023­  9.66­  .07­  1.19­  1.26­  (.06)  (.77)  (.83)  10.09­  14.28­  261­  .16­  .69­  37­ 
August 31, 2022  13.43­  .06­  (1.83)  (1.77)  (.75)  (1.25)  (2.00)  9.66­  (15.71)  171­  .17­  .59­  25­ 
August 31, 2021 ­  10.63­  .06­  2.96­  3.02­  (.10)  (.12)  (.22)  13.43­  28.67­  37­  .18­  .53­  46­ 
Class C                           
February 29, 2024**   $10.03­  .03­  1.30­  1.33­  (.18)  (.25)  (.43)  $10.93­  13.53*  $96­  .46*  .32*  12* 
August 31, 2023­  9.63­  —­f  1.17­  1.17­  —­  (.77)  (.77)  10.03­  13.29­  15­  .91­  —­g  37­ 
August 31, 2022  13.37­  —­f  (1.85)  (1.85)  (.64)  (1.25)  (1.89)  9.63­  (16.28)  18­  .92­  .03­  25­ 
August 31, 2021 ­  10.63­  (.01)  2.94­  2.93­  (.07)  (.12)  (.19)  13.37­  27.78­  13­  .93­  (.11)  46­ 
Class R                           
February 29, 2024**   $10.09­  .14­  1.22­  1.36­  (.18)  (.25)  (.43)  $11.02­  13.70*  $14­  .28*  1.41*  12* 
August 31, 2023­  9.65­  .04­  1.17­  1.21­  —­f  (.77)  (.77)  10.09­  13.75­  12­  .56­  .40­  37­ 
August 31, 2022  13.40­  .08­  (1.90)  (1.82)  (.68)  (1.25)  (1.93)  9.65­  (16.02)  11­  .57­  .71­  25­ 
August 31, 2021 ­  10.63­  .03­  2.94­  2.97­  (.08)  (.12)  (.20)  13.40­  28.21­  13­  .58­  .23­  46­ 
Class R3                           
February 29, 2024**   $10.11­  .16­  1.21­  1.37­  (.20)  (.25)  (.45)  $11.03­  13.83*  $14­  .16*  1.53*  12* 
August 31, 2023­  9.67­  .06­  1.18­  1.24­  (.03)  (.77)  (.80)  10.11­  14.04­  12­  .31­  .65­  37­ 
August 31, 2022  13.42­  .11­  (1.89)  (1.78)  (.72)  (1.25)  (1.97)  9.67­  (15.78)  11­  .32­  .95­  25­ 
August 31, 2021 ­  10.63­  .06­  2.94­  3.00­  (.09)  (.12)  (.21)  13.42­  28.50­  13­  .33­  .48­  46­ 
Class R4                           
February 29, 2024**   $10.12­  .17­  1.21­  1.38­  (.22)  (.25)  (.47)  $11.03­  13.94*  $31­  .04*  1.63*  12* 
August 31, 2023­  9.68­  .08­  1.19­  1.27­  (.06)  (.77)  (.83)  10.12­  14.39­  26­  .06­  .86­  37­ 
August 31, 2022  13.44­  .08­  (1.84)  (1.76)  (.75)  (1.25)  (2.00)  9.68­  (15.62)  30­  .07­  .73­  25­ 
August 31, 2021 ­  10.63­  .09­  2.94­  3.03­  (.10)  (.12)  (.22)  13.44­  28.79­  13­  .08­  .73­  46­ 
Class R5                           
February 29, 2024**   $10.13­  .18­  1.22­  1.40­  (.24)  (.25)  (.49)  $11.04­  14.11*  $14­  (.04)*  1.73*  12* 
August 31, 2023­  9.69­  .10­  1.18­  1.28­  (.07)  (.77)  (.84)  10.13­  14.51­  12­  (.09)  1.05­  37­ 
August 31, 2022  13.45­  .15­  (1.89)  (1.74)  (.77)  (1.25)  (2.02)  9.69­  (15.48)  11­  (.08)  1.35­  25­ 
August 31, 2021 ­  10.63­  .11­  2.93­  3.04­  (.10)  (.12)  (.22)  13.45­  28.94­  13­  (.07)  .88­  46­ 
Class R6                           
February 29, 2024**   $10.14­  .19­  1.21­  1.40­  (.25)  (.25)  (.50)  $11.04­  14.09*  $4,490­  (.09)*  1.84*  12* 
August 31, 2023­  9.70­  .12­  1.17­  1.29­  (.08)  (.77)  (.85)  10.14­  14.62­  3,551­  (.19)  1.26­  37­ 
August 31, 2022  13.46­  .15­  (1.88)  (1.73)  (.78)  (1.25)  (2.03)  9.70­  (15.37)  2,899­  (.18)  1.38­  25­ 
August 31, 2021  10.63­  .11­  2.95­  3.06­  (.11)  (.12)  (.23)  13.46­  29.08­  2,274­  (.17)  .91­  46­ 
August 31, 2020 ­  10.00­  .01­  .62­  .63­  —­  —­  —­  10.63­  6.30*  1,234­  (.11)*  .11*  23* 

 

The accompanying notes are an integral part of these financial statements.

40 Retirement Advantage Funds  Retirement Advantage Funds 41 

 


 

Financial highlights cont.

2055 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $10.13­  .18­  1.22­  1.40­  (.24)  (.25)  (.49)  $11.04­  14.11*  $16­  (.04)*  1.73*  12* 
August 31, 2023­  9.69­  .10­  1.18­  1.28­  (.07)  (.77)  (.84)  10.13­  14.51­  14­  (.09)  1.04­  37­ 
August 31, 2022  13.45­  .15­  (1.89)  (1.74)  (.77)  (1.25)  (2.02)  9.69­  (15.48)  11­  (.08)  1.35­  25­ 
August 31, 2021 ­  10.63­  .10­  2.94­  3.04­  (.10)  (.12)  (.22)  13.45­  28.94­  13­  (.07)  .88­  46­ 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

42 Retirement Advantage Funds  Retirement Advantage Funds 43 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2050 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $9.70­  .20­  1.09­  1.29­  (.26)  (.25)  (.51)  $10.48­  13.59*  $636­  .08*  2.05*  14* 
August 31, 2023­  9.54­  .06­  1.04­  1.10­  (.07)  (.87)  (.94)  9.70­  12.96­  329­  .15­  .66­  22­ 
August 31, 2022  13.23­  .04­  (1.74)  (1.70)  (.73)  (1.26)  (1.99)  9.54­  (15.35)  160­  .17­  .38­  39­ 
August 31, 2021 ­  10.60­  .06­  2.80­  2.86­  (.09)  (.14)  (.23)  13.23­  27.38­  19­  .17­  .53­  59­ 
Class C                           
February 29, 2024**   $9.67­  .18­  1.06­  1.24­  (.19)  (.25)  (.44)  $10.47­  13.07*  $15­  .45*  1.79*  14* 
August 31, 2023­  9.50­  .01­  1.03­  1.04­  —­  (.87)  (.87)  9.67­  12.17­  13­  .90­  .13­  22­ 
August 31, 2022  13.17­  .06­  (1.84)  (1.78)  (.63)  (1.26)  (1.89)  9.50­  (16.00)  11­  .92­  .58­  39­ 
August 31, 2021 ­  10.60­  (.01)  2.79­  2.78­  (.07)  (.14)  (.21)  13.17­  26.51­  13­  .92­  (.12)  59­ 
Class R                           
February 29, 2024**   $9.71­  .19­  1.07­  1.26­  (.21)  (.25)  (.46)  $10.51­  13.29*  $14­  .28*  1.93*  14* 
August 31, 2023­  9.52­  .05­  1.03­  1.08­  (.02)  (.87)  (.89)  9.71­  12.60­  12­  .55­  .49­  22­ 
August 31, 2022  13.20­  .10­  (1.85)  (1.75)  (.67)  (1.26)  (1.93)  9.52­  (15.74)  11­  .57­  .93­  39­ 
August 31, 2021 ­  10.60­  .03­  2.79­  2.82­  (.08)  (.14)  (.22)  13.20­  26.94­  13­  .57­  .23­  59­ 
Class R3                           
February 29, 2024**   $9.72­  .20­  1.09­  1.29­  (.24)  (.25)  (.49)  $10.52­  13.53*  $14­  .15*  2.06*  14* 
August 31, 2023­  9.54­  .07­  1.02­  1.09­  (.04)  (.87)  (.91)  9.72­  12.78­  12­  .30­  .74­  22­ 
August 31, 2022  13.22­  .13­  (1.85)  (1.72)  (.70)  (1.26)  (1.96)  9.54­  (15.49)  11­  .32­  1.18­  39­ 
August 31, 2021 ­  10.60­  .06­  2.79­  2.85­  (.09)  (.14)  (.23)  13.22­  27.23­  13­  .32­  .48­  59­ 
Class R4                           
February 29, 2024**   $9.73­  .22­  1.07­  1.29­  (.26)  (.25)  (.51)  $10.51­  13.59*  $55­  .03*  2.21*  14* 
August 31, 2023­  9.55­  .08­  1.05­  1.13­  (.08)  (.87)  (.95)  9.73­  13.17­  42­  .05­  .87­  22­ 
August 31, 2022  13.24­  .10­  (1.80)  (1.70)  (.73)  (1.26)  (1.99)  9.55­  (15.34)  28­  .07­  .94­  39­ 
August 31, 2021 ­  10.60­  .09­  2.79­  2.88­  (.10)  (.14)  (.24)  13.24­  27.51­  13­  .07­  .73­  59­ 
Class R5                           
February 29, 2024**   $9.75­  .22­  1.08­  1.30­  (.27)  (.25)  (.52)  $10.53­  13.70*  $14­  (.04)*  2.26*  14* 
August 31, 2023­  9.56­  .11­  1.03­  1.14­  (.08)  (.87)  (.95)  9.75­  13.36­  12­  (.10)  1.14­  22­ 
August 31, 2022  13.25­  .17­  (1.85)  (1.68)  (.75)  (1.26)  (2.01)  9.56­  (15.19)  11­  (.08)  1.58­  39­ 
August 31, 2021 ­  10.60­  .10­  2.79­  2.89­  (.10)  (.14)  (.24)  13.25­  27.68­  13­  (.08)  .88­  59­ 
Class R6                           
February 29, 2024**   $9.76­  .24­  1.06­  1.30­  (.28)  (.25)  (.53)  $10.53­  13.67*  $6,603­  (.09)*  2.38*  14* 
August 31, 2023­  9.57­  .11­  1.04­  1.15­  (.09)  (.87)  (.96)  9.76­  13.48­  5,676­  (.20)  1.21­  22­ 
August 31, 2022  13.26­  .19­  (1.86)  (1.67)  (.76)  (1.26)  (2.02)  9.57­  (15.08)  4,165­  (.18)  1.73­  39­ 
August 31, 2021  10.60­  .11­  2.79­  2.90­  (.10)  (.14)  (.24)  13.26­  27.81­  3,930­  (.18)  .94­  59­ 
August 31, 2020 ­  10.00­  .01­  .59­  .60­  —­  —­  —­  10.60­  6.00*  2,020­  (.11)*  .11*  9* 

 

The accompanying notes are an integral part of these financial statements.

44 Retirement Advantage Funds  Retirement Advantage Funds 45 

 


 

Financial highlights cont.

2050 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $9.75­  .22­  1.08­  1.30­  (.27)  (.25)  (.52)  $10.53­  13.69*  $15­  (.04)*  2.26*  14* 
August 31, 2023­  9.56­  .11­  1.03­  1.14­  (.08)  (.87)  (.95)  9.75­  13.37­  13­  (.10)  1.14­  22­ 
August 31, 2022  13.25­  .17­  (1.85)  (1.68)  (.75)  (1.26)  (2.01)  9.56­  (15.19)  12­  (.08)  1.57­  39­ 
August 31, 2021 ­  10.60­  .10­  2.79­  2.89­  (.10)  (.14)  (.24)  13.25­  27.68­  13­  (.08)  .88­  59­ 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

46 Retirement Advantage Funds  Retirement Advantage Funds 47 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2045 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $9.69­  .23­  1.02­  1.25­  (.26)  —­  (.26)  $10.68­  13.01*  $901­  .08*  2.33*  10* 
August 31, 2023­  9.68­  .08­  .96­  1.04­  (.11)  (.92)  (1.03)  9.69­  12.05­  549­  .15­  .90­  29­ 
August 31, 2022  13.14­  .12­  (1.81)  (1.69)  (.70)  (1.07)  (1.77)  9.68­  (15.04)  385­  .17­  1.14­  33­ 
August 31, 2021 ­  10.55­  .09­  2.64­  2.73­  (.10)  (.04)  (.14)  13.14­  26.05­  204­  .17­  .76­  44­ 
Class C                           
February 29, 2024**   $9.66­  .17­  1.04­  1.21­  (.20)  —­  (.20)  $10.67­  12.59*  $125­  .45*  1.73*  10* 
August 31, 2023­  9.65­  .01­  .95­  .96­  (.03)  (.92)  (.95)  9.66­  11.14­  28­  .90­  .13­  29­ 
August 31, 2022  13.09­  .09­  (1.86)  (1.77)  (.60)  (1.07)  (1.67)  9.65­  (15.63)  21­  .92­  .77­  33­ 
August 31, 2021 ­  10.55­  (.05)  2.69­  2.64­  (.06)  (.04)  (.10)  13.09­  25.17­  24­  .92­  (.42)  44­ 
Class R                           
February 29, 2024**   $9.69­  .23­  1.00­  1.23­  (.21)  —­  (.21)  $10.71­  12.86*  $13  .28*  2.34*  10* 
August 31, 2023­  9.67­  .05­  .95­  1.00­  (.06)  (.92)  (.98)  9.69­  11.59­  12­  .55­  .54­  29­ 
August 31, 2022  13.12­  .13­  (1.87)  (1.74)  (.64)  (1.07)  (1.71)  9.67­  (15.41)  11­  .57­  1.13­  33­ 
August 31, 2021 ­  10.55­  .03­  2.66­  2.69­  (.08)  (.04)  (.12)  13.12­  25.59­  13­  .57­  .22­  44­ 
Class R3                           
February 29, 2024**   $9.71­  .24­  1.00­  1.24­  (.24)  —­  (.24)  $10.71­  12.87*  $13­  .15*  2.46*  10* 
August 31, 2023­  9.69­  .07­  .95­  1.02­  (.08)  (.92)  (1.00)  9.71­  11.88­  12­  .30­  .79­  29­ 
August 31, 2022  13.14­  .15­  (1.86)  (1.71)  (.67)  (1.07)  (1.74)  9.69­  (15.16)  11­  .32­  1.38­  33­ 
August 31, 2021 ­  10.55­  .06­  2.66­  2.72­  (.09)  (.04)  (.13)  13.14­  25.88­  13­  .32­  .47­  44­ 
Class R4                           
February 29, 2024**   $9.71­  .26­  1.00­  1.26­  (.26)  —­  (.26)  $10.71­  13.13*  $84­  .03*  2.59*  10* 
August 31, 2023­  9.71­  .11­  .93­  1.04­  (.12)  (.92)  (1.04)  9.71­  12.05­  74­  .05­  1.21­  29­ 
August 31, 2022  13.16­  .05­  (1.73)  (1.68)  (.70)  (1.07)  (1.77)  9.71­  (14.92)  79­  .07­  .47­  33­ 
August 31, 2021 ­  10.55­  .09­  2.65­  2.74­  (.09)  (.04)  (.13)  13.16­  26.17­  13­  .07­  .72­  44­ 
Class R5                           
February 29, 2024**   $9.73­  .26­  1.01­  1.27­  (.28)  —­  (.28)  $10.72­  13.16*  $14­  (.04)*  2.66*  10* 
August 31, 2023­  9.72­  .11­  .94­  1.05­  (.12)  (.92)  (1.04)  9.73­  12.23­  12­  (.10)  1.19­  29­ 
August 31, 2022  13.17­  .20­  (1.86)  (1.66)  (.72)  (1.07)  (1.79)  9.72­  (14.77)  11­  (.08)  1.77­  33­ 
August 31, 2021 ­  10.55­  .10­  2.66­  2.76­  (.10)  (.04)  (.14)  13.17­  26.32­  13­  (.08)  .87­  44­ 
Class R6                           
February 29, 2024**   $9.73­  .28­  .99­  1.27­  (.28)  —­  (.28)  $10.72­  13.26*  $10,798­  (.09)*  2.78*  10* 
August 31, 2023­  9.72­  .12­  .94­  1.06­  (.13)  (.92)  (1.05)  9.73­  12.36­  9,338­  (.20)  1.31­  29­ 
August 31, 2022  13.18­  .21­  (1.86)  (1.65)  (.74)  (1.07)  (1.81)  9.72­  (14.76)  7,846­  (.18)  1.91­  33­ 
August 31, 2021  10.55­  .11­  2.66­  2.77­  (.10)  (.04)  (.14)  13.18­  26.46­  7,504­  (.18)  .95­  44­ 
August 31, 2020 ­  10.00­  .01­  .54­  .55­  —­  —­  —­  10.55­  5.50*  4,295­  (.11)*  .11*  14* 

 

The accompanying notes are an integral part of these financial statements.

48 Retirement Advantage Funds  Retirement Advantage Funds 49 

 


 

Financial highlights cont.

2045 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $9.73­  .26­  1.01­  1.27­  (.28)  —­  (.28)  $10.72­  13.20*  $108­  (.04)*  2.66*  10* 
August 31, 2023­  9.71­  —­f  1.06­  1.06­  (.12)  (.92)  (1.04)  9.73­  12.35­  95­  (.10)  .01­  29­ 
August 31, 2022  13.17­  .20­  (1.87)  (1.67)  (.72)  (1.07)  (1.79)  9.71­  (14.85)  11­  (.08)  1.77­  33­ 
August 31, 2021 ­  10.55­  .10­  2.66­  2.76­  (.10)  (.04)  (.14)  13.17­  26.32­  13­  (.08)  .86­  44­ 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

50 Retirement Advantage Funds  Retirement Advantage Funds 51 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2040 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $9.51­  .22­  .94  1.16  (.25)  (.08)  (.33)  $10.34  12.36*  $1,036­  .09*  2.22*  13* 
August 31, 2023­  9.66­  .09­  .83­  .92­  (.10)  (.97)  (1.07)  9.51­  10.90­  485­  .18­  .96­  27­ 
August 31, 2022  12.91­  .09­  (1.71)  (1.62)  (.67)  (.96)  (1.63)  9.66­  (14.47)  171­  .19­  .83­  47­ 
August 31, 2021 ­  10.55­  .08­  2.47­  2.55­  (.10)  (.09)  (.19)  12.91­  24.45­  70­  .18­  .65­  45­ 
Class C                           
February 29, 2024**   $9.48­  .16­  .95­  1.11­  (.18)  (.08)  (.26)  $10.33­  11.78*  $34­  .47*  1.62*  13* 
August 31, 2023­  9.62­  .02­  .84­  .86­  (.03)  (.97)  (1.00)  9.48­  10.12­  26­  .93­  .26­  27­ 
August 31, 2022  12.86­  .07­  (1.77)  (1.70)  (.58)  (.96)  (1.54)  9.62­  (15.12)  15­  .94­  .60­  47­ 
August 31, 2021 ­  10.55­  (.02)  2.48­  2.46­  (.06)  (.09)  (.15)  12.86­  23.60­  14­  .93­  (.15)  45­ 
Class R                           
February 29, 2024**   $9.50­  .18­  .96­  1.14­  (.20)  (.08)  (.28)  $10.36­  12.07*  $13­  .29*  1.81*  13* 
August 31, 2023­  9.64­  .07­  .82­  .89­  (.06)  (.97)  (1.03)  9.50­  10.45­  12­  .58­  .79­  27­ 
August 31, 2022  12.89­  .12­  (1.79)  (1.67)  (.62)  (.96)  (1.58)  9.64­  (14.87)  11­  .59­  1.10­  47­ 
August 31, 2021 ­  10.55­  .03­  2.48­  2.51­  (.08)  (.09)  (.17)  12.89­  24.03­  12­  .58­  .26­  45­ 
Class R3                           
February 29, 2024**   $9.52­  .19­  .96­  1.15­  (.22)  (.08)  (.30)  $10.37­  12.20*  $13­  .17*  1.94*  13* 
August 31, 2023­  9.66­  .10­  .81­  .91­  (.08)  (.97)  (1.05)  9.52­  10.75­  12­  .33­  1.04­  27­ 
August 31, 2022  12.90­  .15­  (1.78)  (1.63)  (.65)  (.96)  (1.61)  9.66­  (14.56)  11­  .34­  1.35­  47­ 
August 31, 2021 ­  10.55­  .06­  2.47­  2.53­  (.09)  (.09)  (.18)  12.90­  24.22­  12­  .33­  .51­  45­ 
Class R4                           
February 29, 2024**   $9.52­  .20­  .96­  1.16­  (.24)  (.08)  (.32)  $10.36­  12.37*  $66­  .05*  2.07*  13* 
August 31, 2023­  9.67­  .11­  .82­  .93­  (.11)  (.97)  (1.08)  9.52­  11.02­  58­  .08­  1.23­  27­ 
August 31, 2022  12.93­  .09­  (1.71)  (1.62)  (.68)  (.96)  (1.64)  9.67­  (14.46)  41­  .09­  .91­  47­ 
August 31, 2021 ­  10.55­  .09­  2.47­  2.56­  (.09)  (.09)  (.18)  12.93­  24.60­  12­  .08­  .75­  45­ 
Class R5                           
February 29, 2024**   $9.54­  .21­  .96­  1.17­  (.26)  (.08)  (.34)  $10.37­  12.37*  $13­  (.03)*  2.14*  13* 
August 31, 2023­  9.68­  .13­  .82­  .95­  (.12)  (.97)  (1.09)  9.54­  11.21­  12­  (.07)  1.44­  27­ 
August 31, 2022  12.94­  .19­  (1.79)  (1.60)  (.70)  (.96)  (1.66)  9.68­  (14.32)  11­  (.06)  1.75­  47­ 
August 31, 2021 ­  10.55­  .11­  2.47­  2.58­  (.10)  (.09)  (.19)  12.94­  24.76­  12­  (.07)  .90­  45­ 
Class R6                           
February 29, 2024**   $9.55­  .22­  .96­  1.18­  (.27)  (.08)  (.35)  $10.38­  12.46*  $12,098­  (.08)*  2.27*  13* 
August 31, 2023­  9.69­  .14­  .82­  .96­  (.13)  (.97)  (1.10)  9.55­  11.33­  9,900­  (.17)  1.49­  27­ 
August 31, 2022  12.95­  .21­  (1.80)  (1.59)  (.71)  (.96)  (1.67)  9.69­  (14.21)  6,909­  (.16)  1.92­  47­ 
August 31, 2021  10.55­  .11­  2.48­  2.59­  (.10)  (.09)  (.19)  12.95­  24.89­  7,183­  (.17)  .98­  45­ 
August 31, 2020 ­  10.00­  .02­  .53­  .55­  —­  —­  —­  10.55­  5.50*  4,335­  (.11)*  .18*  32* 

 

The accompanying notes are an integral part of these financial statements.

52 Retirement Advantage Funds  Retirement Advantage Funds 53 

 


 

Financial highlights cont.

2040 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $9.54­  .21­  .96­  1.17­  (.26)  (.08)  (.34)  $10.37­  12.40*  $34­  (.03)*  2.13*  13* 
August 31, 2023­  9.68­  .11­  .84­  .95­  (.12)  (.97)  (1.09)  9.54­  11.21­  28­  (.07)  1.18­  27­ 
August 31, 2022  12.94­  .19­  (1.79)  (1.60)  (.70)  (.96)  (1.66)  9.68­  (14.32)  11­  (.06)  1.75­  47­ 
August 31, 2021 ­  10.55­  .11­  2.47­  2.58­  (.10)  (.09)  (.19)  12.94­  24.76­  12­  (.07)  .90­  45­ 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

54 Retirement Advantage Funds  Retirement Advantage Funds 55 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2035 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $9.61­  .11­  .95­  1.06­  (.30)  (.13)  (.43)  $10.24­  11.24*  $2,030­  .12*  1.16*  23* 
August 31, 2023­  9.54­  .14­  .66­  .80­  (.04)  (.69)  (.73)  9.61­  9.21­  1,566­  .22­  1.49­  29­ 
August 31, 2022  12.64­  .12­  (1.61)  (1.49)  (.66)  (.95)  (1.61)  9.54­  (13.69)  720­  .23­  1.16­  51­ 
August 31, 2021 ­  10.56­  .05­  2.22­  2.27­  (.10)  (.09)  (.19)  12.64­  21.67­  449­  .22­  .45­  56­ 
Class C                           
February 29, 2024**   $9.55­  .08­  .93­  1.01­  (.22)  (.13)  (.35)  $10.21­  10.72*  $12­  .49*  .81*  23* 
August 31, 2023­  9.51­  .08­  .65­  .73­  —­  (.69)  (.69)  9.55­  8.45­  11­  .97­  .87­  29­ 
August 31, 2022  12.58­  .03­  (1.60)  (1.57)  (.55)  (.95)  (1.50)  9.51­  (14.26)  26­  .98­  .32­  51­ 
August 31, 2021 ­  10.56­  .01­  2.17­  2.18­  (.07)  (.09)  (.16)  12.58­  20.77­  12­  .97­  .12­  56­ 
Class R                           
February 29, 2024**   $9.60­  .10­  .94­  1.04­  (.26)  (.13)  (.39)  $10.25­  10.95*  $13­  .31*  .98*  23* 
August 31, 2023­  9.53­  .11­  .65­  .76­  —­  (.69)  (.69)  9.60­  8.75­  11­  .62­  1.19­  29­ 
August 31, 2022  12.61­  .10­  (1.63)  (1.53)  (.60)  (.95)  (1.55)  9.53­  (14.00)  10­  .63­  .92­  51­ 
August 31, 2021 ­  10.56­  .05­  2.17­  2.22­  (.08)  (.09)  (.17)  12.61­  21.19­  12­  .62­  .47­  56­ 
Class R3                           
February 29, 2024**   $9.63­  .11­  .94­  1.05­  (.28)  (.13)  (.41)  $10.27­  11.07*  $13­  .19*  1.11*  23* 
August 31, 2023­  9.54­  .13­  .67­  .80­  (.02)  (.69)  (.71)  9.63­  9.15­  11­  .37­  1.44­  29­ 
August 31, 2022  12.63­  .13­  (1.64)  (1.51)  (.63)  (.95)  (1.58)  9.54­  (13.84)  10­  .38­  1.17­  51­ 
August 31, 2021 ­  10.56­  .08­  2.17­  2.25­  (.09)  (.09)  (.18)  12.63­  21.48­  12­  .37­  .72­  56­ 
Class R4                           
February 29, 2024**   $9.63­  .12­  .95­  1.07­  (.31)  (.13)  (.44)  $10.26­  11.25*  $40­  .07*  1.22*  23* 
August 31, 2023­  9.56­  .15­  .66­  .81­  (.05)  (.69)  (.74)  9.63­  9.29­  32­  .12­  1.66­  29­ 
August 31, 2022  12.65­  .13­  (1.61)  (1.48)  (.66)  (.95)  (1.61)  9.56­  (13.59)  21­  .13­  1.23­  51­ 
August 31, 2021 ­  10.56­  .11­  2.17­  2.28­  (.10)  (.09)  (.19)  12.65­  21.77­  12­  .12­  .97­  56­ 
Class R5                           
February 29, 2024**   $9.65­  .13­  .95­  1.08­  (.32)  (.13)  (.45)  $10.28­  11.35*  $13­  (.01)*  1.30*  23* 
August 31, 2023­  9.57­  .17­  .66­  .83­  (.06)  (.69)  (.75)  9.65­  9.50­  12­  (.03)  1.84­  29­ 
August 31, 2022  12.66­  .17­  (1.64)  (1.47)  (.67)  (.95)  (1.62)  9.57­  (13.44)  11­  (.02)  1.57­  51­ 
August 31, 2021 ­  10.56­  .13­  2.16­  2.29­  (.10)  (.09)  (.19)  12.66­  21.92­  12­  (.03)  1.12­  56­ 
Class R6                           
February 29, 2024**   $9.66­  .14­  .94­  1.08­  (.33)  (.13)  (.46)  $10.28­  11.34*  $14,872­  (.06)*  1.40*  23* 
August 31, 2023­  9.58­  .18­  .66­  .84­  (.07)  (.69)  (.76)  9.66­  9.61­  14,440­  (.13)  1.93­  29­ 
August 31, 2022  12.67­  .18­  (1.63)  (1.45)  (.69)  (.95)  (1.64)  9.58­  (13.34)  12,199­  (.12)  1.68­  51­ 
August 31, 2021  10.56­  .14­  2.17­  2.31­  (.11)  (.09)  (.20)  12.67­  22.06­  12,118­  (.13)  1.18­  56­ 
August 31, 2020 ­  10.00­  .07­  .49­  .56­  —­  —­  —­  10.56­  5.60*  6,497­  (.08)*  .68*  23* 

 

The accompanying notes are an integral part of these financial statements.

56 Retirement Advantage Funds  Retirement Advantage Funds 57 

 


 

Financial highlights cont.

2035 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $9.65­  .13­  .94­  1.07­  (.32)  (.13)  (.45)  $10.27­  11.24*  $21­  (.01)*  1.30*  23* 
August 31, 2023­  9.57­  .17­  .66­  .83­  (.06)  (.69)  (.75)  9.65­  9.50­  19­  (.03)  1.84­  29­ 
August 31, 2022  12.66­  .17­  (1.63)  (1.46)  (.68)  (.95)  (1.63)  9.57­  (13.43)  18­  (.02)  1.57­  51­ 
August 31, 2021 ­  10.56­  .12­  2.17­  2.29­  (.10)  (.09)  (.19)  12.66­  21.92­  20­  (.03)  1.06­  56­ 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

58 Retirement Advantage Funds  Retirement Advantage Funds 59 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2030 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $9.43­  .12­  .73­  .85­  (.22)  (.08)  (.30)  $9.98­  9.04*  $1,171­  .12*  1.28*  23* 
August 31, 2023­  9.53­  .18­  .38­  .56­  (.14)  (.52)  (.66)  9.43­  6.36­  951­  .25­  1.90­  35­ 
August 31, 2022  12.29­  .11­  (1.52)  (1.41)  (.57)  (.78)  (1.35)  9.53­  (12.89)  513­  .28­  1.07­  52­ 
August 31, 2021 ­  10.55­  .10­  1.77­  1.87­  (.12)  (.01)  (.13)  12.29­  17.86­  195­  .28­  .83­  61­ 
Class C                           
February 29, 2024**   $9.34­  .09­  .71­  .80­  (.16)  (.08)  (.24)  $9.90­  8.57*  $78­  .50*  .94*  23* 
August 31, 2023­  9.45­  .10­  .39­  .49­  (.08)  (.52)  (.60)  9.34­  5.58­  115­  1.00­  1.11­  35­ 
August 31, 2022  12.23­  .05­  (1.52)  (1.47)  (.53)  (.78)  (1.31)  9.45­  (13.50)  57­  1.03­  .49­  52­ 
August 31, 2021 ­  10.55­  .02­  1.76­  1.78­  (.09)  (.01)  (.10)  12.23­  16.99­  27­  1.03­  .16­  61­ 
Class R                           
February 29, 2024**   $9.44­  .11­  .72­  .83­  (.17)  (.08)  (.25)  $10.02­  8.85*  $12­  .32*  1.11*  23* 
August 31, 2023­  9.53­  .14­  .38­  .52­  (.09)  (.52)  (.61)  9.44­  5.92­  11­  .65­  1.50­  35­ 
August 31, 2022  12.26­  .10­  (1.55)  (1.45)  (.50)  (.78)  (1.28)  9.53­  (13.20)  10­  .68­  .90­  52­ 
August 31, 2021 ­  10.55­  .08­  1.74­  1.82­  (.10)  (.01)  (.11)  12.26­  17.42­  12­  .68­  .71­  61­ 
Class R3                           
February 29, 2024**   $9.46­  .12­  .72­  .84­  (.20)  (.08)  (.28)  $10.02­  8.87*  $12­  .20*  1.23*  23* 
August 31, 2023­  9.54­  .16­  .39­  .55­  (.11)  (.52)  (.63)  9.46­  6.30­  11­  .40­  1.75­  35­ 
August 31, 2022  12.28­  .12­  (1.55)  (1.43)  (.53)  (.78)  (1.31)  9.54­  (13.03)  10­  .43­  1.15­  52­ 
August 31, 2021 ­  10.55­  .11­  1.74­  1.85­  (.11)  (.01)  (.12)  12.28­  17.70­  12­  .43­  .96­  61­ 
Class R4                           
February 29, 2024**   $9.47­  .13­  .72­  .85­  (.13)  (.08)  (.21)  $10.11­  8.94*  $17­  .07*  1.35*  23* 
August 31, 2023­  9.56­  .19­  .38­  .57­  (.14)  (.52)  (.66)  9.47­  6.54­  15­  .15­  2.02­  35­ 
August 31, 2022  12.30­  .11­  (1.51)  (1.40)  (.56)  (.78)  (1.34)  9.56­  (12.79)  101­  .18­  1.15­  52­ 
August 31, 2021 ­  10.55­  .14­  1.74­  1.88­  (.12)  (.01)  (.13)  12.30­  17.98­  12­  .18­  1.21­  61­ 
Class R5                           
February 29, 2024**   $9.48­  .14­  .72­  .86­  (.23)  (.08)  (.31)  $10.03­  9.15*  $12­  *g  1.43*  23* 
August 31, 2023­  9.57­  .20­  .38­  .58­  (.15)  (.52)  (.67)  9.48­  6.64­  11­  —­g  2.15­  35­ 
August 31, 2022  12.31­  .17­  (1.55)  (1.38)  (.58)  (.78)  (1.36)  9.57­  (12.64)  10­  .03­  1.55­  52­ 
August 31, 2021 ­  10.55­  .15­  1.74­  1.89­  (.12)  (.01)  (.13)  12.31­  18.13­  12­  .03­  1.36­  61­ 
Class R6                           
February 29, 2024**   $9.49­  .14­  .72­  .86­  (.24)  (.08)  (.32)  $10.03­  9.14*  $15,450­  (.05)*  1.49*  23* 
August 31, 2023­  9.57­  .21­  .39­  .60­  (.16)  (.52)  (.68)  9.49­  6.86­  13,477­  (.10)  2.25­  35­ 
August 31, 2022  12.31­  .16­  (1.53)  (1.37)  (.59)  (.78)  (1.37)  9.57­  (12.56)  11,594­  (.07)  1.49­  52­ 
August 31, 2021  10.55­  .16­  1.74­  1.90­  (.13)  (.01)  (.14)  12.31­  18.17­  11,404­  (.07)  1.38­  61­ 
August 31, 2020 ­  10.00­  .12­  .43­  .55­  —­  —­  —­  10.55­  5.50*  5,698­  (.05)*  1.21*  20* 

 

The accompanying notes are an integral part of these financial statements.

60 Retirement Advantage Funds  Retirement Advantage Funds 61 

 


 

Financial highlights cont.

2030 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $9.48­  .14­  .72­  .86­  (.23)  (.08)  (.31)  $10.03­  9.16*  $116­  *g  1.43*  23* 
August 31, 2023­  9.57­  .20­  .38­  .58­  (.15)  (.52)  (.67)  9.48­  6.65­  14­  —­g  2.14­  35­ 
August 31, 2022  12.31­  .17­  (1.55)  (1.38)  (.58)  (.78)  (1.36)  9.57­  (12.64)  12­  .03­  1.54­  52­ 
August 31, 2021 ­  10.55­  .15­  1.74­  1.89­  (.12)  (.01)  (.13)  12.31­  18.13­  12­  .03­  1.35­  61­ 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

62 Retirement Advantage Funds  Retirement Advantage Funds 63 

 


 

Financial highlights
(For a common share outstanding throughout the period)

2025 Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $9.56  .16­  .53­  .69­  (.30)  —­  (.30)  $9.95  7.31*   $1,169­  .17*  1.68*  34* 
August 31, 2023­  9.38­  .17­  .19­  .36­  (.04)  (.14)  (.18)  9.56­  3.89­  1,204­  .30­  1.83­  46­ 
August 31, 2022  11.46­  .09­  (1.42)  (1.33)  (.35)  (.40)  (.75)  9.38­  (12.36)  1,639­  .33­  .90­  49­ 
August 31, 2021 ­  10.55­  .14­  1.00­  1.14­  (.17)  (.06)  (.23)  11.46­  11.04­  1,433­  .32­  1.31­  56­ 
Class C                           
February 29, 2024**   $9.49­  .13­  .52  .65  (.22)  —­  (.22)  $9.92  6.85*   $56­  .54*  1.31*  34* 
August 31, 2023­  9.34­  .10­  .19­  .29­  —­  (.14)  (.14)  9.49­  3.17­  53­  1.05­  1.11­  46­ 
August 31, 2022  11.42­  .03­  (1.43)  (1.40)  (.28)  (.40)  (.68)  9.34­  (12.98)  66­  1.08­  .31­  49­ 
August 31, 2021 ­  10.55­  .04­  1.03­  1.07­  (.14)  (.06)  (.20)  11.42­  10.28­  60­  1.07­  .34­  56­ 
Class R                           
February 29, 2024**   $9.55­  .14­  .54  .68  (.27)  —­  (.27)  $9.96  7.12*   $11­  .37*  1.49*  34* 
August 31, 2023­  9.38­  .14­  .18­  .32­  (.01)  (.14)  (.15)  9.55­  3.47­  10­  .70­  1.48­  46­ 
August 31, 2022  11.44­  .07­  (1.44)  (1.37)  (.29)  (.40)  (.69)  9.38­  (12.68)  10­  .73­  .66­  49­ 
August 31, 2021 ­  10.55­  .10­  1.00­  1.10­  (.15)  (.06)  (.21)  11.44­  10.61­  11­  .72­  .92­  56­ 
Class R3                           
February 29, 2024**   $9.57­  .16­  .52  .68  (.29)  —­  (.29)  $9.96  7.16*   $11­  .24*  1.61*  34* 
August 31, 2023­  9.40­  .16­  .18­  .34­  (.03)  (.14)  (.17)  9.57­  3.73­  10­  .45­  1.73­  46­ 
August 31, 2022  11.46­  .09­  (1.43)  (1.34)  (.32)  (.40)  (.72)  9.40­  (12.45)  10­  .48­  .91­  49­ 
August 31, 2021 ­  10.55­  .13­  1.00­  1.13­  (.16)  (.06)  (.22)  11.46­  10.88­  11­  .47­  1.17­  56­ 
Class R4                           
February 29, 2024**   $9.57­  .17­  .53  .70  (.31)  —­  (.31)  $9.96  7.41*   $111­  .12*  1.74*  34* 
August 31, 2023­  9.41­  .18­  .18­  .36­  (.06)  (.14)  (.20)  9.57­  3.98­  100­  .20­  1.96­  46­ 
August 31, 2022  11.48­  .11­  (1.43)  (1.32)  (.35)  (.40)  (.75)  9.41­  (12.29)  105­  .23­  1.15­  49­ 
August 31, 2021 ­  10.55­  .15­  1.01­  1.16­  (.17)  (.06)  (.23)  11.48­  11.17­  11­  .22­  1.42­  56­ 
Class R5                           
February 29, 2024**   $9.59­  .17­  .54  .71  (.33)  —­  (.33)  $9.97  7.43*   $11­  .04*  1.81*  34* 
August 31, 2023­  9.42­  .20­  .18­  .38­  (.07)  (.14)  (.21)  9.59­  4.16­  10­  .05­  2.13­  46­ 
August 31, 2022  11.49­  .14­  (1.44)  (1.30)  (.37)  (.40)  (.77)  9.42­  (12.14)  10­  .08­  1.31­  49­ 
August 31, 2021 ­  10.55­  .17­  1.00­  1.17­  (.17)  (.06)  (.23)  11.49­  11.32­  11­  .07­  1.57­  56­ 
Class R6                           
February 29, 2024**   $9.59­  .18­  .54  .72  (.34)  —­  (.34)  $9.97  7.54*   $11,964­  (.01)*  1.87*  34* 
August 31, 2023­  9.42­  .21­  .18­  .39­  (.08)  (.14)  (.22)  9.59­  4.27­  11,085­  (.05)  2.22­  46­ 
August 31, 2022  11.49­  .15­  (1.44)  (1.29)  (.38)  (.40)  (.78)  9.42­  (12.05)  10,784­  (.02)  1.45­  49­ 
August 31, 2021  10.55­  .18­  1.00­  1.18­  (.18)  (.06)  (.24)  11.49­  11.36­  10,325­  (.03)  1.63­  56­ 
August 31, 2020 ­  10.00­  .12­  .43­  .55­  —­  —­  —­  10.55­  5.50*  5,137­  (.02)*  1.19*  26* 

 

The accompanying notes are an integral part of these financial statements.

64 Retirement Advantage Funds  Retirement Advantage Funds 65 

 


 

Financial highlights cont.

2025 Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $9.59­  .18­  .53  .71  (.33)  —­  (.33)  $9.97  7.47*   $55­  .04*  1.81*  34* 
August 31, 2023­  9.42­  .25­  .13­  .38­  (.07)  (.14)  (.21)  9.59­  4.16­  51­  .05­  2.62­  46­ 
August 31, 2022  11.49­  .13­  (1.43)  (1.30)  (.37)  (.40)  (.77)  9.42­  (12.14)  10­  .08­  1.30­  49­ 
August 31, 2021 ­  10.55­  .17­  1.00­  1.17­  (.17)  (.06)  (.23)  11.49­  11.32­  12­  .07­  1.56­  56­ 

 

See page 70 for notes to financial highlights.

The accompanying notes are an integral part of these financial statements.

66 Retirement Advantage Funds  Retirement Advantage Funds 67 

 


 

Financial highlights
(For a common share outstanding throughout the period)

Maturity Fund

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class A                           
February 29, 2024**   $9.63­  .18­  .48  .66  (.19)  (.01)  (.20)  $10.09­  6.95*  $676­  .20*  1.88*  20* 
August 31, 2023­  9.50­  .14­  .22­  .36­  (.14)  (.09)  (.23)  9.63­  3.83­  640­  .41­  1.51­  33­ 
August 31, 2022  11.26­  .03­  (1.31)  (1.28)  (.32)  (.16)  (.48)  9.50­  (11.91)  441­  .57­  .25­  46­ 
August 31, 2021 ­  10.49­  (.01)  .95­  .94­  (.16)  (.01)  (.17)  11.26­  9.06­  565­  .60­  (.06)  41­ 
Class C                           
February 29, 2024**   $9.47­  .14­  .47  .61  (.15)  (.01)  (.16)  $9.92­  6.56*  $10­  .58*  1.51*  20* 
August 31, 2023­  9.37­  .06­  .22­  .28­  (.09)  (.09)  (.18)  9.47­  3.06­  10­  1.16­  .63­  33­ 
August 31, 2022  11.19­  (.06)  (1.29)  (1.35)  (.31)  (.16)  (.47)  9.37­  (12.59)    1.32­  (.56)  46­ 
August 31, 2021 ­  10.49­  .05­  .81­  .86­  (.15)  (.01)  (.16)  11.19­  8.25­  11­  1.35­  .49­  41­ 
Class R                           
February 29, 2024**   $9.54­  .16­  .48  .64  (.17)  (.01)  (.18)  $10.00­  6.82*  $10­  .40*  1.68*  20* 
August 31, 2023­  9.43­  .09­  .23­  .32­  (.12)  (.09)  (.21)  9.54­  3.37­  10­  .81­  .98­  33­ 
August 31, 2022  11.22­  (.02)  (1.29)  (1.31)  (.32)  (.16)  (.48)  9.43­  (12.26)  10­  .97­  (.21)  46­ 
August 31, 2021 ­  10.49­  .09­  .81­  .90­  (.16)  (.01)  (.17)  11.22­  8.60­  11­  1.00­  .84­  41­ 
Class R3                           
February 29, 2024**   $9.59­  .17­  .48  .65  (.18)  (.01)  (.19)  $10.05­  6.92*  $11­  .28*  1.80*  20* 
August 31, 2023­  9.47­  .12­  .22­  .34­  (.13)  (.09)  (.22)  9.59­  3.63­  10­  .56­  1.23­  33­ 
August 31, 2022  11.24­  —­f  (1.29)  (1.29)  (.32)  (.16)  (.48)  9.47­  (12.03)  10­  .72­  .04­  46­ 
August 31, 2021 ­  10.49­  .12­  .80­  .92­  (.16)  (.01)  (.17)  11.24­  8.84­  11­  .75­  1.09­  41­ 
Class R4                           
February 29, 2024**   $9.64­  .19­  .47  .66  (.19)  (.01)  (.20)  $10.10­  7.01*  $33­  .15*  1.93*  20* 
August 31, 2023­  9.51­  .15­  .22­  .37­  (.15)  (.09)  (.24)  9.64­  3.94­  29­  .31­  1.55­  33­ 
August 31, 2022  11.26­  .02­  (1.29)  (1.27)  (.32)  (.16)  (.48)  9.51­  (11.81)  22­  .47­  .18­  46­ 
August 31, 2021 ­  10.49­  .14­  .80­  .94­  (.16)  (.01)  (.17)  11.26­  9.08­  11­  .50­  1.34­  41­ 
Class R5                           
February 29, 2024**   $9.67­  .20­  .47  .67  (.20)  (.01)  (.21)  $10.13­  7.06*  $11­  .08*  2.00*  20* 
August 31, 2023­  9.53­  .15­  .24­  .39­  (.16)  (.09)  (.25)  9.67­  4.14­  10­  .16­  1.63­  33­ 
August 31, 2022  11.28­  .05­  (1.32)  (1.27)  (.32)  (.16)  (.48)  9.53­  (11.77)  10­  .32­  .44­  46­ 
August 31, 2021 ­  10.49­  .16­  .81­  .97­  (.17)  (.01)  (.18)  11.28­  9.29­  11­  .35­  1.49­  41­ 
Class R6                           
February 29, 2024**   $9.69­  .20­  .48  .68  (.21)  (.01)  (.22)  $10.15­  7.11*  $13,060  .03*  2.07*  20* 
August 31, 2023­  9.56­  .16­  .23­  .39­  (.17)  (.09)  (.26)  9.69­  4.12­  11,980­  .06­  1.73­  33­ 
August 31, 2022  11.29­  .06­  (1.31)  (1.25)  (.32)  (.16)  (.48)  9.56­  (11.57)  12,192­  .22­  .58­  46­ 
August 31, 2021  10.49­  .20­  .78­  .98­  (.17)  (.01)  (.18)  11.29­  9.42­  11,041­  .25­  1.86­  41­ 
August 31, 2020 ­  10.00­  (.01)  .50­  .49­  —­  —­  —­  10.49­  4.90*  2,152­  .17*  (.07)*  6* 

 

The accompanying notes are an integral part of these financial statements.

68 Retirement Advantage Funds  Retirement Advantage Funds 69 

 


 

Financial highlights cont.

Maturity Fund cont.

  INVESTMENT OPERATIONS      LESS DISTRIBUTIONS          RATIOS AND SUPPLEMENTAL DATA   
                        Ratio of net   
                      Ratio  investment   
  Net asset    Net realized                of expenses  income (loss)   
  value,    and unrealized  Total from  From net  From net    Net asset  Total return  Net assets,  to average  to average  Portfolio 
  beginning  Net investment  gain (loss)  investment  investment  realized gain  Total  value, end  at net asset  end of period  net assets  net assets  turnover 
Period ended­  of period­  income (loss)a,b  on investments­  operations­  income­  on investments­  distributions  of period­  value (%)c  (in thousands)  (%)d,e  (%)b,e  (%) 
Class Y­                           
February 29, 2024**  $9.67  .20­  .47  .67  (.20)  (.01)  (.21)  $10.13­  7.06*  $26­  .08*  2.00*  20* 
August 31, 2023­  9.53  .16­  .23­  .39­  (.16)  (.09)  (.25)  9.67  4.14­  24­  .16­  1.63­  33­ 
August 31, 2022  11.28­  .05­  (1.32)  (1.27)  (.32)  (.16)  (.48)  9.53­  (11.77)  22­  .32­  .43­  46­ 
August 31, 2021 ­  10.49­  .16­  .81­  .97­  (.17)  (.01)  (.18)  11.28­  9.29­  11­  .35­  1.49­  41­ 

 

* Not annualized.

** Unaudited.

For the period December 30, 2020 (commencement of operations) to August 31, 2021.

For the period September 1, 2020 (commencement of operations) to August 31, 2021.

For the period December 31, 2019 (commencement of operations) to August 31, 2020.

a Per share net investment income (loss) has been determined on the basis of the weighted average number of shares outstanding during the period.

b The ratio of net investment income and net investment income per share amounts shown may not correspond with the expected class specific difference due to the timing of income received from the underlying Putnam Funds and the timing of subscriptions/redemption to the class.

c Total return does not reflect the effect of sales charges.

d Expense ratios do not include expenses of the underlying funds.

e Reflects an involuntary contractual expense limitation in effect during the period. As a result of such limitation the expenses for the following periods reflect a reduction of the following based on each fund’s average net assets (Note 2):

  2/29/24  8/31/23  8/31/22  8/31/21  8/31/20 
2065 Fund           
Classes A, C, R, R3, R4, R5, R6 and Y  7.55%  28.50%  70.37%  99.33%  N/A 
2060 Fund           
Classes A, C, R, R3, R4, R5, and Y  1.81  5.12  7.76  12.96  N/A 
Class R6  1.81  5.12  7.76  12.96  29.98% 
2055 Fund           
Classes A, C, R, R3, R4, R5, and Y  1.32  3.11  3.54  5.93  N/A 
Class R6  1.32  3.11  3.54  5.93  8.82 
2050 Fund           
Classes A, C, R, R3, R4, R5, and Y  1.03  2.43  2.67  4.00  N/A 
Class R6  1.03  2.43  2.67  4.00  6.16 
2045 Fund           
Classes A, C, R, R3, R4, R5, and Y  0.82  1.79  1.83  2.62  N/A 
Class R6  0.82  1.79  1.83  2.62  4.00 
2040 Fund           
Classes A, C, R, R3, R4, R5, and Y  0.75  1.79  1.88  2.73  N/A 
Class R6  0.75  1.79  1.88  2.73  3.98 

 

  2/29/24  8/31/23  8/31/22  8/31/21  8/31/20 
2035 Fund           
Classes A, C, R, R3, R4, R5, and Y  0.64  1.37  1.40  2.08  N/A 
Class R6  0.64  1.37  1.40  2.08  3.25 
2030 Fund           
Classes A, C, R, R3, R4, R5, and Y  0.63  1.40  1.36  2.10  N/A 
Class R6  0.63  1.40  1.36  2.10  3.38 
2025 Fund           
Classes A, C, R, R3, R4, R5, and Y  0.62  1.39  1.30  2.10  N/A 
Class R6  0.62  1.39  1.30  2.10  3.46 
Maturity Fund           
Classes A, C, R, R3, R4, R5, and Y  0.56  1.22  1.04  1.86  N/A 
Class R6  0.56  1.22  1.04  1.86  16.03 

 

f Amount represents less than $0.01 per share.

g Amount represents less than 0.01% of average net assets.

The accompanying notes are an integral part of these financial statements.

70 Retirement Advantage Funds  Retirement Advantage Funds 71 

 


 

Notes to financial statements 2/29/24 (Unaudited)

Unless otherwise noted, the “reporting period” represents the period from September 1, 2023 through February 29, 2024. The following table defines commonly used references within the Notes to financial statements.

References to  Represent 
Franklin Templeton  Franklin Resources, Inc. 
JPMorgan  JPMorgan Chase Bank, N.A. 
PIL  Putnam Investments Limited, an affiliate of Putnam Management 
Putnam Management  Putnam Investment Management, LLC, the fund’s manager, an indirect wholly-owned 
  subsidiary of Franklin Templeton 
SEC  Securities and Exchange Commission 

 

Each of the Putnam Retirement Advantage Funds (collectively the funds) were named the following:

 

Putnam Retirement Advantage 2065 Fund (2065 Fund)  Putnam Retirement Advantage 2040 Fund (2040 Fund) 
Putnam Retirement Advantage 2060 Fund (2060 Fund)  Putnam Retirement Advantage 2035 Fund (2035 Fund) 
Putnam Retirement Advantage 2055 Fund (2055 Fund)  Putnam Retirement Advantage 2030 Fund (2030 Fund) 
Putnam Retirement Advantage 2050 Fund (2050 Fund)  Putnam Retirement Advantage 2025 Fund (2025 Fund) 
Putnam Retirement Advantage 2045 Fund (2045 Fund)  Putnam Retirement Advantage Maturity Fund (Maturity Fund) 

 

Each fund is a diversified series of Putnam Target Date Funds (the “Trust”), a Massachusetts business trust registered under the Investment Company Act of 1940, as amended, as an open-end investment company. Each target date fund, except the Maturity Fund, seeks capital appreciation and current income consistent with a decreasing emphasis on capital appreciation and an increasing emphasis on current income as it approaches its target date. Maturity Fund seeks as high a rate of current income as Putnam Management believes is consistent with preservation of capital.

Currently there are ten separate funds, of which nine have a target date specified by the calendar year in the name of each fund. The target dates are in five-year increments beginning with the year 2025. The tenth fund is named Maturity Fund. Amounts invested in each target date fund are allocated among underlying Putnam funds based on the fund’s target date. The target percentages for each target date fund gradually change over time based on the number of years that remain until the target date of the fund so that a fund’s asset allocation will become more conservative as the fund approaches its target date. The asset allocation of each target date fund is designed to provide a diversified investment that Putnam Management believes is neither overly aggressive nor overly conservative for a typical investor planning to retire (or otherwise begin using the invested funds) in the target year. When a fund’s target percentages correspond to those of Maturity Fund, which currently is expected to occur during the latter part of the target year, the fund will be merged into Maturity Fund.

These financial statements report on each fund, which may invest in certain Putnam funds which are managed by Putnam Management. The financial statements of the underlying Putnam funds contain additional information about the expenses and investments of the underlying Putnam funds and are available upon request. As of February 29, 2024, each fund may invest in the following diversified funds:

Putnam Dynamic Asset Allocation Balanced Fund  Putnam Dynamic Asset Allocation Growth Fund 
Putnam Dynamic Asset Allocation Conservative Fund  Putnam Multi-Asset Income Fund 
Putnam Dynamic Asset Allocation Equity Fund  Putnam Short Term Investment Fund 

 

72 Retirement Advantage Funds 

 


 

Each fund offers the following share classes. The expenses for each class of shares may differ based on the distribution and investor servicing fees of each class, which are identified in Note 2.

Share class  Sales charge  Contingent deferred sales charge  Conversion feature 
    1.00% on certain redemptions of shares   
Class A  Up to 5.75%/4.00%  bought with no initial sales charge  None 
      Converts to class A shares 
Class C  None  1.00% eliminated after one year  after 8 years 
Class R*  None  None  None 
Class R3*  None  None  None 
Class R4*  None  None  None 
Class R5*  None  None  None 
Class R6*  None  None  None 
Class Y*  None  None  None 

 

* Not available to all investors.

Sales charge 5.75% for all funds except Maturity Fund which is 4.00%.

In the normal course of business, each fund enters into contracts that may include agreements to indemnify another party under given circumstances. Each fund’s maximum exposure under these arrangements is unknown as this would involve future claims that may be, but have not yet been, made against each fund. However, each fund’s management team expects the risk of material loss to be remote.

Each fund has entered into contractual arrangements with an investment adviser, administrator, distributor, shareholder servicing agent and custodian, who each provide services to each fund. Unless expressly stated otherwise, shareholders are not parties to, or intended beneficiaries of these contractual arrangements, and these contractual arrangements are not intended to create any shareholder right to enforce them against the service providers or to seek any remedy under them against the service providers, either directly or on behalf of each fund.

Under the Trust’s Amended and Restated Agreement and Declaration of Trust, any claims asserted by a shareholder against or on behalf of the Trust (or its series), including claims against Trustees and Officers, must be brought in state and federal courts located within the Commonwealth of Massachusetts.

Note 1: Significant accounting policies

Each fund follows the accounting and reporting guidance in Financial Accounting Standards Board (FASB) Accounting Standards Codification Topic 946, Financial Services – Investment Companies (ASC 946) and applies the specialized accounting and reporting guidance in U.S. Generally Accepted Accounting Principles (U.S. GAAP), including, but not limited to, ASC 946. The following is a summary of significant accounting policies consistently followed by each fund in the preparation of its financial statements. The preparation of financial statements is in conformity with accounting principles generally accepted in the United States of America and requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities in the financial statements and the reported amounts of increases and decreases in net assets from operations. Actual results could differ from those estimates. Subsequent events after the Statement of assets and liabilities date through the date that the financial statements were issued have been evaluated in the preparation of the financial statements.

Investment income, realized and unrealized gains and losses and expenses of each fund are borne pro-rata based on the relative net assets of each class to the total net assets of each fund, except that each class bears expenses unique to that class (including the distribution fees applicable to such classes). Each class votes as a class only with respect to its own distribution plan or other matters on which a class vote is required by law or determined by the Trustees. Shares of each class would receive their pro-rata share of the net assets of the fund if that fund were liquidated. In addition, the Trustees declare separate dividends on each class of shares.

Security valuation The price of each fund’s shares is based on its net asset value (NAV), which is in turn based on the NAVs of the underlying Putnam funds in which it invests, which are classified as Level 1 or Level 2 securities under Accounting Standards Codification 820 Fair Value Measurements and Disclosures (ASC 820). The NAVs of the underlying Putnam funds are determined based on the policies contained in each underlying Putnam fund’s financial statements. The NAV per share of each class equals the total value of its assets, less its liabilities, divided

Retirement Advantage Funds 73 

 


 

by the number of its outstanding shares. Shares are only valued as of the scheduled close of regular trading on the New York Stock Exchange each day the exchange is open.

Security transactions and related investment income Security transactions, which consist of shares of the underlying Putnam funds, are recorded on the trade date (date the order to buy or sell is executed). Gains or losses from the sale of the underlying Putnam funds are determined on the identified cost basis. Income and capital gain distributions from the underlying Putnam funds are recorded on the ex-dividend date.

Interfund lending Each fund, along with other Putnam funds, may participate in an interfund lending program pursuant to an exemptive order issued by the SEC. This program allows the funds to borrow from or lend to other Putnam funds that permit such transactions. Interfund lending transactions are subject to each fund’s investment policies and borrowing and lending limits. Interest earned or paid on the interfund lending transaction will be based on the average of certain current market rates. During the reporting period, the funds did not utilize the program.

Federal taxes It is the policy of each fund to distribute all of its taxable income within the prescribed time period and otherwise comply with the provisions of the Internal Revenue Code of 1986, as amended (the Code), applicable to regulated investment companies. It is also the intention of each fund to distribute an amount sufficient to avoid imposition of any excise tax under Section 4982 of the Code.

Each fund is subject to the provisions of Accounting Standards Codification 740 Income Taxes (ASC 740). ASC 740 sets forth a minimum threshold for financial statement recognition of the benefit of a tax position taken or expected to be taken in a tax return. The funds did not have a liability to record for any unrecognized tax benefits in the accompanying financial statements. No provision has been made for federal taxes on income, capital gains or unrealized appreciation on securities held nor for excise tax on income and capital gains. Each of the funds’ federal tax returns for the prior three fiscal years remains subject to examination by the Internal Revenue Service.

Under the Regulated Investment Company Modernization Act of 2010, the funds will be permitted to carry forward capital losses incurred for an unlimited period and the carry forwards will retain their character as either short-term or long-term capital losses. At August 31, 2023, the following funds had capital loss carryovers in the following amounts to the extent allowed by the Code, to offset future net capital gain, if any:

Loss carryover 
  Short-term  Long-term  Total 
2045 Fund  $3,073  $201,815  $204,888 
2035 Fund  11,408  27,453  38,861 
2025 Fund    212,423  212,423 

 

Tax cost of investments includes adjustments to net unrealized appreciation (depreciation) which may not necessarily be final tax cost basis adjustments, but closely approximate the tax basis unrealized gains and losses that may be realized and distributed to shareholders. The aggregate identified cost on a tax basis, resulting in gross unrealized appreciation and depreciation, respectively, and net unrealized for each fund are as follows:

 

      Net unrealized  Cost for 
  Unrealized  Unrealized  appreciation/  federal income 
  appreciation  (depreciation)  (depreciation)  tax purposes 
2065 Fund  $76,916  $(1,626)  $75,290  $633,831 
2060 Fund  281,939  (3,929)  278,010  3,194,173 
2055 Fund  410,256  (14,220)  396,036  4,805,156 
2050 Fund  505,726  (55,229)  450,497  6,913,595 
2045 Fund  907,567  (164,840)  742,727  11,310,226 
2040 Fund  801,482  (9,474)  792,008  12,513,489 
2035 Fund  537,983  (39,532)  498,451  16,513,034 
2030 Fund  21,811  (34,864)  (13,053)  16,879,257 
2025 Fund  722,862  (829,220)  (106,358)  13,494,668 
Maturity Fund  47,934  (244,069)  (196,135)  14,034,479 

 

74 Retirement Advantage Funds 

 


 

Distributions to shareholders Each fund normally distributes any net investment income and any net realized capital gains annually, except Maturity Fund, which normally distributes any net investment income monthly and any net realized capital gains annually. The amount and character of income and gains to be distributed are determined in accordance with income tax regulations, which may differ from generally accepted accounting principles. Dividend sources are estimated at the time of declaration. Actual results may vary. Any non-taxable return of capital cannot be determined until final tax calculations are completed after the end of the fund’s fiscal year. Reclassifications are made to the fund’s capital accounts to reflect income and gains available for distribution (or available capital loss carryovers) under income tax regulations.

Expenses of the Trust Expenses directly charged or attributable to any fund will be paid from the assets of that fund. Generally, expenses of the Trust will be allocated among and charged to the assets of each fund on a basis that the Trustees deem fair and equitable, which may be based on the relative assets of each fund or the nature of the services performed and relative applicability to each fund.

Note 2: Management fee, administrative services and other transactions

Under the funds’ management contract (the “Management Contract”), each fund pays a management fee to Putnam Management. The fee for each fund is calculated and paid monthly based on an annual rate and the fund’s average net assets for the month. For Maturity Fund, the annual rate is 0.36%. For each other fund, the annual rate is based on the number of years remaining (determined as of September 30th of each year and applicable through September 30th of the following year) until the date referenced in the fund’s name (the “Target Date”). “Average net assets” means the average of all of the determinations of a fund’s net asset value at the close of business on each business day during each month. The annual rate for each fund for the reporting period were:

2065 Fund  0.45% 
2060 Fund  0.44% 
2055 Fund  0.43% 
2050 Fund  0.42% 
2045 Fund  0.41% 
2040 Fund  0.40% 
2035 Fund  0.39% 
2030 Fund  0.38% 
2025 Fund  0.37% 

 

Putnam Management has contractually agreed to waive fees and/or reimburse expenses of each fund through at least December 30, 2026 in an amount equal to the fund’s acquired fund fees and expenses. During the reporting period, expenses for each fund were reduced by the following amounts as a result of this waiver:

 

  Fees waived and reimbursed 
  by the Manager 
2065 Fund  $1,760 
2060 Fund  8,823 
2055 Fund  13,610 
2050 Fund  20,801 
2045 Fund  33,956 
2040 Fund  35,553 
2035 Fund  45,118 
2030 Fund  43,829 
2025 Fund  30,523 
Maturity Fund  26,388 

 

Putnam Management has also contractually agreed to waive fees and/or reimburse expenses of each class of shares of each fund through at least December 30, 2026 in an amount sufficient to result in total annual fund operating expenses for the fund’s class A, C, R, R3, R4, R5, R6 and Y shares (exclusive of payments under the fund’s distribution plans, brokerage, interest, taxes, investment-related expenses, acquired fund fees and extraordinary

 

Retirement Advantage Funds 75 

 


 

expenses) that equal 0.55%, 0.55%, 0.70%, 0.70%, 0.70%, 0.55%, 0.45%, and 0.55%, respectively, of the fund’s average net assets. During the reporting period, expenses for each fund were reduced by the following amounts as a result of this waiver:

  Fees waived and reimbursed 
  by the Manager 
2065 Fund  $41,886 
2060 Fund  43,271 
2055 Fund  43,932 
2050 Fund  46,514 
2045 Fund  53,484 
2040 Fund  52,731 
2035 Fund  57,159 
2030 Fund  55,753 
2025 Fund  51,826 
Maturity Fund  50,312 

 

PIL is authorized by the Trustees to manage a separate portion of the assets of each fund as determined by Putnam Management from time to time. PIL did not manage any portion of the assets of the funds during the reporting period. If Putnam Management were to engage the services of PIL, Putnam Management would pay a quarterly sub-management fee to PIL for its services at an annual rate of 0.25% of the average net assets of the portion of each fund managed by PIL.

On January 1, 2024, a subsidiary of Franklin Templeton acquired Putnam U.S. Holdings I, LLC (“Putnam Holdings”), the parent company of Putnam Management and PIL, in a stock and cash transaction (the “Transaction”). As a result of the Transaction, Putnam Management and PIL became indirect, wholly-owned subsidiaries of Franklin Templeton. The Transaction also resulted in the automatic termination of the investment management contract between the fund and Putnam Management and the sub-management contract for the fund between Putnam Management and PIL that were in place for the fund before the Transaction (together, the “Previous Advisory Contracts”). However, Putnam Management and PIL continued to provide uninterrupted services with respect to the 2065 Fund, 2035 Fund and 2030 Fund pursuant to new investment management and sub-management contracts that were approved by fund shareholders at a shareholder meeting held in connection with the Transaction and that took effect on January 1, 2024 (together, the “New Advisory Contracts”). The terms of the New Advisory Contracts are substantially similar to those of the Previous Advisory Contracts, and the fee rates payable under the New Advisory Contracts are the same as the fee rates under the Previous Advisory Contracts.

With respect to 2055 Fund, 2025 Fund and Maturity Fund, for the period from January 1, 2024 until January 31, 2024, and with respect to 2060 Fund, 2050 Fund, 2045 Fund and 2040 Fund, for the period from January 1, 2024 until February 14, 2024, Putnam Management and PIL continued to provide uninterrupted services with respect to the fund pursuant to interim investment management and sub-management contracts (together, the “Interim Advisory Contracts”) that were approved by the Board of Trustees. The terms of the Interim Advisory Contracts were identical to those of the Previous Advisory Contracts, except for the term of the contracts and those provisions required by regulation. On January 31, 2024 and February 14, 2024, new investment management and sub-management contracts were approved by fund shareholders at a shareholder meeting held in connection with the Transaction (together, the “New Advisory Contracts”). The New Advisory Contracts took effect on January 31, 2024 and February 14, 2024 and replaced the Interim Advisory Contracts. The terms of the New Advisory Contracts are substantially similar to those of the Previous Advisory Contracts, and the fee rates payable under the New Advisory Contracts are the same as the fee rates under the Previous Advisory Contracts.

76 Retirement Advantage Funds 

 


 

Putnam Investor Services, Inc., an affiliate of Putnam Management, provides investor servicing agent functions to each fund at the following class specific rates. During the period, the expenses for each class of shares related to investor servicing fees for each fund were as follows:

  Class A  Class C  Class R  Class R3  Class R4  Class R5  Class R6  Class Y   
Maximum %  0.125%  0.125%  0.275%  0.275%  0.275%  0.125%  0.025%  0.125%  Total 
2065 Fund  $160  $23  $19  $16  $91  $7  $20  $15  $351 
2060 Fund  258  18  18  18  39  8  294  12  $665 
2055 Fund  188  23  17  18  37  8  494  9  $794 
2050 Fund  276  9  17  17  63  8  751  9  $1,150 
2045 Fund  404  23  17  17  105  8  1,226  61  $1,861 
2040 Fund  495  17  17  17  82  8  1,351  18  $2,005 
2035 Fund  1,119  7  16  16  47  7  1,767  13  $2,992 
2030 Fund  657  74  15  15  21  7  1,839  9  $2,637 
2025 Fund  748  34  14  14  143  6  1,469  32  $2,460 
Maturity Fund  406  6  14  14  42  6  1,617  15  $2,120 

 

Each fund has adopted distribution plans (the Plans) with respect to the following share classes pursuant to Rule 12b–1 under the Investment Company Act of 1940. The purpose of the Plans is to compensate Putnam Retail Management Limited Partnership, an indirect wholly-owned subsidiary of Putnam Investments, LLC, for services provided and expenses incurred in distributing shares of the funds. The Plans provide for payments by each fund to Putnam Retail Management Limited Partnership at an annual rate of up to the following amounts (“Maximum %”) of the average net assets attributable to each class. The Trustees have approved payment by the funds at the following annual rates (“Approved %”) of the average net assets attributable to each class. During the reporting period, the class-specific expenses related to distribution fees for each fund were as follows:

 

  Class A  Class C  Class R  Class R3   
Maximum %  0.35%  1.00%  1.00%  0.35%   
Approved %  0.25%  1.00%  0.50%  0.25%  Total 
2065 Fund  $318  $183  $35  $15  $551 
2060 Fund  512  147  32  16  $707 
2055 Fund  374  183  31  16  $604 
2050 Fund  547  69  31  16  $663 
2045 Fund  802  187  31  15  $1,035 
2040 Fund  982  137  30  15  $1,164 
2035 Fund  2,225  57  29  15  $2,326 
2030 Fund  1,306  592  27  14  $1,939 
2025 Fund  1,488  267  25  13  $1,793 
Maturity Fund  808  49  25  13  $895 

 

Retirement Advantage Funds 77 

 


 

For the reporting period, Putnam Retail Management Limited Partnership, acting as underwriter, received net commissions from the sale of class A shares and received contingent deferred sales charges from redemptions of class C shares in the following amounts:

  Class A   
  Net Commissions  Class C CDSC 
2065 Fund  $360  $— 
2060 Fund  833   
2055 Fund  502   
2050 Fund  919   
2045 Fund  1,334   
2040 Fund  782   
2035 Fund  803   
2030 Fund  851  150 
2025 Fund  158   
Maturity Fund  11   

 

A deferred sales charge of up to 1.00% is assessed on certain redemptions of class A shares. For the reporting period, Putnam Retail Management Limited Partnership, acting as underwriter, received the following amount on class A redemptions:

 

  Class A CDSC 
2055 Fund  $21 
2050 Fund  13 
2045 Fund  24 
2025 Fund  6 

 

Note 3: Purchases and sales of securities

During the reporting period, cost of purchases and proceeds from sales of underlying Putnam Funds were as follows:

  Cost of purchases  Proceeds from sales 
2065 Fund  $195,460  $79,795 
2060 Fund  904,852  297,466 
2055 Fund  1,354,605  533,593 
2050 Fund  1,545,947  918,144 
2045 Fund  2,124,406  1,106,132 
2040 Fund  3,208,320  1,472,625 
2035 Fund  3,602,600  4,038,494 
2030 Fund  4,686,666  3,608,144 
2025 Fund  4,461,141  4,366,140 
Maturity Fund  2,942,562  2,633,475 

 

78 Retirement Advantage Funds 

 


 

Note 4: Capital shares

At the close of the reporting period, there were an unlimited number of shares of beneficial interest authorized. Transactions, including, if applicable, direct exchanges pursuant to share conversions, in capital shares were as follows:

2065 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  4,506  $48,203  19,398  $189,489 
Shares issued in connection with         
reinvestment of distributions  1,371  14,449  269  2,384 
  5,877  62,652  19,667  191,873 
Shares repurchased  (376)  (3,989)  (1,538)  (14,911) 
Net increase  5,501  $58,663  18,129  $176,962 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  907  $9,582  1,752  $17,548 
Shares issued in connection with         
reinvestment of distributions  196  2,052  71  623 
  1,103  11,634  1,823  18,171 
Shares repurchased  (27)  (289)  (4)  (35) 
Net increase  1,076  $11,345  1,819  $18,136 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold  337  $3,500    $— 
Shares issued in connection with         
reinvestment of distributions  76  801  52  459 
  413  4,301  52  459 
Shares repurchased         
Net increase  413  $4,301  52  $459 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  59  625  52  461 
  59  625  52  461 
Shares repurchased         
Net increase  59  $625  52  $461 

 

Retirement Advantage Funds 79 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  1,385  $14,550  1,829  $17,526 
Shares issued in connection with         
reinvestment of distributions  361  3,811  220  1,950 
  1,746  18,361  2,049  19,476 
Shares repurchased  (35)  (359)  (94)  (874) 
Net increase  1,711  $18,002  1,955  $18,602 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  63  674  57  504 
  63  674  57  504 
Shares repurchased         
Net increase  63  $674  57  $504 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  9,433  $101,646  11,402  $111,909 
Shares issued in connection with         
reinvestment of distributions  786  8,313  247  2,197 
  10,219  109,959  11,649  114,106 
Shares repurchased  (5,254)  (57,157)  (1,866)  (17,777) 
Net increase  4,965  $52,802  9,783  $96,329 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold  56  $601  52  $500 
Shares issued in connection with         
reinvestment of distributions  135  1,426  122  1,085 
  191  2,027  174  1,585 
Shares repurchased  (1,392)  (15,111)  (50)  (474) 
Net increase (decrease)  (1,201)  $(13,084)  124  $1,111 

 

2060 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  8,057  $82,895  28,200  $268,506 
Shares issued in connection with         
reinvestment of distributions  3,303  33,558  966  8,491 
  11,360  116,453  29,166  276,997 
Shares repurchased  (1,807)  (18,752)  (5,264)  (52,796) 
Net increase  9,553  $97,701  23,902  $224,201 

 

80 Retirement Advantage Funds 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  2,582  $25,842  25  $240 
Shares issued in connection with         
reinvestment of distributions  311  3,127  74  644 
  2,893  28,969  99  884 
Shares repurchased  (2)  (25)     
Net increase  2,891  $28,944  99  $884 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  95  967  72  632 
  95  967  72  632 
Shares repurchased         
Net increase  95  $967  72  $632 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  98  999  73  641 
  98  999  73  641 
Shares repurchased         
Net increase  98  $999  73  $641 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  266  $2,754  452  $4,296 
Shares issued in connection with         
reinvestment of distributions  220  2,241  149  1,309 
  486  4,995  601  5,605 
Shares repurchased  (132)  (1,363)  (36)  (326) 
Net increase  354  $3,632  565  $5,279 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  104  1,056  78  689 
  104  1,056  78  689 
Shares repurchased         
Net increase  104  $1,056  78  $689 

 

Retirement Advantage Funds 81 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  63,109  $648,884  116,026  $1,118,407 
Shares issued in connection with         
reinvestment of distributions  19,273  196,200  9,503  83,625 
  82,382  845,084  125,529  1,202,032 
Shares repurchased  (20,444)  (217,672)  (36,454)  (354,454) 
Net increase  61,938  $627,412  89,075  $847,578 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold  176  $1,800  171  $1,649 
Shares issued in connection with         
reinvestment of distributions  159  1,619  104  917 
  335  3,419  275  2,566 
Shares repurchased  (33)  (350)  (3)  (25) 
Net increase  302  $3,069  272  $2,541 

 

2055 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  22,543  $239,782  7,667  $73,719 
Shares issued in connection with         
reinvestment of distributions  1,285  13,304  1,755  15,335 
  23,828  253,086  9,422  89,054 
Shares repurchased  (1,623)  (16,655)  (1,270)  (11,816) 
Net increase  22,205  $236,431  8,152  $77,238 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  7,214  $74,522  242  $2,400 
Shares issued in connection with         
reinvestment of distributions  100  1,027  121  1,057 
  7,314  75,549  363  3,457 
Shares repurchased  (9)  (95)  (782)  (7,535) 
Net increase (decrease)  7,305  $75,454  (419)  $(4,078) 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  50  517  98  859 
  50  517  98  859 
Shares repurchased         
Net increase  50  $517  98  $859 

 

82 Retirement Advantage Funds 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  52  549  102  890 
  52  549  102  890 
Shares repurchased         
Net increase  52  $549  102  $890 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  267  $2,755  533  $5,070 
Shares issued in connection with         
reinvestment of distributions  116  1,205  279  2,442 
  383  3,960  812  7,512 
Shares repurchased  (140)  (1,399)  (1,381)  (12,990) 
Net increase (decrease)  243  $2,561  (569)  $(5,478) 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  58  602  107  939 
  58  602  107  939 
Shares repurchased         
Net increase  58  $602  107  $939 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  75,597  $771,036  127,555  $1,231,580 
Shares issued in connection with         
reinvestment of distributions  18,238  189,492  31,627  277,055 
  93,835  960,528  159,182  1,508,635 
Shares repurchased  (37,460)  (399,633)  (107,710)  (1,018,667) 
Net increase  56,375  $560,895  51,472  $489,968 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold  23  $239  51  $480 
Shares issued in connection with         
reinvestment of distributions  64  666  114  1,001 
  87  905  165  1,481 
Shares repurchased  (2)  (25)  (3)  (25) 
Net increase  85  $880  162  $1,456 

 

Retirement Advantage Funds 83 

 


 

2050 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  29,240  $290,060  16,693  $152,199 
Shares issued in connection with         
reinvestment of distributions  2,102  20,788  2,277  19,353 
  31,342  310,848  18,970  171,552 
Shares repurchased  (4,585)  (47,505)  (1,774)  (16,171) 
Net increase  26,757  $263,343  17,196  $155,381 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  98  $918  75  $700 
Shares issued in connection with         
reinvestment of distributions  62  617  114  972 
  160  1,535  189  1,672 
Shares repurchased  (2)  (25)     
Net increase  158  $1,510  189  $1,672 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  58  574  117  997 
  58  574  117  997 
Shares repurchased         
Net increase  58  $574  117  $997 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  61  606  120  1,028 
  61  606  120  1,028 
Shares repurchased         
Net increase  61  $606  120  $1,028 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  770  $7,615  1,325  $12,289 
Shares issued in connection with         
reinvestment of distributions  242  2,399  375  3,195 
  1,012  10,014  1,700  15,484 
Shares repurchased  (63)  (602)  (396)  (3,631) 
Net increase  949  $9,412  1,304  $11,853 

 

84 Retirement Advantage Funds 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  66  659  127  1,077 
  66  659  127  1,077 
Shares repurchased         
Net increase  66  $659  127  $1,077 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  84,473  $826,065  182,713  $1,716,131 
Shares issued in connection with         
reinvestment of distributions  31,326  311,383  52,973  451,855 
  115,799  1,137,448  235,686  2,167,986 
Shares repurchased  (70,469)  (717,492)  (89,106)  (822,992) 
Net increase  45,330  $419,956  146,580  $1,344,994 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  72  716  138  1,172 
  72  716  138  1,172 
Shares repurchased         
Net increase  72  $716  138  $1,172 

 

2045 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  27,242  $275,163  18,209  $169,988 
Shares issued in connection with         
reinvestment of distributions  1,555  15,721  5,155  44,231 
  28,797  290,884  23,364  214,219 
Shares repurchased  (1,151)  (11,351)  (6,363)  (59,230) 
Net increase  27,646  $279,533  17,001  $154,989 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  8,729  $91,859  512  $4,746 
Shares issued in connection with         
reinvestment of distributions  62  628  247  2,121 
  8,791  92,487  759  6,867 
Shares repurchased  (8)  (85)  (6)  (50) 
Net increase  8,783  $92,402  753  $6,817 

 

Retirement Advantage Funds 85 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  26  262  125  1,073 
  26  262  125  1,073 
Shares repurchased         
Net increase  26  $262  125  $1,073 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  29  291  128  1,104 
  29  291  128  1,104 
Shares repurchased         
Net increase  29  $291  128  $1,104 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  131  $1,338  509  $4,762 
Shares issued in connection with         
reinvestment of distributions  196  1,990  986  8,474 
  327  3,328  1,495  13,236 
Shares repurchased  (52)  (502)  (2,029)  (18,632) 
Net increase (decrease)  275  $2,826  (534)  $(5,396) 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  34  341  134  1,154 
  34  341  134  1,154 
Shares repurchased         
Net increase  34  $341  134  $1,154 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  114,806  $1,115,099  293,686  $2,765,322 
Shares issued in connection with         
reinvestment of distributions  27,183  275,903  104,331  897,247 
  141,989  1,391,002  398,017  3,662,569 
Shares repurchased  (94,186)  (938,325)  (245,656)  (2,255,231) 
Net increase  47,803  $452,677  152,361  $1,407,338 

 

86 Retirement Advantage Funds 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold    $—  8,523  $79,574 
Shares issued in connection with         
reinvestment of distributions  268  2,715  134  1,154 
  268  2,715  8,657  80,728 
Shares repurchased         
Net increase  268  $2,715  8,657  $80,728 

 

2040 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  67,774  $656,848  44,107  $410,710 
Shares issued in connection with         
reinvestment of distributions  3,104  30,510  2,547  21,647 
  70,878  687,358  46,654  432,357 
Shares repurchased  (21,648)  (215,033)  (13,368)  (123,771) 
Net increase  49,230  $472,325  33,286  $308,586 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  720  $6,999  966  $8,635 
Shares issued in connection with         
reinvestment of distributions  75  741  184  1,570 
  795  7,740  1,150  10,205 
Shares repurchased  (221)  (2,050)  (3)  (25) 
Net increase  574  $5,690  1,147  $10,180 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  34  335  133  1,127 
  34  335  133  1,127 
Shares repurchased         
Net increase  34  $335  133  $1,127 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  37  366  136  1,157 
  37  366  136  1,157 
Shares repurchased         
Net increase  37  $366  136  $1,157 

 

Retirement Advantage Funds 87 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  260  $2,521  1,361  $12,451 
Shares issued in connection with         
reinvestment of distributions  199  1,963  565  4,802 
  459  4,484  1,926  17,253 
Shares repurchased  (206)  (1,955)  (55)  (508) 
Net increase  253  $2,529  1,871  $16,745 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  42  414  142  1,207 
  42  414  142  1,207 
Shares repurchased         
Net increase  42  $414  142  $1,207 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  159,748  $1,508,699  370,228  $3,382,611 
Shares issued in connection with         
reinvestment of distributions  38,339  378,406  100,001  851,011 
  198,087  1,887,105  470,229  4,233,622 
Shares repurchased  (69,180)  (692,869)  (146,528)  (1,345,063) 
Net increase  128,907  $1,194,236  323,701  $2,888,559 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold  242  $2,500  1,701  $15,932 
Shares issued in connection with         
reinvestment of distributions  100  990  142  1,207 
  342  3,490  1,843  17,139 
Shares repurchased         
Net increase  342  $3,490  1,843  $17,139 

 

2035 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  38,418  $371,735  81,758  $752,387 
Shares issued in connection with         
reinvestment of distributions  8,404  82,446  6,624  57,561 
  46,822  454,181  88,382  809,948 
Shares repurchased  (11,387)  (110,982)  (949)  (9,028) 
Net increase  35,435  $343,199  87,433  $800,920 

 

88 Retirement Advantage Funds 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  5  $45    $— 
Shares issued in connection with         
reinvestment of distributions  42  412  127  1,098 
  47  457  127  1,098 
Shares repurchased      (1,706)  (15,761) 
Net increase (decrease)  47  $457  (1,579)  $(14,663) 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  46  454  87  758 
  46  454  87  758 
Shares repurchased         
Net increase  46  $454  87  $758 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  49  484  89  777 
  49  484  89  777 
Shares repurchased         
Net increase  49  $484  89  $777 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  525  $5,140  886  $8,253 
Shares issued in connection with         
reinvestment of distributions  156  1,536  215  1,872 
  681  6,676  1,101  10,125 
Shares repurchased  (56)  (539)  (22)  (203) 
Net increase  625  $6,137  1,079  $9,922 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  54  533  94  825 
  54  533  94  825 
Shares repurchased         
Net increase  54  $533  94  $825 

 

Retirement Advantage Funds 89 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  191,769  $1,824,382  374,371  $3,445,146 
Shares issued in connection with         
reinvestment of distributions  64,864  638,262  114,769  999,639 
  256,633  2,462,644  489,140  4,444,785 
Shares repurchased  (304,735)  (2,995,337)  (267,791)  (2,542,414) 
Net increase (decrease)  (48,102)  $(532,693)  221,349  $1,902,371 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  91  889  158  1,378 
  91  889  158  1,378 
Shares repurchased         
Net increase  91  $889  158  $1,378 

 

2030 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  16,194  $153,659  53,755  $495,600 
Shares issued in connection with         
reinvestment of distributions  3,419  33,165  4,188  36,561 
  19,613  186,824  57,943  532,161 
Shares repurchased  (3,007)  (28,509)  (10,968)  (99,479) 
Net increase  16,606  $158,315  46,975  $432,682 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  742  $7,215  7,544  $68,204 
Shares issued in connection with         
reinvestment of distributions  315  3,039  407  3,535 
  1,057  10,254  7,951  71,739 
Shares repurchased  (5,543)  (54,818)  (1,595)  (14,912) 
Net increase (decrease)  (4,486)  $(44,564)  6,356  $56,827 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  29  284  74  649 
  29  284  74  649 
Shares repurchased         
Net increase  29  $284  74  $649 

 

90 Retirement Advantage Funds 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  32  312  77  677 
  32  312  77  677 
Shares repurchased         
Net increase  32  $312  77  $677 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  68  $651  242  $2,243 
Shares issued in connection with         
reinvestment of distributions  33  321  744  6,516 
  101  972  986  8,759 
Shares repurchased  (3)  (29)  (9,959)  (93,029) 
Net increase (decrease)  98  $943  (8,973)  $(84,270) 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  37  357  82  722 
  37  357  82  722 
Shares repurchased         
Net increase  37  $357  82  $722 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  313,935  $2,899,200  374,870  $3,465,763 
Shares issued in connection with         
reinvestment of distributions  49,074  477,978  94,019  823,602 
  363,009  3,377,178  468,889  4,289,365 
Shares repurchased  (243,397)  (2,357,609)  (259,283)  (2,416,253) 
Net increase  119,612  $1,019,569  209,606  $1,873,112 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold  10,051  $100,756  121  $1,089 
Shares issued in connection with         
reinvestment of distributions  49  479  96  839 
  10,100  101,235  217  1,928 
Shares repurchased  (3)  (25)     
Net increase  10,097  $101,210  217  $1,928 

 

Retirement Advantage Funds 91 

 


 

2025 Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  11,739  $112,829  13,040  $121,465 
Shares issued in connection with         
reinvestment of distributions  3,952  38,685  2,440  22,107 
  15,691  151,514  15,480  143,572 
Shares repurchased  (24,131)  (235,306)  (64,316)  (590,081) 
Net decrease  (8,440)  $(83,792)  (48,836)  $(446,509) 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold  15  $150  2,376  $22,389 
Shares issued in connection with         
reinvestment of distributions  123  1,203  112  1,008 
  138  1,353  2,488  23,397 
Shares repurchased  (112)  (1,078)  (3,995)  (37,700) 
Net increase (decrease)  26  $275  (1,507)  $(14,303) 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  29  278  16  152 
  29  278  16  152 
Shares repurchased         
Net increase  29  $278  16  $152 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  31  305  19  177 
  31  305  19  177 
Shares repurchased         
Net increase  31  $305  19  $177 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  421  $4,058  1,056  $9,838 
Shares issued in connection with         
reinvestment of distributions  343  3,361  244  2,212 
  764  7,419  1,300  12,050 
Shares repurchased  (71)  (678)  (2,033)  (18,778) 
Net increase (decrease)  693  $6,741  (733)  $(6,728) 

 

92 Retirement Advantage Funds 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  36  347  24  218 
  36  347  24  218 
Shares repurchased         
Net increase  36  $347  24  $218 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  234,071  $2,211,230  262,299  $2,451,284 
Shares issued in connection with         
reinvestment of distributions  39,342  385,551  29,873  270,948 
  273,413  2,596,781  292,172  2,722,232 
Shares repurchased  (228,746)  (2,255,042)  (281,148)  (2,640,048) 
Net increase  44,667  $341,739  11,024  $82,184 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold    $—  4,242  $40,000 
Shares issued in connection with         
reinvestment of distributions  179  1,756  24  218 
  179  1,756  4,266  40,218 
Shares repurchased         
Net increase  179  $1,756  4,266  $40,218 

 

Maturity Fund

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class A  Shares  Amount  Shares  Amount 
Shares sold  37  $364  19,290  $180,654 
Shares issued in connection with         
reinvestment of distributions  1,378  13,446  1,361  12,847 
  1,415  13,810  20,651  193,501 
Shares repurchased  (853)  (8,543)  (650)  (6,227) 
Net increase  562  $5,267  20,001  $187,274 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class C  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  15  144  20  184 
  15  144  20  184 
Shares repurchased         
Net increase  15  $144  20  $184 

 

Retirement Advantage Funds 93 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  16  159  22  206 
  16  159  22  206 
Shares repurchased         
Net increase  16  $159  22  $206 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R3  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  18  170  24  221 
  18  170  24  221 
Shares repurchased         
Net increase  18  $170  24  $221 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R4  Shares  Amount  Shares  Amount 
Shares sold  133  $1,277  687  $6,532 
Shares issued in connection with         
reinvestment of distributions  64  621  69  648 
  197  1,898  756  7,180 
Shares repurchased  (15)  (148)  (24)  (224) 
Net increase  182  $1,750  732  $6,956 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R5  Shares  Amount  Shares  Amount 
Shares sold    $—    $— 
Shares issued in connection with         
reinvestment of distributions  19  186  27  253 
  19  186  27  253 
Shares repurchased         
Net increase  19  $186  27  $253 
 
  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class R6  Shares  Amount  Shares  Amount 
Shares sold  274,720  $2,567,469  384,927  $3,688,014 
Shares issued in connection with         
reinvestment of distributions  28,947  284,156  35,005  332,147 
  303,667  2,851,625  419,932  4,020,161 
Shares repurchased  (253,538)  (2,532,188)  (459,822)  (4,433,423) 
Net increase (decrease)  50,129  $319,437  (39,890)  $(413,262) 

 

94 Retirement Advantage Funds 

 


 

  SIX MONTHS ENDED 2/29/24  YEAR ENDED 8/31/23 
Class Y  Shares  Amount  Shares  Amount 
Shares sold    $—  106  $1,000 
Shares issued in connection with         
reinvestment of distributions  51  499  64  607 
  51  499  170  1,607 
Shares repurchased         
Net increase  51  $499  170  $1,607 

 

At the close of the reporting period, Putnam Investments, LLC owned the following shares of each fund:

 

      Fair value at the end of the 
  Shares owned  Percentage of shares outstanding  reporting period 
2065 Fund class C  1,160  27.95%  $12,899 
2065 Fund class R  1,164  76.68  13,048 
2065 Fund class R3  1,167  100.00  13,149 
2065 Fund class R4  1,177  16.33  13,253 
2065 Fund class R5  1,180  100.00  13,317 
2065 Fund class R6  1,184  6.39  13,356 
2065 Fund class Y  1,181  94.48  13,322 
2060 Fund class C  1,309  31.58  13,980 
2060 Fund class R  1,310  100.00  14,143 
2060 Fund class R3  1,317  100.00  14,266 
2060 Fund class R4  1,329  44.24  14,393 
2060 Fund class R5  1,334  100.00  14,462 
2060 Fund class Y  1,334  65.17  14,461 
2055 Fund class C  1,259  14.32  13,761 
2055 Fund class R  1,264  100.00  13,923 
2055 Fund class R3  1,273  100.00  14,042 
2055 Fund class R4  1,284  46.40  14,163 
2055 Fund class R5  1,290  100.00  14,235 
2055 Fund class Y  1,290  90.21  14,242 
2050 Fund class C  1,287  87.85  13,475 
2050 Fund class R  1,298  100.00  13,641 
2050 Fund class R3  1,308  100.00  13,759 
2050 Fund class R4  1,320  25.29  13,873 
2050 Fund class R5  1,325  100.00  13,948 
2050 Fund class Y  1,325  91.95  13,952 
2045 Fund class C  1,238  10.58  13,209 
2045 Fund class R  1,249  100.00  13,367 
2045 Fund class R3  1,259  100.00  13,483 
2045 Fund class R4  1,270  16.11  13,602 
2045 Fund class R5  1,275  100.00  13,669 
2045 Fund class Y  1,275  12.71  13,668 
2040 Fund class C  1,250  37.98  12,913 
2040 Fund class R  1,262  100.00  13,071 

 

Retirement Advantage Funds 95 

 


 

      Fair value at the end of the 
  Shares owned  Percentage of shares outstanding  reporting period 
2040 Fund class R3  1,272  100.00%  $13,183 
2040 Fund class R4  1,283  20.08  13,292 
2040 Fund class R5  1,288  100.00  13,365 
2040 Fund class Y  1,289  39.19  13,367 
2035 Fund class C  1,218  99.59  12,436 
2035 Fund class R  1,227  100.00  12,576 
2035 Fund class R3  1,235  100.00  12,685 
2035 Fund class R4  1,247  31.99  12,794 
2035 Fund class R5  1,251  100.00  12,859 
2035 Fund class Y  1,252  59.90  12,858 
2030 Fund class C  1,171  14.88  11,593 
2030 Fund class R  1,172  100.00  11,742 
2030 Fund class R3  1,182  100.00  11,843 
2030 Fund class R4  1,181  71.58  11,940 
2030 Fund class R5  1,197  100.00  12,006 
2030 Fund class Y  1,197  10.35  12,006 
2025 Fund class C  1,066  18.90  10,575 
2025 Fund class R  1,075  100.00  10,704 
2025 Fund class R3  1,083  100.00  10,795 
2025 Fund class R4  1,093  9.80  10,886 
2025 Fund class R5  1,098  100.00  10,943 
2025 Fund class Y  1,098  20.03  10,947 
Maturity Fund class C  1,042  99.71  10,337 
Maturity Fund class R  1,049  100.00  10,488 
Maturity Fund class R3  1,053  100.00  10,575 
Maturity Fund class R4  1,056  32.61  10,666 
Maturity Fund class R5  1,058  100.00  10,717 
Maturity Fund class Y  1,054  41.41  10,677 

 

At the close of the reporting period, the following funds had shareholders of record that owned the following percentages of the outstanding shares of the fund.

 

2065 Fund  6.3%, 10.8%, 13.7% 
2060 Fund  5.7%, 40.3% 
2055 Fund  5.8%, 31.0% 
2050 Fund  9.9%, 37.4% 
2045 Fund  10.2%, 36.9% 
2040 Fund  6.3%, 6.3%, 12.9%, 33.7% 
2035 Fund  16.9%, 33.2% 
2030 Fund  7.9%, 8.9%, 11.2%, 11.7%, 23.7% 
2025 Fund  5.2%, 5.2%, 7.0%, 7.3%, 13.0%, 25.3% 
Maturity Fund  5.0%, 5.2%, 5.2%, 6.0%, 16.6%, 28.2% 

 

96 Retirement Advantage Funds 

 


 

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Retirement Advantage Funds 97 

 


 

Note 5: Affiliated transactions

Transactions during the reporting period with any company which is under common ownership or control, or involving securities of companies in which a fund owned at least 5% of the outstanding voting securities, were as follows:

2065 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Dynamic Asset Allocation                   
Equity Fund Class P  $408,721  $148,570  $61,715  $2,541  $6,532  $(11,715)  $70,661  40,924  $554,522 
Putnam Dynamic Asset Allocation                   
Growth Fund Class P  112,303  45,247  17,116  3,350  2,286  (1,458)  12,415  7,784  151,391 
Putnam Short Term Investment Fund                   
Class G  2,529  1,643  964  74        3,208  3,208 
Totals  $523,553  $195,460  $79,795  $5,965  $8,818  $(13,173)  $83,076    $709,121 

 

2060 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Dynamic Asset Allocation                   
Equity Fund Class P  $1,726,544  $552,676  $218,542  $10,976  $28,342  $(43,043)  $302,800  171,250  $2,320,435 
Putnam Dynamic Asset Allocation                   
Growth Fund Class P  778,602  345,183  75,919  25,148  17,161  (8,277)  95,247  58,346  1,134,836 
Putnam Short Term Investment Fund                   
Class G  12,924  6,993  3,005  397        16,912  16,912 
Totals  $2,518,070  $904,852  $297,466  $36,521  $45,503  $(51,320)  $398,047    $3,472,183 

 

2055 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Dynamic Asset Allocation                   
Equity Fund Class P  $1,817,128  $526,246  $299,957  $11,007  $28,420  $(72,060)  $329,949  169,838  $2,301,306 
Putnam Dynamic Asset Allocation                   
Growth Fund Class P  2,064,403  818,181  228,892  63,878  43,591  (15,232)  235,596  147,766  2,874,056 
Putnam Short Term Investment Fund                   
Class G  20,396  10,178  4,744  610        25,830  25,830 
Totals  $3,901,927  $1,354,605  $533,593  $75,495  $72,011  $(87,292)  $565,545    $5,201,192 

 

98 Retirement Advantage Funds  Retirement Advantage Funds 99 

 


 

2050 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Dynamic Asset Allocation                   
Equity Fund Class P  $1,310,231  $251,484  $301,731  $7,473  $19,296  ($58,722)  $224,388  105,214  $1,425,650 
Putnam Dynamic Asset Allocation                   
Growth Fund Class P  4,759,673  1,272,621  607,352  140,673  95,992  (93,488)  555,994  302,697  5,887,448 
Putnam Short Term Investment Fund                   
Class G  38,213  21,842  9,061  1,160        50,994  50,994 
Totals  $6,108,117  $1,545,947  $918,144  $149,306  $115,288  $(152,210)  $780,382    $7,364,092 

 

2045 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Dynamic Asset Allocation                   
Balanced Fund Class P  $60,568  $80,367  $9,003  $875  $1,495  $499  $10,544  8,964  $142,975 
Putnam Dynamic Asset Allocation                   
Equity Fund Class P  142,078  8,967  152,292  417  1,077  5,310  (4,063)     
Putnam Dynamic Asset Allocation                   
Growth Fund Class P  9,719,555  1,963,449  923,419  277,571  189,408  (84,365)  989,202  599,713  11,664,422 
Putnam Short Term Investment Fund                   
Class G  195,351  71,623  21,418  5,905        245,556  245,556 
Totals  $10,117,552  $2,124,406  $1,106,132  $284,768  $191,980  $(78,556)  $995,683    $12,052,953 

 

2040 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Dynamic Asset Allocation                   
Balanced Fund Class P  $3,322,039  $1,364,230  $315,960  $41,013  $63,825  $(45,873)  $432,985  298,271  $4,757,421 
Putnam Dynamic Asset Allocation                   
Growth Fund Class P  6,878,756  1,716,695  1,112,283  206,649  141,028  (199,729)  851,839  418,266  8,135,278 
Putnam Short Term Investment Fund                   
Class G  329,785  127,395  44,382  10,033        412,798  412,798 
Totals  $10,530,580  $3,208,320  $1,472,625  $257,695  $204,853  $(245,602)  $1,284,824    $13,305,497 

 

2035 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Dynamic Asset Allocation                   
Balanced Fund Class P  $13,256,924  $3,103,341  $2,628,543  $148,851  $216,941  $(527,210)  $1,768,807  938,766  $14,973,319 
Putnam Dynamic Asset Allocation                   
Growth Fund Class P  2,177,071  310,325  1,266,905  46,823  31,951  28,526  77,685  68,211  1,326,702 
Putnam Short Term Investment Fund                   
Class G  665,576  188,934  143,046  18,413        711,464  711,464 
Totals  $16,099,571  $3,602,600  $4,038,494  $214,087  $248,892  $(498,684)  $1,846,492    $17,011,485 

 

100 Retirement Advantage Funds  Retirement Advantage Funds 101 

 


 

2030 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Multi-Asset Income Fund                   
Class P  $1,764,070  $671,312  $314,738  $42,249  $—  $(39,472)  $163,481  219,633  $2,244,653 
Putnam Dynamic Asset Allocation                   
Balanced Fund Class P  7,417,011  1,697,007  2,279,604  84,410  123,757  (339,079)  998,311  469,821  7,493,646 
Putnam Dynamic Asset Allocation                   
Conservative Fund Class P  4,626,049  2,036,115  850,770  78,098    (131,493)  533,099  598,555  6,213,000 
Putnam Short Term Investment Fund                   
Class G  795,705  282,232  163,032  23,694        914,905  914,905 
Totals  $14,602,835  $4,686,666  $3,608,144  $228,451  $123,757  $(510,044)  $1,694,891    $16,866,204 

 

2025 Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Multi-Asset Income Fund                   
Class P  $6,486,816  $3,335,071  $1,486,259  $163,177  $—  $(122,774)  $600,742  862,387  $8,813,596 
Putnam Dynamic Asset Allocation                   
Balanced Fund Class P  892,198  177,270  316,771  10,067  14,167  (24,450)  95,991  51,676  824,238 
Putnam Dynamic Asset Allocation                   
Conservative Fund Class P  4,385,468  730,461  2,385,989  50,498    (266,399)  487,417  284,293  2,950,958 
Putnam Short Term Investment Fund                   
Class G  758,300  218,339  177,121  21,593        799,518  799,518 
Totals  $12,522,782  $4,461,141  $4,366,140  $245,335  $14,167  $(413,623)  $1,184,150    $13,388,310 

 

Maturity Fund

              Change in     
              unrealized  Shares   
  Fair value  Purchase  Sale  Investment  Capital gain  Realized  appreciation  outstanding  Fair value 
Affiliates  as of 8/31/23  cost  proceeds  income  distributions  gain (loss)  (depreciation)  as of 2/29/24  as of 2/29/24 
Putnam Multi-Asset Income Fund                   
Class P  $11,946,524  $2,703,847  $2,454,025  $264,008  $—  $(292,029)  $1,106,538  1,273,078  $13,010,855 
Putnam Short Term Investment Fund                   
Class G  768,224  238,715  179,450  22,471        827,489  827,489 
Totals  $12,714,748  $2,942,562  $2,633,475  $286,479  $—  $(292,029)  $1,106,538    $13,838,344 

 

Note 6: Market, credit and other risks

In the normal course of business, the underlying Putnam Funds trade financial instruments and enter into financial transactions where risk of potential loss exists due to changes in the market (market risk) or failure of the contracting party to the transaction to perform (credit risk). The underlying Putnam Funds may be exposed to additional credit risk that an institution or other entity with which the fund has unsettled or open transactions will default. The underlying Putnam Funds may invest in foreign securities that involve certain risks, including those related to economic instability, unfavorable political developments, and currency fluctuations. The financial statements of the underlying Putnam Funds contain additional information about the expenses and investments of the underlying Putnam Funds and are available upon request.

102 Retirement Advantage Funds  Retirement Advantage Funds 103 

 


 

Shareholder meeting results (Unaudited)

October 20, 2023 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2065 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
26,648     

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2065 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
26,648     

 

All tabulations are rounded to the nearest whole number.

November 17, 2023 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2035 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
743,288  24,873  73,939 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2035 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
743,288  24,873  73,939 

 

All tabulations are rounded to the nearest whole number.

November 17, 2023 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2030 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
690,026  22,725  52,997 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2030 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
690,026  22,725  52,997 

 

All tabulations are rounded to the nearest whole number.

104 Retirement Advantage Funds 

 


 

Shareholder meeting results cont.

January 31, 2024 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2055 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
142,189  23,413  14,727 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2055 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
139,882  23,413  17,034 

 

All tabulations are rounded to the nearest whole number.

January 31, 2024 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2025 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
533,019  107,480  67,383 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2025 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
533,019  107,480  67,383 

 

All tabulations are rounded to the nearest whole number.

January 31, 2024 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage Maturity Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
610,277  47  185,737 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage Maturity Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
610,277  47  185,737 

 

All tabulations are rounded to the nearest whole number.

Retirement Advantage Funds 105 

 


 

Shareholder meeting results cont.

February 14, 2024 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2060 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
193,460  8,174  3,327 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2060 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
193,460  8,174  3,327 

 

All tabulations are rounded to the nearest whole number.

February 14, 2024 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2050 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
445,997    27,764 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2050 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
445,997    27,764 

 

All tabulations are rounded to the nearest whole number.

February 14, 2024 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2045 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
693,350  23,479  68,620 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2045 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
693,350  23,479  68,620 

 

All tabulations are rounded to the nearest whole number.

106 Retirement Advantage Funds 

 


 

Shareholder meeting results cont.

February 14, 2024 special meeting

At the meeting, a new Management Contract for Putnam Retirement Advantage 2040 Fund with Putnam Investment Management, LLC was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
808,019  1,476  40,654 

 

At the meeting, a new Sub-Management Contract for Putnam Retirement Advantage 2040 Fund between Putnam Investment Management, LLC and Putnam Investments Limited was approved, as follows:

Votes for  Votes against  Abstentions/Votes withheld 
808,019  1,476  40,654 

 

All tabulations are rounded to the nearest whole number.

Retirement Advantage Funds 107 

 


 

Fund information

Investment Manager  Trustees  Jonathan S. Horwitz 
Putnam Investment  Kenneth R. Leibler, Chair  Executive Vice President, 
Management, LLC  Barbara M. Baumann, Vice Chair  Principal Executive Officer, 
100 Federal Street  Liaquat Ahamed  and Compliance Liaison 
Boston, MA 02110  Katinka Domotorffy   
  Catharine Bond Hill  Kelley Hunt 
Investment Sub-Advisor  Jennifer Williams Murphy  AML Compliance Officer 
Putnam Investments Limited  Marie Pillai   
16 St James’s Street  George Putnam III  Martin Lemaire 
London, England SW1A 1ER  Robert L. Reynolds  Vice President and 
  Manoj P. Singh  Derivatives Risk Manager 
Marketing Services  Mona K. Sutphen   
Putnam Retail Management  Jane E. Trust  Alan G. McCormack 
Limited Partnership    Vice President and 
100 Federal Street  Officers  Derivatives Risk Manager 
Boston, MA 02110  Robert L. Reynolds   
  President, The Putnam Funds  Denere P. Poulack 
Custodian    Assistant Vice President, 
State Street Bank  Kevin R. Blatchford  Assistant Clerk, and 
and Trust Company  Vice President and  Assistant Treasurer 
  Assistant Treasurer   
Legal Counsel    Janet C. Smith 
Ropes & Gray LLP  James F. Clark  Vice President, 
  Vice President and  Principal Financial Officer, 
  Chief Compliance Officer  Principal Accounting Officer, 
    and Assistant Treasurer 
  Michael J. Higgins   
  Vice President, Treasurer,  Stephen J. Tate 
  and Clerk  Vice President and 
    Chief Legal Officer 

 

This report is for the information of shareholders of Putnam Retirement Advantage Funds. It may also be used as sales literature when preceded or accompanied by the current prospectus, the most recent copy of the fund’s Quarterly Performance Summary, and the fund’s Quarterly Ranking Summary. For more recent performance, please visit putnam.com or franklintempleton.com. Investors should carefully consider the investment objectives, risks, charges, and expenses of a fund, which are described in its prospectus. For this and other information or to request a prospectus or summary prospectus, call 1-800-225-1581 toll free. Please read the prospectus carefully before investing. The fund’s Statement of Additional Information contains additional information about the fund’s Trustees and is available without charge upon request by calling 1-800-225-1581.


 

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Item 2. Code of Ethics:
Not applicable

Item 3. Audit Committee Financial Expert:
Not applicable

Item 4. Principal Accountant Fees and Services:
Not applicable

Item 5. Audit Committee of Listed Registrants
Not applicable

Item 6. Schedule of Investments:
The registrant’s schedule of investments in unaffiliated issuers is included in the report to shareholders in Item 1 above.

Item 7. Disclosure of Proxy Voting Policies and Procedures For Closed-End Management Investment Companies:
Not applicable

Item 8. Portfolio Managers of Closed-End Investment Companies
Not Applicable

Item 9. Purchases of Equity Securities by Closed-End Management Investment Companies and Affiliated Purchasers:
Not applicable

Item 10. Submission of Matters to a Vote of Security Holders:
Not applicable

Item 11. Controls and Procedures:
(a) The registrant’s principal executive officer and principal financial officer have concluded, based on their evaluation of the effectiveness of the design and operation of the registrant’s disclosure controls and procedures as of a date within 90 days of the filing date of this report, that the design and operation of such procedures are generally effective to provide reasonable assurance that information required to be disclosed by the registrant in this report is recorded, processed, summarized and reported within the time periods specified in the Commission’s rules and forms.

(b) Changes in internal control over financial reporting: Not applicable

Item 12. Disclosures of Securities Lending Activities for Closed-End Investment Companies:
Not Applicable

Item 13. Recovery of Erroneously Awarded Compensation.
Not Applicable

Item 14. Exhibits:
(a)(1) Not applicable

(a)(2) Not applicable

(a)(3) Separate certifications for the principal executive officer and principal financial officer of the registrant as required by Rule 30a-2(a) under the Investment Company Act of 1940, as amended, are filed herewith.

(b) The certifications required by Rule 30a-2(b) under the Investment Company Act of 1940, as amended, are filed herewith.

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934 and the Investment Company Act of 1940, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Putnam Target Date Funds
By (Signature and Title):
/s/ Janet C. Smith
Janet C. Smith
Principal Accounting Officer

Date: April 25, 2024
Pursuant to the requirements of the Securities Exchange Act of 1934 and the Investment Company Act of 1940, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

By (Signature and Title):
/s/ Jonathan S. Horwitz
Jonathan S. Horwitz
Principal Executive Officer

Date: April 25, 2024
By (Signature and Title):
/s/ Janet C. Smith
Janet C. Smith
Principal Financial Officer

Date: April 25, 2024
EX-99.CERT 2 b_uv4certifications.htm CERTIFICATIONS b_uv4certifications.htm

Certifications

I, Jonathan S. Horwitz, the Principal Executive Officer of the funds listed on Attachment A, certify that:

1. I have reviewed each report on Form N-CSR of the funds listed on Attachment A:

2. Based on my knowledge, each report does not contain any untrue statements of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by each report;

3. Based on my knowledge, the financial statements, and other financial information included in each report, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods presented in each report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Rule 30a-3(c) under the Investment Company Act of 1940) and internal control over financial reporting (as defined in Rule 30a-3(d) under the Investment Company Act of 1940) for the registrant and have:

a) designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which each report is being prepared;

b) designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of a date within 90 days prior to the filing date of each report based on such evaluation; and

d) disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the period covered by the registrant’s report that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed to each registrant’s auditors and the audit committee of each registrant’s board of directors (or persons performing the equivalent functions):

a) all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect each registrant’s ability to record, process, summarize, and report financial information; and

b) any fraud, whether or not material, that involves management or other employees who have a significant role in each registrant’s internal control over financial reporting.

Date: April 25, 2024

/s/ Jonathan S. Horwitz
_______________________
Jonathan S. Horwitz
Principal Executive Officer














Certifications

I, Janet C. Smith, the Principal Financial Officer of the funds listed on Attachment A, certify that:

1. I have reviewed each report on Form N-CSR of the funds listed on Attachment A:

2. Based on my knowledge, each report does not contain any untrue statements of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by each report;

3. Based on my knowledge, the financial statements, and other financial information included in each report, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods presented in each report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Rule 30a-3(c) under the Investment Company Act of 1940) and internal control over financial reporting (as defined in Rule 30a-3(d) under the Investment Company Act of 1940) for the registrant and have:

a) designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which each report is being prepared;

b) designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of a date within 90 days prior to the filing date of each report based on such evaluation; and

d) disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the period covered by the registrant’s report that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed to each registrant’s auditors and the audit committee of each registrant’s board of directors (or persons performing the equivalent functions):

a) all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect each registrant’s ability to record, process, summarize, and report financial information; and

b) any fraud, whether or not material, that involves management or other employees who have a significant role in each registrant’s internal control over financial reporting.

Date: April 25, 2024

/s/ Janet C. Smith
_______________________
Janet C. Smith
Principal Financial Officer















Attachment A

Period (s) ended February 29, 2024

               Putnam Emerging Markets Equity Fund
               Putnam Floating Rate Income Fund
               Putnam Focused Equity Fund
               Putnam Focused Large Cap Growth ETF
               Putnam Focused Large Cap Value ETF
               Putnam Global Health Care Fund
               Putnam Global Technology Fund
               Putnam International Capital Opportunities Fund
               Putnam Multi-Asset Income Fund
               Putnam Retirement Advantage Fund 2065
               Putnam Retirement Advantage Fund 2060
               Putnam Retirement Advantage Fund 2055
               Putnam Retirement Advantage Fund 2050
               Putnam Retirement Advantage Fund 2045
               Putnam Retirement Advantage Fund 2040
               Putnam Retirement Advantage Fund 2035
               Putnam Retirement Advantage Fund 2030
               Putnam Retirement Advantage Fund 2025
               Putnam Retirement Advantage Maturity Fund
               Putnam Small Cap Value Fund
               Putnam Sustainable Future ETF
               Putnam Sustainable Leaders ETF
EX-99.906 CERT 3 c_uv4noscertification.htm 906 CERTIFICATIONS c_uv4noscertification.htm

Section 906 Certifications

I, Jonathan S. Horwitz, the Principal Executive Officer of the Funds listed on Attachment A, certify that, to my knowledge:

1. The form N-CSR of the Funds listed on Attachment A for the period ended February 29, 2024 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

2. The information contained in the Form N-CSR of the Funds listed on Attachment A for the period ended February 29, 2024 fairly presents, in all material respects, the financial condition and results of operations of the Funds listed on Attachment A.

Date: April 25, 2024

/s/ Jonathan S. Horwitz
______________________
Jonathan S. Horwitz
Principal Executive Officer














Section 906 Certifications

I, Janet C. Smith, the Principal Financial Officer of the Funds listed on Attachment A, certify that, to my knowledge:

1. The form N-CSR of the Funds listed on Attachment A for the period ended February 29, 2024 fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

2. The information contained in the Form N-CSR of the Funds listed on Attachment A for the period ended February 29, 2024 fairly presents, in all material respects, the financial condition and results of operations of the Funds listed on Attachment A.

Date: April 25, 2024

/s/ Janet C. Smith
______________________
Janet C. Smith
Principal Financial Officer















Attachment A

Period (s) ended February 29, 2024

               Putnam Emerging Markets Equity Fund
               Putnam Floating Rate Income Fund
               Putnam Focused Equity Fund
               Putnam Focused Large Cap Growth ETF
               Putnam Focused Large Cap Value ETF
               Putnam Global Health Care Fund
               Putnam Global Technology Fund
               Putnam International Capital Opportunities Fund
               Putnam Multi-Asset Income Fund
               Putnam Retirement Advantage Fund 2065
               Putnam Retirement Advantage Fund 2060
               Putnam Retirement Advantage Fund 2055
               Putnam Retirement Advantage Fund 2050
               Putnam Retirement Advantage Fund 2045
               Putnam Retirement Advantage Fund 2040
               Putnam Retirement Advantage Fund 2035
               Putnam Retirement Advantage Fund 2030
               Putnam Retirement Advantage Fund 2025
               Putnam Retirement Advantage Maturity Fund
               Putnam Small Cap Value Fund
               Putnam Sustainable Future ETF
               Putnam Sustainable Leaders ETF
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