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Equity funds

Share Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semi-Annual Report	Annual Financial Statements and Additional Information	Semi-Annual Financial Statements and Additional Information	Q1 holdings¹	Q3 holdings¹	Proxy Voting

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Fixed-income funds

Share Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semi-Annual Report	Annual Financial Statements and Additional Information	Semi-Annual Financial Statements and Additional Information	Q1 holdings¹	Q3 holdings¹	Proxy Voting

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Allocation funds

Share Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semi-Annual Report	Annual Financial Statements and Additional Information	Semi-Annual Financial Statements and Additional Information	Q1 holdings¹	Q3 holdings¹	Proxy Voting

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Multi-asset funds

Share Class	Summary Prospectus	Prospectus	Statement of Additional Information	Annual Report	Semi-Annual Report	Annual Financial Statements and Additional Information	Semi-Annual Financial Statements and Additional Information	Q1 holdings¹	Q3 holdings¹	Proxy Voting

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¹Quarter holdings are based on the fiscal year

Applications & forms

Account applications	Account Forms
A shares
I shares
R shares

Fund resources

Fund	Fact sheet	Fund profile	Q&A	Quarterly commentary
Equity funds
1290 Avantis^® U.S. Large Cap Growth Fund
1290 Essex Small Cap Growth Fund
1290 GAMCO Small/Mid Cap Value Fund
1290 SmartBeta Equity Fund
Fixed-income funds
1290 High Yield Bond Fund
1290 Diversified Bond Fund
Allocation funds
1290 Retirement Funds
Multi-Asset funds
1290 Loomis Sayles Multi-Asset Income Fund
1290 Multi-Alternative Strategies Fund

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Tax information

Fund	Form 8937

Additional Tax Information

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Contact us

Personal investors:
(888) 310-0416

Financial professionals:
(855) 379-9186

To obtain a prospectus:
1290Funds@DFINsolutions.com

Media inquiries:
Equitable US Media Relations
MediaRelations@equitable.com

Financial professionals: contact us for more info

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Prospectus | Sales charges | Definitions

© 2025 1290 Funds^® | 1345 Avenue of the Americas, New York, NY 10105

Important disclosures:

An investor should consider investment objectives, risks, charges and expenses carefully before investing. Click the link to obtain a Prospectus which contains this and other information, or call 888-310-0416. Read the Prospectus carefully before investing.

Equitable Investment Management, LLC (EIM LLC) is the investment adviser to the 1290 Funds^® an indirect, wholly-owned subsidiary of Equitable Holdings, Inc. Equitable Distributors, LLC is the wholesale distributor of 1290 Funds^®. Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN), offers 1290 Funds^® to investors. Equitable Advisors is the brand name of Equitable Advisors, LLC. EIM LLC is an affiliate of Equitable Advisors. 1290 Funds^® is part of the same fund complex that includes the EQ Advisors Trust, for which Equitable Investment Management Group, LLC (EIMG), an affiliate of EIM LLC, serves as the investment adviser. EIMG is a wholly-owned subsidiary of Equitable Financial and like EIM LLC, EIMG is an indirect, wholly owned subsidiary of Equitable Holdings, Inc. EIM LLC and EIMG are affiliates of Equitable Advisors. References to “Equitable Investment Management” include EIMG and EIM LLC, unless otherwise stated.

1290 Funds^® is a registered service mark of Equitable Investment Management Group, LLC. The 1290 Funds^® are not suitable for all investors. Subject to investment risks, including possible loss of the principal amount invested.

1290 Funds are subject to several risk factors which are explained in more detail on the individual fund page(s). For a complete list of risks, please view the prospectus.

The 1290 Funds^® offer several ways for investors to reduce or eliminate sales charges. A brief summary of some of the ways is explained by clicking here. For more details, read your Fund's Statement of Additional Information or speak with your financial advisor.

Diversification does not eliminate the risk of experiencing losses.

Fund's performance does not guarantee future results.

Mutual funds, annuities, and other investments are not insured or guaranteed by the FDIC or by any other government agency or government sponsored agency of the federal government or any state, not deposits, obligations, or guaranteed by any bank or its affiliates and are subject to investment risks, including possible loss of the principal amount invested.

1290 Funds^® is distributed by ALPS Distributors, Inc., 1290 Broadway, Suite 1000, Denver, CO 80203, which is not affiliated with Equitable Investment Management Group, LLC; Equitable Financial Life Insurance Company; Equitable Distributors, LLC; Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN); American Century Investment Management, Inc. or its division Avantis^® Investors; AXA Investment Managers U.S., Inc.; Brandywine Global Investment Management, LLC; GAMCO Asset Management Inc.; Essex Investment Management, LLC; or Loomis, Sayles & Company, L.P.

ALPS, an SS&C Company, 1290 Broadway, Suite 1000, Denver CO 80203.

Legal Disclosures and Terms of Use:

Please read the following Terms and Conditions of Use (“Agreement”) carefully before using our website. This Agreement sets forth the legally binding terms and conditions for your use of the website owned and operated by the 1290 Funds, and any other features, content, or applications offered from time to time on the website. By viewing or otherwise using the website, you agree to be bound by this Agreement and all of the terms outlined below. 1290 Funds offers the website subject to acceptance without modification of (a) all of the terms and conditions contained in this Agreement, (b) all other operating rules, policies and procedures that may be published from time to time on the website by 1290 Funds and (c) all additional terms and conditions that may be promulgated by 1290 Funds from time to time, which are all incorporated into this Agreement by this reference. 1290 Funds may, in its sole discretion, refuse to offer any portion of or all of the website to any person at any time. This paragraph is void where prohibited by law and the right to access the website is revoked in such jurisdictions. This Agreement applies exclusively to your access to, interaction with, and use of, the website and does not alter in any way the terms or conditions of any other agreement you might have with 1290 Funds for certain products or services, or otherwise.

Do Not Rely on Website for Financial Decisions

The website does not, and is not intended to, provide any financial, investment, retirement planning, insurance, legal, accounting, or tax advice, except where specifically stated. The website should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing on the website constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements.

Website Does Not Offer Advice

Nothing contained within this website should be construed as investment, insurance, securities, tax or legal advice, and you agree that this website will not be used by you for these purposes. The website does not contain any advice as to the value of securities or as to the advisability of investing in, purchasing, or selling securities or insurance products. Decisions based on information contained in this website are the sole responsibility of the user. The information contained in this website is not an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service.

Disclaimer

The website is provided on an “as is” and “as available” basis. You acknowledge and agree that to the full extent permitted under applicable law, 1290 Funds and its affiliates, subsidiaries, directors, officers, employees, agents, licensors, and any third-party information providers and vendors expressly disclaim all warranties, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and all warranties regarding security, currency, correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability, with respect to (1) the website; (2) any materials, products or services available on or through the website; (3) use of the website, materials, products, or services; and (4) the results of the use of the website, materials, products, or services.

Further, 1290 Funds and its affiliates, subsidiaries, directors, officers, employees, agents, licensors, and any third-party information providers and vendors expressly disclaim all warranties with respect to any delays or errors in the transmission or delivery of any materials, products, or services available through this website.

Except as provided by law, neither 1290 Funds nor its third-party information providers and vendors has any responsibility to maintain the materials, products, or services offered on the website or to supply corrections, updates, or releases for the same.

Some states do not allow the disclaimer of certain warranties, so the foregoing disclaimers may not apply to you.

Reference to any products, services, processes, or other information, by trade name, trademark, manufacturer, or supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by 1290 Funds.

Limitation of Liability

You acknowledge and agree that neither 1290 Funds, nor its affiliates, subsidiaries or their licensors, service providers, employees, agents, officers or directors will be liable, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages, including, but not limited to, damages for loss of profits, revenue, income, goodwill, use, data, or other intangible losses, or damages caused by theft, unauthorized access, systems failure, or communications line failure, or the cost of procuring substitute goods or services, caused by the use of or inability to use the website, materials or any products or services provided herein, or any other matter relating to this website, even if 1290 Funds has been advised of the possibility of such damages. Any materials downloaded or otherwise obtained through this website are done at your own risk. You are solely responsible for any damage to your computer system of other equipment, or loss of data that results from such download. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, therefore 1290 Funds, and its affiliates, subsidiaries, directors, officers, employees, agents, licensors, and any third-party information providers and vendors shall have limited liability to the extent permitted by law in such jurisdictions. Federal and state securities laws impose liabilities under certain circumstances on persons who act in good faith and the foregoing does not affect any liability that cannot be excluded under applicable law.

Indemnification

You acknowledge and agree to defend, indemnify and hold harmless 1290 Funds, its affiliates, and all of its and their officers, directors, agents, suppliers, and licensors from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to (a) your improper access to or use of any of the website or any content on or linked to from the website, including, but not limited to, any claim by a third party and/or (b) your breach of this Agreement. 1290 Funds reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with 1290 Funds in asserting any available defenses.

Jurisdiction

Nothing on this website should be considered a solicitation to provide investment management services or an offer of investment products in any jurisdiction outside the United States or in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such foreign jurisdiction or the United States. The information on this website or any linked third-party websites is for informational purposes only and is subject to change without notice. Products and services described on this website may not be suitable for all users. The contents hereof do not constitute an offer or a solicitation to buy or sell any financial instrument, product, or service.

FURTHERMORE, THE CONTENTS HEREOF ARE NOT INTENDED FOR ACCESS BY, DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH ACCESS, DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. Not all products and services mentioned on this website or at any linked third-party sites are available in all jurisdictions. The 1290 Funds are offered for sale only in the United States (including Puerto Rico, U.S. Virgin Islands and the District of Columbia). Equitable Investment Management, LLC (EIM LLC), the investment adviser of 1290 Funds, provides investment management services only in the United States. EIM LLC is not registered to provide services in any other country or location other than the United States.

Fund gross total annual operating expense ratios:

1290 Avantis® U.S. Large Cap Growth Fund
Class A -
Class I -
1290 Essex Small Cap Growth Fund
Class A -
Class I -
Class R -
1290 GAMCO Small/Mid Cap Value Fund
Class A -
Class I -
Class R -
1290 SmartBeta Equity Fund
Class A -
Class I -
Class R -
1290 High Yield Bond Fund
Class A -
Class I -
Class R -
1290 Diversified Bond Fund
Class A -
Class I -
Class R -
1290 Loomis Sayles Multi-Asset Income Fund
Class A -
Class I -
Class R -

1290 Multi-Alternative Strategies Fund
Class A -
Class I -
Class R -
1290 Retirement 2020 Fund
Class I -
1290 Retirement 2025 Fund
Class I -
1290 Retirement 2030 Fund
Class I -
1290 Retirement 2035 Fund
Class I -
1290 Retirement 2040 Fund
Class I -
1290 Retirement 2045 Fund
Class I -
1290 Retirement 2050 Fund
Class I -
1290 Retirement 2055 Fund
Class I -

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