Your University of Virginia Retirement Plan Transition Guide. A heritage of innovation to help you take on the future.
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1 Your University of Virginia Retirement Plan Transition Guide A heritage of innovation to help you take on the future _02_BRO_UVA_TBRO.indd 1
2 It s a great time to take advantage of your University of Virginia retirement benefits. The University of Virginia has selected Fidelity Investments and TIAA-CREF as our ongoing retirement service providers, effective October 19, This change is based on the work of the UVa Retirement Administrative Committee and follows a review of the retirement programs and recommendation process in light of new federal regulations that require greater oversight of investments and plan administration of retirement plans. Together with Fidelity and TIAA- CREF, UVa will offer a new level of service and a renewed commitment to help you prepare for retirement. Use this guide as a resource to help you make the best investment decisions for your future. Review the changes and familiarize yourself with the key dates so that you understand how your account may change during the transition period. Table of Contents There Are Some Exciting Changes Ahead 3 The Blackout Period 4 Important Dates 5 Investment Lineup Changes 6 8 How Your Vanguard Account Will Transfer 9 12 Next Steps _02_BRO_UVA_TBRO.indd 2
3 There are some exciting changes ahead. A New Investment Lineup several changes to our lineup have been made in order to provide a diversified range of low-cost mutual fund options from nationally recognized fund families, including Fidelity s mutual funds and target date funds along with 96% of the funds previously offered at Vanguard. Streamlined Number of Providers in October, Fidelity and TIAA-CREF will become our only two approved retirement service providers. Vanguard investors will continue to have access to their Vanguard investments through the Fidelity platform. Fidelity Freedom K Funds Fidelity s lower-cost lifecycle funds. Loans beginning October 19, 2011, UVa is offering the ability to take a loan through your Fidelity account. Loans were not previously available through Vanguard or Fidelity. In-person Guidance* dedicated representatives from each of our retirement providers are ready to meet with you on Grounds to help with managing your retirement account(s). Fidelity Investor Center access the Richmond, Va., Investor Center with professionals trained to know all about the University of Virginia plans. * Although consultations are one on one, guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions _02_BRO_UVA_TBRO.indd 3
4 The blackout period. In October you will no longer be able to maintain a Vanguard retirement account. Instead, the Vanguard fund lineup will become available on the Fidelity platform and your Vanguard account will be transferred to Fidelity. As part of the transition from Vanguard to Fidelity, you will have restricted account access, temporarily, if your account is currently held at Vanguard. This period during which you will be unable to exercise the transactional rights otherwise available is called a blackout period. During the blackout period, you will be unable to modify your investment holdings or take a distribution from the plans. There will be no blackout period for any accounts that are currently held with either Fidelity or TIAA-CREF. The blackout period is expected to begin on October 13, 2011, at 4 p.m. Eastern time and end the week of October 23, It is very important that you review and consider the appropriateness of your current investments in light of your inability to direct or diversify those investments during the blackout period. On October 19, 2011, your account balance will be invested in the new investment options at Fidelity according to the chart on pages If you do not want your investments to transfer this way, you must make an exchange in your current investment options at Vanguard before 4 p.m. Eastern time on October 13, If you do not make a change by this deadline, your account balance will transfer to the new investment options and you will not be able to make any changes until the blackout period has ended, (approximately the week of October 23, 2011). For your long-term retirement security, you should give careful consideration to the importance of a well-balanced and diversified investment portfolio, taking into account all your assets, income, and investments _02_BRO_UVA_TBRO.indd 4
5 Important dates. Please review the calendar of events below so that you can understand how account activities will be affected during the blackout period and conversion to Fidelity. This calendar will help you plan ahead for any actions you may want to take. Key date September and October Prior to October 13, 2011 Prior to 4 p.m. on October 13, 2011 October 13, 2011, 4 p.m. October 18, 2011, 4 p.m. October 19, 2011, 4 p.m. Week of October 23, 2011 November 30, 2011 November 2011 Plan activity One-on-one consultations and webcasts Fidelity and TIAA-CREF will be on Grounds in September and October to help answer your questions about the plan changes. Visit for a complete schedule of events and links to on-demand webcasts that you can view at your own pace, any time. Review your investments in your Vanguard account If you do not want your current investments at Vanguard to transfer to the new investment options at Fidelity as shown on pages 9-13, you must make an exchange in your Vanguard account before 4 p.m., Eastern time on October 13, Choose a retirement services provider During this time, you will have the opportunity to elect which of our two approved providers (Fidelity or TIAA-CREF) your Vanguard account will be directed to. If you would prefer to invest with TIAA-CREF, you will need to contact TIAA-CREF to initiate a plan-to-plan transfer of your account from Vanguard. If you prefer to invest with Fidelity, no action is required; your account will be transferred to Fidelity on October 19, Blackout period begins at Vanguard exchanges and distributions restricted The last day to make an exchange, change your contribution amount, or process a distribution through Vanguard is October 13, Valuation date Account balances will be valued after 4 p.m. Eastern time on October 18, Transition of accounts from Vanguard to Fidelity University of Virginia plan assets held at Vanguard are scheduled to be transferred to Fidelity according to the chart in the How your Vanguard account will transfer section on pages Full account access in your new account at Fidelity The University of Virginia Retirement Plans will open for all plan services through Fidelity Investments. You can now: Request exchanges among investment options Check your account balances Request loans, withdrawals, and distributions Visit or call to access your account or speak to a Fidelity representative. Beneficiary forms Any beneficiary information you currently have on file will not be transferred to Fidelity. Please complete the new beneficiary designation form included with this packet and return it to Fidelity in the envelope provided. New statement from Fidelity Once the transition is complete, you will receive off-cycle statements from both Vanguard and Fidelity showing the conversion of your account. Ongoing at Fidelity, quarterly account statements will be available online at starting with the fourth quarter cycle, available in January If you want to receive an reminder when your online statement is available each quarter, you will need to share your . A paper statement of your account may be requested at any time. The effective date of plan changes and the end of the blackout period depend upon the accurate, timely transfer of data. If this does not occur, the delivery of services and investment options described here could be delayed _02_BRO_UVA_TBRO.indd 5
6 Investment lineup changes. There will be a new investment lineup available to all employees with Fidelity accounts. The new lineup includes: The change of 16 existing Fidelity funds to lower share classes Addition of 94 funds previously available at Vanguard to the Fidelity platform The change of 40 Vanguard funds to lower share classes Removal of four Vanguard investments New share class information The current suite of 12 Fidelity Freedom Funds is being removed and will be replaced by the suite of Fidelity Freedom K Funds, effective at 4 p.m. Eastern time on October 4, The Fidelity Freedom K Funds are a new series of Fidelity target date retirement mutual funds. All existing balances and future contributions in the Fidelity Freedom Funds will be transferred to the Fidelity Freedom K Funds, as shown in the chart below. The Fidelity Freedom K Funds have the same management team, investment objectives, and invest in the same underlying funds as the Fidelity Freedom Funds. Because they are designed as Fidelity s institutional target date series of mutual funds, Fidelity Freedom K Funds have a lower expense ratio than the corresponding target date Fidelity Freedom Funds, resulting in lower expenses for plan participants. Similarly, there are four additional Fidelity Funds that will be replaced by Class K shares, resulting in lower expenses. The Fidelity funds with lower share classes are shown in the chart below. Current investment OPTION AT FIDELITY Fidelity Blue Chip Growth Fund Expense Ratio: 0.94% Fidelity Contrafund Expense Ratio: 0.92% Fidelity Diversified International Fund 1 * Expense Ratio: 0.98% Fidelity Freedom Income Fund Expense Ratio: 0.46% Fidelity Freedom 2000 Fund Expense Ratio: 0.47% Fidelity Freedom 2005 Fund Expense Ratio: 0.58% Fidelity Freedom 2010 Fund Expense Ratio: 0.62% Fidelity Freedom 2015 Fund Expense Ratio: 0.63% Fidelity Freedom 2020 Fund Expense Ratio: 0.69% NEW INVESTMENT OPTION AT FIDELITY Fidelity Blue Chip Growth Fund Class K Expense Ratio: 0.75% Fidelity Contrafund Class K Expense Ratio: 0.79% Fidelity Diversified International Fund Class K 1 Expense Ratio: 0.79% Fidelity Freedom K Income Fund Expense Ratio: 0.41% Fidelity Freedom K 2000 Fund Expense Ratio: 0.41% Fidelity Freedom K 2005 Fund Expense Ratio: 0.49% Fidelity Freedom K 2010 Fund Expense Ratio: 0.52% Fidelity Freedom K 2015 Fund Expense Ratio: 0.52% Fidelity Freedom K 2020 Fund Expense Ratio: 0.56% _02_BRO_UVA_TBRO.indd 6
7 Current investment OPTION AT FIDELITY Fidelity Freedom 2025 Fund Expense Ratio: 0.73% Fidelity Freedom 2030 Fund Expense Ratio: 0.75% Fidelity Freedom 2035 Fund Expense Ratio: 0.77% Fidelity Freedom 2040 Fund Expense Ratio: 0.78% Fidelity Freedom 2045 Fund Expense Ratio: 0.79% Fidelity Freedom 2050 Fund Expense Ratio: 0.80% Not applicable Fidelity Low-Priced Stock Fund 2 * Expense Ratio: 0.99% NEW INVESTMENT OPTION AT FIDELITY Fidelity Freedom K 2025 Fund Expense Ratio: 0.59% Fidelity Freedom K 2030 Fund Expense Ratio: 0.61% Fidelity Freedom K 2035 Fund Expense Ratio: 0.63% Fidelity Freedom K 2040 Fund Expense Ratio: 0.63% Fidelity Freedom K 2045 Fund Expense Ratio: 0.64% Fidelity Freedom K 2050 Fund Expense Ratio: 0.65% Fidelity Freedom K 2055 Fund (New!) Expense Ratio: 0.67% Fidelity Low-Priced Stock Fund Class K 2 Expense Ratio: 0.85% The transfer of assets depends on the timely liquidation and delivery of assets from Vanguard. A delay may result in a change to the above noted dates. Expense ratio data as of August 16, This fund assesses a short-term trading fee of 1.00% for shares held less than 30 days. 2 This fund assesses a short-term trading fee of 1.50% for shares held less than 90 days. *A short-term trading fee will not be charged as part of this reallocation, but existing short-term trading fee periods (if any) will move from the transferring fund to the Class K fund. If you request a change either before or after this transition without satisfying the required holding period, you may incur a short-term trading fee _02_BRO_UVA_TBRO.indd 7
8 Vanguard funds available through Fidelity You will also have access to 94 funds that were previously available at Vanguard on the Fidelity platform, 40 of which will have a lower-cost share class. This will be a move to the Institutional, Admiral, or Signal share classes. Because this will be a share class change only, it will not change the fund s investment objective or strategy but will benefit plan participants by providing a lower expense ratio. Please see the chart on the following pages for details. Investment options no longer available The following investment options will no longer be offered in the University of Virginia Retirement Plans. Any balances you have invested in these funds will be transferred from Vanguard to Fidelity as shown below on October 19, Your future contributions, if any, will also transfer to the funds listed below unless you direct otherwise. Current Investment Option at Vanguard Vanguard Emerging Markets Stock Index Fund Investor Shares Vanguard FTSE All-World ex-us Small-Cap Index Fund Investor Shares New Investment Option at Fidelity Northern Trust Emerging Markets Equity Index Fund 1 Vanguard International Explorer Fund Investor Shares 2 Vanguard Retirement Savings Trust VIII Managed Income Portfolio Vanguard Total World Stock Index Fund Investor Shares 2 Vanguard Global Equity Fund Investor Shares The transfer of assets depends on the timely liquidation and delivery of assets from Vanguard. A delay may result in a change to the above noted dates. 1 This fund assesses a short-term trading fee of 2.00% for shares held less than 30 days. 2 This fund assesses a short-term trading fee of 2.00% for shares held less than 60 days _02_BRO_UVA_TBRO.indd 8
9 How your Vanguard account will transfer. On October 19, 2011, your Vanguard account balance will be transferred to a Fidelity account (unless you proactively opt to transfer your account to TIAA-CREF before October 13, 2011) and invested in the funds shown in the chart below and on the following pages. If you do not want your investments to transfer this way, you must make an exchange in your current investment options at Vanguard before 4 p.m. Eastern time on October 13, 2011, when the blackout period begins. Exchanges may also be requested by contacting Fidelity once the conversion is complete, approximately the week of October 23, Current Investment Option at Vanguard New Investment Option at Fidelity Allianz NFJ Dividend Value Fund Administrative Class No Change Invesco Real Estate Fund Institutional Class No Change Keeley Small Cap Value Fund Class I No Change MainStay High Yield Corporate Bond Fund Class I No Change PIMCO High Yield Fund Administrative Class No Change PIMCO Real Return Fund Administrative Class No Change PIMCO Total Return Fund Administrative Class No Change Thornburg International Value Fund Class R5 No Change Vanguard 500 Index Fund Investor Class* Expense Ratio: 0.17% Vanguard Admiral Treasury Money Market Fund Investor Class Vanguard Institutional Index Fund Institutional Shares Expense Ratio: 0.04% No Change 4 Vanguard Asset Allocation Fund Investor Shares No Change Vanguard Balanced Index Fund Investor Shares* Vanguard Capital Opportunity Fund Investor Shares* 1 Expense Ratio: 0.48% Vanguard Capital Value Fund Investor Shares No Change Vanguard Convertible Securities Fund Investor Shares 1 No Change 1 Vanguard Developed Markets Index Fund Investor Shares 2 No Change 2 Vanguard Diversified Equity Fund Investor Shares No Change Vanguard Balanced Index Fund Signal Shares Expense Ratio: 0.12% Vanguard Capital Opportunity Fund Admiral Shares 1 Expense Ratio: 0.41% Vanguard Dividend Appreciation Index Fund Investor Shares No Change Vanguard Dividend Growth Fund Investor Shares No Change Vanguard Energy Fund Investor Shares* 1 Expense Ratio: 0.34% Vanguard Equity-Income Fund Investor Shares* Expense Ratio: 0.31% Vanguard European Stock Index Fund Investor Shares* 2 Vanguard Explorer Fund Investor Class* Expense Ratio: 0.49% Vanguard Energy Fund Admiral Shares 1 Expense Ratio: 0.28% Vanguard Equity-Income Fund Admiral Shares Vanguard European Stock Index Fund Signal Shares 2 Expense Ratio: 0.14% Vanguard Explorer Fund Admiral Shares Expense Ratio: 0.32% _02_BRO_UVA_TBRO.indd 9
10 Current Investment Option at Vanguard New Investment Option at Fidelity Vanguard Extended Market Index Fund Investor Shares* Expense Ratio: 0.30% Vanguard FTSE All-World ex-us Index Fund Investor Shares 2 Vanguard Extended Market Index Fund Signal Shares Expense Ratio: 0.16% No Change 2 Vanguard FTSE Social Index Fund Investor Shares No Change Vanguard Federal Money Market Fund Investor Class No Change 4 Vanguard GNMA Fund Investor Shares* Expense Ratio: 0.23% Vanguard Global Equity Fund Investor Shares No Change Vanguard Growth Equity Fund Investor Shares No Change Vanguard Growth Index Fund Investor Shares* Vanguard Growth and Income Fund Investor Shares* Expense Ratio: 0.32% Vanguard Health Care Fund Investor Shares* 1 Expense Ratio: 0.35% Vanguard High Dividend Yield Index Fund Investor Shares No Change Vanguard GNMA Fund Admiral Shares Expense Ratio: 0.11% Vanguard Growth Index Fund Signal Shares Expense Ratio: 0.12% Vanguard Growth and Income Fund Admiral Shares Expense Ratio: 0.21% Vanguard Health Care Fund Admiral Shares 1 Expense Ratio: 0.30% Vanguard High-Yield Corporate Fund Investor Shares* 1 Expense Ratio: 0.25% Vanguard Inflation-Protected Securities Fund Investor Shares* Vanguard Intermediate-Term Bond Index Fund Investor Shares* Vanguard Intermediate-Term Investment-Grade Fund Investor Shares* Vanguard Intermediate-Term Treasury Fund Investor Shares* Vanguard High-Yield Corporate Fund Admiral Shares 3 Expense Ratio: 0.13% Vanguard Inflation-Protected Securities Fund Admiral Shares Expense Ratio: 0.11% Vanguard Intermediate-Term Bond Index Fund Signal Shares Expense Ratio: 0.11% Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares Expense Ratio: 0.10% Vanguard Intermediate-Term Treasury Fund Admiral Shares Expense Ratio: 0.10% Vanguard International Explorer Fund Investor Shares 2 No Change 2 Vanguard International Growth Fund Investor Shares* 2 Expense Ratio: 0.51% Vanguard International Growth Fund Admiral Shares 2 Expense Ratio: 0.35% Vanguard International Value Fund Investor Shares 2 No Change 2 Vanguard Large-Cap Index Fund Investor Shares* Vanguard LifeStrategy Conservative Growth Fund Investor Shares Vanguard Large Cap Index Fund Signal Shares Expense Ratio: 0.12% No Change Vanguard LifeStrategy Growth Fund Investor Shares No Change Vanguard LifeStrategy Income Fund Investor Shares No Change Vanguard LifeStrategy Moderate Growth Fund Investor Shares No Change Vanguard Long-Term Bond Index Fund Investor Shares No Change _02_BRO_UVA_TBRO.indd 10
11 Current Investment Option at Vanguard New Investment Option at Fidelity Vanguard Long-Term Investment-Grade Fund Investor Shares* Expense Ratio: 0.24% Vanguard Long-Term US Treasury Fund Investor Shares Vanguard Mid-Cap Growth Fund Investor Shares No Change Vanguard Mid-Cap Growth Index Fund Investor Shares No Change Vanguard Mid-Capitalization Index Fund Investor Shares* Vanguard Mid-Cap Value Index Fund Investor Shares No Change Vanguard Morgan Growth Fund Investor Shares* Expense Ratio: 0.44% Vanguard PRIMECAP Core Fund Investor Shares 3 No Change 3 Vanguard Long-Term Investment-Grade Fund Admiral Shares Expense Ratio: 0.12% Vanguard Long-Term US Treasury Fund Admiral Shares Expense Ratio: 0.10% Vanguard Mid-Cap Index Fund Signal Shares Expense Ratio: 0.12% Vanguard Morgan Growth Fund Admiral Shares Expense Ratio: 0.30% Vanguard PRIMECAP Fund Investor Shares* 1 Expense Ratio: 0.45% Vanguard PRIMECAP Fund Admiral Shares 3 Expense Ratio: 0.36% Vanguard Pacific Stock Index Fund Investor Shares* 2 Vanguard Precious Metals and Mining Fund Investor Shares 1 Vanguard Pacific Stock Index Fund Signal Shares 2 Expense Ratio: 0.14% No Change 1 Vanguard Prime Money Market Fund Investor Class No Change Vanguard REIT Index Fund Investor Shares* 1 Vanguard REIT Index Fund Signal Shares 3 Expense Ratio: 0.12% Vanguard Selected Value Fund Investor Shares 3 No Change 3 Vanguard Short-Term Bond Index Fund Investor Shares* Vanguard Short-Term Federal Fund Investor Shares* Vanguard Short-Term Investment-Grade Fund Investor Shares* Vanguard Short-Term Treasury Fund Investor Shares* Vanguard Small Capitalization Index Fund Investor Shares* Expense Ratio: 0.31% Vanguard Small Capitalization Growth Index Fund Investor Shares Vanguard Short-Term Bond Index Fund Signal Shares Expense Ratio: 0.11% Vanguard Short-Term Federal Fund Admiral Shares Expense Ratio: 0.10% Vanguard Short-Term Investment-Grade Fund Admiral Shares Expense Ratio: 0.11% Vanguard Short-Term Treasury Fund Admiral Shares Expense Ratio: 0.10% Vanguard Small Cap Index Fund Signal Shares Expense Ratio: 0.17% No Change Vanguard Small Capitalization Value Index Fund No Change Vanguard STAR Fund Investor Shares No Change Vanguard Strategic Equity Fund Investor Shares No Change Vanguard Strategic Small-Cap Equity Fund Investor Shares No Change Vanguard Target Retirement 2005 Fund Investor Shares No Change Vanguard Target Retirement 2010 Fund Investor Shares No Change Vanguard Target Retirement 2015 Fund Investor Shares No Change _02_BRO_UVA_TBRO.indd 11
12 Current Investment Option at Vanguard New Investment Option at Fidelity Vanguard Target Retirement 2020 Fund Investor Shares No Change Vanguard Target Retirement 2025 Fund Investor Shares No Change Vanguard Target Retirement 2030 Fund Investor Shares No Change Vanguard Target Retirement 2035 Fund Investor Shares No Change Vanguard Target Retirement 2040 Fund Investor Shares No Change Vanguard Target Retirement 2045 Fund Investor Shares No Change Vanguard Target Retirement 2050 Fund Investor Shares No Change Vanguard Target Retirement 2055 Fund Investor Shares No Change Vanguard Target Retirement Income Fund Investor Shares No Change Vanguard Total Bond Market Index Fund Investor Shares* Vanguard Total International Stock Index Fund Investor Shares* 2 Vanguard Total Stock Market Index Fund Investor Shares* Expense Ratio: 0.18% Vanguard U.S. Growth Portfolio Fund Investor Shares* Expense Ratio: 0.48% Vanguard U.S. Value Fund Investor Shares No Change Vanguard Value Index Fund Investor Shares* Vanguard Wellesley Income Fund Investor Shares* Expense Ratio: 0.28% Vanguard Wellington Fund Investor Shares* Expense Ratio: 0.30% Vanguard Windsor Fund Investor Shares* Expense Ratio: 0.33% Vanguard Total Bond Market Index Fund Signal Shares Expense Ratio: 0.11% Vanguard Total International Stock Index Fund Signal Shares 2 Expense Ratio: 0.20% Vanguard Total Stock Market Index Fund Institutional Shares Expense Ratio: 0.06% Vanguard U.S. Growth Fund Admiral Shares Expense Ratio: 0.32% Vanguard Value Index Fund Signal Shares Expense Ratio: 0.12% Vanguard Wellesley Income Fund Admiral Shares Expense Ratio: 0.21% Vanguard Wellington Fund Admiral Shares Vanguard Windsor Fund Admiral Shares Vanguard Windsor II Fund Investor Shares* Expense Ratio: 0.35% Vanguard Windsor II Fund Admiral Shares Expense Ratio: 0.27% * The transfer of assets depends on the timely liquidation and delivery of assets from Vanguard. A delay may result in a change to the above noted dates. Expense ratio data as of August 16, This fund assesses a short-term trading fee of 1.00% for shares held less than 364 days. 2 This fund assesses a short-term trading fee of 2.00% for shares held less than 60 days. 3 This fund assesses a short-term trading fee of 1.00% for shares held less than 365 days. 4 This fund is frozen to new investments. While many accounts may need to be liquidated, then reinvested into the new investment option, UVa may determine, based on various factors, that a reregistration, or in-kind transfer, is appropriate. Please be aware that the transfer methodology may vary by individual investment option. Therefore, certain investment options may be out of the market for a day or more, while others are able to remain fully invested during the transition. Keep in mind that the chart above contains changes for all the UVa Plans at Fidelity. Because each plan has a slightly different investment lineup, you may not be eligible to invest in all the options shown above. Once the blackout period is complete, your account through Fidelity NetBenefits will show the specific fund list available to you at a plan level _02_BRO_UVA_TBRO.indd 12
13 Next steps. Complete the new beneficiary designation form. Review your investments at Vanguard. Review the Investment Guide brochure included in this packet. Attend a webcast. Meet with a Fidelity Workplace Planning and Guidance Consultant. Register your address online. Your beneficiary designation at Vanguard will not transfer to Fidelity, so you will need to complete a new designation by completing the form included in this packet. Return it to Fidelity in the postage-paid envelope by November 30, In light of your inability to make changes in your Vanguard account during the blackout period (October 13 October 19), we suggest you review your current investment holdings to ensure you are comfortable with how your current investment holdings will transfer to Fidelity from Vanguard (if you elected Fidelity as your investment service provider or made no vendor election). Be sure to make any modifications in your Vanguard account before 4 p.m. Eastern time on October 13, The accompanying brochure in this packet contains the new investment lineup offered through Fidelity. In this brochure you will find complete descriptions for all investments offered in the plans as of October 5, Visit for the most up-to-date schedule for events on Grounds plus links to view a prerecorded session at your own pace. Call Fidelity at , option 1, or visit atwork/uva/htm to schedule a one-on-one appointment at a time that s convenient for you, or if you live or work near the Richmond area, visit the Fidelity Investor Center in Glenn Allen, Va. Share your address in your online account in order to receive important benefits information electronically. Log on to your account at Go to Your Profile and click on Address. Before investing in any investment options, please carefully consider the investment objectives, risks, charges, and expenses. For this and other information call Fidelity at or visit www. fidelity.com for a free mutual fund prospectus or, if available, a summary prospectus. For information on fixed annuities, contact Fidelity to request a fact sheet. Read them carefully before you invest _02_BRO_UVA_TBRO.indd 13
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16 Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money. It is your responsibility to select and monitor your investments to make sure they continue to reflect your financial situation, risk tolerance, and time horizon. Most investment professionals suggest that you reexamine your investment strategy at least annually or when your situation changes. In addition, you may want to consult an investment advisor regarding your specific situation. Be sure you understand the plan guidelines and impact of taking a loan before initiating a loan from your plan account. Please be sure you understand the tax consequences of any withdrawal from the plans. This document provides only a summary of the main features of the University of Virginia Retirement Plans, and the Plan documents will govern in the event of any discrepancy. Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. Eastern time, or on weekends or holidays, will receive the next available closing prices. The investment options available through the plans reserve the right to modify or withdraw the exchange privilege. For a mutual fund, the expense ratio is the total annual fund or class operating expenses (before waivers or reimbursements) paid by the fund and stated as a percentage of the fund s total net assets. Where the investment option is not a mutual fund, the figure displayed in the expense ratio field is intended to reflect similar information. However, it may have been calculated using methodologies that differ from those used for mutual funds. Mutual fund data has been drawn from the fund s prospectus. For non mutual fund investment options, the information has been provided by the plan sponsor or investment option s manager or the trustee. When no ratio is shown for these options, it is because none was available. Nevertheless, there may be fees and expenses associated with the investment option. Expense information changes periodically. Please consult NetBenefits for updates. Fidelity Brokerage Services LLC, Member NYSE, SIPC 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved _02_BRO_UVA_TBRO.indd 16
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