About JPMorgan SmartRetirement 2050 Fund Class I (JTSSX) — Dividend Analysis 2026
The investment seeks high total return with a shift to current income and some capital appreciation over time as the fund approaches and passes the target retirement date. The fund is generally intended for investors who plan to retire around the year 2050 and then withdraw their investment in the fund throughout retirement. It is designed to provide exposure to equity, fixed income and cash/cash equivalent asset classes by investing in mutual funds and ETFs within the same group of investment companies, passive ETFs that are managed by unaffiliated investment advisers in certain limited instances and/or direct investments in other financial instruments.
Is JTSSX a good dividend investment in 2026?
JTSSX offers a 5.41% forward yield with a 50% payout ratio. Strand Safety Score: 55/100 (Moderate Risk). The 5-year dividend CAGR of 100% demonstrates strong, consistent growth that outpaces inflation.
JTSSX DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your JTSSX portfolio grows to $19.51M vs $1.41M without reinvestment. This is the compound interest effect in action.
JTSSX dividend growth history & forecast
JTSSX has grown its dividend by 0% over the last year and 100% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 5.41%.
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum+47.8B → +35.9B → +46.5B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
55
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 JTSSX Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold JTSSX.
Gross yield
5.41%
Tax rate
15.00%
After-tax yield
4.60%
Real yield (−CPI)
1.80%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
5.41%
2.61%
$541 / yr
🇺🇸 US Taxable (15%) ✓
15%
4.60%
1.80%
$460 / yr
🇺🇸 US Taxable (20%)
20%
4.33%
1.53%
$433 / yr
🇬🇧 UK ISA
0%
5.41%
2.61%
$541 / yr
🇬🇧 UK Taxable
8.75%
4.94%
2.14%
$494 / yr
🇨🇦 TFSA
0%
5.41%
2.61%
$541 / yr
🇨🇦 CA Taxable
25%
4.06%
1.26%
$406 / yr
🇦🇺 Super (pension)
15%
4.60%
1.80%
$460 / yr
🇦🇺 AU Taxable
30%
3.79%
0.99%
$379 / yr
🇩🇪 DE Taxable
26.375%
3.98%
1.18%
$398 / yr
🇫🇷 FR Taxable
30%
3.79%
0.99%
$379 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 JTSSX Income Goal & Break-Even
Dividend Break-Even
5yr
Years for dividends to fully repay your JTSSX investment of $24.12/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$9.84M
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$9.83M
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in JTSSX for:
Shares needed
21,631
Capital required
$521,740
Monthly income
$2,000
Based on current dividend of $1.31/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 JTSSX Dividend Payment Schedule
JTSSX pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$2.77 / payment
$11.10 / year after tax
100 shares
$27.74 / payment
$110.96 / year after tax
1,000 shares
$277.39 / payment
$1109.56 / year after tax
📊 JTSSX vs Financial Services Benchmarks
How JTSSX compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+2.51% vs sectorBetter
JTSSX
5.41%
avg
2.90%
5Y Dividend CAGR▲+92.90% vs sectorBetter
JTSSX
100.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
JTSSX
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for JTSSX sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ JTSSX Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.28
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
5/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the JTSSX dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →