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DePaul University 403(B) Retirement Plan
A 403(b) plan allows eligible employees to save on a tax-deferred basis through salary deduction.
Choose from the list of investments below.
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 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
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.
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.
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.
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.
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.
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.
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| TIAA | 1-800-842-2252 |
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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.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
