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Georgetown University Defined Contribution Retirement Plan
A 403(b) plan allows eligible employees to save on a tax-deferred basis through salary deduction.
Please note that the Select Funds are not available in the Defined Contribution Retirement Plan.
Instructions for enrolling in GMS can be found here. Please note, you must be on the Georgetown University network to access this link.
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 |
27.12% |
9.37% |
15.90% |
12.97% |
11.00% |
7.39% |
19.51% |
08/31/2024 |
FID CONTRAFUND K
Inception Date 05/17/1967 |
Stock Investments |
Large Cap |
38.78% |
9.46% |
18.22% |
14.97% |
13.00% |
6.96% |
28.65% |
08/31/2024 |
FID TOTAL MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Large Cap |
26.20% |
7.72% |
15.09% |
12.30% |
8.88% |
7.25% |
18.18% |
08/31/2024 |
FID EXTD MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Mid-Cap |
20.46% |
-0.65% |
10.64% |
8.91% |
8.46% |
6.34% |
9.99% |
08/31/2024 |
FID LOW PRICED STK K
Inception Date 12/27/1989 |
Stock Investments |
Mid-Cap |
20.85% |
7.56% |
13.91% |
9.34% |
13.10% |
2.76% |
11.78% |
08/31/2024 |
FID MID CAP STOCK K
Inception Date 03/29/1994 |
Stock Investments |
Mid-Cap |
17.47% |
6.99% |
12.62% |
10.06% |
11.45% |
5.20% |
11.87% |
08/31/2024 |
FID SM CAP DISCOVERY
Inception Date 09/26/2000 |
Stock Investments |
Small Cap |
14.69% |
4.39% |
11.79% |
8.17% |
10.37% |
3.86% |
7.14% |
08/31/2024 |
FID SM CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Small Cap |
18.55% |
0.72% |
9.78% |
8.18% |
10.99% |
7.53% |
10.45% |
08/31/2024 |
FID SMALL CAP GROWTH
Inception Date 11/03/2004 |
Stock Investments |
Small Cap |
26.68% |
0.31% |
11.21% |
12.56% |
11.62% |
6.07% |
18.54% |
08/31/2024 |
FID SMALL CAP VALUE
Inception Date 11/03/2004 |
Stock Investments |
Small Cap |
20.06% |
5.96% |
14.04% |
9.58% |
10.62% |
8.68% |
10.82% |
08/31/2024 |
FID EMRG MKTS IDX
Inception Date 09/08/2011 |
Stock Investments |
International |
14.00% |
-3.36% |
4.43% |
2.40% |
2.77% |
4.89% |
8.86% |
08/31/2024 |
FID INTL DISCOVERY K
Inception Date 12/31/1986 |
Stock Investments |
International |
25.27% |
0.02% |
8.98% |
6.18% |
7.61% |
5.39% |
18.55% |
08/31/2024 |
FID INTL INDEX
Inception Date 11/05/1997 |
Stock Investments |
International |
19.86% |
4.33% |
8.83% |
5.37% |
5.40% |
4.19% |
12.26% |
08/31/2024 |
FID REAL ESTATE INVS
Inception Date 11/17/1986 |
Stock Investments |
Specialty |
20.58% |
0.34% |
4.34% |
6.48% |
9.47% |
16.72% |
10.90% |
08/31/2024 |
FID FDM IDX 2010 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
10.95% |
0.67% |
4.09% |
4.36% |
5.59% |
4.54% |
6.37% |
08/31/2024 |
FID FDM IDX 2015 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
12.36% |
0.91% |
4.96% |
5.01% |
6.15% |
4.86% |
7.37% |
08/31/2024 |
FID FDM IDX 2020 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
13.84% |
1.17% |
5.78% |
5.58% |
6.80% |
5.28% |
8.46% |
08/31/2024 |
FID FDM IDX 2025 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
15.06% |
1.59% |
6.54% |
6.09% |
7.51% |
5.52% |
9.33% |
08/31/2024 |
FID FDM IDX 2030 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
16.20% |
2.14% |
7.49% |
6.87% |
8.21% |
5.69% |
10.14% |
08/31/2024 |
FID FDM IDX 2035 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
18.03% |
2.98% |
9.08% |
7.85% |
9.10% |
5.84% |
11.49% |
08/31/2024 |
FID FDM IDX 2040 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
20.32% |
4.01% |
10.41% |
8.49% |
9.57% |
6.08% |
13.28% |
08/31/2024 |
FID FDM IDX 2045 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
21.15% |
4.37% |
10.63% |
8.60% |
9.69% |
6.16% |
13.96% |
08/31/2024 |
FID FDM IDX 2050 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
21.12% |
4.36% |
10.63% |
8.60% |
9.72% |
6.15% |
13.94% |
08/31/2024 |
FID FDM IDX 2055 IPR
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
21.09% |
4.37% |
10.62% |
8.59% |
8.89% |
6.15% |
13.94% |
08/31/2024 |
FID FDM IDX 2060 IPR
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
21.11% |
4.36% |
10.63% |
8.59% |
8.88% |
6.11% |
13.91% |
08/31/2024 |
FID FDM IDX 2065 IPR
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
21.10% |
4.36% |
10.64% |
-- |
10.04% |
6.13% |
13.96% |
08/31/2024 |
FID FDM IDX INC IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
9.73% |
0.56% |
2.92% |
3.24% |
3.68% |
4.25% |
5.55% |
08/31/2024 |
FID CAPITAL & INCOME
Inception Date 11/01/1977 |
Bond Investments |
Income |
12.82% |
3.27% |
6.95% |
6.08% |
9.38% |
2.64% |
7.49% |
08/31/2024 |
FID INFL PR BD IDX
Inception Date 05/16/2012 |
Bond Investments |
Income |
6.12% |
-1.34% |
2.00% |
2.07% |
1.72% |
3.39% |
3.57% |
08/31/2024 |
FID TOTAL BOND
Inception Date 10/15/2002 |
Bond Investments |
Income |
8.52% |
-1.19% |
1.23% |
2.47% |
4.12% |
4.89% |
4.01% |
08/31/2024 |
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
7.21% |
-2.13% |
-0.07% |
1.61% |
5.09% |
4.83% |
3.13% |
08/31/2024 |
FID GOVT MMKT
Inception Date 02/05/1990 7 day yield % as of 07/31/2024: 4.98 ** |
Short-Term Investments |
N/A |
5.10% |
3.14% |
2.03% |
1.35% |
2.66% |
1.26% |
3.37% |
08/31/2024 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
Benefits-eligible employees working at least 20 hours per week (50% time) who are not enrolled in the Georgetown University Retirement Plan (GURP) are also eligible to participate in the Defined Contribution Retirement Plan (DCRP). When you are ready to get started, click the "Enroll Now" button above or call 800-343-0860.
To make your enrollment effective, you must have made your contribution election by logging on to the Georgetown Management System (GMS) at http://gms.georgetown.edu.
The University automatically contributes 5% of your gross pay, regardless of whether you personally contribute; the University will contribute an additional 5% when you contribute 3% of your salary. In other words, when you contribute 3%, the University will contribute an additional 10% for a total of 13% being contributed to the Plan.
If you contribute less than 3% to the Plan (0%, 1% or 2%) the University will contribute less (5%, 6.67% or 8.34%, respectively).
You are immediately 100% vested in your account balance in the Georgetown University Defined Contribution 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'.
In the DCRP, you are only allowed to withdraw money from your plan when you leave Georgetown, retire, or become permanently disabled. 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.
Note: The taxable portion of your withdrawal that is eligible for rollover into an individual retirement account (IRA) or another employer's retirement plan is subject to 20% mandatory federal income tax withholding, unless it is directly rolled over to an IRA or another employer plan. (You may owe more or less when you file your income taxes.) If you are under age 59˝, the taxable portion of your withdrawal is also 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. 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.
You are not permitted to roll over monies into the Georgetown University Defined Contribution Retirement Plan.
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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