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Evangelical Presbyterian Church 403(b)
A 403(b) plan allows eligible employees to save on a pre-tax and/or an after-tax basis through salary deduction.
Explore your investment options below based on your desired level of investment involvement. At any time, you may use investments from any and all categories below.
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 2015 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-8.63% |
2.04% |
3.30% |
4.73% |
5.62% |
-0.35% |
3.55% |
02/28/2023 |
|
FID FDM IDX 2020 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-9.34% |
2.75% |
3.67% |
5.21% |
6.18% |
-0.46% |
3.76% |
02/28/2023 |
|
FID FDM IDX 2025 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-9.42% |
3.43% |
4.05% |
5.84% |
6.84% |
-0.46% |
3.83% |
02/28/2023 |
|
FID FDM IDX 2030 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-9.08% |
4.44% |
4.58% |
6.62% |
7.49% |
-0.41% |
3.81% |
02/28/2023 |
|
FID FDM IDX 2035 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-8.85% |
6.20% |
5.37% |
7.52% |
8.26% |
-0.43% |
3.74% |
02/28/2023 |
|
FID FDM IDX 2040 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-8.61% |
7.42% |
5.95% |
7.87% |
8.55% |
-0.41% |
3.64% |
02/28/2023 |
|
FID FDM IDX 2045 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-8.52% |
7.45% |
5.96% |
7.91% |
8.61% |
-0.36% |
3.66% |
02/28/2023 |
|
FID FDM IDX 2050 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-8.52% |
7.45% |
5.96% |
7.92% |
8.64% |
-0.41% |
3.65% |
02/28/2023 |
|
FID FDM IDX 2055 IPR
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
-8.48% |
7.43% |
5.97% |
7.99% |
7.56% |
-0.35% |
3.64% |
02/28/2023 |
|
FID FDM IDX 2060 IPR
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
-8.54% |
7.43% |
5.97% |
-- |
7.05% |
-0.37% |
3.64% |
02/28/2023 |
|
FID FDM IDX 2065 IPR
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
-8.54% |
7.43% |
-- |
-- |
6.22% |
-0.43% |
3.60% |
02/28/2023 |
|
FID FDM IDX INC IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
-7.11% |
-0.03% |
2.13% |
2.62% |
3.16% |
-0.17% |
3.13% |
02/28/2023 |
When and Why:
Do you have time and interest in choosing your own investments and managing your portfolio's diversification on an ongoing basis?
Each investment option is managed to achieve specific objectives, including a certain balance of risk and potential returns. For more information on any investment option listed below, simply click on its name.
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 CONTRAFUND K
Inception Date 05/17/1967 |
Stock Investments |
Large Cap |
-13.41% |
9.14% |
8.30% |
12.50% |
12.29% |
-0.61% |
8.63% |
02/28/2023 |
|
JPM EQUITY INCOME R6
Inception Date 07/02/1987 |
Stock Investments |
Large Cap |
-1.02% |
12.47% |
9.07% |
11.19% |
9.29% |
-4.57% |
-5.76% |
02/28/2023 |
|
TRP BLUE CHIP GRTH
Inception Date 06/30/1993 |
Stock Investments |
Large Cap |
-22.33% |
2.86% |
4.94% |
12.05% |
10.18% |
-0.86% |
12.94% |
02/28/2023 |
|
FID MID CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Mid-Cap |
-4.96% |
11.46% |
8.41% |
10.67% |
11.96% |
-0.02% |
-0.77% |
02/28/2023 |
|
FID SM CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Small Cap |
-5.82% |
10.16% |
6.11% |
9.23% |
10.77% |
1.00% |
-1.11% |
02/28/2023 |
|
FID GLB EX US IDX
Inception Date 09/08/2011 |
Stock Investments |
International |
-7.03% |
4.97% |
1.76% |
3.96% |
4.68% |
1.49% |
3.43% |
02/28/2023 |
|
FID PURITAN K
Inception Date 04/16/1947 |
Blended Investments* |
N/A |
-8.36% |
8.14% |
7.04% |
8.84% |
10.74% |
-0.71% |
3.27% |
02/28/2023 |
|
BAIRD CORE PLUS INST
Inception Date 09/29/2000 |
Bond Investments |
Income |
-8.98% |
-2.94% |
1.10% |
1.80% |
4.71% |
0.69% |
3.25% |
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 |
|
FID GOVT MMKT
Inception Date 02/05/1990 7 day yield % as of 02/28/2023: 4.22 ** |
Short-Term Investments |
N/A |
1.97% |
0.67% |
1.08% |
0.61% |
2.55% |
0.96% |
0.94% |
02/28/2023 |
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 of each retirement savings plan offered by your employer.
Congratulations on taking an important step toward saving for retirement with Fidelity Investments®!
Enroll Online directly with Fidelity to set up your Fidelity account through the Evangelical Presbyterian Church (EPC) 403(b) Plan.
Next Steps:
Through payroll deduction, you may contribute up to 100% of your eligible pay on a pretax basis, up to the annual IRS dollar limits. Employees deteremined to be highly compensated may have additional limitations.
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 like the VIP. 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 Fidelity Workplace Financial Consultant 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
You are 100% vested immediately upon enrollment into the EPC 403(b) Retirement Plan.
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 59½, a 10% early withdrawal tax penalty.
For more information, call the Fidelity Retirement Services Center at 1-800-343-0860.
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.
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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