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Davidson College 403(b) Tax Deferred Annuity Plan
Your personal contributions are directed to this TDA plan. Participation in this plan can enhance the contribution that is made by Davidson College to the Davidson College 403(b) Retirement Plan.
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.
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
Inception Date 05/17/1967 |
Stock Investments |
Large Cap |
47.42% |
12.69% |
17.15% |
14.65% |
12.89% |
17.98% |
14.87% |
03/31/2024 |
VANGUARD INST INDEX
Inception Date 07/31/1990 |
Stock Investments |
Large Cap |
29.84% |
11.45% |
15.02% |
12.93% |
10.55% |
10.54% |
6.77% |
03/31/2024 |
VANG EXT MKT IDX INS
Inception Date 12/21/1987 |
Stock Investments |
Mid-Cap |
26.73% |
0.97% |
10.12% |
9.00% |
10.70% |
6.97% |
1.31% |
03/31/2024 |
AF EUROPAC GROWTH R5
Inception Date 04/16/1984 |
Stock Investments |
International |
13.44% |
-0.20% |
6.87% |
5.53% |
10.14% |
7.45% |
5.05% |
03/31/2024 |
VANG TOT INTL STK IS
Inception Date 04/29/1996 |
Stock Investments |
International |
13.00% |
1.91% |
6.19% |
4.48% |
4.89% |
4.32% |
2.20% |
03/31/2024 |
COHEN & STEERS RLTY
Inception Date 07/02/1991 |
Stock Investments |
Specialty |
9.53% |
3.39% |
5.73% |
7.65% |
10.74% |
-0.49% |
-6.82% |
03/31/2024 |
FID BALANCED
Inception Date 11/06/1986 |
Blended Investments* |
N/A |
21.13% |
6.46% |
11.65% |
9.57% |
9.50% |
7.13% |
4.07% |
03/31/2024 |
VANG TARGET RET 2020
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
10.42% |
1.98% |
5.60% |
5.63% |
5.99% |
2.83% |
0.63% |
03/31/2024 |
VANG TARGET RET 2025
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
12.95% |
2.68% |
6.55% |
6.31% |
6.64% |
3.81% |
1.36% |
03/31/2024 |
VANG TARGET RET 2030
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
14.78% |
3.34% |
7.36% |
6.87% |
6.74% |
4.54% |
1.80% |
03/31/2024 |
VANG TARGET RET 2035
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
16.37% |
4.02% |
8.17% |
7.43% |
7.50% |
5.24% |
2.40% |
03/31/2024 |
VANG TARGET RET 2040
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
17.94% |
4.69% |
8.96% |
7.95% |
7.46% |
5.85% |
2.90% |
03/31/2024 |
VANG TARGET RET 2045
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
19.45% |
5.34% |
9.74% |
8.40% |
8.20% |
6.45% |
3.41% |
03/31/2024 |
VANG TARGET RET 2050
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
20.42% |
5.68% |
9.99% |
8.53% |
7.81% |
6.86% |
3.76% |
03/31/2024 |
VANG TARGET RET 2055
Inception Date 08/18/2010 |
Blended Investments* |
N/A |
20.43% |
5.69% |
9.98% |
8.51% |
10.12% |
6.88% |
3.75% |
03/31/2024 |
VANG TARGET RET 2060
Inception Date 01/19/2012 |
Blended Investments* |
N/A |
20.44% |
5.70% |
9.99% |
8.51% |
9.91% |
6.87% |
3.76% |
03/31/2024 |
VANG TARGET RET 2065
Inception Date 07/12/2017 |
Blended Investments* |
N/A |
20.41% |
5.72% |
9.98% |
-- |
9.19% |
6.88% |
3.77% |
03/31/2024 |
VANG TARGET RET 2070
Inception Date 06/28/2022 |
Blended Investments* |
N/A |
20.51% |
-- |
-- |
-- |
16.01% |
6.88% |
3.76% |
03/31/2024 |
VANG TARGET RET INC
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
8.47% |
1.23% |
4.14% |
4.14% |
4.91% |
2.17% |
0.16% |
03/31/2024 |
PGIM TOTAL RTN BD Z
Inception Date 01/10/1995 |
Bond Investments |
Income |
4.50% |
-1.76% |
0.87% |
2.34% |
5.20% |
0.11% |
-2.18% |
03/31/2024 |
VANG TOT BD MKT INST
Inception Date 12/11/1986 |
Bond Investments |
Income |
1.67% |
-2.41% |
0.39% |
1.53% |
5.13% |
-0.79% |
-3.05% |
03/31/2024 |
FID GOVT MMRK PRM
Inception Date 02/05/1990 7 day yield % as of 03/31/2024: 5.07 ** 7 day restated yield % as of 03/31/2024: 5.03 *** |
Short-Term Investments |
N/A |
5.11% |
2.50% |
1.84% |
1.20% |
2.65% |
1.27% |
1.61% |
03/31/2024 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
There is no waiting period to begin making voluntary tax-deferred annuity contributions to the 403(b) TDA Plan.
You'll be automatically enrolled in the Davidson TDA Plan through Fidelity at a contribution rate of 2% of your pretax eligible earnings unless you choose another provider or contribution rate within the first 30 calendar days of your eligibility. If you do not make an active election, based on your date of birth and assuming a retirement age of 65, you will be invested in a Vanguard Target Retirement Date Fund with a corresponding target retirement date. Review the contribution amount and investment strategy to ensure they meet your needs. If you do not want to contribute to the Plan at this time, you may change your contribution rate to 0%. However, we hope that you take advantage of this great benefit, and we encourage you to take an active role in your retirement planning.
In order to be eligible for the 403(b) Retirement Plan and receive the College's contribution, an employee must have one year of service with the College and have worked 1,000 hours. In addition, you must be employed in a position that is eligible for 403(b) contributions. Temporary employees, fellows, adjunct professors, and CAC advisors are not eligible for 403(b) contributions.
Decide how much of your salary you'd like to save in your workplace retirement savings plan. For help, use our 403(b) calculator 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 'Profile' link, then select 'beneficiaries' and follow the online instructions.
If you have an account with TIAA, you will need to contact TIAA directly to update your beneficiaries by clicking on the drop down box at the top of the page under Your Account and change the page from Fidelity to TIAA or call 800-842-2252.
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.
Although your plan account is intended for the future, you may borrow from your account for any reason. Generally, plan rules allow you to borrow up to 50% of your vested account balance.
The minimum loan amount is $1,000, and a loan must not exceed $50,000.
Please contact your investment service provider directly for more information on taking a loan from your plan.
Fidelity: Call 800-343-0860 or log in to your account by entering your username and password at the top of the 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.
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.
To access your TIAA account, log in to your TIAA account by clicking the drop down box at the top of the page under Your Account and change the page from Fidelity to TIAA. You can also contact TIAA directly at 800-842-2252.
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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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