To view this fund's performance and other information, log in to NetBenefits.
Cornell University Retirement Plan (CURP)
The CURP Plan is designed to provide retirement income to endowed employees (both Ithaca and NYC Tech) during their retirement.
Choose from the tiers of investments below. Tiers are distinct categories designed to simplify your investment choices. At any time, you may use investments from any and all tiers.
When and Why:
Depending on your 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 FDM IDX 2010 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
10.95% |
0.67% |
4.09% |
4.36% |
5.59% |
4.54% |
6.37% |
08/31/2024 |
FID FDM IDX 2015 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
12.36% |
0.91% |
4.96% |
5.01% |
6.15% |
4.86% |
7.37% |
08/31/2024 |
FID FDM IDX 2020 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
13.84% |
1.17% |
5.78% |
5.58% |
6.80% |
5.28% |
8.46% |
08/31/2024 |
FID FDM IDX 2025 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
15.06% |
1.59% |
6.54% |
6.09% |
7.51% |
5.52% |
9.33% |
08/31/2024 |
FID FDM IDX 2030 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
16.20% |
2.14% |
7.49% |
6.87% |
8.21% |
5.69% |
10.14% |
08/31/2024 |
FID FDM IDX 2035 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
18.03% |
2.98% |
9.08% |
7.85% |
9.10% |
5.84% |
11.49% |
08/31/2024 |
FID FDM IDX 2040 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
20.32% |
4.01% |
10.41% |
8.49% |
9.57% |
6.08% |
13.28% |
08/31/2024 |
FID FDM IDX 2045 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
21.15% |
4.37% |
10.63% |
8.60% |
9.69% |
6.16% |
13.96% |
08/31/2024 |
FID FDM IDX 2050 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
21.12% |
4.36% |
10.63% |
8.60% |
9.72% |
6.15% |
13.94% |
08/31/2024 |
FID FDM IDX 2055 IPR
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
21.09% |
4.37% |
10.62% |
8.59% |
8.89% |
6.15% |
13.94% |
08/31/2024 |
FID FDM IDX 2060 IPR
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
21.11% |
4.36% |
10.63% |
8.59% |
8.88% |
6.11% |
13.91% |
08/31/2024 |
FID FDM IDX 2065 IPR
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
21.10% |
4.36% |
10.64% |
-- |
10.04% |
6.13% |
13.96% |
08/31/2024 |
FID FDM IDX INC IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
9.73% |
0.56% |
2.92% |
3.24% |
3.68% |
4.25% |
5.55% |
08/31/2024 |
FID FREEDOM 2010 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
11.25% |
0.53% |
4.47% |
4.60% |
6.05% |
4.26% |
6.41% |
08/31/2024 |
FID FREEDOM 2015 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
12.80% |
0.86% |
5.45% |
5.29% |
5.73% |
4.58% |
7.53% |
08/31/2024 |
FID FREEDOM 2020 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
14.40% |
1.18% |
6.39% |
5.87% |
6.62% |
4.81% |
8.72% |
08/31/2024 |
FID FREEDOM 2025 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
15.74% |
1.64% |
7.22% |
6.39% |
6.54% |
5.02% |
9.76% |
08/31/2024 |
FID FREEDOM 2030 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
16.93% |
2.21% |
8.27% |
7.18% |
7.08% |
5.07% |
10.61% |
08/31/2024 |
FID FREEDOM 2035 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
18.90% |
3.14% |
10.03% |
8.17% |
7.48% |
5.13% |
12.08% |
08/31/2024 |
FID FREEDOM 2040 K
Inception Date 09/06/2000 |
Blended Investments* |
N/A |
21.29% |
4.22% |
11.45% |
8.82% |
5.55% |
5.12% |
13.91% |
08/31/2024 |
FID FREEDOM 2045 K
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
22.31% |
4.60% |
11.71% |
8.93% |
7.35% |
5.26% |
14.75% |
08/31/2024 |
FID FREEDOM 2050 K
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
22.34% |
4.62% |
11.71% |
8.93% |
7.25% |
5.27% |
14.75% |
08/31/2024 |
FID FREEDOM 2055 K
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
22.24% |
4.59% |
11.69% |
8.93% |
9.13% |
5.20% |
14.69% |
08/31/2024 |
FID FREEDOM 2060 K
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
22.33% |
4.60% |
11.69% |
8.92% |
9.24% |
5.25% |
14.72% |
08/31/2024 |
FID FREEDOM 2065 K
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
22.20% |
4.61% |
11.67% |
-- |
10.83% |
5.19% |
14.67% |
08/31/2024 |
FID FREEDOM INC K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
9.78% |
0.32% |
3.12% |
3.44% |
4.50% |
4.07% |
5.45% |
08/31/2024 |
When and Why:
Investors 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 CONTRAFUND K
Inception Date 05/17/1967 |
Stock Investments |
Large Cap |
38.78% |
9.46% |
18.22% |
14.97% |
13.00% |
6.96% |
28.65% |
08/31/2024 |
MFS VALUE R6
Inception Date 01/02/1996 |
Stock Investments |
Large Cap |
15.93% |
6.91% |
10.00% |
9.74% |
10.23% |
7.15% |
15.84% |
07/31/2024 |
VANG INST INDEX PLUS
Inception Date 07/31/1990 |
Stock Investments |
Large Cap |
22.12% |
9.57% |
14.98% |
13.14% |
10.64% |
10.04% |
19.51% |
07/31/2024 |
CRLN E MID CAP GR R6
Inception Date 08/20/1998 |
Stock Investments |
Mid-Cap |
6.81% |
-2.66% |
8.41% |
11.00% |
11.55% |
-0.36% |
4.86% |
07/31/2024 |
JH DSCPL VAL MDCP R6
Inception Date 06/02/1997 |
Stock Investments |
Mid-Cap |
15.71% |
8.21% |
11.36% |
10.17% |
10.23% |
6.51% |
11.11% |
07/31/2024 |
VANG MIDCAP IDX INST
Inception Date 05/21/1998 |
Stock Investments |
Mid-Cap |
12.35% |
3.14% |
9.97% |
9.82% |
9.94% |
6.23% |
11.88% |
07/31/2024 |
VANG EXPLORER ADM
Inception Date 12/11/1967 |
Stock Investments |
Small Cap |
12.09% |
0.60% |
10.02% |
10.79% |
9.55% |
7.44% |
9.77% |
07/31/2024 |
VANG SM CAP IDX INST
Inception Date 10/03/1960 |
Stock Investments |
Small Cap |
13.45% |
3.23% |
9.61% |
9.36% |
10.59% |
9.52% |
10.20% |
07/31/2024 |
VANG SMCPVL IDX ADM
Inception Date 05/21/1998 |
Stock Investments |
Small Cap |
16.15% |
7.36% |
10.81% |
9.30% |
8.87% |
10.48% |
11.48% |
07/31/2024 |
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
International |
8.96% |
-1.58% |
6.48% |
5.59% |
10.05% |
3.74% |
11.81% |
07/31/2024 |
MFS INTL INTR VAL R6
Inception Date 10/24/1995 |
Stock Investments |
International |
14.83% |
1.69% |
8.23% |
8.14% |
8.19% |
7.47% |
14.61% |
07/31/2024 |
VANG TOT INTL STK IS
Inception Date 04/29/1996 |
Stock Investments |
International |
9.83% |
1.73% |
6.77% |
4.50% |
4.97% |
5.97% |
10.75% |
07/31/2024 |
C&S INST REALTY SHS
Inception Date 02/14/2000 |
Stock Investments |
Specialty |
12.09% |
0.65% |
6.21% |
7.92% |
10.81% |
16.29% |
12.57% |
07/31/2024 |
Inception Date 10/01/2014 |
Bond Investments |
Stable Value |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
FH SHORT-TM INC SS
Inception Date 07/01/1986 |
Bond Investments |
Income |
6.82% |
1.41% |
1.84% |
1.74% |
4.10% |
2.79% |
4.32% |
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 LT INV GR ADM
Inception Date 07/09/1973 |
Bond Investments |
Income |
4.47% |
-7.03% |
-0.84% |
2.69% |
7.46% |
6.81% |
1.96% |
07/31/2024 |
VANG TOT BD MKT INST
Inception Date 12/11/1986 |
Bond Investments |
Income |
5.21% |
-2.64% |
0.23% |
1.60% |
5.16% |
5.05% |
3.06% |
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 |
When and Why:
This extensive list of mutual funds is for more experienced investors who have the ability to create and manage a portfolio through a substantially larger selection of investments.
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 |
Large Cap |
27.12% |
9.37% |
15.90% |
12.97% |
11.00% |
7.39% |
19.51% |
08/31/2024 |
FID BLUE CHIP GR K
Inception Date 12/31/1987 |
Stock Investments |
Large Cap |
35.24% |
7.01% |
21.62% |
17.29% |
13.07% |
4.06% |
24.99% |
08/31/2024 |
FID EQ DIV INCOME K
Inception Date 08/21/1990 |
Stock Investments |
Large Cap |
21.45% |
9.55% |
12.35% |
9.35% |
10.19% |
8.12% |
15.31% |
08/31/2024 |
FID FUND K
Inception Date 04/30/1930 |
Stock Investments |
Large Cap |
30.91% |
8.11% |
17.29% |
13.56% |
10.46% |
5.63% |
22.93% |
08/31/2024 |
FID GROWTH CO K
Inception Date 01/17/1983 |
Stock Investments |
Large Cap |
33.87% |
7.34% |
23.20% |
18.51% |
14.58% |
5.68% |
25.30% |
08/31/2024 |
FID GROWTH DISC K
Inception Date 03/31/1998 |
Stock Investments |
Large Cap |
33.77% |
9.33% |
20.13% |
15.98% |
10.65% |
6.73% |
24.83% |
08/31/2024 |
FID OTC K
Inception Date 12/31/1984 |
Stock Investments |
Large Cap |
30.79% |
6.20% |
19.75% |
17.12% |
14.45% |
4.16% |
21.74% |
08/31/2024 |
FID TOTAL MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Large Cap |
26.20% |
7.72% |
15.09% |
12.30% |
8.88% |
7.25% |
18.18% |
08/31/2024 |
FID VALUE DISCOV K
Inception Date 12/10/2002 |
Stock Investments |
Large Cap |
16.52% |
5.57% |
11.26% |
8.47% |
9.59% |
6.43% |
11.67% |
08/31/2024 |
J H GROWTH & INC I
Inception Date 05/15/1991 |
Stock Investments |
Large Cap |
12.92% |
6.30% |
11.34% |
11.64% |
10.95% |
7.21% |
12.68% |
07/31/2024 |
NB SUSTAIN EQ I
Inception Date 03/16/1994 |
Stock Investments |
Large Cap |
27.66% |
9.11% |
14.45% |
11.78% |
10.15% |
8.44% |
20.73% |
07/31/2024 |
VANG GRTH & INC ADM
Inception Date 12/10/1986 |
Stock Investments |
Large Cap |
22.81% |
9.83% |
15.01% |
13.03% |
10.88% |
8.74% |
20.04% |
07/31/2024 |
VANG GRTH INDEX INST
Inception Date 11/02/1992 |
Stock Investments |
Large Cap |
26.31% |
8.11% |
17.85% |
15.33% |
11.15% |
11.49% |
21.14% |
07/31/2024 |
BARON ASSET INST
Inception Date 06/12/1987 |
Stock Investments |
Mid-Cap |
9.86% |
-2.44% |
7.56% |
10.84% |
11.33% |
7.23% |
7.49% |
07/31/2024 |
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 GROWTH STRAT K
Inception Date 12/28/1990 |
Stock Investments |
Mid-Cap |
20.62% |
0.70% |
11.41% |
10.74% |
9.46% |
1.85% |
13.68% |
08/31/2024 |
FID LOW PRICED STK K
Inception Date 12/27/1989 |
Stock Investments |
Mid-Cap |
20.85% |
7.56% |
13.91% |
9.34% |
13.10% |
2.76% |
11.78% |
08/31/2024 |
FID MID CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Mid-Cap |
20.15% |
3.53% |
11.24% |
9.58% |
12.37% |
6.14% |
12.16% |
08/31/2024 |
FID MID CAP STOCK K
Inception Date 03/29/1994 |
Stock Investments |
Mid-Cap |
17.47% |
6.99% |
12.62% |
10.06% |
11.45% |
5.20% |
11.87% |
08/31/2024 |
FID SM CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Small Cap |
18.55% |
0.72% |
9.78% |
8.18% |
10.99% |
7.53% |
10.45% |
08/31/2024 |
JH SM CAP CORE R6
Inception Date 12/20/2013 |
Stock Investments |
Small Cap |
8.59% |
2.15% |
11.13% |
9.59% |
8.91% |
10.74% |
8.32% |
07/31/2024 |
FID DIVERSIFD INTL K
Inception Date 12/27/1991 |
Stock Investments |
International |
20.59% |
0.89% |
9.13% |
6.27% |
8.16% |
4.72% |
14.28% |
08/31/2024 |
FID EMERGING MKTS K
Inception Date 11/01/1990 |
Stock Investments |
International |
14.81% |
-3.60% |
7.13% |
5.75% |
5.54% |
3.82% |
10.15% |
08/31/2024 |
FID EMRG MKTS IDX
Inception Date 09/08/2011 |
Stock Investments |
International |
14.00% |
-3.36% |
4.43% |
2.40% |
2.77% |
4.89% |
8.86% |
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 INTL DISCOVERY K
Inception Date 12/31/1986 |
Stock Investments |
International |
25.27% |
0.02% |
8.98% |
6.18% |
7.61% |
5.39% |
18.55% |
08/31/2024 |
FID INTL INDEX
Inception Date 11/05/1997 |
Stock Investments |
International |
19.86% |
4.33% |
8.83% |
5.37% |
5.40% |
4.19% |
12.26% |
08/31/2024 |
FID OVERSEAS K
Inception Date 12/04/1984 |
Stock Investments |
International |
23.62% |
1.72% |
9.76% |
7.72% |
9.69% |
5.97% |
14.55% |
08/31/2024 |
J H GLB RESEARCH I
Inception Date 02/25/2005 |
Stock Investments |
International |
23.41% |
7.44% |
13.14% |
10.34% |
10.01% |
6.84% |
20.24% |
07/31/2024 |
MSIF GLB FRANCHISE I
Inception Date 11/28/2001 |
Stock Investments |
International |
9.81% |
3.48% |
8.64% |
9.97% |
10.92% |
7.46% |
10.42% |
07/31/2024 |
FID REAL ESTATE IDX
Inception Date 09/08/2011 |
Stock Investments |
Specialty |
20.37% |
-0.44% |
2.84% |
5.27% |
7.28% |
15.67% |
9.96% |
08/31/2024 |
FID BALANCED K
Inception Date 11/06/1986 |
Blended Investments* |
N/A |
19.90% |
5.34% |
12.15% |
9.65% |
9.60% |
5.50% |
13.47% |
08/31/2024 |
FID PURITAN K
Inception Date 04/16/1947 |
Blended Investments* |
N/A |
21.19% |
6.04% |
11.86% |
9.52% |
10.94% |
4.74% |
14.96% |
08/31/2024 |
J H BALANCED I
Inception Date 09/01/1992 |
Blended Investments* |
N/A |
15.03% |
3.96% |
8.90% |
8.70% |
9.67% |
7.33% |
13.35% |
07/31/2024 |
VANG BAL INDEX INST
Inception Date 11/09/1992 |
Blended Investments* |
N/A |
14.69% |
3.79% |
8.70% |
8.30% |
8.36% |
8.02% |
12.13% |
07/31/2024 |
FID INFL PR BD IDX
Inception Date 05/16/2012 |
Bond Investments |
Income |
6.12% |
-1.34% |
2.00% |
2.07% |
1.72% |
3.39% |
3.57% |
08/31/2024 |
FID INTM TR BD IDX
Inception Date 12/20/2005 |
Bond Investments |
Income |
6.56% |
-2.67% |
-0.53% |
1.38% |
3.29% |
5.33% |
3.18% |
08/31/2024 |
FID LT TR BD IDX
Inception Date 12/20/2005 |
Bond Investments |
Income |
4.78% |
-9.86% |
-5.22% |
0.62% |
3.63% |
7.35% |
0.78% |
08/31/2024 |
FID ST TR BD IDX
Inception Date 12/20/2005 |
Bond Investments |
Income |
6.22% |
0.27% |
0.98% |
1.31% |
2.22% |
3.29% |
3.26% |
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 |
PIM LT US GOVT INST
Inception Date 07/01/1991 |
Bond Investments |
Income |
0.39% |
-10.30% |
-3.37% |
0.83% |
6.51% |
8.28% |
1.03% |
07/31/2024 |
A self-directed brokerage account allows you to make investments beyond those offered in of 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.
Endowed employees are eligible to enroll based upon job position and scheduled hours of service. Contact Cornell Benefits Services for your individual eligibility date. You are eligible to enroll in the plan immediately. When you are ready to get started, click the "Enroll Now" button above or call 800-343-0860.
Step 1 - Set up an account via Workday
Log on to Workday(http://workday.cornell.edu) > Click on menu icon to left of search box > All About Me > Benefits button > Change: Benefits > choose Retirement Savings from the drop-down menu, enter effective date, click Submit at the bottom > Open > enter which direction you would like Cornell to send your money > click Continue > click Submit.
Step 2. Set Up a Fidelity Account®
Step 3. Confirm Your Enrollment at Fidelity
If you do not have access to the Internet, please contact Benefit Services at 607-255-3936 for more information.
Currently, the University pays the full cost of this plan by contributing a discretionary amount of the eligible employee's eligible earnings. You are neither required, nor permitted, to contribute to this plan.
When you are "vested" in your savings, it effectively means the money is yours to keep. All eligible employees are fully and immediately vested in their account balance under the plan. Your account balance is nonforfeitable at all times.
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'.
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.
You may not move money from another employers plan or an Individual Retirement Account (IRA) into the Cornell University Retirement Plan.
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.
Fidelity financial professionals provide complimentary one-on-one consultations for participants in your plan. You can also contact Fidelity for a statement of your account by calling 1-800-343-0860 or visiting NetBenefits®.
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Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a 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.
2 Total 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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