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Bentley University Retirement Plan
The Bentley University Retirement Plan offers you powerful, tax-deferred opportunities to save for your future.
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 explore your TIAA Investment Options, 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 |
|||
|
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
N/A |
15.94% |
10.51% |
11.11% |
12.80% |
10.58% |
8.29% |
13.89% |
08/31/2023 |
|
FID CONTRAFUND K6
Inception Date 05/25/2017 |
Stock Investments |
N/A |
23.40% |
5.92% |
10.72% |
-- |
13.46% |
9.35% |
23.93% |
08/31/2023 |
|
FID EXTD MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
N/A |
8.39% |
5.37% |
5.19% |
9.08% |
8.02% |
10.03% |
8.08% |
08/31/2023 |
|
FID INTL INDEX
Inception Date 11/05/1997 |
Stock Investments |
N/A |
18.67% |
6.25% |
4.33% |
5.07% |
4.88% |
3.35% |
8.42% |
08/31/2023 |
|
PARNASSUS CORE EQ IV
Inception Date 08/31/1992 |
Stock Investments |
N/A |
16.45% |
10.15% |
11.90% |
12.49% |
11.03% |
7.99% |
12.67% |
08/31/2023 |
|
FID FREEDOM 2005
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
2.22% |
-0.07% |
2.53% |
3.88% |
4.31% |
0.74% |
2.60% |
08/31/2023 |
|
FID FREEDOM 2010
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
3.32% |
0.66% |
3.07% |
4.63% |
5.85% |
1.21% |
3.26% |
08/31/2023 |
|
FID FREEDOM 2015
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
4.37% |
1.38% |
3.58% |
5.25% |
5.36% |
1.68% |
3.97% |
08/31/2023 |
|
FID FREEDOM 2020
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
5.40% |
2.03% |
4.05% |
5.76% |
6.33% |
2.17% |
4.70% |
08/31/2023 |
|
FID FREEDOM 2025
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
6.50% |
2.69% |
4.50% |
6.31% |
6.07% |
2.59% |
5.28% |
08/31/2023 |
|
FID FREEDOM 2030
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
7.80% |
3.66% |
5.07% |
7.10% |
6.70% |
3.17% |
6.08% |
08/31/2023 |
|
FID FREEDOM 2035
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
10.23% |
5.42% |
6.04% |
7.98% |
6.90% |
4.11% |
7.58% |
08/31/2023 |
|
FID FREEDOM 2040
Inception Date 09/06/2000 |
Blended Investments* |
N/A |
12.40% |
6.75% |
6.80% |
8.43% |
4.89% |
5.16% |
9.06% |
08/31/2023 |
|
FID FREEDOM 2045
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
12.83% |
6.87% |
6.87% |
8.48% |
6.51% |
5.32% |
9.25% |
08/31/2023 |
|
FID FREEDOM 2050
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
12.80% |
6.85% |
6.87% |
8.48% |
6.39% |
5.25% |
9.25% |
08/31/2023 |
|
FID FREEDOM 2055
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
12.86% |
6.86% |
6.88% |
8.51% |
8.06% |
5.32% |
9.24% |
08/31/2023 |
|
FID FREEDOM 2060
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
12.77% |
6.86% |
6.86% |
-- |
7.81% |
5.29% |
9.25% |
08/31/2023 |
|
FID FREEDOM 2065
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
12.85% |
6.87% |
-- |
-- |
8.14% |
5.31% |
9.27% |
08/31/2023 |
|
FID FREEDOM INCOME
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
2.04% |
-0.45% |
2.26% |
3.18% |
4.30% |
0.67% |
2.38% |
08/31/2023 |
|
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
N/A |
-1.16% |
-4.43% |
0.50% |
1.47% |
5.03% |
-1.01% |
-0.09% |
08/31/2023 |
|
LD ABT HIGH YIELD R5
Inception Date 12/31/1998 |
Bond Investments |
N/A |
4.26% |
0.69% |
1.83% |
4.04% |
5.72% |
2.39% |
4.12% |
08/31/2023 |
|
FID GOVT MMRK PRM
Inception Date 02/05/1990 7 day yield % as of 08/31/2023: 5.08 ** 7 day restated yield % as of 08/31/2023: 5.01 *** |
Short-Term Investments |
N/A |
4.15% |
1.49% |
1.47% |
0.90% |
2.60% |
1.25% |
3.43% |
08/31/2023 |
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 |
|||
|
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
N/A |
14.11% |
1.27% |
4.09% |
5.90% |
9.94% |
3.10% |
5.74% |
08/31/2023 |
|
AM CENT MD CP VAL R6
Inception Date 03/31/2004 |
Stock Investments |
N/A |
5.36% |
11.91% |
6.39% |
9.70% |
9.72% |
4.50% |
-2.53% |
08/31/2023 |
|
BLKRK EQUITY DIV I
Inception Date 11/29/1988 |
Stock Investments |
N/A |
8.02% |
11.63% |
7.20% |
9.60% |
9.84% |
4.89% |
3.71% |
08/31/2023 |
|
BLKRK MIDCAP GRTH IS
Inception Date 12/27/1996 |
Stock Investments |
N/A |
9.82% |
0.56% |
7.28% |
12.41% |
9.75% |
8.81% |
11.39% |
08/31/2023 |
|
MM SM CAP GR EQ R5
Inception Date 05/03/1999 |
Stock Investments |
N/A |
6.34% |
4.25% |
6.07% |
10.14% |
8.63% |
7.96% |
3.53% |
08/31/2023 |
|
VAN REAL EST IDX ADM
Inception Date 05/13/1996 |
Stock Investments |
N/A |
-7.14% |
4.02% |
3.45% |
6.66% |
9.00% |
4.21% |
-4.08% |
08/31/2023 |
|
VICTORY S SM CO OP A
Inception Date 08/16/1983 |
Stock Investments |
N/A |
1.33% |
11.70% |
4.94% |
9.50% |
9.63% |
2.64% |
-0.61% |
08/31/2023 |
|
LOOMIS CORE PL BD Y
Inception Date 11/07/1973 |
Bond Investments |
N/A |
-0.11% |
-3.62% |
1.13% |
2.30% |
6.47% |
-1.13% |
0.04% |
08/31/2023 |
|
VANG INFL PROT ADM
Inception Date 06/29/2000 |
Bond Investments |
N/A |
-3.92% |
-1.58% |
2.17% |
2.00% |
4.52% |
-1.23% |
0.05% |
08/31/2023 |
A self-directed brokerage account allows you to make investments beyond those offered in your 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 available in your plan's lineup with those available through BrokerageLink, and determine the available investment 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.
You are immediately eligible to enroll in the Plan
All employees may make voluntary contributions to the Bentley University Retirement Plan at any time. Such contributions and any earnings are exempted from state and federal taxation until collected as income through a distribution. For more detailed information, please refer to the Summary Plan Description for the Bentley University Retirement Plan.
If you have not enrolled in the Plan within 45 days of your eligiblity, or opted out by choosing a 0% contribution amount, you will be automatically enrolled in the Plan at a rate of 3%. You will also be enrolled in the Annual Increase Program which will increase your deferral by 1% each year until you reach a 10% contribution.
If no investments are chosen, your contributions will be invested in a Target Date Fund based on your date of birth. Target 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.
We encourage you to choose a contribution rate and investment options that are appropriate for you.
Enrolling in the Plan is easy!
Step 1: Visit NetBenefits® by logging in through this website and enroll in the Plan by choosing your preferred retirement provider (Fidelity Investments or TIAA) and contritribution percentage.
Step 2: Choose your investments. If you have chosen Fidelity as your retirement provider you will be prompted to choose investments as part of the enrollment process. If you choose TIAA as your provider, you will be prompted to link to TIAA's website to choose your investments.
Step 3: Establish your beneficiaries with your chosen provider(s).
Decide how much of your salary you'd like to save in your workplace retirement savings plan. For help, use our calculator that matches your retirement plan type (403(b), 401(k), 457(b), etc.) to determine the maximum amount of your salary you can contribute. Try now.
You can choose to direct 100% of your deferral election to one provider or split your deferral election to contribute a portion to each retirement provider. For example, you can elect to direct 50% to Fidelity and the other 50% to TIAA. Or you can elect any other split you prefer as long as the total equals 100%.
If you are age 50 or older, you have the ability to make "catch-up contributions" to your plan, up to the current IRS dollar limits.
If you are age 50 or older, you have the ability to make additional contributions to your plan, up to the current IRS dollar limits. View the limits here: IRS DOLLAR LIMITS
When you are "vested" in your savings, it effectively means the money is yours to keep. You are always 100% vested in all contributions 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.
If you have an account with Fidelity, login to Fidelity NetBenefits®, go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
You are generally allowed to withdraw money from your plan when you leave your employer, retire or become permanently disabled. Also you may be eligible for a distribution if you have a financial hardship as defined by your plan. Withdrawals may be subject to income taxes and, if they occur prior to you becoming age 59˝, a 10% early withdrawal tax penalty.
For more information, call the Fidelity Retirement Services Center at 1-800-343-0860.
If you have an account with TIAA, you can call 800-842-2252.
If you have retirement savings in another employer's plan or in an IRA, consolidating accounts may help make it easier to manage your savings but there are several options. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.
If you're not sure about the best option for you, talk to a Fidelity or TIAA representative today. They can explain each option in greater detail so you can make the best choice for your specific needs.
Fidelity: Call 800-343-0860 or log in to your account by entering your username and password at the top of this website.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
Online, on the phone, or in person, you have access to your account the way you want it. Log in to NetBenefits® virtually 24/7 or call Fidelity at 800-343-0860 to speak with a representative or use the automated voice response system.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
A little extra saved today could make a big difference in retirement. Login now.
Update my fund choices or provider to help meet my financial goals. Login now.
It's complimentary, thanks to your employer. Talk with a financial professional to get help with your financial goals.
Get quick answers or help enrolling.
| Fidelity | 1-800-343-0860 |
| TIAA | 1-800-842-2252 |
The providers above are independent entities and are not legally affiliated.
Schedule time with a financial professional to get help with your financial goals.
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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