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Montgomery County Public Schools
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

Montgomery County Public Schools 403(b) Plan

A 403(b) plan allows eligible employees to save on a tax-deferred basis through salary deduction.

  • Enrolling is fast and easy: Simply select the Enroll Now button on the right.
  • To learn more before you enroll, see Investment Options & Plan Basics below.
Enroll Now
  • Plan Basics

  • Investment Options

Choose from the tiers of investments below. Tiers are distinct categories designed to simplify your investment choices. At any time, you may use investments from any and all tiers.

SIMPLIFIED INVESTING

Explore Your Investment Options - shows details. Click to open.

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, which 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 INST TR 2015

Inception Date 06/26/2015

Blended Investments*

N/A

19.67%

7.50%

7.52%

--

6.36%

0.37%

1.75%

03/31/2021

VANG INST TR 2020

Inception Date 06/26/2015

Blended Investments*

N/A

27.20%

8.79%

8.97%

--

7.45%

1.30%

3.12%

03/31/2021

VANG INST TR 2025

Inception Date 06/26/2015

Blended Investments*

N/A

32.66%

9.70%

10.01%

--

8.19%

1.89%

4.01%

03/31/2021

VANG INST TR 2030

Inception Date 06/26/2015

Blended Investments*

N/A

37.25%

10.31%

10.82%

--

8.71%

2.52%

4.87%

03/31/2021

VANG INST TR 2035

Inception Date 06/26/2015

Blended Investments*

N/A

41.85%

10.90%

11.61%

--

9.22%

3.17%

5.78%

03/31/2021

VANG INST TR 2040

Inception Date 06/26/2015

Blended Investments*

N/A

46.63%

11.46%

12.40%

--

9.70%

3.85%

6.68%

03/31/2021

VANG INST TR 2045

Inception Date 06/26/2015

Blended Investments*

N/A

51.53%

12.04%

12.92%

--

10.14%

4.48%

7.53%

03/31/2021

VANG INST TR 2050

Inception Date 06/26/2015

Blended Investments*

N/A

51.82%

12.11%

12.96%

--

10.17%

4.57%

7.64%

03/31/2021

VANG INST TR 2055

Inception Date 06/26/2015

Blended Investments*

N/A

51.84%

12.13%

12.97%

--

10.18%

4.56%

7.65%

03/31/2021

VANG INST TR 2060

Inception Date 06/26/2015

Blended Investments*

N/A

51.89%

12.15%

12.98%

--

10.18%

4.55%

7.66%

03/31/2021

VANG INST TR 2065

Inception Date 07/12/2017

Blended Investments*

N/A

51.88%

12.07%

--

--

12.19%

4.57%

7.65%

03/31/2021

VANG INST TR INCOME

Inception Date 06/26/2015

Blended Investments*

N/A

17.18%

7.15%

6.46%

--

5.76%

0.11%

1.38%

03/31/2021

PASSIVE INVESTING

Explore Your Investment Options - shows details. Click to open.

When and Why:

Below is a fund line-up for Passive Investing

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 TOT STK MKT IS

Inception Date 04/27/1992

Stock Investments

Large Cap

62.73%

17.14%

16.66%

13.80%

10.50%

6.43%

10.44%

03/31/2021

VANGUARD INST INDEX

Inception Date 07/31/1990

Stock Investments

Large Cap

56.34%

16.76%

16.27%

13.89%

10.47%

6.18%

10.29%

03/31/2021

VANG EXT MKT IDX INS

Inception Date 12/21/1987

Stock Investments

Mid-Cap

97.93%

18.21%

18.02%

13.16%

11.63%

7.79%

11.27%

03/31/2021

VANG TOT INTL STK IS

Inception Date 04/29/1996

Stock Investments

International

52.83%

6.54%

10.00%

5.25%

5.26%

3.95%

6.42%

03/31/2021

VANG TOT BD MKT INST

Inception Date 12/11/1986

Bond Investments

Income

0.55%

4.64%

3.08%

3.40%

5.82%

-3.61%

-2.93%

03/31/2021

VANG VMMR-FED MMKT

Inception Date 07/13/1981

7 day yield** % as of 03/31/2021 : .01

Short-Term Investments

N/A

0.11%

1.34%

1.08%

0.55%

4.01%

0.00%

0.00%

03/31/2021

ACTIVE INVESTING

Explore Your Investment Options - shows details. Click to open.

When and Why:

These investment options may be right for the active investor, whether novice or expert, who wants to take the driver's seat when planning for retirement. 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.

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

PARNASSUS CORE EQ IS

Inception Date 08/31/1992

Stock Investments

Large Cap

56.53%

19.57%

16.52%

14.40%

11.61%

7.18%

11.04%

03/31/2021

PGIM J SMALL CO R6

Inception Date 01/22/1990

Stock Investments

Small Cap

121.66%

16.79%

16.79%

12.03%

11.02%

11.98%

16.00%

03/31/2021

ARTISAN INTL INST

Inception Date 12/28/1995

Stock Investments

International

37.32%

7.64%

9.06%

7.26%

9.14%

0.35%

3.91%

03/31/2021

BAIRD INTERM BD IS

Inception Date 09/29/2000

Bond Investments

Income

4.30%

4.68%

3.19%

3.42%

4.73%

-1.83%

-1.40%

03/31/2021

LOOMIS CORE PL BD N

Inception Date 11/07/1973

Bond Investments

Income

5.66%

5.44%

4.85%

4.70%

6.90%

-3.07%

-2.36%

03/31/2021

Self-Directed Brokerage

Explore Your Investment Options - shows details. Click to open.

Are you interested in investing in options beyond what your plan offers?

A self-directed brokerage account allows you to make investments outside of 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 Fidelity BrokerageLink® Central to 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 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.

Explore Plan Basics

Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.

Enrollment - shows details. Click to open.

A 403(b) is a tax-sheltered retirement savings plan for employees of educational institutions and certain nonprofit organizations. The 403(b) plan provides an opportunity for employees to save for retirement with pre-tax dollars and defer taxation on income and earnings until withdrawal, and provides an important savings supplement to your pension. To enroll, click here or call Fidelity at 800-343-0860.

Loans - shows details. Click to open.

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. Any outstanding loan balances from the previous 12 months may reduce the amount you have available to borrow. You then pay the money back into your account, plus interest, through ACH deductions from your bank account.

You may have two loans outstanding at a time. The cost to initiate a loan is $75. The initiation fee is deducted directly from your plan account.

Note: If you fail to repay your loan (based on the original terms of the loan), it will be considered in "default" and treated as a distribution, making it subject to income tax and possibly to a 10% early withdrawal tax penalty. If you default on a loan, you will not be able to request additional loans.

Please call Fidelity at 800-343-0860 to request a loan. Loans cannot be requested online.

Withdrawals - shows details. Click to open.

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 or unforeseen emergency 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.

"Catch-Up" Contributions - shows details. Click to open.

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

Moving Money - shows details. Click to open.

If you have retirement savings in a former MCPS vendor's plan, 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. For more information or to speak to a Retirement Planner, call Fidelity at 1-800-343-0860.

Beneficiaries - shows details. Click to open.

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.

Click on the "Update my beneficiary" link below to make changes to your beneficiary.

Account Access - shows details. Click to open.

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.

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Next Steps

Call

Call

Call for a consultation to discuss and plan for your retirement needs.

Fidelity 800-343-0860

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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