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Northwestern Ohio Plumbers and Pipefitters Retirement Plan
A 401(a) plan, also known as a money-purchase retirement savings plan, is a plan set up by an employer that allows for tax-deferred contributions by the employee, the employer, or both.
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.
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 FREEDOM 2005 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
16.99% |
6.48% |
6.76% |
5.30% |
5.22% |
0.00% |
1.07% |
03/31/2021 |
|
FID FREEDOM 2010 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
22.11% |
7.49% |
7.91% |
6.24% |
6.65% |
0.74% |
2.09% |
03/31/2021 |
|
FID FREEDOM 2015 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
27.45% |
8.44% |
9.02% |
6.86% |
6.40% |
1.48% |
3.12% |
03/31/2021 |
|
FID FREEDOM 2020 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
32.66% |
9.36% |
9.94% |
7.40% |
7.16% |
2.22% |
4.08% |
03/31/2021 |
|
FID FREEDOM 2025 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
36.74% |
10.01% |
10.67% |
8.01% |
7.17% |
2.72% |
4.80% |
03/31/2021 |
|
FID FREEDOM 2030 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
42.20% |
10.81% |
11.96% |
8.70% |
7.50% |
3.32% |
5.66% |
03/31/2021 |
|
FID FREEDOM 2035 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
51.80% |
12.01% |
13.29% |
9.43% |
7.94% |
4.71% |
7.55% |
03/31/2021 |
|
FID FREEDOM 2040 K
Inception Date 09/06/2000 |
Blended Investments* |
N/A |
57.77% |
12.78% |
13.81% |
9.71% |
5.42% |
5.70% |
8.85% |
03/31/2021 |
|
FID FREEDOM 2045 K
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
57.85% |
12.79% |
13.81% |
9.73% |
7.51% |
5.81% |
8.86% |
03/31/2021 |
|
FID FREEDOM 2050 K
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
57.78% |
12.80% |
13.82% |
9.70% |
7.38% |
5.76% |
8.79% |
03/31/2021 |
|
FID FREEDOM 2055 K
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
57.70% |
12.77% |
13.81% |
-- |
9.99% |
5.72% |
8.80% |
03/31/2021 |
|
FID FREEDOM 2060 K
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
57.77% |
12.79% |
13.79% |
-- |
10.57% |
5.76% |
8.81% |
03/31/2021 |
|
FID FREEDOM 2065 K
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
57.72% |
-- |
-- |
-- |
19.39% |
5.73% |
8.79% |
03/31/2021 |
|
FID FREEDOM INC K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
14.02% |
5.91% |
5.76% |
4.47% |
4.95% |
-0.34% |
0.62% |
03/31/2021 |
When and Why:
Investors 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 |
|||
|
AF GROWTH OF AMER R5
Inception Date 11/30/1973 |
Stock Investments |
Large Cap |
66.82% |
19.83% |
20.11% |
15.29% |
14.18% |
2.55% |
7.20% |
03/31/2021 |
|
TRP EQUITY INCOME
Inception Date 10/31/1985 |
Stock Investments |
Large Cap |
60.36% |
10.50% |
12.21% |
10.11% |
10.78% |
13.38% |
16.01% |
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 ADM
Inception Date 12/21/1987 |
Stock Investments |
Mid-Cap |
97.93% |
18.20% |
18.00% |
13.14% |
11.58% |
7.79% |
11.26% |
03/31/2021 |
|
VANG STR SMCP EQ INV
Inception Date 04/24/2006 |
Stock Investments |
Small Cap |
96.29% |
11.42% |
12.78% |
11.49% |
8.31% |
18.51% |
21.25% |
03/31/2021 |
|
DFA INTL SMALL CO I
Inception Date 09/30/1996 |
Stock Investments |
International |
65.83% |
5.15% |
9.72% |
6.91% |
7.29% |
5.92% |
9.72% |
03/31/2021 |
|
DFA LARGE CAP INTL I
Inception Date 07/17/1991 |
Stock Investments |
International |
49.66% |
6.17% |
9.30% |
5.41% |
5.93% |
4.60% |
7.61% |
03/31/2021 |
|
VANG TOT INTL STK AD
Inception Date 04/29/1996 |
Stock Investments |
International |
52.80% |
6.51% |
9.97% |
5.22% |
5.25% |
3.94% |
6.38% |
03/31/2021 |
|
BR HIGH EQ INC IS
Inception Date 05/01/1998 |
Stock Investments |
Specialty |
50.10% |
9.16% |
10.61% |
8.96% |
12.97% |
11.49% |
13.91% |
03/31/2021 |
|
MIP CL 1
Inception Date 09/07/1989 7 day yield** % as of 03/31/2021 : .99 |
Bond Investments |
Stable Value |
1.31% |
1.63% |
1.50% |
1.32% |
3.90% |
0.25% |
0.29% |
03/31/2021 |
|
BAIRD AGGR BOND INST
Inception Date 09/29/2000 |
Bond Investments |
Income |
3.40% |
5.17% |
3.70% |
4.20% |
5.26% |
-3.39% |
-2.71% |
03/31/2021 |
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 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 automatically enrolled in the Plan. To participate, simply log on to Fidelity NetBenefits® at www.netbenefits.com/nwopp or call the Fidelity Retirement Service Center at 1-866-84-UNION (1-866-848-6466) to select your investment allocations.
As a member of the Northwestern Ohio Plumbers and Pipefitters Retirement Plan, you will receive Employer contributions to your retirement account based on the terms of the Collective Bargaining Agreement. Contributions to your account have the potential to grow tax-deferred-allowing your investment the potential to grow more than if you were invested in a taxable account.
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.
If you have not already selected your beneficiaries, or if you have experienced a lifechanging event such as a marriage, divorce, birth of a child, or a death in the family, it's time to consider your beneficiary designations. Your beneficiary designations are maintained at the Northwestern Ohio Plumbers and Pipefitters benefits office. To obtain a new data card or change your beneficiaries just contact the office directly at 419-662-1388.
Withdrawals from the plan are generally permitted only when you retire. Please review the Plan document or summary plan description for the rules governing eligibility to request a withdrawal.
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 1-800-84-UNION (1-866-848-6466) to speak with a representative or use the automated voice response system.
Fidelity Retirement Planners provide complimentary one-on-one guidance for participants in your plan. You can also contact Fidelity for a statement of your account by calling 1-800-84-UNION (1-866-848-6466) 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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