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Statewide Hybrid Plan, Money Purchase Component
The Statewide Hybrid Plan covers firefighters and police officers from departments that complete the re-affiliation process with FPPA and elect coverage under this plan, and chiefs who have opted out of the Statewide Defined Benefit Plan.
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 |
|||
|
VANGUARD TARGET 2020
Inception Date 06/22/2007 |
Blended Investments* |
N/A |
-15.73% |
1.55% |
3.20% |
5.84% |
4.68% |
-7.05% |
-11.88% |
10/31/2022 |
|
VANGUARD TARGET 2025
Inception Date 06/28/2007 |
Blended Investments* |
N/A |
-17.16% |
2.03% |
3.60% |
6.46% |
4.84% |
-7.37% |
-12.81% |
10/31/2022 |
|
VANGUARD TARGET 2030
Inception Date 06/28/2007 |
Blended Investments* |
N/A |
-17.93% |
2.55% |
3.95% |
7.02% |
4.99% |
-7.52% |
-13.27% |
10/31/2022 |
|
VANGUARD TARGET 2035
Inception Date 06/28/2007 |
Blended Investments* |
N/A |
-18.37% |
3.22% |
4.39% |
7.61% |
5.26% |
-7.54% |
-13.48% |
10/31/2022 |
|
VANGUARD TARGET 2040
Inception Date 06/28/2007 |
Blended Investments* |
N/A |
-18.82% |
3.85% |
4.78% |
8.09% |
5.59% |
-7.56% |
-13.72% |
10/31/2022 |
|
VANGUARD TARGET 2045
Inception Date 06/28/2007 |
Blended Investments* |
N/A |
-19.23% |
4.48% |
5.16% |
8.34% |
5.73% |
-7.58% |
-13.93% |
10/31/2022 |
|
VANGUARD TARGET 2050
Inception Date 06/28/2007 |
Blended Investments* |
N/A |
-19.41% |
4.53% |
5.20% |
8.35% |
5.77% |
-7.60% |
-13.96% |
10/31/2022 |
|
VANGUARD TARGET 2055
Inception Date 08/31/2010 |
Blended Investments* |
N/A |
-19.40% |
4.53% |
5.19% |
8.34% |
9.18% |
-7.61% |
-13.94% |
10/31/2022 |
|
VANGUARD TARGET 2060
Inception Date 03/01/2012 |
Blended Investments* |
N/A |
-19.36% |
4.56% |
5.22% |
8.34% |
8.04% |
-7.57% |
-13.90% |
10/31/2022 |
|
VANGUARD TARGET 2065
Inception Date 07/17/2017 |
Blended Investments* |
N/A |
-19.34% |
4.56% |
5.24% |
-- |
6.65% |
-7.59% |
-13.88% |
10/31/2022 |
|
VANGUARD TARGET 2070
Inception Date 04/07/2022 |
Blended Investments* |
N/A |
-- |
-- |
-- |
-- |
-14.25% |
-7.55% |
-- |
10/31/2022 |
|
VANGUARD TARGET INC
Inception Date 06/22/2007 |
Blended Investments* |
N/A |
-14.12% |
0.26% |
2.16% |
3.54% |
4.16% |
-6.74% |
-10.85% |
10/31/2022 |
A managed account is designed for people who prefer to have Fidelity manage their money for them, so they can focus on other aspects of their life.
Your employer gives you the opportunity to have a team of Fidelity professionals propose an investment strategy aligned to your personal goals and situation. Fidelity® Personalized Planning & Advice monitor your investments, and make adjustments as your life and the world around you changes-helping to keep you on track to retirement. This service provides discretionary money management for a fee and you may cancel at any time with no cancellation fee.
Learn more and get a free review of your portfolio by speaking with a Fidelity representative at 866-811-6041.
Fidelity® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC. Both are registered investment advisers, are Fidelity Investments companies and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work.
This service provides advisory services for a fee.
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 |
|||
|
ABF LG CAP VALUE R6
Inception Date 07/17/1987 |
Stock Investments |
Large Cap |
-5.72% |
9.32% |
7.88% |
10.59% |
9.32% |
-0.83% |
-1.31% |
10/31/2022 |
|
FID GROWTH CO K
Inception Date 01/17/1983 |
Stock Investments |
Large Cap |
-29.85% |
15.46% |
14.85% |
17.23% |
13.77% |
0.64% |
-27.35% |
11/30/2022 |
|
FID TOTAL MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Large Cap |
-11.23% |
10.11% |
10.21% |
12.86% |
8.06% |
3.26% |
-14.48% |
11/30/2022 |
|
ARTISAN MID CAP INST
Inception Date 06/27/1997 |
Stock Investments |
Mid-Cap |
-38.32% |
7.16% |
9.28% |
11.39% |
12.65% |
-9.90% |
-32.27% |
10/31/2022 |
|
JH DSCPL VAL MDCP R6
Inception Date 06/02/1997 |
Stock Investments |
Mid-Cap |
-5.64% |
9.32% |
7.27% |
11.97% |
9.81% |
-1.40% |
-2.82% |
10/31/2022 |
|
BNYM SM CAP VAL I
Inception Date 02/01/2000 |
Stock Investments |
Small Cap |
-3.51% |
9.69% |
7.91% |
10.39% |
10.86% |
-0.59% |
-3.59% |
10/31/2022 |
|
HOOD RIVER SMCP GR I
Inception Date 01/02/2003 |
Stock Investments |
Small Cap |
-22.85% |
18.92% |
12.61% |
15.08% |
12.57% |
0.33% |
-22.74% |
10/31/2022 |
|
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
International |
-30.88% |
-0.77% |
0.13% |
5.03% |
9.64% |
-9.40% |
-19.99% |
10/31/2022 |
|
AF NEW PERSPECT R6
Inception Date 03/13/1973 |
Stock Investments |
International |
-28.61% |
6.67% |
7.15% |
10.38% |
11.87% |
-9.17% |
-21.61% |
10/31/2022 |
|
FID INTL SM CAP OPP
Inception Date 08/02/2005 |
Stock Investments |
International |
-23.33% |
2.62% |
3.35% |
8.10% |
6.24% |
7.30% |
-26.30% |
11/30/2022 |
|
FID TOTAL INTL IDX
Inception Date 06/07/2016 |
Stock Investments |
International |
-11.11% |
2.47% |
1.88% |
-- |
5.05% |
5.59% |
-14.37% |
11/30/2022 |
|
INVS DEVELOP MKT R6
Inception Date 11/18/1996 |
Stock Investments |
International |
-37.99% |
-8.29% |
-4.09% |
0.70% |
9.11% |
-13.64% |
-22.00% |
10/31/2022 |
|
TRP STABLE VALUE A
Inception Date 09/12/1988 |
Bond Investments |
Stable Value |
1.64% |
1.86% |
1.97% |
1.96% |
-- |
0.44% |
1.51% |
10/31/2022 |
|
DODGE & COX INCOME I
Inception Date 01/03/1989 |
Bond Investments |
Income |
-14.24% |
-2.20% |
0.44% |
1.72% |
5.86% |
-7.38% |
-10.56% |
10/31/2022 |
|
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
-12.75% |
-2.57% |
0.21% |
1.06% |
5.12% |
-2.02% |
-12.47% |
11/30/2022 |
|
MKS HIGH YIELD BOND
Inception Date 02/28/2017 |
Bond Investments |
Income |
-8.54% |
1.53% |
3.03% |
-- |
3.42% |
-2.89% |
-7.95% |
10/31/2022 |
|
PIM GLB BD OP US$H I
Inception Date 10/02/1995 |
Bond Investments |
Income |
-7.33% |
-0.31% |
0.97% |
2.47% |
5.50% |
-3.44% |
-5.40% |
10/31/2022 |
|
FIMM GOVT CL I
Inception Date 07/25/1985 7 day yield % as of 11/30/2022: 3.56 ** |
Short-Term Investments |
N/A |
1.15% |
0.54% |
1.08% |
0.63% |
3.29% |
0.72% |
1.14% |
11/30/2022 |
Are you interested in investing in options beyond what your plan offers?
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 FPPA.
The Statewide Hybrid Plan covers firefighters and police officers from departments that complete the re-affiliation process with FPPA and elect coverage under this plan. The re-affiliation process was first established by Colorado State Statute and became effective January 1, 2004. This Plan may also cover full-time clerical staff or other personnel employed by an affiliated fire protection district, fire authority or a county improvement district whose services are auxiliary to fire protection. If an employer covers its members under the Statewide Hybrid Plan, participation begins as of the date of hire assuming contributions are properly remitted to FPPA. If a member selects this plan via the re-affiliation process participation begins upon the effective date of the re-affiliation assuming contributions are properly remitted to FPPA.
What is the employee contribution rate? Employees must currently contribute 8% of their base salary as a mandatory employee contribution.* These contributions will be made on a pretax basis and are contributed to the plan through automatic payroll deduction. This percentage is set by the FPPA Board and can be increased.
Employer contributions* Participants currently receive 8% of their base salary as employer contributions. The employer contribution percentage is set by the FPPA Board and can be increased.
Voluntary employee contributions You may also elect to make voluntary employee contributions to the plan. Voluntary contributions are made on an after-tax basis and contributed to the plan through automatic payroll deduction. Contact FPPA for additional information.
* Upon request by the employer, the FPPA Board will permit higher employer or mandatory employee contributions. Sixty-five percent of members in the department must approve the higher contribution rate. Total contributions made on behalf of a participant for a plan year shall not exceed the lesser of the annual addition limit under code section 415(c), or 100% of compensation.
FPPA has teamed up with Fidelity to offer a valuable managed account service that lets you delegate the day?to?day management of your workplace savings plan account to professional investment managers. Fidelity's experienced professionals evaluate the investment options available in your plan and identify a model portfolio of investments appropriate for an investor like you. The service then invests your account to align with this model portfolio and provides ongoing management of your account to address changes in the markets, your plan?s investment lineup, and changes in your personal or financial situation. With a managed account, you can take advantage of Fidelity?s resources and experience to help ensure that:
To see if Fidelity® Personalized Planning & Advice is right for you, log on to your NetBenefits® account at the top of the page where you can easily enroll in the Service and learn more.
Fidelity® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC. Both are registered investment advisers and Fidelity Investments companies and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee.
You are always 100% vested to any contributions you make. You will vest to your employer contributions according to the following schedule:
|
Years of Service |
Vesting Percentage |
|
Less than 1 |
0% |
|
1 year |
20% |
|
2 years |
40% |
|
3 years |
60% |
|
4 years |
80% |
|
5 or more |
100% |
Participants will also become 100% vested upon death, disability, or the attainment of normal retirement age (55).
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'.
If you do not have access to the Internet or prefer to complete your beneficiary information by paper form, please call 1-800-343-0860. Please note, beneficiary designations made with Fidelity are only valid for your FPPA accounts with Fidelity. You must contact FPPA directly to change your beneficiary for any of your other FPPA-related benefits.
Withdrawals from the Statewide Hybrid Plan, Money Purchase Component are allowed under any of the following conditions:
Members are not required to withdraw funds upon separation of service, unless the member is over age 72. Loans and hardship withdrawals are not permitted. If you are under age 55, the taxable portion of your withdrawal may also be subject to a 10% early withdrawal penalty, unless you qualify for an exception to this rule. The plan document and current tax laws and regulations will govern in case of a discrepancy.
Members in the Statewide Hybrid Plan, Money Purchase Component may also convert all or a portion of their account balance to a monthly lifetime benefit. The conversion must be done in one lump sum and is a one-time irrevocable decision. This monthly lifetime benefit is eligible for benefit adjustments and the member may also choose to provide for survivor benefits.
For more information on the purchase of a monthly lifetime benefit call FPPA at 303-770-3772 or 1-800-332-3772. For other inquiries, call the Fidelity Retirement Services Center at 1-800-343-0860.
Note: Be sure you understand the tax consequences and your plan's rules for distributions before you initiate a distribution. You may want to consult your tax advisor about your situation.
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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