Table of Contents. Get started. Call or visit TIAA.org/NSHE. 1
|
|
- Spencer Griffith
- 6 years ago
- Views:
Transcription
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
2
3 Table of Contents Your accounts are consolidating... 2 How your TIAA mutual fund account balance(s) will transfer... 2 Vanguard target retirement investment options... 3 Choosing different investments... 4 Important information regarding TIAA annuity investment options... 5 The NSHE tiered investment menu Personalized investment advice... 8 Understanding fees... 9 Retirement plan checklist...back Cover Get started. Call or visit TIAA.org/NSHE. 1
4 Get Ready YOUR ACCOUNTS ARE CONSOLIDATING The Nevada System of Higher Education (NSHE) is committed to offering you the services you need to pursue a safe and secure retirement. In January 2014, NSHE consolidated the administrative recordkeeping of its defined contribution retirement plans to TIAA. However, certain NSHE Retirement Plan assets did not transfer to the current NSHE Retirement Plan investment lineup at that time. To enrich the participant experience and reinforce oversight and monitoring, NSHE has elected to consolidate all legacy TIAA mutual fund assets to the current NSHE Retirement Plan investment lineup during the week ending March 23, Highlights: All legacy TIAA mutual fund balance(s) with TIAA will be automatically transferred into a Vanguard Target Retirement investment option at TIAA, based upon the date closest to when you turn age 65. Annuity balances with TIAA will remain in the legacy contract, although no new contributions, rollovers, or transfers may be made to these accounts. See pages 6-7 for details regarding the current investment lineup for the NSHE Retirement Plans. Be Informed How your TIAA mutual fund account balance(s) will transfer During the week ending March 23, 2018, all of the mutual fund balance(s) in the legacy TIAA contracts of the NSHE Retirement Plans are scheduled to be consolidated to the current contracts in the NSHE Retirement Plans. If you do not already have an NSHE Retirement Plan account at TIAA, you will be automatically enrolled during the week of March 5, Soon after enrollment, you will receive a confirmation kit from TIAA with important information regarding your initial investment elections and beneficiary(ies) designations. The affected TIAA mutual funds include: TIAA-CREF Lifecycle Retirement Income Fund TIAA-CREF Lifecycle Fund Series TIAA-CREF International Equity Fund TIAA-CREF Large-Cap Value Fund TIAA-CREF Mid-Cap Growth Fund TIAA-CREF Mid-Cap Value Fund TIAA-CREF Small-Cap Equity Fund TIAA-CREF Money Market Fund Your mutual fund balance(s) will be automatically transferred into a Vanguard Target Retirement investment option at TIAA, based upon the date closest to when you turn age 65, as shown in the chart on page 3. For example, if you will turn age 65 in the year 2044, your balance(s) will be directed to the Vanguard Target Retirement 2045 investment option. 2 Get started. Call or visit TIAA.org/NSHE.
5 Vanguard Target Retirement Investment Options The table below details how your TIAA mutual fund account balance(s) will be directed automatically to NSHE s Qualified Default Investment Alternative (QDIA), which is a Vanguard Target Retirement investment option* based upon the date closest to when you turn age 65. For more information about target-date investment options, see page 6. Date of Birth Range Target Retirement Fund Ticker* Prior to 1947 Vanguard Institutional Target Retirement Income VITRX Vanguard Institutional Target Retirement 2015 VITVX Vanguard Institutional Target Retirement 2020 VITWX Vanguard Institutional Target Retirement 2025 VRIVX Vanguard Institutional Target Retirement 2030 VTTWX Vanguard Institutional Target Retirement 2035 VITFX Vanguard Institutional Target Retirement 2040 VIRSX Vanguard Institutional Target Retirement 2045 VITLX Vanguard Institutional Target Retirement 2050 VTRLX Vanguard Institutional Target Retirement 2055 VIVLX Vanguard Institutional Target Retirement 2060 VILVX 1998 Present Vanguard Institutional Target Retirement 2065 VSXFX * NSHE Retirement Plan Alternative (RPA) offers the Vanguard Target Retirement Trust I series. All other NSHE Retirement Plans offer the Vanguard Institutional Target Retirement Fund series. Get started. Call or visit TIAA.org/NSHE. 3
6 Choosing Different Investments Once the transfer is complete, you may reallocate your balance or modify your ongoing contributions to any of the other available investment options within the current investment lineup. If you do not yet have an NSHE Retirement Plan account at TIAA, you will not be able to make changes until after you have been enrolled at TIAA, which will be during the week of March 5, Working in conjunction with an independent, third-party consultant, NSHE has identified the investment options in the table below as comparable funds available on the current investment lineup. This comparison is for reference only and not a recommendation. To explore your options, schedule an appointment with a TIAA financial consultant. Visit TIAA.org/schedulenow or call , weekdays, 5 a.m. to 5 p.m. (PT). As of December 31, 2017 Fund Name Ticker Expense Ratio Fund Name Ticker* Expense Ratio Asset Allocation TIAA-CREF Lifecycle Rtmt. Income Institutional TLRIX 0.38% TIAA-CREF Lifecycle 2010 Institutional TCTIX 0.38% Vanguard Target Retirement Income Institutional Vanguard Target Retirement Income Institutional VITRX 0.09% VITRX 0.09% TIAA-CREF Lifecycle 2015 Institutional TCNIX 0.39% Vanguard Target Retirement 2015 Institutional VITVX 0.09% TIAA-CREF Lifecycle 2020 Institutional TCWIX 0.40% Vanguard Target Retirement 2020 Institutional VITWX 0.09% TIAA-CREF Lifecycle 2025 Institutional TCYIX 0.41% Vanguard Target Retirement 2025 Institutional VRIVX 0.09% TIAA-CREF Lifecycle 2030 Institutional TCRIX 0.42% Vanguard Target Retirement 2030 Institutional VITWX 0.09% TIAA-CREF Lifecycle 2035 Institutional TCIIX 0.43% Vanguard Target Retirement 2035 Institutional VITFX 0.09% TIAA-CREF Lifecycle 2040 Institutional TCOIX 0.44% Vanguard Target Retirement 2040 Institutional VIRSX 0.09% TIAA-CREF Lifecycle 2045 Institutional TTFIX 0.45% Vanguard Target Retirement 2045 Institutional VITLX 0.09% TIAA-CREF Lifecycle 2050 Institutional TFTIX 0.45% Vanguard Target Retirement 2050 Institutional VTRLX 0.09% TIAA-CREF Lifecycle 2055 Institutional TTRIX 0.45% Vanguard Target Retirement 2055 Institutional VIVLX 0.09% Fixed Income TIAA-CREF Money Market Institutional TCIXX 0.14% Vanguard Federal Money Market Fund VMFXX 0.11% U.S. Stock TIAA-CREF Large-Cap Value Institutional TRLIX 0.41% Diamond Hill Large Cap Y DHLYX 0.58% TIAA-CREF Mid-Cap Growth Institutional TRPWX 0.47% William Blair Small-Mid Cap Growth Fund WSMDX 1.10% TIAA-CREF Mid-Cap Value Institutional TIMVX 0.41% DFA U.S. Targeted Value Institutional DFFVX 0.37% TIAA-CREF Small-Cap Equity Institutional TISEX 0.42% William Blair Small-Mid Cap Growth Fund WSMDX 1.10% International Stock TIAA-CREF International Equity Institutional TIIEX 0.49% Harding Loevner International Equity Instl. HLMIX 0.83% * NSHE Retirement Plan Alternative (RPA) offers the Vanguard Target Retirement Trust I series. All other NSHE Retirement Plans offer the Vanguard Institutional Target Retirement Fund series. 4 Get started. Call or visit TIAA.org/NSHE.
7 Important Information Regarding TIAA Annuity Investment Options The following TIAA annuity investment options are NOT impacted by this consolidation. Any balance you may have in these investment options will remain in your existing account(s): TIAA Traditional Annuity (RA/SRA and GRA/GSRA) TIAA Real Estate Account CREF Stock Account R3 CREF Money Market Account R3 CREF Bond Market Account R3 CREF Social Choice Account R3 CREF Global Equities Account R3 CREF Equity Index Account R3 CREF Growth Account R3 CREF Inflation-Linked Bond Account R3 No new contributions, rollovers, or transfers may be made to these accounts. However, you can continue to transfer balances among your TIAA annuity investment options. ACCOUNT CONSOLIDATION CONSIDERATIONS There may be several benefits to consolidating your TIAA annuity assets into the current contracts of the NSHE Retirement Plans, including lower fees and simplified account management. However, there are a number of differences between the legacy contracts and the current contracts of the NSHE Retirement Plans. Most of the differences apply to the TIAA Traditional Annuity. If you re thinking about transferring some or all of your TIAA annuity account balances to the current contracts of the NSHE Retirement Plans, make sure you understand the differences before you initiate a transfer. For details, see the Contract Comparison chart located at TIAA.org/contractcomparison. If you have questions, call , or schedule an appointment with a TIAA financial consultant who can help you understand your options. Get started. Call or visit TIAA.org/NSHE. 5
8 The NSHE Tiered Investment Menu Do you prefer to step back and let financial professionals handle your retirement strategy for you? Or do you have the skills and desire to select your own investments? Savvy investing begins with an in-depth understanding of your investment style and long-term goals. Think about the level of involvement you re comfortable with and your tolerance for risk, and select the investment option(s) that work best for you. For more details, visit TIAA.org/NSHE and select Investment Options. SIMPLY DECIDE WHICH TIER IS RIGHT FOR YOU TIER 1 For those who prefer an investment professional to do it for them TIER 2 For those who want to create a retirement portfolio that s aligned with their specific investment preferences and goals TIER 3 For the investment-savvy who want the flexibility of a brokerage account Not sure where to begin? Visit TIAA.org/NSHE. TIER 1 SELECT INVESTMENTS FOR ME TARGET-DATE FUNDS* Each fund invests in a broad mix of index funds to provide a diversified portfolio. Simply select the fund that most closely matches your anticipated retirement year. The fund s manager gradually shifts each fund s asset allocation to fewer stocks and more bonds so the fund becomes more conservative the closer you get to retirement. As with all mutual funds, the principal value of a target-date fund isn t guaranteed. Also, please note that the target date represents an approximate date when investors may plan to begin withdrawing from the fund. Vanguard Institutional Target Retirement Income Institutional (VITRX) Vanguard Institutional Target Retirement 2015 Institutional (VITVX) Vanguard Institutional Target Retirement 2020 Institutional (VITWX) Vanguard Institutional Target Retirement 2025 Institutional (VRIVX) Vanguard Institutional Target Retirement 2030 Institutional (VTTWX) Vanguard Institutional Target Retirement 2035 Institutional (VITFX) Vanguard Institutional Target Retirement 2040 Institutional (VIRSX) Vanguard Institutional Target Retirement 2045 Institutional (VITLX) Vanguard Institutional Target Retirement 2050 Institutional (VTRLX) Vanguard Institutional Target Retirement 2055 Institutional (VIVLX) Vanguard Institutional Target Retirement 2060 Institutional (VILVX) Vanguard Institutional Target Retirement 2065 Institutional (VSXFX) * NSHE Retirement Plan Alternative (RPA) offers the Vanguard Target Retirement Trust I series. All other NSHE Retirement Plans offer the Vanguard Institutional Target Retirement Fund series. If you do not actively select your investment(s), your assets will be directed automatically to the NSHE Retirement Plan Qualified Default Investment Alternative, which is the Target Retirement Fund based on the date closest to when you turn age 65. Target-date funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition, there is exposure to the fees and expenses associated with the underlying mutual funds as well. continued 6 Get started. Call or visit TIAA.org/NSHE.
9 TIER 2 SELECT INVESTMENTS WITH ME CORE LINEUP (BUILD YOUR OWN) If you wish to create your own diversified investment mix, you may consider starting with the funds in this tier. The Plans core investments are monitored by NSHE s Retirement Plan Advisory Committee and can be combined to create a portfolio designed to suit your goals. You may work with a TIAA financial consultant for assistance in building your portfolio. Remember, it is recommended to review and rebalance your investment allocations annually. Passively Managed Index Funds Actively Managed Funds Money Market N/A Vanguard Federal Money Market Fund Investor (VMFXX) Stable Value N/A T. Rowe Price Stable Value Common Trust Fund A* Bonds Large-Cap Equity Small-/Mid-Cap Equity Vanguard Total Bond Market Index Institutional (VBTIX) Vanguard Total Stock Market Index Institutional (VITSX) Vanguard Institutional Index Institutional Plus (VIIIX) Vanguard Extended Market Index Institutional (VIEIX) PIMCO Total Return Fund Institutional (PTTRX) American Century High Income Y (NPHIX) DFA Inflation-Protected Securities I (DIPSX) T. Rowe Price Institutional Large Cap Growth Fund (TRLGX) Diamond Hill Large Cap Y (DHLYX) William Blair Small-Mid Cap Growth Fund (WSMDX) DFA U.S. Targeted Value I (DFFVX) Global Equity N/A Dodge & Cox Global Stock Fund (DODWX) International Equity Vanguard Total International Stock Index Fund Institutional (VTSNX) Vanguard Developed Markets Index Fund Institutional (VTMNX) Harding Loevner International Equity Institutional (HLMIX) MFS International Value Fund R5 (MINJX) Emerging Markets Equity Vanguard Emerging Markets Stock Index Fund Institutional (VEMIX) N/A Real Estate N/A Cohen & Steers Institutional Realty Shares (CSRIX) Socially Responsible N/A Vanguard FTSE Social Index (VFTSX) Guaranteed Fixed Annuity TIAA Traditional (Retirement Choice and Retirement Choice Plus) Any guarantees under annuities issued by Teachers Insurance and Annuity Association of America are subject to its claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Diversification is a technique to help reduce risk. It is not guaranteed to protect against loss. There are inherent risks in investing in securities. * The T. Rowe Price Stable Value Common Trust Fund (the Trust ) is not a mutual fund. It is a common trust fund established by T. Rowe Price Trust Company under Maryland banking law, and its units are exempt from registration under the Securities Act of Investments in the Trust are not deposits or obligations of, or guaranteed by, the U.S. government or its agencies, or T. Rowe Price Trust Company. You could lose money by investing in the Trust. Although the Trust seeks to preserve the value of your investment at $1.00 per unit, it cannot guarantee to do so. TIER 3 SELECT INVESTMENTS ON MY OWN SELF-DIRECTED BROKERAGE WINDOW Self-directed brokerage may be appropriate for the experienced, savvy investor who prefers to be more involved with investing and wants additional choice and flexibility beyond the core offering of funds. A self-directed brokerage account is not appropriate for everyone. Additional fees may apply, and NSHE does not monitor the funds offered through the self-directed brokerage window. Some securities may not be suitable for all investors. By opening a brokerage account, you will be charged a commission on all transactions and other account-related fees in accordance with the TIAA Commission and Fee Schedule. Visit TIAA.org/sda_caa for a complete list of commissions and fees. NOTE: The mutual fund transaction fees have been waived for NSHE account holders. Other fees and expenses apply to a continued investment in the funds and are described in the fund s current prospectus. The brokerage account option is only available to participants who maintain both a legitimate U.S. residential address and a legitimate U.S. mailing address. TIAA does not offer investment advice for brokerage investment options. Get started. Call or visit TIAA.org/NSHE. 7
10 Personalized Investment Advice AT NO ADDITIONAL COST Get personalized investment advice from a TIAA financial consultant as part of the NSHE Retirement Plan at no additional cost to you. TIAA s advice is designed to help you answer these important questions: Am I on track to reach my retirement savings goals? Get help analyzing how your investments are performing and determine if you re saving enough to help meet your needs. Which combination of investments is right for me? Get assistance picking the right investments, diversifying properly, and allocating contributions to balance your need for growth potential with your tolerance for risk. How can I meet my income needs in retirement? Get help determining the amount you ll need to meet your retirement income goals. CONTACT TIAA PHONE Call TIAA at , weekdays, 5 a.m. to 7 p.m., and Saturday, 6 a.m. to 3 p.m. (PT). ONLINE Go to TIAA.org/NSHE. Click Contact Us in the upper-right side of the page. ONE-ON-ONE ADVICE SESSIONS To meet with a TIAA financial consultant on your campus or at their Executive Suite in Las Vegas or Reno, call , weekdays, 5 a.m. to 5 p.m. (PT), or visit TIAA.org/schedulenow to schedule an appointment. 8 Get started. Call or visit TIAA.org/NSHE.
11 Understanding Fees NSHE believes in transparency regarding your investment fees and administrative expenses. To help you make informed decisions, the following information provides you with an explanation of the various types of asset-based and transaction-based fees paid by participants. INVESTMENT MANAGEMENT FEES Each investment option in the NSHE Retirement Plans has an associated total expense ratio, which is the percentage of assets an investment provider charges each year in exchange for its services. These total expense ratios are different for each investment option in which you may choose to invest. Your total return is net of these investment management fees. In other words, your return is calculated after these fees have been deducted from the investment. This allows you to compare the performance of investments that have different fees. You can find the expense ratios for each of the Plans investment options at TIAA.org/NSHE or in the prospectuses/fact sheets for funds available under the Plans. PLAN SERVICING FEES An annual plan servicing fee of 0.059% ($0.59 per $1,000) of assets will be divided into four quarterly payments and deducted from your NSHE retirement contract(s) quarterly. These administrative fees are in addition to investment management fees described above. The plan servicing fee will be assessed on your average daily balance of assets in Tiers I, II, and III, and will be prorated across your investment options in Tiers I and II. On your statements, these fees will be listed as a TIAA Plan Servicing Fee and will appear as a debit for each investment option that you hold as of the last day of each quarter. BROKERAGE ACCOUNT FEES If you open a brokerage account, you will be charged a fee on certain transactions and other account-related activities in accordance with the TIAA Commission and Fee Schedule. There is no annual account maintenance fee. Please review the TIAA Brokerage Account Customer Agreement at TIAA.org/sda_caa. The Agreement contains important information about the plans brokerage account, as well as the TIAA Commission and Fee Schedule. ALL THINGS CONSIDERED Fees are important, but they are just one factor in your decision-making process. In addition to fees and expenses, you should be sure your investment choices reflect your personal risk tolerance, the time frame until your retirement and the appropriate allocation to suit your investment needs. Get started. Call or visit TIAA.org/NSHE. 9
12 Retirement Plan Checklist for your consideration Consider completing this... Which is important because... Update your beneficiary information. Review your investment allocation for the transferred balances. Schedule a one-on-one advice session with a TIAA financial consultant. Use the investment advice and planning tools TIAA provides. Manage your account quickly and easily online at TIAA.org/NSHE. Please take this opportunity to review and update your beneficiary designation. Out-of-date beneficiary information could cause your assets to pass on in ways you don t intend. Your TIAA mutual fund assets will be automatically transferred into a Vanguard Target Retirement investment option at TIAA based upon the date closest to when you turn age 65. After the transfer is complete, you can review your account and make changes if you wish. You can get professional advice on determining an investment allocation strategy that is in line with your long-term goals. This service is available to you at no additional cost. You can boost your financial know-how with easy-to-use tools and calculators, as well as online financial education and information. You can manage virtually every aspect of your retirement plan account including the ones on this list by logging in at TIAA.org/NSHE. Power Up The new map to NSHE retirement This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made in consultation with an investor s personal advisor based on the investor s own objectives and circumstances. Distributions from 403(b) plans before age 59½, severance from employment, death or disability may be prohibited, limited and/or subject to substantial tax penalties. Different restrictions may apply to other types of plans. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call or go to TIAA.org/NSHE for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations. TIAA Brokerage, a division of TIAA-CREF Individual & Institutional Services, LLC, Member FINRA/SIPC, distributes securities. Brokerage accounts are carried by Pershing, LLC, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY (01/18)
Office 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 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 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 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 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 informationGet a head start on your future.
Get a head start on your future. A Guide to Your New Investment Options Northeastern University Basic Retirement Plan Northeastern University Supplemental Retirement Plan Retirement plan updates Northeastern
More informationA guide for the road to retirement. Announcing changes to Wesleyan University s 403(b)(7) Retirement Plan
A guide for the road to retirement Announcing changes to Wesleyan University s 403(b)(7) Retirement Plan 1 Overview of topics we ll be covering today Why the changes What is staying the same and what is
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 informationYour guide for the road to retirement. Announcing changes to the Marquette University Retirement Plan
Your guide for the road to retirement Announcing changes to the Marquette University Retirement Plan Table of Contents A new chapter for your retirement plan is about to start 1 Your new investment options
More informationColumbia University Retirement Plans. Important retirement plan updates
Columbia University Retirement Plans Important retirement plan updates A new chapter is about to begin Columbia University is pleased to announce several updates to its retirement plans. Key Dates September
More informationNew opportunities for your retirement strategy. Announcing updates to the Voluntary Individual 403(b) Retirement Plan for TIAA participants
New opportunities for your retirement strategy Announcing updates to the Voluntary Individual 403(b) Retirement Plan for TIAA participants Table of contents Voluntary Individual 403(b) Retirement Plan
More informationGreater confidence about retirement starts today. The New ASME Retirement Plan
Greater confidence about retirement starts today The New ASME Retirement Plan A new chapter is about to start What you need to know 1. New 401(k) Plan. Effective January 3, 2017, ASME will offer a new
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 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 informationThe road to retirement. Announcing updates to the Eastern Michigan University Retirement Plans
The road to retirement Announcing updates to the Eastern Michigan University Retirement Plans Table of contents A new chapter is about to start 1 Your new options 2 Your transition experience 3 Transfer
More informationThe road to retirement. Announcing updates to the Arkansas State University (ASU) System Social Security Alternative Plan
The road to retirement Announcing updates to the Arkansas State University (ASU) System Social Security Alternative Plan Table of contents A new chapter is about to start 1 Your new options 2 Understanding
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 informationFocused on the one future that matters. Yours.
Focused on the one future that matters. Yours. Your CUNY Retirement Plan Make a new connection for your future You recently received a flyer in the mail about changes to the voluntary City University of
More informationA new chapter for the Grand Valley State University retirement program
A new chapter for the Grand Valley State University retirement program Transition seminar topics Why we re here today Transition experience Updates to the new investment menu Retirement program features
More informationFocused on the one future that matters. Yours.
Focused on the one future that matters. Yours. Your CUNY Retirement Plan Make a new connection for your future You recently received a flyer in the mail about changes to your voluntary City University
More informationPennsylvania s State System (State System) of Higher Education Changes to the Alternative Retirement Plan (ARP)
May 1, 2018 Pennsylvania s State System (State System) of Higher Education Changes to the Alternative Retirement Plan (ARP) Dear TIAA Participant: The State System routinely reviews the ARP group retirement
More informationWilliams College Retirement Income Plan Transition Guide
Williams College Retirement Income Plan Transition Guide Fall 2012 Table of Contents 4 Introducing ENHANCEMENTS TO the WILLIAMS COLLEGE RETIREMENT INCOME PLAN 5 BUILDING YOUR RETIREMENT PORTFOLIO 6 Enhanced
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 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 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 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 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 informationCalifornia State University Tax Sheltered Annuity (TSA) Program. Putting Your Future To Work For You
California State University Tax Sheltered Annuity (TSA) Program Putting Your Future To Work For You Today s Agenda Overview of Changes TSA Program Overview Why the TSA Program is Changing? Managing Participant
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 informationA guide for the road to retirement. Announcing updates to the Eastern Michigan University Retirement Plan
A guide for the road to retirement Announcing updates to the Eastern Michigan University Retirement Plan 1 Overview of topics we ll be covering today Why changes are being made What stays the same Plan
More informationCity University of New York ORP and TDA Plan Investment Menus
City University of New York ORP and TDA Plan Investment Menus Effective January 1, 2017 CUNY Optional Retirement Program (ORP) and the Tax-Deferred Annuity (TDA) Plan CUNY Optional Retirement Program (ORP)
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 informationImportant notice about the Fairfax County Public Schools 403(b) Retirement Savings Plan
November 28, 2016 Important notice about the Fairfax County Public Schools 403(b) Retirement Savings Plan We are writing to you about your account in the Fairfax County Public Schools 403(b) Retirement
More informationOPEN YOUR RETIREMENT ACCOUNT
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. (ET) or visit tiaa.org. HABLA ESPAÑOL?* Llame al 800 842-2252
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 informationLehigh University Retirement Plan. Important retirement plan updates
Lehigh University Retirement Plan Important retirement plan updates A new chapter for the retirement plan Key dates Week of March 20, 2017 You will be enrolled in new contracts within the plan and receive
More informationA new chapter for the Harvard-Westlake School Retirement Plan
A new chapter for the Harvard-Westlake School Retirement Plan Key Dates May 3 and 4, 2017 On-site transition seminars available. May 23, 2017 Updates take effect and new investment menu goes live. You
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 informationNew opportunities for your retirement strategy. Announcing changes to the University of Dayton Retirement Plans
New opportunities for your retirement strategy Announcing changes to the University of Dayton Retirement Plans Table of contents A new chapter is about to start 1 Your new investment options 2-3 If you
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 informationIntroducing the after-tax contribution option Roth
Introducing the after-tax contribution option Roth Today s agenda The after-tax Roth contribution option Why the after-tax Roth contribution option may be right for you Comparing after-tax Roth contributions
More informationI highly recommend all of our actively assigned diocesan priests to join this new savings plan and begin saving now for their future retirement.
PASTORAL CENTER: HUMAN RESOURCES DEPARTMENT 13280 CHAPMAN AVENUE, GARDEN GROVE, CA 92840 NEW RETIREMENT SAVINGS PLANS FOR DIOCESAN PRIESTS Dear Presbyterate, The Diocese of Orange is pleased to announce
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 informationAnnouncing Changes to Wesleyan University s 403(b)(7) Retirement Plan
Announcing Changes to Wesleyan University s 403(b)(7) Retirement Plan Fidelity Investments and TIAA Calendar of Events 21 Whether your retirement is right around the corner or years away, continue to closely
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 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 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 informationA new chapter for the Maryland Institute College of Art retirement plan
A new chapter for the Maryland Institute College of Art retirement plan Transition seminar topics Why we re here today Transition experience for all participants The new investment menu Retirement program
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 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 informationIn accordance with federal regulations, the Employee Retirement Income Security Act (ERISA), we have enclosed the following notices:
Human Resources Department Michelle Jaross Director, Benefits and Compensation In accordance with federal regulations, the Employee Retirement Income
More informationNovember 30, Dear Bates College Participant,
November 30, 2017 Dear Bates College Participant, Bates College is making updates to the Bates College Money Purchase Pension Plan and the Bates College 403(b) Retirement Plan, beginning January 4, 2018.
More informationThe Roth contribution option. For retirement plans
The Roth contribution option For retirement plans Contents 2 The Roth contribution option savings choice Learn about the differences between pretax and after-tax contributions 4 Comparing Roth after-tax
More informationImportant update on recordkeeping and investment management fees for The Pennsylvania State University retirement program
Important update on recordkeeping and investment management fees for The Pennsylvania State University retirement program May 18, 2018 The Pennsylvania State University is always looking for ways to improve
More informationIntroducing the AfterTax Roth Contribution. Option. October 2017
Introducing the AfterTax Roth Contribution Option October 2017 Today s Agenda The after-tax Roth contribution option Why the after-tax Roth contribution option may be right for you Comparing after-tax
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 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 informationThe road to retirement. Announcing changes to the Wesleyan University Retirement Plans
The road to retirement Announcing changes to the Wesleyan University Retirement Plans Table of contents A new chapter is about to start 1 Action plan for the changes 2 Changes in detail 3 Transfer charts
More informationTIAA Brokerage overview and account setup. Your quick guide to the enhanced brokerage program
TIAA Brokerage overview and account setup Your quick guide to the enhanced brokerage program For investors with specialized investing needs, more choice can mean more opportunity to direct retirement investments
More informationRetirement Income Planner
Retirement Income Planner Overview and map TIAA is committed to delivering the most innovative retirement income planning solutions to help you to feel confident about your decision on when to retire and
More informationHMH 401(K) SAVINGS PLAN
Quarterly Investment Update HMH 401(K) SAVINGS PLAN Investment Performance as of 12/31/2018 The performance data quoted represents past performance, and is no guarantee of future results. Your returns
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 informationTIME TO FOCUS ON YOUR FUTURE
TIME TO FOCUS ON YOUR FUTURE Enroll online in the new HMH 401(k) Savings Plan at TIAA Active enrollment in the new 401(k) plan is required because your previous elections will not be provided to TIAA.
More informationNew opportunities for your retirement strategy. Announcing updates to the St. Olaf College Retirement Program
New opportunities for your retirement strategy Announcing updates to the St. Olaf College Retirement Program A new chapter is about to start Helping you plan and save for the future is important. That
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 informationTHE UNIVERSITY OF VERMONT TAX-DEFERRED ANNUITY PLAN
THE UNIVERSITY OF VERMONT TAX-DEFERRED ANNUITY PLAN TWO EASY WAYS TO PICK YOUR INVESTMENTS Saving for retirement is a commitment you need to make to yourself for your future financial security. We re here
More informationTIAA Brokerage Services overview and account setup. Your quick guide to the enhanced brokerage program
TIAA Brokerage Services overview and account setup Your quick guide to the enhanced brokerage program For investors with specialized investing needs, more choice can mean more opportunity to direct retirement
More informationThe road to retirement. Announcing changes to the Salve Regina University Retirement Plans
The road to retirement Announcing changes to the Salve Regina University Retirement Plans A new chapter is about to start Helping you plan and save for the future is important to us here at Salve Regina
More informationST. JUDE'S CHILDREN'S RESEARCH HOSPITAL DC RETIREMENT PLAN
Quarterly Investment Update ST. JUDE'S CHILDREN'S RESEARCH HOSPITAL DC RETIREMENT PLAN Investment Performance as of 12/31/2018 The performance data quoted represents past performance, and is no guarantee
More informationGuide to online loans
Less paperwork. Faster service. You can request a loan online through your account on TIAA.org. 1 No paper application is needed, which saves time and helps you receive the funds quickly. This guide includes
More informationA Guide to Temple s New 401(a) and 403(b) Investment Options
A Guide to Temple s New 401(a) and 403(b) Investment Options Table of contents A new chapter is about to start 1 Action plan for the transition 2 Your new Temple University investment menu 3 Retirement
More informationRetirement Plans Transition Guide. Inside is everything you need to know about the transition to the new investment options
Retirement Plans Transition Guide Inside is everything you need to know about the transition to the new investment options Table of Contents 1 INTRODUCING ENHANCEMENTS TO THE 403(b) AND 401(a) RETIREMENT
More informationHelp for pursuing your financial goals
Help for pursuing your financial goals Pursuing financial well-being TIAA can help hat does success look like for you? On the following pages, you can learn about some of TIAA s products and services,
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 informationMake your tomorrow better
Make your tomorrow better Helping you plan and invest for retirement Table of contents 3 Making it easier to plan and invest for retirement Information for: 5 TIAA-only participants 6 Vanguard-only participants
More informationAnnouncing changes to the University of Richmond Retirement Program
Announcing changes to the University of Richmond Retirement Program The University of Richmond continually looks for ways to help you make the most of your retirement savings. After a recent review of
More informationOPEN YOUR RETIREMENT ACCOUNT
ENROLLMENT INSTRUCTIONS OPEN YOUR RETIREMENT ACCOUNT NEED HELP? Call 800 842-2252 FILL OUT YOUR ENROLLMENT FORM Monday to Friday from STEP 1 CHOOSE YOUR INVESTMENTS 8 a.m. to 10 p.m., and Select from the
More informationGreater confidence about retirement starts today. Announcing changes to the Saint Anselm College Retirement Plans
Greater confidence about retirement starts today Announcing changes to the Saint Anselm College Retirement Plans Table of Contents A new chapter is about to start 1 Action plan for the changes 2 Your new
More informationUNIVERSITY OF COLORADO TAX-DEFERRED ANNUITY PLAN
UNIVERSITY OF COLORADO TAX-DEFERRED ANNUITY PLAN OPEN YOUR RETIREMENT ACCOUNT ENROLLMENT INSTRUCTIONS NEED HELP? Call 800 TIAA-CREF (800 842-2273) Monday to Friday from 8 a.m. to 10 p.m., and Saturday
More informationUNT System ORP and TSA Retirement Program Changes Questions & Answers click to view
click to view The Retirement Redesign 1. Why is UNT System redesigning the retirement plans?...2 2. Who is impacted by the redesign?... 2 3. What was the decision making process?... 2 4. When will these
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 informationMSKCC RETIREMENT SAVINGS PLAN (RSP) BASE PLUS MATCH PLAN
Quarterly Investment Update MSKCC RETIREMENT SAVINGS PLAN (RSP) BASE PLUS MATCH PLAN Investment Performance as of 6/30/2018 The performance data quoted represents past performance, and is no guarantee
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 informationGuide to online withdrawals
Less time, paper and phone calls Many types of withdrawal requests can be completed online through your account on TIAA.org, 1 which saves time and reduces the need for paper forms. This guide includes
More informationThe road to retirement. Announcing updates to the Providence College Retirement Plans
The road to retirement Announcing updates to the Providence College Retirement Plans Providence College is pleased to announce updates to the Providence College Retirement Plans, effective on or about
More informationYour Arizona University System Optional Retirement Plan Transition Guide
Your Arizona University System Optional Retirement Plan Transition Guide Guiding you through the retirement plan changes ahead. Inside are details about the transition of the Arizona University System
More informationStrategies for staying on track. Prepare yourself for the journey ahead
Strategies for staying on track Prepare yourself for the journey ahead TIAA and you: Working together to pursue a financially secure future At TIAA, our mission is simple: We re here to help our customers
More informationTennessee Valley Authority Retirement System. Decision Guide
Tennessee Valley Authority Retirement System 401(k) Plan N e w I n v e st m e n t Li n e u p Decision Guide 401(k) PLAN The TVA 401(k) Plan (the Plan) is an important part of your overall benefits package.
More informationFrequently Asked Questions
Frequently Asked Questions University of Delaware Retirement Program Transition Overview Q1: What changes will be made to the University of Delaware Retirement Program? A: The University of Delaware sponsors
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 informationINVESTING IN YOUR FUTURE: A TIAA FINANCIAL ESSENTIALS WORKSHOP. Money at Work 1: Foundations of investing
INVESTING IN YOUR FUTURE: A TIAA FINANCIAL ESSENTIALS WORKSHOP Money at Work 1: Foundations of investing Staying on course: Today s agenda Retirement Advisor Understanding saving Risk tolerance Asset classes
More informationImportant changes to your Teleflex 401(k) Savings Plan
Important changes to your Teleflex 401(k) Savings Plan Upcoming Changes Teleflex continually reviews your 401(k) Savings Plan (the Plan ), its features, and the investment lineup to help ensure your Plan
More informationUnderlying Investments Performance / Annuity Rates of Return. Inception Date
Date 7/31/2014 Benchmark Index Morningstar Lifetime Index The returns quoted represent past performance, which is no guarantee of future results. Returns and the principal value of your investment will
More informationOPEN YOUR RETIREMENT ACCOUNT
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. (ET) or visit tiaa.org HABLA ESPAÑOL?* Llame
More informationThe George Washington University Retirement Plans. How to get started
The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education
More informationFrequently Asked Questions
Frequently Asked Questions The University of Chicago Retirement Plan Overview for All Participants General Information on Retirement Plan Changes These FAQs are intended to provide general information.
More informationHow to add your bank account to your TIAA Brokerage Account
How to add your bank account to your TIAA Brokerage Account Once you ve taken these steps, you can easily transfer money between your bank account(s) and your TIAA Brokerage Account(s) online. STEP 1 Enter
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 informationThe road to retirement. Announcing enhancements to the Central Michigan University Retirement Program
The road to retirement Announcing enhancements to the Central Michigan University Retirement Program Table of contents A new chapter is about to start 1 Action plan for the enhancements 2 New 3-tiered
More information