PepsiCo

INVESTING YOUR CONTRIBUTIONS

You can choose how to invest your Savings Plan account balance. The Savings Plan offers a few different investment options:

OPTION 1: PRE-PACKAGED
These are known as "Target Date Funds." A Target Date Fund is a mutual fund where a professional investment firm manages the fund for you. You select the fund with the year closest to the one in which you plan to retire. 100% of your contributions will be invested in that fund. The fund will automatically adjust your portfolio mix over time, as you get closer to retirement. The Target Date Fund is also the Savings Plan's default investment.

Target Date Funds allow you to do three things:

  1. Have a portfolio that was built by a team of professional money managers.
  2. Help you to diversify your investments.
  3. Help you invest in a way that's appropriate for the amount of time you have until you reach your goal. As you get closer to your goal, the fund becomes more conservative (for example, less exposure to stocks).

CONSIDER IF:

OPTION 2: PICK-YOUR-OWN MIX
With the "pick-your-own mix" option, you have the opportunity to choose from many core funds and several target date funds to get to the asset mix that is right for you.

CONSIDER IF:

OPTION 3: SELF-DIRECTED
For experienced investors, there is a BrokerageLink® option that allows you to invest in a wider variety of stocks and mutual funds. This is a self-directed brokerage account with no PepsiCo oversight. Additional fees apply.

CONSIDER IF:

To view and/or change your investment elections, log on to netbenefits.com/pepsico and select Quick Links on the Savings Plan tile, then Change Investments.

For help determining which strategy may be best for you, reach out to a Healthy Money counselor at 1-866-737-7498 or email: us_financial.coaching@pwc.com

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Total Rewards

This guide is intended to provide a summary of some of the features of the PepsiCo Savings Plan; however the official plan documents remain the final authority and, in the event of a conflict with this guide, will govern in all cases. While PepsiCo, Inc. (Company) currently intends to continue the Savings Plans and programs described herein, the Company reserves the right to amend, modify or terminate the Savings Plans or programs at any time. Nothing in this guide should be construed as a promise or guarantee of future benefits or any level or amount of benefits, or as a promise or guarantee of employment or future employment for any duration.

January 2023