Spectrum Report Compiled as of: November 30, 2016
|
|
- Julia Hamilton
- 5 years ago
- Views:
Transcription
1 Spectrum Report Compiled as of: November 30, 2016 Vanguard Target Retirement 2010 Fund Investor Shares Vanguard Target Retirement 2015 Fund Investor Shares Vanguard Target Retirement Income Fund Investor Shares Vanguard Target Retirement 2020 Fund Investor Shares Vanguard Target Retirement 2025 Fund Investor Shares Vanguard Target Retirement 2030 Fund Investor Shares Vanguard Target Retirement 2035 Fund Investor Shares Vanguard Target Retirement 2040 Fund Investor Shares Vanguard Target Retirement 2045 Fund Investor Shares Vanguard Target Retirement 2050 Fund Investor Shares Vanguard Target Retirement 2055 Fund Investor Shares Vanguard Target Retirement 2060 Fund Investor Shares Government Fidelity Government Money Market Fund - Premium Class MetLife Fixed - New Account MetLife Fixed - New Account Diversified Baird Short- Term Bond Fund Investor Class Fidelity Total Bond Fund Vanguard Short-Term Bond Index Fund Admiral Shares Vanguard Total Bond Market Index Fund Admiral Shares Inflation-Protected Vanguard Inflation- Protected Securities Fund Admiral Shares American Funds American Balanced Fund Class R- 4 Fidelity Puritan Fund - Class K Large Value Invesco Diversified Dividend Fund R5 Class Large Blend Fidelity 500 Index Fund - Institutional Class Fidelity Total Market Index Fund - Institutional Class Vanguard FTSE Social Index Fund Investor Shares Large Growth Fidelity Blue Chip Growth Fund - Class K Fidelity Contrafund - Class K Fidelity Growth Company Fund - Class K Fidelity OTC Portfolio - Class K JPMorgan Intrepid Growth Fund Select Class Diversified American Beacon International Equity Fund Institutional Class Fidelity Diversified International Fund - Class K Fidelity International Discovery Fund - Class K Fidelity Overseas Fund - Class K Vanguard Total International Stock Index Fund Admiral Shares Fidelity Real Estate Investment Portfolio Vanguard REIT Index Fund Admiral Shares
2 Vanguard Short-Term Inflation- Protected Securities Index Fund Admiral Shares High Yield Vanguard High- Yield Corporate Fund Admiral Shares International / Global AB Global Bond Fund Class I Fidelity New Markets Income Fund Vanguard Total International Bond Index Fund Admiral Shares Mid Value Fidelity Low- Priced Stock Fund - Class K Small Value Victory Sycamore Small Company Opportunity Fund Class I Mid Blend Fidelity Extended Market Index Fund - Premium Class Vanguard Mid- Cap Index Fund Admiral Shares Small Blend Fidelity Small Cap Stock Fund Vanguard Small-Cap Index Fund Admiral Shares Mid Growth JPMorgan Mid Cap Growth Fund Class R5 Small Growth Fidelity Small Cap Growth Fund Emerging Markets Fidelity Emerging Markets Fund - Class K Vanguard Emerging Markets Stock Index Fund Admiral Shares Unclassifed Investments Fidelity BrokerageLink Footnotes Compiled by Category Last categorization update date 10/31/2016 This spectrum, with the exception of the Domestic Equity category, is based on Fidelity's analysis of the characteristics of the general investment categories and not on the actual investment options and their holdings, which can change frequently. Investment options in the Domestic Equity category are based on the options' Morningstar categories as of the date indicated. Morningstar categories are based on a fund's style as measured by its underlying portfolio holdings over the past three years and may change at any time. These style calculations do not represent the investment options' objectives and do not predict the investment options' future styles. Investment options are listed in alphabetical order within each investment category. Risk associated with the investment options can vary significantly within each particular investment category and the relative risk of categories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fund options, please read the prospectuses before making your investment decisions. The spectrum does not represent actual or implied performance. Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market or economic developments. Because of their narrow focus, sector funds may be more volatile than funds that diversify across many sectors. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. In general the bond market is volatile and bonds entail interest rate risk (as interest rates rise bond prices usually fall and vice versa). This effect is usually pronounced for longer-term securities. Bonds also entail the risk of issuer default, issuer credit risk and inflation risk. Target date investments are generally designed for investors expecting to retire around the year indicated in each investment's name. The investments are managed to gradually become more conservative over time. The investment risks of each target date investment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risk associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates.
3 Changes in real estate values or economic downturns can have a significant negative effect on issuers in the real estate industry. A fixed return annuity contract is an annuity contract issued by an insurance company. It is not a mutual fund. The amount invested in the contract is guaranteed by the issuing insurance company. Guarantees of an insurance company are subject to its long-term financial strength and claims-paying ability and are solely its responsibility. Information about the fixed return annuity contract was furnished by the issuing insurance company, which is not affiliated with any Fidelity Investments company. Lower-quality debt securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. Investments in mid-sized companies may involve greater risk than those of larger, more well known companies, but may be less volatile than investments in smaller companies. Investments in smaller companies may involve greater risk than those in larger, more well known companies. Fidelity Government Mutual Fund Money Market: You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund's sponsor, have no legal obligation to provide financial support to money market funds and you should not expect that the sponsor will provide financial support to the fund at any time. Fidelity's government and U.S. Treasury money market funds will not impose a fee upon the sale of your shares, nor temporarily suspend your ability to sell shares if the fund's weekly liquid assets fall below 30% of its total assets because of market conditions or other factors. AB Global Bond Fund Class I: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/05/2007. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/27/1992, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. American Funds American Balanced Fund Class R-4: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 06/21/2002. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 07/25/1975, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Baird Short-Term Bond Fund Investor Class: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 09/19/2012. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 08/31/2004, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Fidelity 500 Index Fund - Institutional Class: Returns prior to May 4, 2011 are those of the Premium Class and reflect the Premium Class' expense ratio. Had the Institutional Class' expense ratio been reflected, total returns would have been higher. Fidelity 500 Index Fund - Institutional Class: As of June 14, 2016, this fund changed its name from Spartan 500 Index Fund - Institutional Class. Fidelity Blue Chip Growth Fund - Class K: On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, nonadvisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Contrafund - Class K: On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Diversified International Fund - Class K, Fidelity Emerging Markets Fund - Class K, Fidelity Growth Company Fund - Class K, Fidelity Low-Priced Stock Fund - Class K, Fidelity OTC Portfolio - Class K, Fidelity Puritan Fund - Class K: On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Extended Market Index Fund - Premium Class: Returns prior to October 14, 2005 are those of the Investor Class and reflect the Investor Class' expense ratio. Had the Premium Class' expense ratio been reflected, total returns would have been higher. Fidelity Extended Market Index Fund - Premium Class: As of June 14, 2016, this fund changed its name from Spartan Extended Market Index Fund - Fidelity Advantage Class. Fidelity Government Money Market Fund - Premium Class: Initial offering of Premium Class shares for Fidelity Government Money Market Fund was on 04/14/2015. Returns and expenses prior to that date are those of Fidelity Government Money Market Fund (SPAXX). Had Fidelity Government Money Market Fund - Premium Class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Government Money Market Fund - Premium Class: Fidelity is voluntarily reimbursing a portion of the fund's expenses. If Fidelity had not, the returns would have been lower.
4 Fidelity International Discovery Fund - Class K, Fidelity Overseas Fund - Class K: On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Total Market Index Fund - Institutional Class: As of June 14, 2016, this fund changed its name from Spartan Total Market Index Fund - Institutional Class. Fidelity Total Market Index Fund - Institutional Class: Returns prior to September 8, 2011 are those of the Premium Class and reflect the Premium Class' expense ratio. Had the Institutional Class' expense ratio been reflected, total returns would have been higher. Invesco Diversified Dividend Fund R5 Class: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 10/25/2005. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 12/31/2001, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. JPMorgan Mid Cap Growth Fund Class R5: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/01/2011. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/02/1989, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. MetLife Fixed - New Account, MetLife Fixed - New Account: This investment option is not a mutual fund. MetLife Fixed - New Account, MetLife Fixed - New Account: This investment option is not a mutual fund. Vanguard Emerging Markets Stock Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 06/23/2006. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 05/04/1994, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard High-Yield Corporate Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 12/27/1978, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Inflation-Protected Securities Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 06/10/2005. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 06/29/2000, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Mid-Cap Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 05/21/1998, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard REIT Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 05/13/1996, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Short-Term Bond Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/01/1994, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Small-Cap Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/13/2000. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 10/03/1960, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Vanguard Total Bond Market Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 12/11/1986, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself.
5 Vanguard Total International Stock Index Fund Admiral Shares: The FTSE Global All Cap ex US Index is part of a range of indices designed to help US investors benchmark their international investments. The index comprises large, mid and small cap stocks globally excluding the US. Vanguard Total International Stock Index Fund Admiral Shares: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/29/2010. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 04/29/1996, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Victory Sycamore Small Company Opportunity Fund Class I: The Russell 2000 Value Index is an unmanaged market capitalization-weighted index of value-oriented stocks of U.S. domiciled companies that are included in the Russell 2000 Index. Value-oriented stocks tend to have lower price-to-book ratios and lower forecasted growth values. Victory Sycamore Small Company Opportunity Fund Class I: The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 08/31/2007. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 08/16/1983, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
6 Santa Clara University Retirement Plans Investment Options To help you meet your investment goals, the Santa Clara University Tax Deferred Annuity Plan and the Santa Clara University Defined Contribution Plan (collectively, the Plan ) offer you a variety of investment options. You can select a mix of options that best suits your goals, time horizon, and risk tolerance, and include a mix of conservative, moderately conservative, and aggressive funds. A complete description of the Plan s investment options and their performance, as well as planning tools to help you choose an appropriate mix, are available online at Fidelity NetBenefits. What s Inside Choosing an Investment Mix... 2 We Can Help... 2 Fund Descriptions 3
7 Choosing an Investment Mix In determining the right mix of investments for you, you should consider your comfort with investment risk and flexibility, your retirement goals and your time frame, as well as your unique financial situation. Ultimately, you want to consider a mix of investments that delivers a balance of risk and potential return that you can feel comfortable with. And, as your savings needs change, so will your investment mix, so don t forget to reevaluate your portfolio regularly. Finding the right mix This table shows how four hypothetical investment mixes align with different approaches to investing, from conservative to aggressive. Conservative Mix Balanced Mix Growth Mix Aggressive Growth Mix 14% domestic stock 6% foreign stock 50% bond 30% short-term investments 35% domestic stock 15% foreign stock 40% bond 10% short-term investments 49% domestic stock 21% foreign stock 25% bond 5% short-term investments 60% domestic stock 25% foreign stock 15% bond May be appropriate if you prefer steadier performance over time with some opportunity for growth. May be appropriate if you want some opportunity for growth and can tolerate some up-and-down movement in your portfolio s value. May be appropriate if you have a preference for growth and can tolerate significant up-and-down movement in your portfolio s value. May be appropriate if you have a strong preference for growth and can tolerate wide, and sometimes sudden, up-and-down movement in your portfolio s value. For illustrative purposes only. The purpose of the target asset mixes is to show how target asset mixes may be created with different risk-and-return characteristics to help meet a participant s goals. You should choose your own investments based on your particular objectives and situation. Remember, you may change how your account is invested. Be sure to review your decisions periodically to make sure they are still consistent with your goals. You should also consider any investments you may have outside the Plan when making your investment choices. These target asset mixes were developed by Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company, based on the needs of a typical retirement plan participant. The investment options offered through the Plan were chosen by the plan sponsor. The sample mixes illustrate some of the many combinations that could be created and should not be considered investment advice. We Can Help Call us at or go to NetBenefits at We have tools and services that can help you build a plan to align your investments with your retirement goals.
8 Fund Descriptions Evaluating investments is an important factor in your decision on which fund or funds you choose for your investment mix. Although the effort can take time, your understanding of each fund will give you the confidence you need to make the choice you are most comfortable with and help you get more from your retirement savings. Fund Code: This is the code used on Fidelity s automated phone lines to request transactions for the investment option. You will not need this code if you use the Internet to make transactions. Ticker: This is also called the trading symbol for the fund. If the fund is listed and traded on any of the major exchanges, this is the code that is used to identify the fund. AB Global Bond Fund Class I FPRS code: OK72 Ticker: ANAIX Gross expense ratio: 0.59% as of 01/29/2016 Objective: The investment seeks to generate current income consistent with preservation of capital. Strategy: The fund invests at least 80% of its net assets in fixed-income securities. It invests significantly in fixed-income securities of non-u.s. companies. The fund normally invests in the fixed-income securities of companies located in at least three countries. It may invest in a broad range of fixed-income securities in both developed and emerging markets. The fund may invest across all fixed-income sectors, including U.S. and non-u.s. government and corporate debt securities. Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. The fund may invest in lower-quality debt securities that involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price; Someone who is seeking to complement his or her core bond holdings with international bond investments and who can tolerate the greater risks associated with foreign investments. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed information The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 11/05/2007. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 03/27/1992, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. American Beacon International Equity Fund Institutional Class FPRS code: OMYW Ticker: AAIEX Gross expense ratio: 0.74% as of 02/28/2016 Objective: The investment seeks long-term capital appreciation. Strategy: The fund normally invests at least 80% of its net assets (plus the amount of any borrowings for investment purposes) in common stocks and securities convertible into common stocks (collectively, "stocks") of issuers based in at least three different countries located outside the United States. It primarily invests in countries comprising the Morgan Stanley Capital International Europe Australasia and Far East Index ("MSCI EAFE Index"). The MSCI EAFE Index is comprised of equity securities of companies from various industrial sectors whose primary trading markets are located outside the United States. Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently; Someone who is willing to accept the higher degree of risk associated with investing overseas. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed
9 information The MSCI Europe, Australasia and Far East Index is an unmanaged market capitalization-weighted index designed to represent the performance of developed stock markets outside the United States and Canada. American Funds American Balanced Fund Class R-4 FPRS code: OQYM Ticker: RLBEX Gross expense ratio: 0.63% as of 03/01/2016 Objective: The investment seeks conservation of capital, current income and long-term growth of capital and income. Strategy: The fund uses a balanced approach to invest in a broad range of securities, including common stocks and investment-grade bonds. It also invests in securities issued and guaranteed by the U.S. government and by federal agencies and instrumentalities. In addition, the fund may invest a portion of its assets in common stocks, most of which have a history of paying dividends, bonds and other securities of issuers domiciled outside the United States. Risk: Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Someone who is seeking to invest in a fund that invests in both stocks and bonds; Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing to accept the volatility of the bond and stock markets. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed information The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 06/21/2002. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 07/25/1975, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself. Baird Short-Term Bond Fund Investor Class FPRS code: OVJD Ticker: BSBSX Gross expense ratio: 0.55% as of 05/01/2016 Objective: The investment seeks an annual rate of total return, before fund expenses, greater than the annual rate of total return of the Barclays 1-3 Year U.S. Government/Credit Bond Index. Strategy: The fund normally invests at least 80% of its net assets in the following types of U.S. dollar-denominated debt obligations: U.S. government and other public-sector entities, asset-backed and mortgage-backed obligations of U.S. and foreign issuers and corporate debt of U.S. and foreign issuers. It only invests in debt securities rated investment grade at the time of purchase by at least one major rating agency or, if unrated, determined by the advisor to be investment grade. Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price; Someone who is seeking to diversify an equity portfolio with a more conservative investment option. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed information The Barclays 1-3 Year U.S. Government/Credit Bond Index is an unmanaged, market value weighted index of investment grade, fixed-rate debt including government and corporate securities with maturities between one and three years. The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class's actual inception of 09/19/2012. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 08/31/2004, adjusted to reflect the fees and expenses of this share class (when this share class's fees and expenses are higher.) Please refer to a fund's prospectus for information regarding fees and expenses. These adjusted historical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied by other entities, including the fund itself.
10 Fidelity BrokerageLink FPRS code: BLNK Objective: To provide a broad range of mutual funds that allow you expanded choices in managing your retirement savings more actively. Strategy: BrokerageLink is a brokerage account within your retirement plan. You alone decide how to invest the assets in your Fidelity BrokerageLink account. You can invest in a vast array of mutual funds from either Fidelity, or from Fidelity and other mutual fund companies through BrokerageLink. Brokerage services are provided through Fidelity Brokerage Services LLC, a member of the New York Stock Exchange and Securities Investor Protection Corporation. Risk: BrokerageLink includes investments beyond those in your plan's lineup. The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure the investments you select are suitable for your situation including your goals, time horizon, and risk tolerance. See the fact sheet and commission schedule for applicable fees and risks. This account is neither a mutual fund nor is it managed by any of the Fidelity Investments group of companies. Someone who is comfortable with evaluating and researching a broad universe of mutual funds, and who wants to invest part of his or her retirement savings in mutual funds through a brokerage account; Someone who wants the highest degree of variety in selecting mutual funds investments for his or her retirement savings, and who is familiar with how a brokerage account operates. Fidelity 500 Index Fund - Institutional Class FPRS code: 2327 Ticker: FXSIX Gross expense ratio: 0.035% as of 07/01/2016 Objective: Seeks to provide investment results that correspond to the total return (i.e., the combination of capital changes and income) performance of common stocks publicly traded in the United States. Strategy: Normally investing at least 80% of assets in common stocks included in the S&P 500 Index, which broadly represents the performance of common stocks publicly traded in the United States. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Short-term Redemption Fee Note: None Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income; Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated with investing in the stock market. Footnotes: This description is only intended to provide a brief overview of the mutual fund. Read the fund's prospectus for more detailed information The S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance. Returns prior to May 4, 2011 are those of the Premium Class and reflect the Premium Class' expense ratio. Had the Institutional Class' expense ratio been reflected, total returns would have been higher. As of June 14, 2016, this fund changed its name from Spartan 500 Index Fund - Institutional Class. Fidelity Blue Chip Growth Fund - Class K FPRS code: 2078 Ticker: FBGKX Gross expense ratio: 0.7% as of 09/29/2016 Objective: Seeks growth of capital over the long term. Strategy: Normally investing at least 80% of assets in blue chip companies (companies whose stock is included in the S&P 500 or the Dow Jones Industrial Average, and companies with market capitalizations of at least $1 billion if not included in either index). Investing in companies that FMR believes have above-average growth potential (stocks of these companies are often called "growth" stocks). Normally investing primarily in common stocks of well-known and established companies. Risk: The value of equity securities fluctuates in response to issuer, political, market, and economic developments. In the short term, equity prices can fluctuate dramatically in response to these developments. Different parts of the market and different types of equity securities can react differently to these developments. For example, 'growth' stocks can react differently from 'value' stocks. Foreign securities, foreign currencies, and securities issued by U.S. entities with substantial foreign operations can involve additional risks. You may have a gain or loss when you sell your shares. Someone who is seeking the potential for long-term share-price appreciation; Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks.
11 The S&P 500 Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends. The Dow Jones Industrial Average (DJIA) is an unmanaged price-weighted index and is the most widely used indicator of how the country's industrial leaders are performing. Also known as "the Dow," this is a formula based on the stock prices of 30 major companies chosen from sectors of the economy most representative of our country's economic condition. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Contrafund - Class K FPRS code: 2080 Ticker: FCNKX Gross expense ratio: 0.61% as of 02/29/2016 Objective: Seeks capital appreciation. Strategy: Investing in securities of companies whose value FMR believes is not fully recognized by the public. Investing in either 'growth' stocks or 'value' stocks or both. Normally investing primarily in common stocks. Risk: The value of the fund's domestic and foreign investments will vary from day to day in response to many factors. Stock values fluctuate in response to the activities of individual companies, and general market and economic conditions. Investments in foreign securities involve greater risk than U.S. investments. You may have a gain or loss when you sell your shares. Someone who is seeking the potential for long-term share-price appreciation; Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Diversified International Fund - Class K FPRS code: 2082 Ticker: FDIKX Gross expense ratio: 0.87% as of 12/30/2015 Objective: Seeks capital growth. Strategy: Normally investing primarily in non-u.s. securities. Normally investing primarily in common stocks. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all of which are magnified in emerging markets. Short-term redemption fee: This fund has a Short-term Redemption Fee of 1.00% for fee eligible shares held less than 30 days. Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently; Someone who is willing to accept the higher degree of risk associated with investing overseas. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, nonadvisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Emerging Markets Fund - Class K FPRS code: 2084 Ticker: FKEMX Gross expense ratio: 0.85% as of 12/30/2015 Objective: Seeks capital appreciation. Strategy: Normally investing at least 80% of assets in securities of issuers in emerging markets and other investments that are tied economically to emerging markets. Normally investing primarily in common stocks. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all
12 of which are magnified in emerging markets. Short-term redemption fee: This fund has a Short-term Redemption Fee of 1.50% for fee eligible shares held less than 90 days. Someone who is willing to accept the higher degree of risk associated with investing in emerging markets; Someone who is seeking to complement a portfolio of domestic investments and/or international investments in developed countries with investments in developing countries, which can behave differently. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Extended Market Index Fund - Premium Class FPRS code: 1521 Ticker: FSEVX Gross expense ratio: 0.07% as of 07/01/2016 Objective: Seeks to provide investment results that correspond to the total return stocks of mid- to small-capitalization United States companies. Strategy: Normally investing at least 80% of assets in common stocks included in the Dow Jones U.S. Completion Total Stock Market Index, which represents the performance of stocks of mid- to small-capitalization U.S. companies. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Investments in smaller companies may involve greater risks than those in larger, more well known companies. Short-term redemption fee: This fund has a Short-term Redemption Fee of 0.75% for fee eligible shares held less than 90 days. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income; Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatility of investments in smaller companies. The Dow Jones U.S. Completion Total Stock Market Index is an unmanaged index that represents all U.S. equity issues with readily available prices, excluding components of the S&P 500. Returns prior to October 14, 2005 are those of the Investor Class and reflect the Investor Class' expense ratio. Had the Premium Class' expense ratio been reflected, total returns would have been higher. As of June 14, 2016, this fund changed its name from Spartan Extended Market Index Fund - Fidelity Advantage Class. Fidelity Government Money Market Fund - Premium Class FPRS code: 2741 Ticker: FZCXX Gross expense ratio: 0.38% as of 06/29/2016 Objective: Seeks as high a level of current income as is consistent with preservation of capital and liquidity. Strategy: The Adviser normally invests at least 99.5% of the fund's total assets in cash, U.S. Government securities and/or repurchase agreements that are collateralized fully (i.e., collateralized by cash or government securities). Certain issuers of U.S. Government securities are sponsored or chartered by Congress but their securities are neither issued nor guaranteed by the U.S. Treasury. Investing in compliance with industry-standard regulatory requirements for money market funds for the quality, maturity, liquidity and diversification of investments. The Adviser stresses maintaining a stable $1.00 share price, liquidity, and income. In addition the Adviser normally invests at least 80% of the fund's assets in U.S. Government securities and repurchase agreements for those securities. Risk: You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund's sponsor, have no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. The fund will not impose a fee upon the sale of your shares, nor temporarily suspend your ability to sell shares if the fund's weekly liquid assets fall below 30% of its total assets because of market conditions or other factors. Interest rate increases can cause the price of a money market security to decrease. A decline in the credit quality of an issuer or a provider of credit support or a maturity-shortening structure for a security can cause the price of a money market security to decrease. Someone who has a low tolerance for investment risk and who wishes to keep the value of his or her investment relatively stable; Someone who is seeking to complement his or her bond and stock fund holdings in order to reach a particular asset allocation.
13 Initial offering of Premium Class shares for Fidelity Government Money Market Fund was on 04/14/2015. Returns and expenses prior to that date are those of Fidelity Government Money Market Fund (SPAXX). Had Fidelity Government Money Market Fund - Premium Class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Growth Company Fund - Class K FPRS code: 2090 Ticker: FGCKX Gross expense ratio: 0.77% as of 01/29/2016 Objective: Seeks capital appreciation. Strategy: Normally invests primarily in common stocks of domestic and foreign issuers that Fidelity Management &Research Company (FMR) believes offer the potential for above-average growth. Growth may be measured by factors such as earnings or revenue. Uses fundamental analysis of each issuer's financial condition and industry position and market and economic conditions to select investments. Risk: The value of the fund's domestic and foreign investments will vary from day to day in response to many factors, such as adverse issuer, political, regulatory, market, or economic developments. Stock values fluctuate in response to the activities of individual companies, and general market and economic conditions. You may have a gain or loss when you sell your shares. Foreign investments involve greater risks than those of U.S. investments. 'Growth' stocks can perform differently from the market as a whole and other types of stocks and can be more volatile than other types of stocks. Someone who is seeking the potential for long-term share-price appreciation; Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, nonadvisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity International Discovery Fund - Class K FPRS code: 2093 Ticker: FIDKX Gross expense ratio: 0.86% as of 12/30/2015 Objective: Seeks long-term growth of capital. Strategy: Normally investing primarily in non-u.s. securities. Normally investing primarily in common stocks. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all of which are magnified in emerging markets. Short-term redemption fee: This fund has a Short-term Redemption Fee of 1.00% for fee eligible shares held less than 30 days. Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently; Someone who is willing to accept the higher degree of risk associated with investing overseas. On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, nonadvisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. Fidelity Low-Priced Stock Fund - Class K FPRS code: 2095 Ticker: FLPKX Gross expense ratio: 0.78% as of 09/29/2016 Objective: Seeks capital appreciation. Strategy: Normally investing at least 80% of assets in low-priced stocks (those priced at or below $35 per share), which can lead to investments in small and medium-sized companies. Investing in either "growth" or "value" stocks or both. Normally investing primarily in common stocks. Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks.
AURA Retirement Plans Investment Options Guide Descriptions as of March 10, 2017
AURA Retirement Plans Investment Options Guide Descriptions as of March 10, 2017 Refer to this Investment Options Guide for fund descriptions of the new investment options that will be available in your
More informationInvest in your retirement and yourself today, with help from the EPC 403(b)(9) Plan and Fidelity. Your Investment Options Guide
Evangelical Presbyterian Church 403(b)(9) Retirement Plan Invest in your retirement and yourself today, with help from the EPC 403(b)(9) Plan and Fidelity. Your Investment Options Guide Investment Options
More informationYOUR GUIDE TO GETTING STARTED
Salesforce 401(k) Plan Invest in your retirement and yourself today, with help from the Salesforce 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you
More informationYOUR GUIDE TO GETTING STARTED
Salesforce 401(k) Plan Invest in your retirement and yourself today, with help from the Salesforce 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you
More informationYOUR GUIDE TO GETTING STARTED
Salesforce 401(k) Plan Invest in your retirement and yourself today, with help from the Salesforce 401(k) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you
More informationInvestment Options Guide for the new Lifespan 401(k) Retirement Savings Plan
Investment Options Guide for the new Lifespan 401(k) Retirement Savings Plan Refer to this Investment Options Guide for a fund description of each investment option that will be available in the new Lifespan
More informationCounty of Santa Clara Deferred Compensation Plan Investment Options Guide
County of Santa Clara Deferred Compensation Plan Investment Options Guide As described in the Transition Guide, after your Plan s transition to Fidelity is complete, your investment lineup will continue
More informationThe new fee deductions will appear as separate line items on your quarterly account statement.
March 2016 Re: Changes to the BMC Software, Inc. 401(k) Plan Dear BMC 401(k) Plan Participant: Your BMC 401(k) Plan (the Plan ) is a key benefit, and it s important that you re informed about changes to
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 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 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
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 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 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 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 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 informationThe Queen s Health Systems 403(b) Retirement Savings Plan Investment Options Guide
The Queen s Health Systems 403(b) Retirement Savings Plan Investment Options Guide As described in The Queen s Health Systems Transition Guide, after your Plan s transition to Fidelity is complete, your
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 informationYOUR GUIDE TO GETTING STARTED
Brandeis University Defined Contribution Retirement Plan Invest in your retirement and yourself today, with help from the Brandeis University 403(b) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest
More informationTUFTS UNIVERSITY RETIREMENT PLANS INVESTMENT OPTIONS PERFORMANCE UPDATE
TUFTS UNIVERSITY RETIREMENT PLANS INVESTMENT OPTIONS PERFORMANCE UPDATE AS OF JUNE 0, 2018 UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance data stated
More informationGEORGE WASHINGTON UNIVERSITY 403(B) RETIREMENT PLAN INVESTMENT OPTIONS PERFORMANCE UPDATE
GEORGE WASHINGTON UNIVERSITY 40(B) RETIREMENT PLAN INVESTMENT OPTIONS PERFORMANCE UPDATE UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance data stated
More informationBOWDOIN COLLEGE RETIREMENT PLAN INVESTMENT OPTIONS PERFORMANCE UPDATE
BOWDOIN COLLEGE RETIREMENT PLAN INVESTMENT OPTIONS PERFORMANCE UPDATE UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance data stated represents past performance,
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 informationGEORGE WASHINGTON UNIVERSITY 403(B) RETIREMENT PLAN INVESTMENT OPTIONS PERFORMANCE UPDATE
GEORGE WASHINGTON UNIVERSITY 40(B) RETIREMENT PLAN INVESTMENT OPTIONS PERFORMANCE UPDATE UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance data stated
More informationYOUR GUIDE TO GETTING STARTED
University System of Georgia Board of Regents Retirement Plan No. 95401- Online Enrollment Invest in your retirement and yourself today, with help from the Board of Regents Retirement Plan of the University
More informationSaving for the Future MONDELĒZ GLOBAL LLC TIP PLAN. Investment Options Guide
Saving for the Future MONDELĒZ GLOBAL LLC TIP PLAN Investment Options Guide Effective August 31, 2016 TARGET DATE FUNDS The Target Date Funds are designed as an all-in-one approach for participants looking
More informationYour Guide to Getting Started
The Piedmont Healthcare, Inc. 401(k) TomorrowPlan Invest in your retirement and yourself today, with help from the Piedmont Healthcare Inc. 401(k) Tomorrowplan and Fidelity. Your Guide to Getting Started
More informationTalent Logic, Inc. Employee Savings Plan
Talent Logic, Inc. Employee Savings Plan ENROLL NOW TO TAKE FULL ADVANTAGE OF YOUR RETIREMENT SAVINGS PLAN BENEFITS Save for retirement through Talent Logic, Inc. Employee Savings Plan easily, regularly,
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 informationYOUR GUIDE TO GETTING STARTED
Rochester Regional Health 401(k) Defined Contribution Plan Invest in your retirement and yourself today, with help from the Rochester Regional Health 401(k) Defined Contribution Plan and Fidelity. YOUR
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 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
Engility Master Savings Plan Invest in your retirement and yourself today, with help from Engility Master Savings Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for
More informationDuke Faculty and Staff Retirement Plan Investment Options Guide Effective as of May 2018
Duke Faculty and Staff Retirement Plan Investment Options Guide Effective as of May 2018 The Duke Faculty and Staff Retirement Plan ( Duke Retirement Plan ) investment lineup will include new investment
More informationVanderbilt University Medical Center Retirement Plan Enrollment Guide
Vanderbilt University Medical Center Retirement Plan Enrollment Guide Invest some of what you earn today for what you plan to accomplish tomorrow. The Vanderbilt University Medical Center (VUMC) offers
More informationChanges to the OhioHealth Retirement Savings Plan
March 2019 Re: Changes to the investments in the OhioHealth Retirement Savings Plan on April 30, 2019 Dear Associate: OhioHealth is committed to periodically reviewing the OhioHealth Retirement Savings
More informationYOUR GUIDE TO GETTING STARTED
Ensign Services, Inc. 401(k) Retirement Savings Plan Invest in your retirement and yourself today, with help from the Ensign Services, Inc. 401(k) Retirement Savings Plan and Fidelity. YOUR GUIDE TO GETTING
More informationinvestments that are right for you
Investment Options Rensselaer Polytechnic Institute Plan choosing investments that are right for you Your Rensselaer Polytechnic Institute Plan offers a variety of investment options. The question is,
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 informationYOUR GUIDE TO GETTING STARTED
THE OHIO STATE UNIVERSITY 403(b) RETIREMENT PLAN Invest in your retirement and yourself today, with help from The Ohio State University 403(b) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some
More informationCommunity Newspapers, Inc. Retirement Plan for Employees
Community Newspapers, Inc. Retirement Plan for Employees ENROLL NOW TO TAKE FULL ADVANTAGE OF YOUR RETIREMENT SAVINGS PLAN BENEFITS Save for retirement through Community Newspapers, Inc. Retirement Plan
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 informationBHI Energy 401(k) and Profit Sharing Plan ENROLL NOW TO TAKE FULL ADVANTAGE OF YOUR RETIREMENT SAVINGS PLAN BENEFITS YOUR GUIDE TO GETTING STARTED
BHI Energy 401(k) and Profit Sharing Plan ENROLL NOW TO TAKE FULL ADVANTAGE OF YOUR RETIREMENT SAVINGS PLAN BENEFITS YOUR GUIDE TO GETTING STARTED Save for retirement through BHI Energy 401(k) and Profit
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 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 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 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 informationPACCAR Inc Savings Investment Plan (SIP)
PACCAR Inc Savings Investment Plan (SIP) August 1, 2016 Dear PACCAR Employee, PACCAR provides excellent retirement benefits through its company-sponsored 401(k) plan the PACCAR Inc Savings Investment Plan
More informationUC Retirement Savings Plans Fund Descriptions (click on fund name to reach the specific fund description)
UC Retirement Savings Plans Fund Descriptions (click on fund name to reach the specific fund description) UC PATHWAY FUND UC Pathway Income Fund UC Pathway Fund 2015 UC Pathway Fund 2020 UC Pathway Fund
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 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 informationYOUR GUIDE TO GETTING STARTED
Savings Plus Plan, Lam Research 401(k) Invest in your retirement and yourself today, with help from Lam Research and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what
More informationDePaul University 403(b) Retirement Plan
Required Disclosure Information DePaul University 403(b) Retirement Plan Participant Disclosure Notice IMPORTANT PLAN AND INVESTMENT-RELATED INFORMATION FOR PLAN ACCOUNTS ESTABLISHED WITH FIDELITY This
More informationNo matter where you are in your journey, we can help you map out the retirement you envision.
UCHealth Retirement Savings Plans No matter where you are in your journey, we can help you map out the retirement you envision. Your guide to the investment changes effective January 2, 2018, in the UCHealth
More informationDePaul University 403(b) Retirement Plan
Required Disclosure Information DePaul University 403(b) Retirement Plan Participant Disclosure Notice IMPORTANT PLAN AND INVESTMENT-RELATED INFORMATION FOR PLAN ACCOUNTS ESTABLISHED WITH FIDELITY This
More informationUniversity of Southern California Hospital 401(k) Retirement Plan
Required Disclosure Information University of Southern California Hospital 401(k) Retirement Plan Participant Disclosure Notice IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION Produced on July 10, 2017.
More informationCORNELL UNIVERSITY TDA INVESTMENT OPTIONS PERFORMANCE UPDATE
CORNELL UNIVERSITY TDA INVESTMENT OPTIONS PERFORMANCE UPDATE UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance data stated represents past performance,
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 informationStart Investing in the New Investment Lineup. <Presenter name>
Start Investing in the New Investment Lineup AGENDA Workplace savings plan Key investing concepts Common investments Appropriate investment mix Your investment approach Benefits of investing
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 informationInvest Confidently for Your Future
Invest Confidently for Your Future OPENING Getting started Saving for retirement Buying a new home Helping pay for college Paying off debt OPENING Building and maintaining a portfolio STEP 1 STEP 2 STEP
More informationGlossary of General Investment-Related Terms
Glossary of General Investment-Related Terms 12b-1 Fee: A fee assessed on certain mutual funds or share classes permitted under an SEC rule to help cover the costs associated with marketing and selling
More informationUC Retirement Savings Plans Fund Descriptions (click on fund name to reach the specific fund description)
UC Retirement Savings Plans Fund Descriptions (click on fund name to reach the specific fund description) UC PATHWAY FUND UC Pathway Income Fund UC Pathway Fund 2015 UC Pathway Fund 2020 UC Pathway Fund
More informationYOUR GUIDE TO GETTING STARTED
Marshfield Clinic Employees' Retirement Plan For Staff hired or rehired after January 1, 2017 Invest in your retirement and yourself today, with help from the Marshfield Clinic Employees' Retirement Plan
More information1. Determine the investment approach that best matches your financial needs and goals
Investment Options Fidelity investment options for your Retirement Plan choosing investments that are right for you Your retirement plan offers a variety of investment options. The question is, how will
More informationYOUR GUIDE TO GETTING STARTED
Colorado State University 403(b) Plan, # 54192 Invest in your retirement and yourself today, with help from the CSU 403(b) Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn
More informationInvestment Terms Glossary
Investment Terms Glossary 12b-1 Fee: A fee assessed on certain funds and associated share classes permitted under an SEC rule to help cover the cost associated with marketing and selling the fund; 12b-1
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 informationYOUR GUIDE TO GETTING STARTED
Marathon Oil Company Thrift Plan Invest in your retirement and yourself today, with help from the Thrift Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you earn today for what you
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 informationYOUR GUIDE TO GETTING STARTED
The Varian Medical Systems, Inc. Retirement Plan Invest in your retirement and yourself today, with help from the Varian Medical Systems, Inc. Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED
More informationwelcome to the Fortive Retirement Savings Plan No matter where you are in your journey, we can help you map out the retirement you envision.
welcome to the Fortive Retirement Savings Plan No matter where you are in your journey, we can help you map out the retirement you envision. A Guide to the Transition Ahead We re committed to offering
More informationYour Guide to Getting Started
Louisiana State University System (LSU System) 403(b) Voluntary Retirement Plan Invest in your retirement and yourself today, with help from the LSU System 403(b) Plan and Fidelity. Your Guide to Getting
More informationGlossary Of Investment-Related Terms
Glossary Of Investment-Related Terms PART 1 General Investment-Related Terms 12b-1 Fee: A fee assessed on certain mutual funds or share classes permitted under an SEC rule to help cover the costs associated
More informationYOUR GUIDE TO GETTING STARTED
Albert Einstein College of Medicine, Inc. 403(b) Retirement Income Plan Invest in your retirement and yourself today, with help from the Einstein Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED
More informationChanges to the Plan 10/1/2018 Changes to the Plan 10/1/2018
Changes to the Plan 10/1/2018 Changes to the Plan 10/1/2018 1 Wesleyan University's 403(b)(7) Retirement Plan Changes 10/1/2018 Wesleyan University is pleased to introduce a new investment lineup to help
More informationUniversity of Southern California Hospital 401(k) Retirement Plan
Participant Disclosure Notice University of Southern California Hospital 401(k) Retirement Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION, INCLUDING THE PLAN S INVESTMENT OPTIONS, PERFORMANCE
More informationMay, Re: Changes to the State Universities Retirement System Self-Managed Plan
May, 2012 Re: Changes to the State Universities Retirement System Self-Managed Plan State Universities Retirement System reviews the investment options available through the SURS Self-Managed Plan to make
More information401(k) RETIREMENT SAVINGS PLAN
CHI 401(k) RETIREMENT SAVINGS PLAN Helping You Build Financial Security for Retirement CHI Healthy SPIRIT Physical and financial health and wellness SM Invest some of what you earn today for what you plan
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 informationSAMPLE GLOSSARY OF INVESTMENT-RELATED TERMS FOR DISCLOSURES TO RETIREMENT PLAN PARTICIPANTS (Version 1.01 April 26, 2012)
General Information SAMPLE GLOSSARY OF INVESTMENT-RELATED TERMS FOR DISCLOSURES TO RETIREMENT PLAN PARTICIPANTS (Version 1.01 April 26, 2012) The Sample Glossary of Investment-Related Terms for Disclosures
More informationSample Glossary Of Investment-Related Terms For Disclosures To Retirement Plan Participants
Sample Glossary Of Investment-Related Terms For Disclosures To Retirement Plan Participants Version 1.00 December 19, 2011 General Information SAMPLE GLOSSARY OF INVESTMENT-RELATED TERMS FOR DISCLOSURES
More informationUC Retirement Savings Plans Fund Descriptions (click on fund name to reach the specific fund description)
UC Retirement Savings Plans Fund Descriptions (click on fund name to reach the specific fund description) UC PATHWAY FUND UC Pathway Income Fund UC Pathway Fund 2015 UC Pathway Fund 2020 UC Pathway Fund
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 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 informationDetermining your investment mix
Determining your investment mix Ten minutes from now, you could know your investment mix. And if your goal is to choose investment options that you can be comfortable with, this is an important step. The
More informationAnnouncing Lower-Cost Funds with share class changes and the addition of Fidelity Freedom K Funds in Early May 2012
March, 2012 Announcing Lower-Cost Funds with share class changes and the addition of Fidelity Freedom K Funds in Early May 2012 Dear County of Sacramento 401(a) and Deferred Compensation Plan Participant:
More informationVentura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION
Ventura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION What s Inside COUNTY OF VENTURA maintains the Ventura County 401(k) Shared
More informationYOUR GUIDE TO GETTING STARTED
The Ohio State University Alternate Retirement Plan Invest in your retirement and yourself today, with help from The Ohio State University Alternate Retirement Plan and Fidelity. YOUR GUIDE TO GETTING
More informationStable Value Fund... Benchmark
Release Date: 3-31-214... Benchmark Morningstar Category Overall Morningstar Rating Morningstar Return Morningstar Risk BofAML US Treasury Bill 3 Mon Stable Value QQQ Average Low Rated against 43 Short-Term
More informationIBM 401(k) Plus Plan Fund Change Announcement
NetBenefits You and IBM netbenefits.com/ibm w3.ibm.com IBM Benefits Center Provided by Fidelity 866-937-0720 Deaf or Hard of Hearing Access 800-426-6537 International Access Dial your country s toll-free
More informationInvestment Policies and Objectives. of the
Investment Policies and Objectives of the Lower Colorado River Authority 401(k) Plan And the Lower Colorado River Authority Deferred Compensation Plan Effective as of August 17, 2015 The Lower Colorado
More informationGetting Started: Your UM Voluntary Retirement Plans 1/23/2018
Getting Started: Your UM Voluntary Retirement Plans 1/23/2018 Getting Started: University Of Missouri Voluntary Retirement Plans Take advantage of great savings and investment opportunities available for
More informationImportant Notice Concerning Your Transition to the Frontier Communications 401(k) Savings Plan
Important Notice Concerning Your Transition to the Frontier Communications 401(k) Savings Plan This notice is to inform you that you will become a participant in the Frontier Communications 401(k) Savings
More informationVentura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION
Ventura County 401(k) Shared Savings Plan and Ventura County Section 457 Plan IMPORTANT PLAN AND INVESTMENT- RELATED INFORMATION What s Inside COUNTY OF VENTURA maintains the Ventura County 401(k) Shared
More informationThis notice outlines a series of changes regarding the investment options under the DePaul University 403(b) Retirement Plan (the "Plan").
March 31, 2017 RE: Changes to the DePaul University 403(b) Investment Options Dear Eligible Plan Participant: This notice outlines a series of changes regarding the investment options under the DePaul
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 informationAs a result of a recent review, Central Michigan University has decided to make the following changes to the 403(b) Plan s investment lineup.
December, 2015 Re: Changes to the Central Michigan University 403(b) Plan Central Michigan University is committed to periodically reviewing the Central Michigan University 403(b) Plan (the Plan) to make
More informationwelcome to the IUOE Local 30 Annuity Plan Easy Enrollment Kit IUOE Local 30 Annuity Plan
Easy Enrollment Kit IUOE Local 30 Annuity Plan welcome to the IUOE Local 30 Annuity Plan You now have access to one of the best and most convenient ways to save for retirement the IUOE Local 30 Annuity
More informationNovember Re: Changes in the Baylor College of Medicine Retirement Plans. Dear Baylor College of Medicine Retirement Plan Participant:
November 2017 Re: Changes in the Baylor College of Medicine Retirement Plans Dear Baylor College of Medicine Retirement Plan Participant: Baylor College of Medicine is committed to providing employees
More information