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DePaul University
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Plans & Investments

Plan Details

DePaul University 403(B) Retirement Plan

A 403(b) plan allows eligible employees to save on a tax-deferred basis through salary deduction.

  • Enrolling is fast and easy: Simply select the Enroll Now button on the right.
  • To learn more before you enroll, see Investment Options & Plan Basics below.
Enroll Now
  • Plan Basics

  • Investment Options

Choose from the list of investments below.

Investment Options

Explore All - shows details. Click to open.

Below is a performance summary of all the investments in your plan.  Click an investment to view quarter-end returns, risks, fees and expenses.

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

-7.71%

12.14%

9.81%

12.24%

10.31%

-2.29%

3.85%

02/28/2023

FID GROWTH CO K6

Inception Date 06/13/2019

Stock Investments

Large Cap

-14.44%

15.47%

--

--

16.04%

-0.36%

11.11%

02/28/2023

HARBOR CAP APP RET

Inception Date 12/29/1987

Stock Investments

Large Cap

-18.34%

7.30%

8.31%

13.42%

11.45%

-0.32%

14.12%

02/28/2023

MFS VALUE R6

Inception Date 01/02/1996

Stock Investments

Large Cap

-0.83%

10.83%

7.45%

10.33%

9.95%

-4.28%

-4.77%

02/28/2023

VANG GRTH INDEX INST

Inception Date 11/02/1992

Stock Investments

Large Cap

-15.87%

10.42%

10.66%

13.16%

9.99%

-0.42%

13.30%

02/28/2023

BNYM S/MD CP GR Y

Inception Date 01/04/1988

Stock Investments

Mid-Cap

-16.66%

5.11%

8.39%

11.44%

11.82%

1.19%

1.17%

02/28/2023

FID EXTD MKT IDX

Inception Date 11/05/1997

Stock Investments

Mid-Cap

-10.77%

9.20%

6.81%

9.72%

7.98%

1.91%

0.97%

02/28/2023

VANG SM GR IDX INST

Inception Date 05/21/1998

Stock Investments

Small Cap

-10.14%

6.41%

6.84%

9.48%

8.46%

2.29%

3.12%

02/28/2023

VANG SM VAL IDX INST

Inception Date 05/21/1998

Stock Investments

Small Cap

-0.59%

14.74%

7.78%

10.10%

8.65%

0.51%

-3.84%

02/28/2023

DFA INTL VALUE I

Inception Date 02/15/1994

Stock Investments

International

1.66%

11.46%

2.74%

5.15%

6.02%

5.63%

1.52%

02/28/2023

MFS INTL INTR VAL R6

Inception Date 10/24/1995

Stock Investments

International

-8.20%

5.39%

4.73%

8.10%

7.73%

2.14%

5.34%

02/28/2023

VANG TOT INTL STK IS

Inception Date 04/29/1996

Stock Investments

International

-7.40%

5.40%

1.87%

4.27%

4.52%

1.67%

3.16%

02/28/2023

VAN REAL EST IDX IS

Inception Date 05/13/1996

Stock Investments

Specialty

-13.27%

3.00%

7.09%

6.34%

9.26%

-1.36%

-3.51%

02/28/2023

VANG TARGET RET 2020

Inception Date 06/07/2006

Blended Investments*

N/A

-8.02%

3.10%

3.68%

5.71%

5.60%

-0.45%

3.39%

02/28/2023

VANG TARGET RET 2025

Inception Date 10/27/2003

Blended Investments*

N/A

-8.32%

3.94%

4.11%

6.31%

6.22%

-0.45%

3.42%

02/28/2023

VANG TARGET RET 2030

Inception Date 06/07/2006

Blended Investments*

N/A

-8.42%

4.84%

4.49%

6.86%

6.15%

-0.44%

3.47%

02/28/2023

VANG TARGET RET 2035

Inception Date 10/27/2003

Blended Investments*

N/A

-8.29%

5.81%

4.92%

7.42%

6.95%

-0.46%

3.46%

02/28/2023

VANG TARGET RET 2040

Inception Date 06/07/2006

Blended Investments*

N/A

-8.15%

6.81%

5.33%

7.91%

6.74%

-0.37%

3.41%

02/28/2023

VANG TARGET RET 2045

Inception Date 10/27/2003

Blended Investments*

N/A

-8.02%

7.82%

5.77%

8.22%

7.54%

-0.38%

3.42%

02/28/2023

VANG TARGET RET 2050

Inception Date 06/07/2006

Blended Investments*

N/A

-7.93%

7.93%

5.84%

8.25%

6.97%

-0.36%

3.36%

02/28/2023

VANG TARGET RET 2055

Inception Date 08/18/2010

Blended Investments*

N/A

-7.90%

7.92%

5.83%

8.24%

9.18%

-0.33%

3.37%

02/28/2023

VANG TARGET RET 2060

Inception Date 01/19/2012

Blended Investments*

N/A

-7.88%

7.92%

5.83%

8.24%

8.83%

-0.33%

3.40%

02/28/2023

VANG TARGET RET 2065

Inception Date 07/12/2017

Blended Investments*

N/A

-7.88%

7.90%

5.81%

--

6.95%

-0.35%

3.38%

02/28/2023

VANG TARGET RET 2070

Inception Date 06/28/2022

Blended Investments*

N/A

--

--

--

--

4.96%

-0.33%

3.35%

02/28/2023

VANG TARGET RET INC

Inception Date 10/27/2003

Blended Investments*

N/A

-7.74%

1.16%

2.76%

3.64%

4.62%

-0.46%

3.35%

02/28/2023

NYL GUAR INT ACCOUNT

 

Bond Investments

Stable Value

--

--

--

--

--

--

--

--

FID ST TR BD IDX

Inception Date 12/20/2005

Bond Investments

Income

-4.26%

-1.62%

0.70%

0.58%

1.96%

-0.19%

2.45%

02/28/2023

FID US BOND IDX

Inception Date 03/08/1990

Bond Investments

Income

-9.68%

-3.77%

0.51%

1.08%

5.08%

-0.10%

3.50%

02/28/2023

LOOMIS CORE PL BD N

Inception Date 11/07/1973

Bond Investments

Income

-8.83%

-2.42%

1.16%

1.87%

6.39%

0.48%

4.16%

02/28/2023

VANG INFL PROT INST

Inception Date 06/29/2000

Bond Investments

Income

-10.34%

0.31%

2.51%

1.16%

4.62%

-0.68%

3.29%

02/28/2023

VG TL INTL BD IDX AD

Inception Date 05/31/2013

Bond Investments

Income

-9.34%

-4.27%

0.03%

--

1.69%

-1.72%

3.95%

02/28/2023

VANG VMMR-FED MMKT

Inception Date 07/13/1981

7 day yield % as of 02/28/2023: 4.52 **

Short-Term Investments

N/A

2.27%

0.82%

1.28%

0.78%

3.88%

1.05%

1.04%

02/28/2023

Explore Plan Basics

Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.

Enrollment - shows details. Click to open.

You are immediately eligible to participate in the plan if you are full time or part-time faculty, or if you are full time or part-time staff scheduled to work a minimum of 1,820 hours per calendar year. You must be at least 21 years old to participate in the plan. Certain positions may be excluded, such as student workers, Vincentian Residence Employees or employees covered under a collective bargaining agreement. See your Benefits Office if you have questions regarding your eligibility to participate in this plan.

If you have not enrolled in the Plan within 60 days from your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 5% of your pretax eligible earnings. If you have not chosen investment elections, your contributions will be invested in a Vanguard Target Retirement Date Fund Investor Shares, based on your date of birth, through Fidelity Investments.

We encourage you to take an active role in the Plan and to choose a contribution rate and investment options that are appropriate for you. If you do not wish to contribute to the Plan, you must waive your participation in the Plan by changing your contribution rate to 0% within the first 60 days of employment. You may enroll or opt out of the Plan at any time by logging on to NetBenefits through this Web site or by calling a Fidelity Retirement Representative at 1-800-343-0860.

Contributions - shows details. Click to open.

Decide how much of your salary you'd like to save in the DePaul University 403(b) Retirement Plan. For help, use our calculator that matches your retirement plan type [403(b)] to determine the maximum amount of your salary you can contribute. Try now.

You may contribute up to 100% of your eligible pay on a pretax basis, up to the annual IRS dollar limits. 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.

You are eligible to receive employer matching contributions each pay period beginning the first day of the month after completion of one year of service with 1000 hours worked. You must be age 21 and defer at least 5% of your eligible compensation to receive the employer match, which is 10% of your eligible compensation.

"Catch-Up" Contributions - shows details. Click to open.

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

Vesting - shows details. Click to open.

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.

Beneficiaries - shows details. Click to open.

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.

Withdrawals - shows details. Click to open.

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.

Loans - shows details. Click to open.

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 this website.

Other Retirement Accounts - shows details. Click to open.

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 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.

Account access - shows details. Click to open.

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.

Confidential Consultations - shows details. Click to open.

Now is a great time to schedule an appointment to discuss your goals for retirement.

For confidential consultations with Fidelity, call 800-343-0860 or go online.

For confidential consultations with TIAA, call 800-732-8353 or go online.

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TIAA 1-800-842-2252

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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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