CCOERA Target Date Funds. Here is an example of how a CCOERA Target Date Fund will change over time. AGGRESSIVE TO CONSERVATIVE. bonds stocks 56% 71%
|
|
- Howard Jackson
- 6 years ago
- Views:
Transcription
1 FOCUS Fact Sheets CCOERA Target Date Funds One fund may be all that s needed. CCOERA Target Date Funds are designed to simplify the way you invest your retirement savings. Simply select one (1) diversified target date fund based upon your projected retirement year. This relieves you of the need to select multiple individual funds and monitor and manage reallocations among those multiple funds. Each target date fund includes investments from the existing CCOERA core funds plus new asset classes, which provide additional diversification.* The date in a target date fund name represents an approximate date when an investor expects to retire. The principal value of the funds is not guaranteed at any time, including on the target date. SNAPSHOT OF TARGET DATE FUND FEATURES DIVERSIFICATION Each target date fund is a well-diversified mix of underlying stock and bond investments. The investment mix becomes more conservative (fewer and more ) as the target date is approached. By choosing a target date fund for retirement savings, you gain the benefit of investment diversification in a single option. AUTOMATIC REALLOCATION Target date funds automatically reduce stock holdings and increase bond holdings over time to ensure the allocation remains on track to help you achieve your long-term investment strategy for your projected retirement year. P ORTFOLIO REBALANCING Target date funds are automatically rebalanced quarterly to ensure they maintain their target asset allocations even as markets may shift. Here is an example of how a CCOERA Target Date Fund will change over time. 36 years old 7% 93% 74 years old AGGRESSIVE TO CONSERVATIVE 29% 56% 71% 44% 21% SAMPLE CCOERA TARGET DATE FUND 79% BONDS STOCKS 30 years to retirement 15 years to retirement Age 66, the year of retirement Age 74 and ongoing thereafter Percentages are subject to change based on the determinations of CCOERA s investment adviser. Empower Retirement is not responsible for the composition of CCOERA Target Date Funds. Please consider the investment objectives, risks, fees and expenses carefully before investing. Additional disclosure documents can be obtained from your plan website. Read them carefully before investing. * Diversification of an investment portfolio does not ensure a profit and does not protect against loss in declining markets. 1 bon stoc
2 CCOERA TDF INCOME Portfolio Investment Management Fees 0.37% CCOERA Book 55.00% Met West Total Return 12.00% PIMCO Yield 2.00% Vanguard Inst 500 Index 2.00% American Beacon Intl Equity 1.50% American Funds EuroPac Growth 1.50% Cohen & Steers Realty 1.00% Dodge & Cox Stock 1.00% Harbor Capital Appreciation 1.00% Vanguard Mid Cap Index 0.67% Artisan Mid Cap Growth 0.67% American Beacon Small Cap 0.33% Vanguard Small Cap Index 0.33% MainStay 7.00% JH Funds Global Absolute Return 5.00% Litman Gregory 5.00% BlackRock Strategic Income Opps. 1.50% JPMorgan Strategic Income Opps. 1.50% DFA Markets Core 1.00% Cap 4 Commodities 8 55% 15% 10% 7% 4% 3% 2% 2% 1% 1% 0% 0% CCOERA TDF 2010 Portfolio Investment Management Fees 0.46% CCOERA Book 45.00% Vanguard Inst 500 Index 4.00% Met West Total Return 4.00% PIMCO Yield 3.00% American Beacon Intl Equity 2.50% American Funds EuroPac Growth 2.50% Dodge & Cox Stock 2.00% Harbor Capital Appreciation 2.00% Artisan Mid Cap Growth 1.00% Vanguard Mid Cap Index 1.00% Cohen & Steers Realty 1.00% American Beacon Small Cap 0.50% Vanguard Small Cap Index 0.50% MainStay 9.00% JH Funds Global Absolute Return 5.00% Litman Gregory 5.00% DFA Markets Core 2.00% BlackRock Strategic Income Opps. 0.50% JPMorgan Strategic Income Opps. 0.50% Commodities 8 Cap 4 45% 10% 9% 8% 5% 5% 5% 4% 3% 3% 2% 1% CCOERA TDF 2015 Portfolio Investment Management Fees 0.47% CCOERA Book 39.00% Vanguard Inst 500 Index 5.50% Met West Total Return 4.00% American Beacon Intl.50% American Funds EuroPac Growth 3.50% PIMCO Yield 3.00% Dodge & Cox Stock 2.75% Harbor Capital Appreciation 2.75% Vanguard Mid Cap Index 1.34% Artisan Mid Cap Growth 1.34% Cohen & Steers Realty 1.00% Vanguard Small Cap Index 0.66% American Beacon Small Cap 0.66% MainStay 9.00% JH Funds Global Absolute Return 4.50% Litman Gregory 4.50% DFA Markets Core 3.00% BlackRock Strategic Income Opps. 0.50% JPMorgan Strategic Income Opps. 0.50% Commodities 8 Cap 4 39% 11% 9% 9% 7% 5% 5% 4% 4% 3% 3% 1% 2 AM
3 CCOERA TDF 2020 Portfolio Investment Management Fees 0.52% CCOERA Book 26.00% Vanguard Inst 500 Index 7.50% Met West Total Return 7.20% American Beacon Intl Equity 4.50% American Funds EuroPac Growth 4.50% Dodge & Cox Stock 3.75% Harbor Capital Appreciation 3.75% PIMCO Yield 3.00% Vanguard Mid Cap Index 2.00% Artisan Mid Cap Growth 2.00% Cohen & Steers Realty 2.00% Vanguard Small Cap Index 1.00% American Beacon Small Cap 1.00% MainStay 9.00% DFA Markets Core 4.00% JH Funds Global Absolute Return 4.00% Litman Gregory 4.00% JPMorgan Strategic Income Opps. 0.90% BlackRock Strategic Income Opps. 0.90% Cap 4 Commodities 8 26% 15% 9% 9% 9% 8% 6% 5% 4% 4% 3% 2% CCOERA TDF 2025 Portfolio Investment Management Fees 0.52% CCOERA Book 19.00% Vanguard Inst 500 Index 10.00% American Beacon Intl Equity 6.00% American Funds EuroPac Growth 6.00% Met West Total Return 5.60% Dodge & Cox Stock 5.00% Harbor Capital Appreciation 5.00% Cohen & Steers Realty 3.00% PIMCO Yield 3.00% Vanguard Mid Cap Index 2.68% Artisan Mid Cap Growth 2.68% Vanguard Small Cap Index 1.32% American Beacon Small Cap 1.32% MainStay 9.00% DFA Markets Core 5.00% JH Funds Global Absolute Return 2.50% Litman Gregory 2.50% JPMorgan Strategic Income Opps. 0.70% BlackRock Strategic Income Opps. 0.70% Cap 4 Commodities 8 20% 19% 12% 9% 8% 7% 5% 5% 5% 4% 3% 3% CCOERA TDF 2030 Portfolio Investment Management Fees 0.53% Vanguard Inst 500 Index 12.00% CCOERA Book 12.00% American Beacon Intl Equity 7.50% American Funds EuroPac Growth 7.50% Dodge & Cox Stock 6.00% Harbor Capital Appreciation 6.00% Met West Total Return 4.00% Vanguard Mid Cap Index 3.35% Artisan Mid Cap Growth 3.35% PIMCO Yield 3.00% Cohen & Steers Realty 3.00% Vanguard Small Cap Index 1.65% American Beacon Small Cap 1.65% MainStay 9.00% DFA Markets Core 6.00% JH Funds Global Absolute Return 1.50% Litman Gregory 1.50% JPMorgan Strategic Income Opps. 0.50% BlackRock Strategic Income Opps. 0.50% Cap 4 Commodities 8 24% 15% 12% 10% 9% 6% 5% 5% 5% 3% 3% 3% 3
4 CCOERA TDF 2035 Portfolio Investment Management Fees 0.56% Vanguard Inst 500 Index 13.50% American Beacon Intl Equity 8.50% American Funds EuroPac Growth 8.50% Dodge & Cox Stock 6.75% Harbor Capital Appreciation 6.75% CCOERA Book 6.00% Cohen & Steers Realty 4.00% Vanguard Mid Cap Index 3.69% Artisan Mid Cap Growth 3.69% PIMCO Yield 3.00% Met West Total Return 2.40% Vanguard Small Cap Index 1.81% American Beacon Small Cap 1.81% MainStay 9.00% DFA Markets Core 7.00% JH Funds Global Absolute Return 1.50% Litman Gregory 1.50% JPMorgan Strategic Income Opps. 0.30% BlackRock Strategic Income Opps. 0.30% Cap 4 Commodities 8 27% 17% 11% 9% 7% 6% 5% 5% 4% 3% 3% 3% CCOERA TDF 2040 Portfolio Investment Management Fees 0.53% Vanguard Inst 500 Index 16.50% Dodge & Cox Stock 8.25% Harbor Capital Appreciation 8.25% Cohen & Steers Realty 5.00% Vanguard Mid Cap Index 4.36% Artisan Mid Cap Growth 4.36% CCOERA Book 4.00% Vanguard Small Cap Index 2.15% American Beacon Small Cap 2.15% PIMCO Yield 1.00% DFA Markets Core 8.00% MainStay 4.00% Cap 4 Commodities 8 33% 21% 13% 8% 5% 5% 5% 4% 4% 1% 1% 0% CCOERA TDF 2045 Portfolio Investment Management Fees 0.52% Vanguard Inst 500 Index 17.00% Dodge & Cox Stock 8.50% Harbor Capital Appreciation 8.50% Cohen & Steers Realty 5.00% CCOERA Book 3.00% American Beacon Small Cap 2.31% PIMCO Yield 1.00% DFA Markets Core 8.00% MainStay 3.00% Cap 4 Commodities 8 34% 21% 14% 8% 5% 5% 5% 3% 3% 1% 1% 0% 4
5 CCOERA TDF 2050 Portfolio Investment Management Fees 0.52% Vanguard Inst 500 Index 17.50% Dodge & Cox Stock 8.75% Harbor Capital Appreciation 8.75% Cohen & Steers Realty 4.00% CCOERA Book 3.00% American Beacon Small Cap 2.31% PIMCO Yield 1.00% DFA Markets Core 9.00% MainStay 2.00% Cap 4 Commodities 8 35% 21% 14% 9% 5% 5% 4% 3% 2% 1% 1% 0% CCOERA TDF 2055 Portfolio Investment Management Fees 0.52% Vanguard Inst 500 Index 17.50% Dodge & Cox Stock 8.75% Harbor Capital Appreciation 8.75% Cohen & Steers Realty 4.00% CCOERA Book 3.00% American Beacon Small Cap 2.31% PIMCO Yield 1.00% DFA Markets Core 9.00% MainStay 2.00% Cap 4 Commodities 8 35% 21% 14% 9% 5% 5% 4% 3% 2% 1% 1% 0% CCOERA TDF 2060 Portfolio Investment Management Fees 0.52% Vanguard Inst 500 Index 17.50% American Beacon Intl Equity 11.00% American Funds EuroPac Growth 11.00% Dodge & Cox Stock 8.75% Harbor Capital Appreciation 8.75% Cohen & Steers Realty 5.00% CCOERA Book 3.00% American Beacon Small Cap 2.31% DFA Markets Core 9.00% MainStay 1.00% Cap 4 Commodities 8 35% 22% 14% 9% 5% 5% 5% 3% 1% 1% 0% 0% 5
6 CCOERA TARGET DATE FUNDS (CONT.) Selecting a CCOERA Target Date Fund is easy. You will generally select a target date fund (see table below) based on birth year, age and projected retirement date at age 66. If you do not make an investment election in the CCOERA Plan, you will be enrolled in a target date fund based on data shown on the table below. DATE OF BIRTH PARTICIPANT AGE RANGE EXPECTED RETIREMENT DATE RANGE CCOERA TARGET DATE FUND (TDF) Prior to or older 2007 or before CCOERA TDF Income CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF CCOERA TDF or after 23 or younger 2058 or after CCOERA TDF 2060 Custom Designed by Experienced Investment Professionals Innovest Portfolio Solutions LLC designed CCOERA Target Date Funds with the unique needs of CCOERA s participants in mind. Its investment professionals have applied more than 20 years of investment research experience across the capital markets in designing and maintaining an investment mix that makes sense for you no matter where you are on the retirement-savings path. Questions? Call CCOERA toll free at (800) Visit the website at 1 A bond fund s yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news, and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa. 2 Specialty funds invest in a limited number of companies and are generally non-diversified. As a result, changes in market value of a single issuer could cause greater volatility than with a more diversified fund. 3 Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments. 4 Equity securities of small and mid-size companies may be more volatile than securities of larger, more established companies. 5 Compared to more highly rated securities, high-yield bond investment options are subject to greater risk, including the risk of default. 6 Equity securities of companies located in emerging markets involve greater risks than investments in more established markets, including currency fluctuations, political developments and share lliquidity. 7 Real estate securities and trusts involve greater risks than other non-diversified investments, including but not limited to: declining property values, varying economic conditions, changes in zoning laws or losses from casualty. Real estate securities that invest in foreign real estate involve additional risk, including currency fluctuations and political developments. 8 The value of commodity-linked investments may be affected by financial factors, political developments and natural disasters. As such, investment options that invest primarily in commodities may experience greater volatility than investments in traditional securities. FOR ILLUSTRATIVE PURPOSES ONLY. Asset Allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of /stock funds and /bond funds. Asset allocations as of March 31, The CCOERA Target Date Fund allocations are based on an investment strategy relying on risk and return. This is not intended as financial planning or investment advice. The allocations for the funds are subject to change. Fund data sheets are available at Innovest Portfolio Solutions LLC is not affiliated with Great-West Life & Annuity Insurance Company Great-West Life & Annuity Insurance Company. All rights reserved BRO AM
TARGET FOCUS SAVE Fact Sheets CCOERA TARGET DATE FUNDS. Here is an example of how a CCOERA Target Date Fund will change over time.
FOCUS Fact Sheets CCOERA TARGET DATE FUNDS One fund may be all that s needed The CCOERA Target Date Funds are designed to simplify the way you invest your retirement savings. Simply select one (1) diversified
More informationCCOERA Target Date Funds
CCOERA Target Date Funds Fact Sheets One fund may be all that s needed. CCOERA Target Date Funds are designed to simplify the choices you have to invest your retirement savings. Simply select one (1) diversified
More informationYour retirement plan is taking a bold new path
Your retirement plan is taking a bold new path Your account is moving to Empower Retirement effective December 13, 2018 Empower named Retirement This change to your Elliot Health System 403(b) Plan's recordkeeping
More informationflexpath vs. Vanguard Target Retirement
flexpath vs. Vanguard Target Retirement Average Scores Vanguard flexpath Index 9.0 9.4 3(38) Investment Manager with IPS Vanguard No flexpath Yes Number Asset Classes Vanguard flexpath 4 7 Vanguard Average
More informationYOUR GUIDE TO GETTING STARTED
University of Colorado Hospital Authority 401(a) Investment Account, 403(b) Matching Account, and the 457(b) Deferred Compensation Plan Invest in your retirement and yourself today, with help from the
More informationCLEVELAND STATE UNIVERSITY FOUNDATION ESG AND SUSTAINABILITY SCORES
January 2017 CLEVELAND STATE UNIVERSITY FOUNDATION ESG AND SUSTAINABILITY SCORES 1100 Superior Avenue East Suite 700 Cleveland, Ohio 44114 216.621.1090 HARTLAND.com MORNINGSTAR ESG SCORES Name ESG Score
More informationBen E. Keith Company Retirement Plans. Welcome to Empower Retirement!
Ben E. Keith Company Retirement Plans Welcome to Empower Retirement! Agenda Who is Empower Retirement? Your new 401(k) plan at Empower Investment options Transfer of your Ben E. Keith Profit Sharing Plan
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company STATE OF FLORIDA Separate Account D Average Annual Total Returns as of: 04/30/2018 (shown in percentages) The performance
More informationCleveland Clinic Investment Pension Plan (IPP) imagine inspire invest. Your guide to getting started. We believe in your future financial wellbeing
Cleveland Clinic Investment Pension Plan (IPP) imagine inspire invest Your guide to getting started. We believe in your future financial wellbeing Invest some of what you earn today for what you plan to
More informationGet ready Your Plan is on the move!
Get ready Your Plan is on the move! November 2018 The is merging with the Bass Pro Group, LLC 401(k) Plan this January. Bass Pro Shops and Cabela s will soon have a unified 401(k) retirement savings program
More informationGeneral Amendment To Be Attached To and Read as. Part of the Group Annuity Contract. Issued By
General Amendment To Be Attached To and Read as Part of the Group Annuity Contract Issued By John Hancock Life Insurance Company (U.S.A.) (herein called the Company) In accordance with the provisions under
More informationYOUR GUIDE TO GETTING STARTED
William Marsh Rice University Supplemental 403(b) Plan, #50190 Invest in your retirement and yourself today, with help from the William Marsh Rice University Supplemental 403(b) Plan and Fidelity. YOUR
More informationgreat minds. opportunities. Vanderbilt University 403(b) Retirement Plan Enrollment Guide
great minds. opportunities. Vanderbilt University 403(b) Retirement Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. Vanderbilt University and Medical
More informationChoices Today for a Brighter Tomorrow. COLLEGE SAVINGS PROGRAM
Choices Today for a Brighter Tomorrow. COLLEGE SAVINGS PROGRAM A Lifetime of Learning Starts Now. As your children grow, it is critical to take the steps necessary to help them succeed as adults. That
More informationYOUR GUIDE TO GETTING STARTED
Rady Children's Hospital San Diego 403(b) Plan Invest in your retirement and yourself today, with help from the Rady Children's Hospital 403(b) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some
More informationSchwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of 11/30/2018
Schwab OneSource Choice - Return of Premium Death Benefit - 90008-0 Investment Performance as of /0/208 Current performance may be lower or higher than performance data shown. Performance data quoted represents
More informationYour guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan
Your guide to upcoming changes to your 401(k) Plan Farm Credit Foundations Defined Contribution/401(k) Plan John Hancock Retirement Plan Services, LLC and Farm Credit Foundations are not affiliated and
More information457 Plan Investment Design
4643 S Ulster Street, Suite 1040 Denver, CO 80237 303.694.1900 www.innovestinc.com 457 Plan Investment Design Wendy J. Dominguez, President, MBA Gordon Tewell, Principal, CFA, CPC Jerry Huggins, Vice President,
More informationThe Regional University System of Oklahoma
The Regional University System of Oklahoma Plan Enhancements Page 2 Important Information Any insurance products, annuities and funding agreements that you may have purchased are sold as securities and
More informationYOUR RETIREMENT SAVINGS PLAN
Benefits to Smile About Invest in Your Future We are pleased to present you with information about Marriott s 401(k) program to help you save for your retirement. The Retirement Savings Plan1 a 401(k)
More informationUnited of Omaha Life Insurance Company Companion Life Insurance Company mutual of omaha retirement services
United of Omaha Life Insurance Company Companion Life Insurance Company mutual of omaha retirement services 25927477 Investment Options GET RETIREMENT RIGHT 213196 For producer and plan sponsor use only.
More informationFUND LIST. INVESTMENT STRATEGY, GOALS, and OBJECTIVES
CLS, LLC ( CLS ) is a registered investment adviser offering investment management strategies for clients who wish to utilize our services. Each investment strategy gives us discretion to provide continuous
More informationPut a spark in your savings
Put a spark in your savings Let Vanguard help you create a brilliant retirement plan in a few easy steps BorgWarner Inc. Retirement Savings Plan SAVING SAVING INVESTING SAVING ENOUGH? INVESTING WISELY?
More informationENROLLMENT GUIDE. Creating real-world retirement strategies for real people
ENROLLMENT GUIDE Creating real-world retirement strategies for real people Define your own journey C O R N E L L U N I V E R S I T Y R E T I R E M E N T P L A N S Enroll today. It s easy to join the Cornell
More informationAdvisor's Edge Variable Annuity Issued by Transamerica Premier Life Insurance Company Variable Annuity Expense Comparison
Advisor's Edge Variable Annuity Issued by Transamerica Premier Life Insurance Company Variable Annuity Expense Comparison Please consider variable annuity investment objectives, risks, charges and expenses
More informationGeneral Amendment To Be Attached To and Read as. Part of the Group Annuity Contract. Issued By
General Amendment To Be Attached To and Read as Part of the Group Annuity Contract Issued By John Hancock Life Insurance Company (U.S.A.) (herein called the Company) In accordance with the provisions under
More informationGeneral Amendment To Be Attached To and Read as. Part of the Group Annuity Contract. Issued By
General Amendment To Be Attached To and Read as Part of the Group Annuity Contract Issued By John Hancock Life Insurance Company (U.S.A.) (herein called the Company) In accordance with the provisions under
More informationTHE GATES MATCHMAKER PLAN Automatic Enrollment, 401(k) Safe Harbor, and Qualified Default Investment Alternative Notice
Automatic Enrollment, 401(k) Safe Harbor, and Qualified Default Investment Alternative Notice Contact Us: Phone: 800-401-5866 Website: gatesretirement.com Dear Participant, We all know it's important to
More informationSchwab OneSource Variable Annuity New York Investment Performance as of 12/31/2018
Schwab OneSource Variable Annuity New York - 9000609-06 Investment Performance as of 2//208 Current performance may be lower or higher than performance data shown. Performance data quoted represents past
More information#2 DECIDE HOW TO INVEST
#2 DECIDE HOW TO INVEST To decide how to invest, choose the investment option that best fits your personality and current situation. As your situation changes over time, you may want to consider changing
More informationYOUR GUIDE TO GETTING STARTED
CentraCare Health 403(b) Retirement Plan Invest in your retirement and yourself today, with help from the CentraCare Health 403(b) Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some
More informationDon t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103)
Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103) ! Don t come up short When it comes to your retirement savings, you don t want
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company STATE OF NEVADA DEFERRED COMP Separate Account D, Group Annuity Contract Average Annual Returns as of: 07/31/2018 (shown
More informationTarget-date fund trends and innovation. For institutional use only. Not for distribution to retail investors.
Target-date fund trends and innovation Agenda Target-date fund (TDF) landscape and trends What s next in TDF innovation? 2 TDF landscape and trends 3 Assets under management in $B A brief history of the
More informationRe: Changes to the Chevron Phillips Chemical Company LP 401(k) Savings and Profit-Sharing Plan (the Plan )
February 27, 2015 Re: Changes to the Chevron Phillips Chemical Company LP 401(k) Savings and Profit-Sharing Plan (the Plan ) The Chevron Phillips Chemical Company LP Investment Committee ( Committee )
More informationPlan Highlights. Universal Health Services, Inc. Supplemental Deferred Compensation Plan. For Amounts Deferred on or After January 1, 2009 Only*
Universal Health Services, Inc. Supplemental Deferred Compensation Plan Plan Highlights For Amounts Deferred on or After January 1, 2009 Only* *For amounts deferred before January 1, 2009, the terms of
More informationYOUR GUIDE TO GETTING STARTED
University of North Carolina Optional Retirement Program Invest in your retirement and yourself today, with help from the University of North Carolina ORP and Fidelity. YOUR GUIDE TO GETTING STARTED Invest
More informationYOUR GUIDE TO GETTING STARTED
California State University 403(b) Plan Invest in your retirement and yourself today, with help from California State University Tax Sheltered Annuity Program (the "Plan") and Fidelity. YOUR GUIDE TO GETTING
More informationInvestment Options. Selecting the Right Retirement Plan Investments
Investment Options Selecting the Right Retirement Plan Investments 451986 Comprehensive Fund Selection Designed for Retirement Savings The investment options available in our retirement products are carefully
More informationWorkplace Education Series
Making the Most of Your Workplace Savings MGM Benefits Group and Financial Benefit Services Richardson, TX Maximize your retirement savings opportunities Let s explore: Steps to help you make the most
More informationYour Guide to Getting Started
USC Hospital 401(k) Retirement Plan for the employees of USC Verdugo Hills Hospital, part of the Keck Medical Center of USC Invest in your retirement and yourself today, with help from USC Hospital 401(k)
More informationPerformance Supplement. The IBM 401(k) Plus Plan Investment Results
Performance Supplement The IBM 401(k) Plus Plan Investment Results Listed below is the annualized performance of the Primary investment options available through the IBM 401(k) Plus Plan for the period
More informationSummary of Administrative Maintenance Charges (AMC) and Revenue Sharing Received
Summary of Administrative Maintenance Charges (AMC) and Revenue Sharing Received For the investment options ( Funds ), listed below, advised exclusively by unaffiliated mutual fund companies, John Hancock
More informationYOUR GUIDE TO GETTING STARTED
CentraCare Health 457(b) Deferred Compensation Plan Invest in your retirement and yourself today, with help from the CentraCare Health and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you
More informationHelping bring health & well-being to your financial future. Your Bon Secours Retirement Savings Plan Enrollment Guide
Helping bring health & well-being to your financial future Your Bon Secours Retirement Savings Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. Dear Employee:
More informationThis Summary of Coverage highlights your Stock Purchase Plan and Retirement Savings Plan options and the steps you need to enroll.
Stock Purchase Plan & Retirement Savings Plan Summary of Coverage Effective August 31, 2015 This Summary of Coverage highlights your Stock Purchase Plan and Retirement Savings Plan options and the steps
More informationEnrollment Guide. Future Savings. Time to Focus on a Healthy RETIREMENT. YOUR ENROLLMENT GUIDE FOR THE 401(k) PLAN
Enrollment Guide Future Savings Time to Focus on a Healthy RETIREMENT YOUR ENROLLMENT GUIDE FOR THE 401(k) PLAN Invest some of what you earn today for what you plan to accomplish tomorrow. Dear Employee:
More informationInvestment Professional Profile
Investment Professional Profile HELP CLIENTS SAVE FOR THE RISING COSTS OF COLLEGE The Bright Directions Advisor-Guided 529 College Savings Plan helps Illinois families save for the rising costs of college.
More informationPCL Construction Enterprises, Inc Investment Performance as of 02/28/2018
PCL Construction Enterprises, Inc. - 9452-0 Investment Performance as of 02/28/208 Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance
More informationEnrollment Guide. Future Savings. Time to Focus on a Healthy RETIREMENT. YOUR ENROLLMENT GUIDE FOR THE 457(b) PLAN
Enrollment Guide Future Savings Time to Focus on a Healthy RETIREMENT YOUR ENROLLMENT GUIDE FOR THE 457(b) PLAN Invest some of what you earn today for what you plan to accomplish tomorrow. Your Employer
More informationRiverSource RAVA 5 Advantage variable annuity
RiverSource RAVA 5 Advantage variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 03/31/2018 and quarter ending 03/31/2018 Current
More informationYOUR GUIDE TO GETTING STARTED
Mohawk Industries Retirement Savings Plan 1 or Plan 2 Invest in your retirement and yourself today, with help from Mohawk Industries Retirement Savings Plan 1 or Plan 2 and Fidelity. YOUR GUIDE TO GETTING
More informationRoman Catholic Archdiocese of Boston 401(k) Retirement Savings Plan: Making the Most of Your Financial Future
Roman Catholic Archdiocese of Boston 401(k) Retirement Savings Plan: Making the Most of Your Financial Future Agenda TIAA-CREF Advantages of a 401(k) Plan Investing Basics Your Investment Menu Getting
More informationCHI. 457(b) PLAN. Helping You Build Financial Security for Retirement
CHI 457(b) PLAN Helping You Build Financial Security for Retirement Invest some of what you earn today for what you plan to accomplish tomorrow. Welcome to the Catholic Health Initiatives 457(b) Plan!
More informationsaving : investing : planning
saving : investing : planning Dear Valued Oregon Public Universities Retirement Program Participant, Enhancements are coming to the Oregon Public Universities Retirement Program (OPURP). Effective January
More informationRiverSource RAVA 5 Select variable annuity
RiverSource RAVA 5 Select variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 12/31/2017 and quarter ending 12/31/2017 Current applicable
More informationRiverSource RAVA 5 Advantage variable annuity - New York
RiverSource RAVA 5 Advantage variable annuity - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Annuities for month ending 06/30/2018
More informationRiverSource RAVA 5 Select variable annuity
RiverSource RAVA 5 Select variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 12/31/2018 and quarter ending 12/31/2018 Current applicable
More informationEffective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity:
Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity: Great-West Loomis Sayles Bond Fund will be renamed to the Great-West Multi-Sector
More informationImportant changes to your Danfoss Power Solutions Employees Savings Plan are coming!
Important changes to your Danfoss Power Solutions Employees Savings Plan are coming! Effective January 2, 2018, the Danfoss Power Solutions Employees Savings Plan, among other Danfoss company savings plans,
More informationHelping you reach the future you deserve. The Scripps Health 401(a) Retirement Savings Plan Enrollment Guide
Helping you reach the future you deserve The Scripps Health 401(a) Retirement Savings Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. It is our pleasure
More informationYOUR GUIDE TO GETTING STARTED
A&B IDC and PSP for Salaried Non-Bargaining Employees Invest in your retirement and yourself today, with help from A&B IDC and PSP for Salaried Non-Bargaining Employees and Fidelity. YOUR GUIDE TO GETTING
More informationAuditor s Report and Financial Statements
Auditor s Report and Financial Statements UBT 529 Fund Services a Division of Offered by the State of Alabama Program Manager Contents Independent Auditor s Report... 1 Management s Discussion and Analysis
More informationLarge Cap Growth Equity Fund... Benchmark
Release Date: 12-31-2013 Large Cap Growth Equity Fund... Benchmark Morningstar Category Russell 1000 Growth Index Large Growth Investment Objective & Strategy This Fund seeks long-term capital appreciation
More informationDeferred Compensation Plan
Deferred Compensation Plan E M P L O Y E E S E R V I C E S A G E N C Y EMPLOYEE BENEFITS A S S E R V I N G I T Y Y O U Y O U S E R V E O U R C O M M U N County of Santa Clara, Employee Services Agency
More informationReliaStar Life Insurance Company
P E R F O R M A N C E U P D A T E ReliaStar Life Insurance Company Variable Accumulation Design Average Annual Total Returns as of: 09/30/2013 (shown in percentages) The following variable investment options
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company TEXAS TECH UNIV & HEALTH Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 03/31/2019
More informationAn easy way to diversify
Portfolios Annuities Variable An easy way to diversify Target allocations as of May 1, 2017 Professional Management There are five Portfolios. Each option is an asset allocation portfolio designed to provide
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C FORM 11-K
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K (Mark One) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended September
More informationYour DePaul University 403(b) Retirement Plan ENROLLMENT GUIDE
Your DePaul University 403(b) Retirement Plan ENROLLMENT GUIDE Invest some of what you earn today for what you plan to accomplish tomorrow. Dear DePaul University 403(b) Retirement Plan employee: It s
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company BD OF SCHOOL DIRECTORS CITY Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 11/30/2018
More informationRetirement is about being able to do what you want
Plan Highlights Retirement is about being able to do what you want when you re ready to stop working. TEAMSTERS-NATIONAL 401(k) SAVINGS PLAN Sharing the work, sharing the rewards. Whether you plan on traveling,
More information401(k) ANNUAL UPDATE. What s Inside. Need to Enroll in the 401(k)?
Engility MASTER SAVINGS PLAN 401(k) ANNUAL UPDATE Timely information to Help You take control of your future What s Inside How to enroll 2016 Contribution Limits Make Sure Your 401(k) Account Is On Track
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company THE OHIO STATE UNIVERSITY 403B Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 09/30/2018
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company CITY OF ATLANTA 457B Separate Account D, Group Annuity Contract Average Annual Total Returns as of: 02/28/2019 (shown in
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company TEXAS A & M UNIVERSITY SYSTEM Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 03/31/2019
More informationYour retirement plan is taking a bold new path
Your retirement plan is taking a bold new path Your account is moving to Empower Retirement effective Monday, October 1, 2018 Empower named Retirement Leader of the Year. * Empower helps 8.5 million people
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company Opportunity Plus 403b Variable Annuity Account C, Non-Standardized Returns without a Deferred Sales Charge Average Annual
More informationYour Plan Highlights. Investment Option Descriptions. LifePath Portfolios. International Stock Funds. Small-Cap Stock Funds. Mid-Cap Stock Funds
Your Plan Highlights Investment Option Descriptions Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. LifePath
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company THE OHIO STATE UNIVERSITY ARP Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 08/31/2018
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION. Washington, D. C Form 11-K. ANNUAL REPORT PURSUANT TO SECTION 15(d)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 Form 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Year Ended December 31, 2016 Commission
More informationPRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY. With Premier Investment:
PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY With Premier Investment: Clients can benefit from tax advantages, including tax deferral and tax-free transfers An innovative pro-growth fee structure can
More informationNextGen College Investing Plan Client Select Series Investment Guide
NextGen College Investing Plan Client Select Series Investment Guide The NextGen College Investing Plan is a Section 29 plan that offers you a tax-advantaged way to invest for a child s qualified higher-education
More informationTable of Contents. Get started. Call or visit TIAA.org/NSHE. 1
Power Up Your Your guide guide to to the the upcoming upcoming NSHE NSHE Retirement Retirement Plan Plan account account consolidation consolidation at TIAA Table of Contents Your accounts are consolidating...
More informationFaculty and Staff Retirement Plan: Enrolling and Selecting Your Investment Options Guide
Faculty and Staff Retirement Plan: Enrolling and Selecting Your Investment Options Guide If you need this information in an alternate format, please contact the Human Resource Information Center at 919-684-5600
More informationUnderlying Investments Performance / Annuity Rates of Return. Inception Date
Date 7/31/2014 Benchmark Index Morningstar Lifetime Index The returns quoted represent past performance, which is no guarantee of future results. Returns and the principal value of your investment will
More informationYour Guide to Getting Started
Standard Motor Products Profit Sharing 401(k) Capital Accumulation Plan Invest in your retirement and yourself today, with help from the SMP 401K Plan and Fidelity. Your Guide to Getting Started Invest
More informationJHRPS Demonstration Plan
JHRPS Demonstration Plan SAMPLE A C C O U N T S T A T E M E N T >002057 4199795 0001 092148 2OZ >Stephanie Williams JH0102 > 690 Canton St. Westwood, MA 02090 Stephanie Williams your total account balance
More informationRoman Catholic Archdiocese of Boston 401(k) Retirement Savings Plan: Making the Most of Your Financial Future
Roman Catholic Archdiocese of Boston 401(k) Retirement Savings Plan: Making the Most of Your Financial Future Agenda TIAA-CREF Advantages of a 401(k) Plan Investing Basics Your Investment Menu Getting
More informationYour Guide to Getting Started
Standard Motor Products Profit Sharing 401(k) Capital Accumulation Plan Invest in your retirement and yourself today, with help from the SMP 401K Plan and Fidelity. Your Guide to Getting Started Invest
More informationSince you have a balance in one or both of these funds, see below and the following pages for more information about how you will be impacted.
June 2012 Re: Investment Options Changes in the TVA 401(k) Plan Dear 401(k) Plan Participant: The TVA Retirement System Board of Directors periodically reviews the investment options available through
More informationRetirement only seems far off. Start planning for your future today. MassMutual Pension and Thrift Plans
Retirement only seems far off. Start planning for your future today. MassMutual Pension and Thrift Plans Enroll Welcome to MassMutual! Retirement only seems far off. Start planning for your future today
More informationYour Guide to Getting Started
County of Sacramento 401(a) Plan Invest in your retirement and yourself today, with help from the County of Sacramento 401(a) Plan and Fidelity. Your Guide to Getting Started Frequently asked questions
More informationBeth Israel Deaconess Medical Center 401(k) Retirement Plan. Start investing in yourself today, with help from BIDMC 401(k) Plan and Fidelity.
Beth Israel Deaconess Medical Center 401(k) Retirement Plan Start investing in yourself today, with help from BIDMC 401(k) Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish
More informationPrecision Strip Retirement and Savings Plan
Precision Strip Retirement and Savings Plan There are many great benefits to being a participant in the Precision Strip Retirement and Savings Plan. Among those benefits is exceptional customer service
More informationInvestment Plan Benefits
Investment Plan Benefits The Investment Plan of the Major League Baseball Players Benefit Plan (the Investment Plan ) helps you save now for your financial needs during retirement. Important! For more
More informationDynegy 401(k) Plan. Summary Plan Description For the Plan as Amended January 1, 2014
Dynegy 401(k) Plan Summary Plan Description For the Plan as Amended January 1, 2014 This Summary Plan Description highlights the key features of the Dynegy 401(k) Plan (Plan). Complete details of the Plan
More informationPRINCIPAL LIFETIME HYBRID COLLECTIVE INVESTMENT FUNDS DISCLOSURE DOCUMENT
PRINCIPAL LIFETIME HYBRID COLLECTIVE INVESTMENT FUNDS DISCLOSURE DOCUMENT Information provided in this summary is as of October 3, 2017. This summary includes key information about the Collective Investment
More informationTake control of your retirement
3020205.E.P-3Mt_Holyoke_Asset_Allocation copy_allocation Mentor 4/19/13 1:24 PM Page 1 Take control of your retirement A guide to help you choose an investment portfolio Your future. Made easier. 3020205.E.P-3Mt_Holyoke_Asset_Allocation
More informationFIDELITY INVESTMENTS (R) MUTUAL FUNDS PERFORMANCE REPORT PERFORMANCE UPDATE
FELITY INVESTMENTS (R) MUTUAL FUNDS PERFORMANCE REPORT PERFORMANCE UPDATE AS OF DECEMBER 1, 2017 UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance data
More information