Important changes to your Teleflex 401(k) Savings Plan
|
|
- Gabriella Stevens
- 6 years ago
- Views:
Transcription
1 Important changes to your Teleflex 401(k) Savings Plan
2 Upcoming Changes Teleflex continually reviews your 401(k) Savings Plan (the Plan ), its features, and the investment lineup to help ensure your Plan remains an effective tool in saving for your retirement. As a result of the most recent review, your Plan will undergo several important changes effective at 4 p.m., Eastern time, on January 27, If you invest in or contribute to any of the investments being removed, your money and future contributions will move automatically as shown in the Investment changes section, unless you make a change before 4 p.m., Eastern time, on January 27, You are not required to take any action, but we encourage you to familiarize yourself with the changes so that you can take full advantage of your Plan s offerings. The changes include: Lower-cost investing. To help keep the Plan s overall costs low, several investments in the Plan s lineup will either be replaced with different investment options that have lower expense ratios or will move to the corresponding lower-cost share class of the same investment. New investment categories. The Plan will add ten new investments that will provide a broader range of investment categories for you to choose from, including the addition of several domestic stock funds, global stock funds, a real estate fund, and more. A change to the plan administration fee. Along with the investment changes, you will also notice a new line item on your quarterly Plan account statement. This line item reflects your annual fee as a participant in the Plan, which will be charged to you as $10 quarterly. Keep in mind that while this separate fee will now be charged to you directly, the investment changes to the lower-cost share classes may result in paying less in Plan fees overall. Since investment fees are deducted directly from investment returns (reflected in the investment s expense ratio), paying less in investment fees can increase the net return on your investments, meaning the potential increase on your overall investment returns can outweigh the quarterly $10 Plan fee. 2
3 Lower-cost investing Replacing certain investments in your Plan with investment options that have lower expense ratios can reduce the costs for you to invest in your Plan. The benefits of lower expense ratios When you invest in a fund or trust, a percentage of your investment is used to pay the cost of managing and operating the fund or trust; these expenses are reflected in the investment s expense ratio. The expense ratio is expressed as a percentage of the investment s assets, as of the most recent prospectus or trust document of the fiscal year. Because the expense ratio is deducted directly from the investment returns, a smaller expense ratio can increase the net return on your investment. While the difference may not be noticeable in the short term, the advantage of a lower expense ratio becomes increasingly evident the more you save and the longer you invest. 3
4 Investment changes To find detailed information about any of the new investments being added to the plan, including investment objectives, risks, charges, expenses, and prospectuses, search the investment name in the search field on vanguard.com. You can also access this information from the Plan News section of your Plan's homepage when you log on to your account. You can also view your Plan s current lineup at /PubFundChart/teleflex/7515. Your Plan s lineup, found at the link above, will show the current investment lineup until the changes go into effect at 4 p.m., Eastern time, on January 27, After that time, your Plan s lineup will be updated with the following changes. Ten new investments The following ten investments will be added to your Plan s lineup: Vanguard Retirement Savings Trust III, a stable value trust, seeks to provide current and stable income, while maintaining a stable share value of $1. Delaware Value Fund Class R6, a domestic stock fund, seeks long-term capital appreciation. Metropolitan West Total Return Bond Fund P Class seeks to maximize long-term total return. JPMorgan Small Cap Equity Fund Class R6, a domestic stock fund, seeks capital growth over the long term. Vanguard Small-Cap Index Fund Admiral Shares, a domestic stock fund, seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks. American Funds New World Fund Class R6, an international stock fund, seeks long-term capital appreciation. American Funds New Perspective Fund Class R-6, a global stock fund, seeks long-term growth of capital; future income is a secondary objective. Vanguard Inflation-Protected Securities Fund Admiral Shares, a bond fund, seeks to provide investors inflation protection and income consistent with investment in inflation-indexed securities. 4 Vanguard REIT Index Fund Admiral Shares, a real estate stock fund, seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity real estate investment trusts (REITs).
5 Vanguard Total World Stock Index Fund, a global stock fund, seeks to track the performance of a benchmark index that measures the investment return of global stocks. Six funds available at a lower cost The following six funds in the lineup will move to their corresponding lower-cost share class. The fund itself is not changing, it is simply moving to a share class that has a lower expense ratio: Vanguard Total Bond Market Index Fund Vanguard Wellington Fund Vanguard Explorer Fund Vanguard Morgan Growth Fund Vanguard 500 Index Fund Vanguard International Growth Fund Replacing four investment options The following four investment options will be removed from the lineup and replaced with four new investment options. Please see pages 7 and 8 for the complete table of fund changes, showing how your money will move. To find detailed information about any of the new investments being added to the plan, including investment objectives, risks, charges, expenses, and prospectuses, search the investment name in the search field on vanguard.com/retirementplans. Investment option being removed Investment option being added as replacement Vanguard Retirement Savings Trust IV Vanguard Retirement Savings Trust III Vanguard Windsor Fund PIMCO Total Return Fund Institutional Class Royce Total Return Fund Service Class Delaware Value Fund Class R6 Metropolitan West Total Return Bond Fund P Class JPMorgan Small Cap Equity Fund Class R6 5
6 Target Retirement Funds Additionally, the 12 Funds in the Plan s lineup will be replaced by lower-cost Retirement Funds. Funds seek capital appreciation and current income consistent with their current asset allocations. Each Institutional Target Retirement Fund has the same asset mix and underlying Vanguard funds as its corresponding Fund. The key difference is that the Institutional counterparts invest in lower-cost share classes of their underlying Vanguard funds, and therefore have lower expense ratios. Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date. If you have money moving into these funds, it will be directed to the date-specific Retirement Fund corresponding to your birth year as shown in the table below. Birth year Fund name Ticker 1942 or earlier Institutional Target Retirement Income Fund VITRX Institutional Target Retirement 2010 Fund VIRTX Institutional Target Retirement 2015 Fund VITVX Institutional Target Retirement 2020 Fund VITWX Institutional Target Retirement 2025 Fund VRIVX Institutional Target Retirement 2030 Fund VTTWX Institutional Target Retirement 2035 Fund VITFX Institutional Target Retirement 2040 Fund VIRSX Institutional Target Retirement 2045 Fund VITLX Institutional Target Retirement 2050 Fund VTRLX Institutional Target Retirement 2055 Fund VIVLX 1993 or later Institutional Target Retirement 2060 Fund VILVX 46
7 How your money will move The following table compares the investments that will be removed from the lineup and those that will be added to replace them. If you invest in or contribute to any of the investments being removed, your money and future contributions will move automatically as shown below, unless you make a change before 4 p.m., Eastern time, on January 27, Current investment Expense ratio* New investment Expense ratio* Savings per $10,000 invested Vanguard Total Bond Market Index Fund Investor Shares 0.16% Vanguard Total Bond Market Index Fund Admiral Shares 0.06% $10 Vanguard Wellington Fund Investor Shares 0.26% Vanguard Wellington Fund Admiral Shares 0.18% $8 Vanguard Explorer Fund Investor Shares 0.49% Vanguard Explorer Fund Admiral Shares 0.35% $14 Vanguard Morgan Growth Fund Investor Shares 0.40% Vanguard Morgan Growth Fund Admiral Shares 0.27% $13 Vanguard 500 Index Fund Investor Shares* 0.16% Vanguard Institutional Index Fund Institutional Shares* 0.04% $12 Vanguard International Growth Fund Investor Shares 0.47% Vanguard International Growth Fund Admiral Shares 0.34% $13 Vanguard Retirement Savings Trust IV 0.42% Vanguard Retirement Savings Trust III 0.37% $5 PIMCO Total Return Fund Institutional Class 0.47% Metropolitan West Total Return Bond Fund P Class 0.38% $9 Royce Total Return Fund Service Class 1.50% JPMorgan Small Cap Equity Fund Class R6 0.77% $73 Vanguard Windsor Fund Investor Shares 0.39% Delaware Value Fund Class R6 0.62% Income Fund 0.14% Retirement Income Fund 0.10% $ Fund 0.14% Retirement 2010 Fund 0.10% $4 7 5
8 Current investment Expense ratio* New investment Expense ratio* Savings per $10,000 invested 2015 Fund 0.14% Retirement 2015 Fund 0.10% $ Fund 0.14% Retirement 2020 Fund 0.10% $ Fund 0.15% Retirement 2025 Fund 0.10% $ Fund 0.15% Retirement 2030 Fund 0.10% $ Fund 0.15% Retirement 2035 Fund 0.10% $ Fund 0.16% Retirement 2040 Fund 0.10% $ Fund 0.16% Retirement 2045 Fund 0.10% $ Fund 0.16% Retirement 2050 Fund 0.10% $ Fund 0.16% Retirement 2055 Fund 0.10% $ Fund 0.16% Retirement 2060 Fund 0.10% $6 *Vanguard Institutional Index Fund Institutional Shares represents investments in the same portfolio of securities as Vanguard 500 Index Fund Investor Shares, but at a lower cost. Source: Vanguard, as of September 30,
9 A note about risk All investing is subject to risk, including the possible loss of the money you invest. While U.S. Treasury or government agency securities provide substantial protection against credit risk, they do not protect investors against price changes due to changing interest rates. Unlike stocks and bonds, U.S. Treasury bills are guaranteed as to the timely payment of principal and interest. Bond funds are subject to the risk that an issuer will fail to make payments on time, and that bond prices will decline because of rising interest rates or negative perceptions of an issuer s ability to make payments. Prices of small-cap stocks often fluctuate more than those of large-company stocks. Investments in stocks or bonds issued by non-u.s. companies are subject to risks including country/regional risk and currency risk. 9
10 Transparent Plan administration fees There are costs associated with administering retirement plans, including recordkeeping fees, trustee services, and customer service support. The Plan s administrative costs will be separated from the investment expense ratios, making it easier for you to see what you pay to participate in the Plan. What is the change? Currently, Plan administrative fees and fund management expenses are combined into one charge representing part of each investment s expense ratio. Effective January 27, 2017, these administration costs will no longer be paid from the investments expense ratios. You will instead pay a $40 annual fee (paid quarterly as $10). When will I see the separate administration fee? The administrative fee will first appear as a separate line item on your first-quarter 2017 account statement, which you will receive in April This portion of the Plan s total administrative costs was previously included in the investments expense ratios. What s the benefit? While this is going to be a separate fee charged to you directly, the change to the lower-cost share classes and investment changes may result in paying less in overall fees. Since investment fees are deducted directly from investment returns, paying less in these investment fees can increase the net return on your investments, meaning the potential increase on your overall investment returns may outweigh the $10 per quarter charge. This will also provide you with a better picture of the cost you pay for Plan administration. That s because you will now see a separate line item on your statements for the actual dollar amount of administrative fees charged to your account, instead of bundling them into the expense ratios of your investments. 210
11 Connect with Vanguard You can access your account and conduct transactions in any of these ways: Online. Log on to your account at vanguard.com/retirementplans. Not yet registered for immediate, secure online account access? You will need your Plan number, On your mobile device. Go to vanguard.com/bemobile to download the Vanguard app so you can access your account on the go. By phone. Call to reach Vanguard s 24-hour interactive VOICE Network. You ll need your Social Security number and a personal identification number (PIN) to use VOICE. To create a PIN, follow the prompts. Or you can speak with a Vanguard Participant Services associate Monday through Friday from 8:30 a.m. to 9 p.m., Eastern time. Join the Vanguard community on our social media channels. You ll have access to Vanguard experts and be able to get up-to-the-minute news and views, attend live web events, participate in live chats, and interact with other Vanguard investors. No action is required on your part Effective at 4 p.m., Eastern time, on January 27, 2017, the changes mentioned in this newsletter will go into effect. No action is required by you. Nevertheless, this may be a good time to review your investments to be sure they are in line with your goals. 11
12 Connect with Vanguard vanguard.com/retirementplans > For more information about any fund, including investment objectives, risks, charges, and expenses, call Vanguard at to obtain a prospectus or, if available, a summary prospectus. The prospectus contains this and other important information about the fund. Read and consider the prospectus information carefully before you invest. You can also download fund prospectuses at vanguard.com. A stable value investment is neither insured nor guaranteed by the U.S. government. There is no assurance that the investment will be able to maintain a stable net asset value, and it is possible to lose money in such an investment. Vanguard Retirement Savings Trust III and IV are not mutual funds. They are collective trusts available only to tax-qualified plans and their eligible participants. Investment objectives, risks, charges, expenses, and other important information should be considered carefully before investing. The collective trust mandates are managed by Vanguard Fiduciary Trust Company, a wholly owned subsidiary of The Vanguard Group, Inc. Participant Education P.O. Box 2900 Valley Forge, PA The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor of the Vanguard Funds. BBBBLMCN
GREAT NEWHOME FOR YOUR RETIREMENT MONEY. Hexagon Employee Retirement Savings Plan
AAGREAT GREAT NEW NEWHOME HOME FOR YOUR RETIREMENT MONEY Hexagon Employee Retirement Savings Plan Your retirement plan is moving to a great new home At Hexagon, helping you achieve a comfortable retirement
More informationGREAT NEWHOME FOR YOUR RETIREMENT MONEY. Hexagon Employee Retirement Savings Plan
AAGREAT GREAT NEW NEWHOME HOME FOR YOUR RETIREMENT MONEY Hexagon Employee Retirement Savings Plan Your retirement plan is moving to a great new home At Hexagon, helping you achieve a comfortable retirement
More informationGREAT NEWHOME FOR YOUR RETIREMENT MONEY. Hexagon Employee Retirement Savings Plan
AAGREAT GREAT NEW NEWHOME HOME FOR YOUR RETIREMENT MONEY Hexagon Employee Retirement Savings Plan Your retirement plan is moving to a great new home At Hexagon, helping you achieve a comfortable retirement
More informationDon t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103)
Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan (099103) ! Don t come up short When it comes to your retirement savings, you don t want
More informationStart saving for your future. When you enroll in your plan, you can choose the investments that are right for you.
Start saving for your future When you enroll in your plan, you can choose the investments that are right for you. Three great reasons to join your retirement plan Do your future self a favor and join The
More informationGREAT NEWHOME FOR YOUR RETIREMENT MONEY. Hexagon Employee Retirement Savings Plan
AAGREAT GREAT NEW NEWHOME HOME FOR YOUR RETIREMENT MONEY Hexagon Employee Retirement Savings Plan Your retirement plan is moving to a great new home At Hexagon, helping you achieve a comfortable retirement
More informationInvestment changes are coming to your retirement plan
Investment changes are coming to your retirement plan Table of contents Page 2 About the investment changes Page 4 Your closing funds Page 5 What the fund closures mean to you Page 6 About the Vanguard
More informationLower-cost investing coming soon
Lower-cost investing coming soon A valuable benefit keeps getting better The University of North Carolina (UNC) System retirement programs are one of the great benefits you have as an employee, giving
More informationDon t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan - Hourly (099103)
Don t wait for the Check retirement savings light to come on. Enroll today. BorgWarner Inc. Retirement Savings Plan - Hourly (099103) ! Don t come up short When it comes to your retirement savings, you
More informationInvestment changes coming to your retirement plan
P.O. Box 2900 Valley Forge, PA 19482-2900 www.vanguard.com Investment changes coming to your retirement plan This fall, the investment lineup of the Villanova University Retirement Savings Plans will change.
More informationFocus on investing for your future
Focus on investing for your future Read on to learn about important fund changes coming to the Drexel retirement plans. BBBBCZPJ 042011 First-Class U.S. Postage PAID Vanguard Participant Education P.O.
More informationUpcoming Changes to Your ESIP
Human Energy. Yours. TM Upcoming Changes to Your ESIP Your Wealth. Upcoming Changes to Your ESIP 1 Upcoming Changes to Your ESIP We continually look for ways to make the Chevron Employee Savings Investment
More informationYour Investment Options at a Glance
Your Investment Options at a Glance UNIVERSITY OF MINNESOTA OPTIONAL RETIREMENT PLAN (091381) The plan offers the following diversified lineup of investment options. Diversification does not ensure a profit
More informationPrinceton University Retirement Plans
Princeton University Retirement Plans Contributions Made By Plan Number Eligibility Princeton University Retirement Plan (PURP) Princeton University TIAA 102861 (Main) 102865 (PPPL) Please see the eligibility
More informationGREAT NEWHOME FOR YOUR RETIREMENT MONEY. Hexagon Employee Retirement Savings Plan
AAGREAT GREAT NEW NEWHOME HOME FOR YOUR RETIREMENT MONEY Hexagon Employee Retirement Savings Plan Your retirement plan is moving to a great new home At Hexagon, helping you achieve a comfortable retirement
More informationBuild a retirement with a plan that s engineered for the finest maritime workforce.
MEBA Pension Trust Money Purchase Benefit Plan Build a retirement with a plan that s engineered for the finest maritime workforce. Your MEBA Pension Trust Money Purchase Benefit Plan (MPB) will transition
More informationVanguard Target Retirement Funds. Outwardly simple. Inwardly sophisticated.
Vanguard Funds Outwardly simple. Inwardly sophisticated. A Fund will hold more stocks the further it is from its target date, seeking stocks high potential growth. Stocks also have the highest risk of
More informationTHE SAVINGS PLAN OF SAUDI ARABIAN OIL COMPANY Plan Number Plan Information as of 05/24/2017
THE SAVINGS PLAN OF SAUDI ARABIAN OIL COMPANY Plan Number 091353 Plan Information as of 05/24/2017 This legally required notice includes important information about the investment options under your retirement
More informationDUKE UNIVERSITY FACULTY AND STAFF RETIREMENT PLAN Plan Number Plan Information as of 03/26/2015
DUKE UNIVERSITY FACULTY AND STAFF RETIREMENT PLAN Plan Number 091156 Plan Information as of 03/26/2015 This legally required notice includes important information to help you compare the investment options
More informationPut a spark in your savings
Put a spark in your savings Let Vanguard help you create a brilliant retirement plan in a few easy steps BorgWarner Inc. Retirement Savings Plan SAVING SAVING INVESTING SAVING ENOUGH? INVESTING WISELY?
More informationWelcome to Vanguard. How your money will move. June BorgWarner Retirement Savings Plan (099103)
Retirement Plan Conversion Welcome to Vanguard June 2016 How your money will move BorgWarner Retirement Savings Plan (099103) Unless you take action by 4 p.m., Eastern time, on July 22, 2016, your retirement
More informationOptional Retirement Program & Tax Sheltered Annuity Plan Overview Guide
Optional Retirement Program & Tax Sheltered Annuity Plan Overview Guide GET READY FOR THE CHANGES AHEAD Starting this fall, new investment options will be available through Fidelity Investments, TIAA,
More informationVanguard Funds. Supplement to the Prospectus. Frequent-Trading Limitations
Vanguard Funds Supplement to the Prospectus Effective February 15, 2018, the text under the heading Frequent-Trading Limitations within the Investing With Vanguard section is amended to read as follows:
More informationRETIREMENT PLANNING SIMPLIFIED
RETIREMENT PLANNING SIMPLIFIED Helping you invest in your financial future is important to the University of Virginia (UVA). As a result of our research and review, we are implementing changes to improve
More informationVanguard Institutional Target Retirement Funds
Vanguard Funds Date AS OF 09/30/2017 Glidepath Strategy -date funds employ glidepaths, which are the planned progression of asset allocation changes (e.g., mix of equity and fixed-income investments) along
More informationPHILLIPS 66 SAVINGS PLAN Plan Number Plan Information as of 08/11/2012
PHILLIPS 66 SAVINGS PLAN Plan Number 099066 Plan Information as of 08/11/2012 This notice includes important information to help you compare the investment options under your retirement plan. If you want
More informationYour Funds at a Glance
Your s at a Glance JOHNS HOPKINS UNIVERSITY 403(B)(7) PLAN (090078) The plan offers the following diversified lineup of investment options. For more information about each fund, including investment strategy,
More informationMoving with focus. A retirement plan as focused as you.
Moving with focus A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan for Shrewsbury Collectively Bargained Team Members Table of contents A new chapter is about to start...
More informationMoving with focus. A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan for Health Ventures
Moving with focus A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan for Health Ventures Table of contents A new chapter is about to start... 1 What you need to know about
More informationMoving with focus. A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan
Moving with focus A retirement plan as focused as you. Hackensack Meridian Health 401(k) Savings Plan Table of contents A new chapter is about to start... 1 What you need to know about your new Hackensack
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 informationyour retirement savings
your retirement savings Why Investment Balance Matters 3 How Much Help Do You Want? 8 Ways You Can Get Help With Investment Balance 10 Click here for printer-friendly version At Kaiser Permanente, financial
More informationChicago Regional Council of Carpenters Supplemental Retirement Fund
Chicago Regional Council of Carpenters Supplemental Retirement Fund February 28, 207 Disclosure Document This document includes important information to help you carefully compare the investment options
More informationCONOCOPHILLIPS SAVINGS PLAN Plan Number Plan Information as of 05/30/2018
CONOCOPHILLIPS SAVINGS PLAN Plan Number 092538 Plan Information as of 05/30/2018 This legally required notice includes important information about the investment options under your retirement plan. You
More informationXXXX EMPLOYEE SAVINGS INVESTMENT PLAN Plan Number Plan Information as of - 05/16/2014
XXXX EMPLOYEE SAVINGS INVESTMENT PLAN Plan Number 099999 Plan Information as of - 05/16/2014 This legally required notice includes important information to help you compare the investment options under
More informationVanguard 403(b) Services is almost here. Keep in mind... October [Name] [Company] [Address 1] [Address 2] [Address 3] [City, State Zip]
October 2017 P.O. Box 2600 Valley Forge, PA 19482-2600 [Name] [Company] [Address 1] [Address 2] [Address 3] [City, State Zip] vanguard.com Vanguard 403(b) Services is almost here Dear [Sponsor Name], The
More informationHow to choose investments for your retirement
How to choose investments for your retirement You have a lot of investment options in your retirement plan. Find out how to choose among them with this brochure. To put your financial plan into action,
More informationCOLUMBIA UNIVERSITY VOLUNTARY RETIREMENT SAVINGS PLAN Plan Number
COLUMBIA UNIVERSITY VOLUNTARY RETIREMENT SAVINGS PLAN Plan Number 096141 Regulations require that Plan sponsors provide retirement plan participants with notices regarding your Plan features. This notice
More informationMontgomery County Public Schools Hendershot/Lincoln Investment Plan Transition to Fidelity
Montgomery County Public Schools Hendershot/Lincoln Investment Plan Transition to Fidelity At Montgomery County Public Schools, we re committed to offering you resources to help you map out your retirement
More informationPURSUE WHAT S IMPORTANT TO YOU.
PURSUE WHAT S IMPORTANT TO YOU. Get ready for tomorrow with the University of Chicago Retirement Plans. Human Resources Dear Faculty and Staff, The University of Chicago is introducing several changes
More informationCOLUMBIA UNIVERSITY RETIREMENT PLAN FOR SUPPORTING STAFF Plan Number
COLUMBIA UNIVERSITY RETIREMENT PLAN FOR SUPPORTING STAFF Plan Number 091010 Regulations require that Plan sponsors provide retirement plan participants with notices regarding your Plan features. This notice
More informationOffice of Human Resources
Office of Human Resources 413 Academy Street Newark, DE 19716-0631 Phone: 302-831-2171 Fax: 302-831-1482 Dear Participant, The University of Delaware is updating our Retirement Program, which includes
More informationLow costs, exceptional service for your retirement plan. Vanguard Retirement Plan Access TM
Low costs, exceptional service for your retirement plan Vanguard Retirement Plan Access TM An effective retirement plan As a plan sponsor, you know how overwhelming the details and responsibilities of
More information#2 DECIDE HOW TO INVEST
#2 DECIDE HOW TO INVEST To decide how to invest, choose the investment option that best fits your personality and current situation. As your situation changes over time, you may want to consider changing
More informationUpdates on Vanguard 403(b) program transition
September 2017 P.O. Box 2600 Valley Forge, PA 19482-2600 [Name] [Company] [Address 1] [Address 2] [Address 3] [City, State Zip] vanguard.com Updates on Vanguard 403(b) program transition Dear [Sponsor
More informationThe Johns Hopkins University 403(b) Retirement Plans Notice of Default Investments
The Johns Hopkins University 403(b) Plans Notice of Default Investments The University s Active 403(b) Plans The Johns Hopkins University sponsors the Johns Hopkins University 403(b) Plan and the Johns
More informationMarin County Deferred Compensation Plans
Important Updates Marin County Deferred Compensation Plans We are excited to announce that we will be implementing several changes to the Plans. Nationwide Retirement Solutions works closely with employee
More informationVanguard 403(b) Services. Where your savings work harder for your retirement
Vanguard 403(b) Services Where your savings work harder for your retirement Thank you for considering Vanguard Choosing an investment provider is one of the most important decisions you can make for your
More informationDrexel University Retirement Plan
Drexel University Retirement Plan 23A 7% is the average saving rate at Vanguard. Source: Vanguard, How America Saves 2016. Vanguard recommends saving 12% 15%. Retirement Income Calculator How much
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 informationINSPIRE. INNOVATE. INVEST.
INSPIRE. INNOVATE. INVEST. Learn How to Plan for Your Retirement LSU 403(b) AND ROTH 403(b) SUPPLEMENTAL RETIREMENT PLANS Your Guide to Upcoming Changes GET READY FOR THE EXCITING CHANGES AHEAD Reduction
More informationTable of Contents. Get started. Call or visit TIAA.org/NSHE. 1
Power Up Your Your guide guide to to the the upcoming upcoming NSHE NSHE Retirement Retirement Plan Plan account account consolidation consolidation at TIAA Table of Contents Your accounts are consolidating...
More information457 Deferred Compensation Plan
457 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 Guiding You Toward Retirement Readiness 457
More informationOPEN YOUR DEFERRED COMPENSATION ACCOUNT
INSTRUCTIONS OPEN YOUR DEFERRED COMPENSATION ACCOUNT NEED HELP? Call 800 842-2252 Monday to Friday from 8 a.m. to 10 p.m., and Saturday from 9 a.m. to 6 p.m. (ET) or visit tiaa.org. Go to www.tiaa.org/guide
More informationUpdates on your Vanguard 403(b) account transition
September 2017 P.O. Box 2600 Valley Forge, PA 19482-2600 [Name] [Company] [Address 1] [Address 2] [Address 3] [City, State Zip] vanguard.com Updates on your Vanguard 403(b) account transition Dear [Participant
More informationGet ready Your Plan is on the move!
Get ready Your Plan is on the move! November 2018 We are pleased to announce that the is moving to a new recordkeeper, Voya Financial this January. Bass Pro Shops and Voya have prepared this newsletter
More informationSaving isn t just about retirement it s about your future.
Saving isn t just about retirement it s about your future. Let us help you create the future you want for yourself and your loved ones. Rochester Regional Health 401(k) and 403(b) Plans Transition Guide
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 informationInvestment Plan Benefits
Investment Plan Benefits The Investment Plan of the Major League Baseball Players Benefit Plan (the Investment Plan ) helps you save now for your financial needs during retirement. Important! For more
More 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 informationInvestment Options Guide
Investment Options Guide for the Partners HealthCare Retirement Savings Plans It s a great time to be involved in your Partners HealthCare Retirement Savings Plan! Investment Options Guide I Page B We
More informationOPEN YOUR RETIREMENT ACCOUNT
Plan 102241 Employe Supplemental Contributions 11/2017 Employee Contribution ENROLLMENT INSTRUCTIONS OPEN YOUR RETIREMENT ACCOUNT NEED HELP? Call 800 842-2252 Monday to Friday from 8 a.m. to 10 p.m., and
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 informationYour University of Virginia Retirement Plan. Guiding you through exciting plan changes ahead
Your University of Virginia Retirement Plan Guiding you through exciting plan changes ahead It s a great time to review your University of Virginia retirement benefits The University of Virginia has selected
More informationGet ready Your Plan is on the move!
Get ready Your Plan is on the move! November 2018 The is merging with the Bass Pro Group, LLC 401(k) Plan this January. Bass Pro Shops and Cabela s will soon have a unified 401(k) retirement savings program
More informationVanguard funds and ETFs reporting expense ratio changes for the fiscal year ended December 2015.
Vanguard funds and ETFs reporting expense ratio changes for the fiscal year ended December 2015. Domestic Bond Index Vanguard Total Bond Market Index Fund Admiral 0.07% 0.06% 1 14% ETF 0.07% 0.06% 1 14%
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 informationThe road to retirement. Announcing changes to the Montana University System Retirement Plans
The road to retirement Announcing changes to the Montana University System Retirement Plans Table of contents A new chapter is about to start 1 For TIAA participants 2 For former MetLife, T. Rowe Price,
More informationThe University of Delaware Retirement Program CREATE YOUR OWN FUTURE.
The University of Delaware Retirement Program CREATE YOUR OWN FUTURE. Table of contents A message from the University of Delaware... 3 Making it easier to plan and invest for retirement...4 Changes beginning
More informationYour University of Virginia Retirement Plan Transition Guide. A heritage of innovation to help you take on the future.
Your University of Virginia Retirement Plan Transition Guide A heritage of innovation to help you take on the future. 113766_02_BRO_UVA_TBRO.indd 1 It s a great time to take advantage of your University
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 informationWorking for Your Future
Working for Your Future Valero Energy Corporation Thrift Plan Highlights Enroll Today Congratulations! You are now eligible to participate in the Valero Energy Corporation Thrift Plan (the Thrift Plan
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 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 informationNew Opportunities for Your Retirement Strategy. Announcing Upcoming Changes to the Baylor Retirement Plan
New Opportunities for Your Retirement Strategy Announcing Upcoming Changes to the Baylor Retirement Plan Changes to the Baylor Retirement Plan We are pleased to announce several changes to the Baylor Retirement
More informationOPEN YOUR RETIREMENT ACCOUNT
PLAN 102240 University Contributions 11/2017 ENROLLMENT INSTRUCTIONS OPEN YOUR RETIREMENT ACCOUNT NEED HELP? Call 800 842-2252 Monday to Friday from 8 a.m. to 10 p.m., and Saturday from 9 a.m. to 6 p.m.
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 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 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 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 informationHMH 401(K) SAVINGS PLAN - HUMC & PMC GRANDFATHERED PARTICIPANTS
Quarterly Investment Update HMH 401(K) SAVINGS PLAN HUMC & PMC GRANDFATHERED PARTICIPANTS Investment Performance as of 9/30/2018 The performance data quoted represents past performance, and is no guarantee
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 informationLiberty Mutual 401(k) Plan Annual Fee Disclosure Statement
Liberty Mutual 401(k) Plan Annual Fee Disclosure Statement Important information about Your Options, Fees and Other Expenses The Liberty Mutual 401(k) Plan (the Plan ) is a great way to build savings for
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 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 informationFUTURE. to work for YOU
Your Guide for the Transition to Fidelity Putting your FUTURE to work for YOU California State University Tax Sheltered Annuity (TSA) Program Important notice regarding your transition to Fidelity: Participant
More informationAnnual Fee Disclosure Statement Important Information About Your Investment Options, Fees, and Other Expenses for the Ricoh USA, Inc.
Fee Disclosure Statement Important Information About Your Investment Options, Fees, and Other Expenses for the Ricoh USA, Inc. RSP The Ricoh USA, Inc. Retirement Savings Plan (the RSP or Plan ) is a great
More informationNATIONWIDE CHILDRENS HOSPITAL DEF CONTRIB PENSION PLAN
Quarterly Investment Update NATIONWIDE CHILDRENS HOSPITAL DEF CONTRIB PENSION PLAN Investment Performance as of 12/31/2018 The performance data quoted represents past performance, and is no guarantee of
More informationDynegy 401(k) Plan. Summary Plan Description For the Plan as Amended January 1, 2014
Dynegy 401(k) Plan Summary Plan Description For the Plan as Amended January 1, 2014 This Summary Plan Description highlights the key features of the Dynegy 401(k) Plan (Plan). Complete details of the Plan
More 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 informationWhat to expect with PayFlex
What to expect with PayFlex Detailed information about your health savings account (HSA) HSA members moving to PayFlex 69.03.615.1 (6/15) We d like to tell you what you can expect from us as you prepare
More informationNOTICE TO EMPLOYEES ELIGIBLE TO PARTICIPATE IN THE GEORGE WASHINGTON UNIVERSITY RETIREMENT PLANS
NOTICE TO EMPLOYEES ELIGIBLE TO PARTICIPATE IN THE GEORGE WASHINGTON UNIVERSITY RETIREMENT PLANS November 30, 2013 The George Washington University Retirement Plan for Faculty and Staff (the Retirement
More informationOKLAHOMA MUNICIPAL RETIREMENT FUNDTM. A plan for today. Retirement possibilities for tomorrow.
OKLAHOMA MUNICIPAL RETIREMENT FUNDTM A plan for today. Retirement possibilities for tomorrow. TM SET UP YOUR PLAN ACCOUNT ACCESS TODAY You can access your account in a variety of ways. Whether online,
More informationWhat you need to know about upcoming retirement plan changes
Plan. Save. Retire. June 2012 What you need to know about upcoming retirement plan changes Dear Physiotherapy Associates 401(k) Plan Participant: By now you ve heard that Physiotherapy Associates is making
More informationUnited We Plan for Retirement
Transition Guide to Fidelity for OhioHealth MedCentral Health System Associates MedCentral Health System 457(b) Top Hat Plan United We Plan for Retirement 33007-03-BRO-OhioHealth457b.indd 1 8/2/17 3:50
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 informationReady to Plan for Financial Wellness? Let s Work Together. Changes to the NYEE 403(b) Retirement Plan
Ready to Plan for Financial Wellness? Let s Work Together. Changes to the NYEE 403(b) Retirement Plan Mount Sinai Health System One Gustave L. Levy Place New York, NY 10029-6574 Dear Colleagues, As announced
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 informationEnrollment & Resources Guide
Enrollment & Resources Guide A guide to enrolling through the Plan Web site or by phone to make the connection to the Plan. Enroll online with the Web site Step 1 Log in to ctg401k.com and click on Login
More informationEvaluating Your Investment Options
UPMC Savings Plan 1 Evaluating Your Investment Options 2017 This document contains copyrighted information and may not be reproduced. UPMC Savings Plan 2 Evaluating Your Choices Your plan is "participant-directed",
More information