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Ball State University 457(b) Plan
A 457(b) plan allows eligible employees to defer compensation to the future, lowering current taxable income and offering potential tax-deferred growth.
Below is a performance summary of all the investments in your plan available through Fidelity. Click on an investment to view quarter-end returns, risks, fees and expenses.
To view a performance summary of all the investments in your plan available through TIAA, click here.
These are products that can offer an easy-to-manage diversified portfolio in a single fund. They may contain many different asset classes, including stocks, bonds, and short-term investments. While different funds are arranged according to different asset allocations, what they all do is provide you with the opportunity to own a diversified portfolio with just one fund.
Depending on your retirement savings plan, there are two options to consider: Target Date Funds which are based on an anticipated retirement date and Target Allocation Funds that are based on a risk tolerance and time horizon.
Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.
INVESTMENTS | ASSET CLASS | CATEGORY | AVERAGE ANNUAL TOTAL RETURNS | CUMULATIVE RETURNS | ||||||
---|---|---|---|---|---|---|---|---|---|---|
1 Yr |
3 Yr |
5 Yr |
10 Yr |
Life |
3 Mon |
YTD |
As of Date |
|||
STATE ST TR 2020 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
9.43% |
1.45% |
5.64% |
-- |
5.67% |
5.72% |
7.61% |
07/31/2024 |
STATE ST TR 2025 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
10.74% |
1.82% |
6.84% |
-- |
6.68% |
6.45% |
9.04% |
07/31/2024 |
STATE ST TR 2030 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
11.78% |
2.18% |
7.73% |
-- |
7.33% |
7.13% |
10.31% |
07/31/2024 |
STATE ST TR 2035 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
12.46% |
2.42% |
8.23% |
-- |
7.74% |
7.56% |
11.14% |
07/31/2024 |
STATE ST TR 2040 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
12.94% |
2.70% |
8.76% |
-- |
8.07% |
7.82% |
11.80% |
07/31/2024 |
STATE ST TR 2045 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
13.43% |
2.96% |
9.17% |
-- |
8.36% |
8.05% |
12.29% |
07/31/2024 |
STATE ST TR 2050 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
13.84% |
3.20% |
9.51% |
-- |
8.49% |
8.13% |
12.74% |
07/31/2024 |
STATE ST TR 2055 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
13.98% |
3.25% |
9.52% |
-- |
8.51% |
8.21% |
12.85% |
07/31/2024 |
STATE ST TR 2060 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
13.99% |
3.26% |
9.53% |
-- |
8.50% |
8.24% |
12.82% |
07/31/2024 |
STATE ST TR 2065 K
Inception Date 03/30/2020 |
Blended Investments* |
N/A |
13.99% |
3.25% |
-- |
-- |
13.84% |
8.20% |
12.82% |
07/31/2024 |
STATE ST TR INC K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
9.24% |
1.52% |
4.95% |
-- |
4.65% |
5.56% |
7.45% |
07/31/2024 |
Core funds are designed to constitute the essential elements of your overall investment portfolio. Different fund companies define core funds differently, but typically these funds include several types of investments that are suitable for most investors, making it easier to get the investment exposure they want without buying a huge number of individual stocks, funds, or other securities.
You may choose from a range of fund choices that reflect different styles and goals.
Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.
You may lose money by investing in a money market fund. Not all money market funds operate the same way and depending on the fund, you may be subject to certain operating policies and risks not applicable to other money market funds. Please click on the name of the fund below for risks specific to that fund.
INVESTMENTS | ASSET CLASS | CATEGORY | AVERAGE ANNUAL TOTAL RETURNS | CUMULATIVE RETURNS | ||||||
---|---|---|---|---|---|---|---|---|---|---|
1 Yr |
3 Yr |
5 Yr |
10 Yr |
Life |
3 Mon |
YTD |
As of Date |
|||
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
Large Cap |
27.12% |
9.37% |
15.90% |
12.97% |
11.00% |
7.39% |
19.51% |
08/31/2024 |
FID EXTD MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Mid-Cap |
20.46% |
-0.65% |
10.64% |
8.91% |
8.46% |
6.34% |
9.99% |
08/31/2024 |
FID GLB EX US IDX
Inception Date 09/08/2011 |
Stock Investments |
International |
18.20% |
2.21% |
7.62% |
4.46% |
5.84% |
4.54% |
11.22% |
08/31/2024 |
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
7.21% |
-2.13% |
-0.07% |
1.61% |
5.09% |
4.83% |
3.13% |
08/31/2024 |
Are you focused on building retirement savings or a retirement income stream?
Annuities are investment products issued by insurance companies that can help you save for retirement, generate a stream of income in retirement, or both. There are different types of annuities with different purposes.
INVESTMENTS | ASSET CLASS | CATEGORY | AVERAGE ANNUAL TOTAL RETURNS | CUMULATIVE RETURNS | ||||||
---|---|---|---|---|---|---|---|---|---|---|
1 Yr |
3 Yr |
5 Yr |
10 Yr |
Life |
3 Mon |
YTD |
As of Date |
|||
MIROVA GLB SUST EQ Y
Inception Date 03/31/2016 |
Stock Investments |
N/A |
17.10% |
3.13% |
12.51% |
-- |
12.48% |
7.03% |
19.30% |
07/31/2024 |
TRP US EQ RSCH I
Inception Date 11/30/1994 |
Stock Investments |
Large Cap |
24.50% |
10.72% |
15.91% |
13.80% |
10.21% |
9.91% |
20.67% |
07/31/2024 |
AMG GW&K SM MD CP Z
Inception Date 06/30/2015 |
Stock Investments |
Mid-Cap |
14.24% |
3.31% |
11.49% |
-- |
9.04% |
8.26% |
9.77% |
07/31/2024 |
MFS INTL EQUITY R6
Inception Date 01/31/1996 |
Stock Investments |
International |
10.56% |
4.71% |
9.17% |
7.01% |
7.97% |
6.50% |
11.75% |
07/31/2024 |
PGIM TOTAL RTN BD R6
Inception Date 01/10/1995 |
Bond Investments |
Income |
7.04% |
-2.26% |
0.69% |
2.45% |
5.16% |
5.15% |
4.31% |
07/31/2024 |
VANG ST INF PS IDX A
Inception Date 10/16/2012 |
Bond Investments |
Income |
5.76% |
1.99% |
3.29% |
2.10% |
1.81% |
2.43% |
3.81% |
07/31/2024 |
VANG VMMR-FED MMKT
Inception Date 07/13/1981 7 day yield % as of 07/31/2024: 5.29 ** |
Short-Term Investments |
N/A |
5.42% |
3.25% |
2.19% |
1.52% |
3.92% |
1.34% |
3.55% |
07/31/2024 |
Are you interested in investing in options beyond what your plan offers in the standard lineup?
A self-directed brokerage account allows you to make investments beyond those offered in you workplace retirement savings plan.
For more information or to open a self-directed brokerage account, first enroll in your Fidelity workplace retirement savings plan. Then visit www.netbenefits.com > Quick Links > BrokerageLink where you can open an account or review additional information, including the commission schedule for applicable fees and risks.
BrokerageLink includes investments beyond those in your plan's lineup. You should compare investments and share classes that are in your plan's lineup with those available through BrokerageLink, and determine the available investments and share class that is appropriate for your situation. The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure that the investments you select are suitable for your situation, including your goals, time horizon, and risk tolerance.
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
The 457(b) Deferred Compensation Plan is a 457(b) voluntary retirement savings plan available to all employees, including student employees. New elections and changes to existing contribution rates may be made at any time by logging into your Fidelity account. Changes in contribution rates generally take one to two paychecks to take effect.
An employee may elect to deduct a percentage of their pay, up to 75 percent, to a 457(b) Deferred Compensation Plan at Fidelity. Contributions may be made on a pre-tax or post-tax (Roth) basis or both. Contributions are remitted to accounts on a bi-weekly basis, the week following each pay date. To begin making contributions to the 457(b) Deferred Compensation Plan:
With Roth contributions, you can make after-tax payroll contributions to your plan and withdraw those contributions tax-free (subject to the terms of the plan). Your earnings may also be withdrawn tax-free if you have a qualified distribution. A qualified distribution, in this case, is one that is taken five tax years after the year of your first Roth contribution and after you have reached age 59½, become disabled, or died.
Through automatic payroll contributions, you can contribute as little as $15 and as much as 75% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits.
Unlike a Roth IRA, there are no income limits to be eligible for a Roth 403(b) option within an employer-sponsored retirement plan. Generally, a Roth contribution may be beneficial if you expect your tax rate in retirement will be higher than it had been during the years you contributed.
For information about a Roth conversion, please call a Workplace Financial Consultant at 1-800-343-0860.
When you are "vested" in your savings, it effectively means the money is yours to keep. You are always 100% vested in all contributions you make to your plan, as well as any earnings on them.
Your beneficiary or beneficiaries will inherit your account in the event of your death. You should consider identifying a beneficiary when you enroll in your plan, and updating the information if you experience a life-changing event such as a marriage, divorce, birth of a child, or death in the family.
Fidelity's Online Beneficiaries Service, available through NetBenefits® offers a straightforward, convenient process that takes just minutes.
Go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'.
A participant may withdraw funds from their plan account upon (1) attainment of age 59 ½ or older while employed or (2) upon retirement or termination of employment. Withdrawals prior to age 59 ½ are not subject to early withdrawal penalties.
Loans and hardship distributions from the plan are not allowed.
Loans and hardship distributions from the plan are not allowed.
Online, on the phone, or in person, you have access to your account the way you want it. Log in online to NetBenefits® virtually 24/7 or call Fidelity at 1-800-343-0860 to speak with a representative or use the automated voice response system.
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Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available, summary prospectus containing this information. Read it carefully.
** The current yield of the money market mutual fund listed above reflects the current earnings of the fund, while the total return refers to a specific past holding period.
*** The yield without applicable waivers or reimbursements, whenever Fidelity is subsidizing all or a portion of the fund's expenses as of the current reporting period. Absent such waivers or reimbursements, the returns would have been lower. Waivers and/or reimbursements may be discontinued any time.
Investing involves risk, including risk of loss.
Footnotes 1, 2, 3 and 4 below pertain to the performance tables located on the Investment Options tab:
1 Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Investing in stock involves risks, including the loss of principal.
2Total returns are historical and include change in share price and reinvestment of dividends and capital gains, if any. These figures do not include the effect of sales charges, if any, as these fees are waived for contributions made through your retirement plan. If sales charges were included, returns would have been lower. Life of fund figures are from the inception date to the period shown. For unitized funds, the inception date shown may be that of the fund's underlying investment option. For non-mutual fund pools and trusts whose strategies may be offered to multiple clients, and whose returns may be based on a composite, the inception date shown may be the beginning date of the composite's returns.
3In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.
4Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.
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