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Emory Clinic Inc.
A 403(b) plan allows eligible employees to save on a tax-deferred basis through salary deductions.
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.
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 |
|||
|
VANG TARGET RET 2020
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
-0.57% |
3.73% |
4.13% |
5.59% |
5.67% |
2.43% |
5.48% |
05/31/2023 |
|
VANG TARGET RET 2025
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
-0.37% |
4.64% |
4.58% |
6.16% |
6.27% |
2.51% |
6.47% |
05/31/2023 |
|
VANG TARGET RET 2030
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
-0.16% |
5.62% |
5.00% |
6.66% |
6.21% |
2.63% |
7.17% |
05/31/2023 |
|
VANG TARGET RET 2035
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
0.04% |
6.68% |
5.45% |
7.18% |
7.00% |
2.70% |
7.75% |
05/31/2023 |
|
VANG TARGET RET 2040
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
0.24% |
7.71% |
5.88% |
7.64% |
6.80% |
2.73% |
8.35% |
05/31/2023 |
|
VANG TARGET RET 2045
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
0.43% |
8.78% |
6.34% |
7.96% |
7.59% |
2.79% |
8.94% |
05/31/2023 |
|
VANG TARGET RET 2050
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
0.59% |
8.90% |
6.42% |
7.99% |
7.04% |
2.83% |
9.26% |
05/31/2023 |
|
VANG TARGET RET 2055
Inception Date 08/18/2010 |
Blended Investments* |
N/A |
0.58% |
8.90% |
6.41% |
7.97% |
9.23% |
2.81% |
9.27% |
05/31/2023 |
|
VANG TARGET RET 2060
Inception Date 01/19/2012 |
Blended Investments* |
N/A |
0.59% |
8.91% |
6.41% |
7.98% |
8.89% |
2.80% |
9.30% |
05/31/2023 |
|
VANG TARGET RET 2065
Inception Date 07/12/2017 |
Blended Investments* |
N/A |
0.66% |
8.93% |
6.39% |
-- |
7.15% |
2.84% |
9.28% |
05/31/2023 |
|
VANG TARGET RET 2070
Inception Date 06/28/2022 |
Blended Investments* |
N/A |
-- |
-- |
-- |
-- |
7.88% |
2.79% |
9.29% |
05/31/2023 |
|
VANG TARGET RET INC
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
-0.75% |
1.68% |
3.13% |
3.80% |
4.68% |
2.31% |
4.47% |
05/31/2023 |
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 |
|||
|
VANG FTSE SOC IDX IS
Inception Date 01/14/2003 |
Stock Investments |
Large Cap |
4.13% |
11.98% |
11.14% |
12.48% |
6.09% |
7.51% |
15.12% |
05/31/2023 |
|
VANG INST INDEX PLUS
Inception Date 07/31/1990 |
Stock Investments |
Large Cap |
2.90% |
12.90% |
11.00% |
11.98% |
10.04% |
5.74% |
11.97% |
05/31/2023 |
|
VANG MIDCAP IDX INST
Inception Date 05/21/1998 |
Stock Investments |
Mid-Cap |
-4.98% |
9.69% |
7.05% |
9.42% |
9.41% |
-4.45% |
4.52% |
05/31/2023 |
|
VANG SM CAP IDX INST
Inception Date 10/03/1960 |
Stock Investments |
Small Cap |
-4.24% |
10.37% |
4.98% |
8.45% |
10.34% |
-6.62% |
7.20% |
05/31/2023 |
|
VANG TOT INTL STK IP
Inception Date 04/29/1996 |
Stock Investments |
International |
-1.33% |
7.51% |
2.41% |
4.24% |
4.52% |
0.88% |
7.68% |
05/31/2023 |
|
VAN REAL EST IDX IS
Inception Date 05/13/1996 |
Stock Investments |
Specialty |
-15.83% |
4.83% |
4.12% |
5.37% |
8.93% |
-5.71% |
2.46% |
05/31/2023 |
|
VANG TOT BD MK IS PL
Inception Date 12/11/1986 |
Bond Investments |
Income |
-2.00% |
-3.66% |
0.87% |
1.37% |
5.15% |
2.03% |
1.93% |
05/31/2023 |
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 principalvalue of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher orlower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses.
You may lose money by investing in a money market fund. Not all money market funds operate the same way and depending on thefund, you may be subject to certain operating policies and risks not applicable to other money market funds. Please click on the nameof 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 K6
Inception Date 05/25/2017 |
Stock Investments |
Large Cap |
7.98% |
9.83% |
10.33% |
-- |
12.38% |
11.13% |
18.70% |
05/31/2023 |
|
HARBOR CAP APP RET
Inception Date 12/29/1987 |
Stock Investments |
Large Cap |
14.19% |
8.90% |
11.24% |
14.43% |
11.87% |
17.44% |
28.83% |
05/31/2023 |
|
JH DISCPL VALUE R6
Inception Date 01/02/1997 |
Stock Investments |
Large Cap |
-5.45% |
14.44% |
6.83% |
8.58% |
8.49% |
-4.15% |
1.10% |
05/31/2023 |
|
VANG PRIMECAP ADM
Inception Date 11/01/1984 |
Stock Investments |
Large Cap |
3.38% |
13.77% |
9.61% |
13.07% |
13.33% |
6.90% |
12.33% |
05/31/2023 |
|
BLKRK MD CP GR EQ K
Inception Date 12/27/1996 |
Stock Investments |
Mid-Cap |
-0.03% |
1.56% |
7.55% |
12.35% |
9.53% |
0.64% |
12.03% |
05/31/2023 |
|
MFS MID CAP VALUE R3
Inception Date 08/31/2001 |
Stock Investments |
Mid-Cap |
-6.78% |
13.56% |
6.91% |
8.54% |
8.39% |
-6.51% |
2.87% |
05/31/2023 |
|
LOOMIS SM CP GRTH IS
Inception Date 12/31/1996 |
Stock Investments |
Small Cap |
2.99% |
6.30% |
5.05% |
9.35% |
7.19% |
-5.91% |
7.18% |
05/31/2023 |
|
VANG SMCPVL IDX ADM
Inception Date 05/21/1998 |
Stock Investments |
Small Cap |
-7.44% |
15.34% |
4.40% |
8.16% |
8.03% |
-9.76% |
3.73% |
05/31/2023 |
|
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
International |
1.10% |
5.88% |
2.91% |
5.51% |
9.92% |
2.41% |
9.97% |
05/31/2023 |
STD GUAR FIX INT 4
Inception Date 06/01/2018 |
Bond Investments |
N/A |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|
PGIM TOTAL RTN BD A
Inception Date 01/10/1995 |
Bond Investments |
Income |
-5.55% |
-4.23% |
0.04% |
1.40% |
4.82% |
-1.72% |
2.32% |
05/31/2023 |
|
VANG TREASURY MM
Inception Date 12/14/1992 7 day yield % as of 05/31/2023: 5.05 ** |
Short-Term Investments |
N/A |
3.34% |
1.15% |
1.44% |
0.89% |
2.31% |
1.19% |
2.00% |
05/31/2023 |
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 eligible to enroll in the plan immediately. Your enrollment becomes effective once you indicate how much you'd like to contribute, also known as the deferral. You will generally begin to see your contributions deducted from your paycheck in the next pay period, or as soon as administratively possible.
When you enroll in the Plan in NetBenefits, you can choose where you want your contributions directed and your retirement provider(s). Review your Investment Options and then select Enroll Now to complete the account opening steps. You have online access virtually 24/7 to make changes to your retirement savings account.
When you enroll, you will be asked to identify your beneficiary or beneficiaries who will inherit your account in the event of your death. You can update this information anytime by logging into NetBenefits.
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.
With Roth contributions, you can make after-tax payroll contributions to your plan and withdraw those contributions tax-free (subject to the terms of the plan). Your earnings may also be withdrawn tax-free if you have a qualified distribution. A qualified distribution, in this case, is one that is taken five tax years after the year of your first Roth contribution and after you have reached age 59½, become disabled, or died.
Through automatic payroll contributions, you can contribute as little as $15 and as much as 75% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits.
Unlike a Roth IRA, there are no income limits to be eligible for a Roth 403(b) option within an employer-sponsored retirement plan. Generally, a Roth contribution may be beneficial if you expect your tax rate in retirement will be higher than it had been during the years you contributed.
For information about a Roth conversion, please call a financial professional at 1-800-343-0860.
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 59½, 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.
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.
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. 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.
4The target date funds are designed for investors expecting to retire around the year indicated in each fund's name. The funds are managed to gradually become more conservative over time as they approach the target date. The investment risk of each target date fund changes over time as the fund's asset allocation changes. The funds are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after the funds' target dates.
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