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Old Dominion University 403(b) Plan
A 403(b) plan allows eligible employees to save on a tax-deferred basis through salary deduction.
Below is a performance summary of all the investments in your plan available through Fidelity. Click on an investment to view quarter-end returns, risks, fees and expenses.
To view a performance summary of all the investments in your plan available through TIAA, click here.
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 |
|||
VICTORY S SM CO OP Y
Inception Date 08/16/1983 |
Stock Investments |
N/A |
5.22% |
2.55% |
7.73% |
8.52% |
9.63% |
-5.72% |
5.84% |
06/30/2024 |
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
Large Cap |
24.56% |
10.00% |
15.03% |
12.85% |
10.95% |
4.28% |
19.71% |
06/30/2024 |
FID CONTRAFUND
Inception Date 05/17/1967 |
Stock Investments |
Large Cap |
39.83% |
10.92% |
17.38% |
14.93% |
12.96% |
6.48% |
28.74% |
06/30/2024 |
FID US SUSTN IDX
Inception Date 05/09/2017 |
Stock Investments |
Large Cap |
27.14% |
10.45% |
15.70% |
-- |
14.77% |
3.71% |
20.19% |
06/30/2024 |
JPM EQUITY INCOME R4
Inception Date 07/02/1987 |
Stock Investments |
Large Cap |
10.56% |
5.23% |
8.94% |
9.03% |
9.18% |
-1.86% |
9.79% |
06/30/2024 |
CRLN E MID CAP GR I
Inception Date 08/20/1998 |
Stock Investments |
Mid-Cap |
10.30% |
-1.34% |
9.09% |
10.56% |
11.68% |
-5.01% |
7.71% |
06/30/2024 |
FID EXTD MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Mid-Cap |
14.95% |
-2.46% |
8.69% |
8.26% |
8.26% |
-3.42% |
11.09% |
06/30/2024 |
MFS MID CAP VALUE R4
Inception Date 08/31/2001 |
Stock Investments |
Mid-Cap |
12.82% |
6.26% |
10.22% |
8.44% |
9.17% |
-2.57% |
11.50% |
06/30/2024 |
FID SMALL CAP GROWTH
Inception Date 11/03/2004 |
Stock Investments |
Small Cap |
18.41% |
-0.17% |
9.98% |
11.62% |
11.37% |
-2.15% |
20.24% |
06/30/2024 |
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
International |
10.82% |
-2.46% |
6.05% |
5.25% |
10.04% |
-0.23% |
11.55% |
06/30/2024 |
FID TOTAL INTL IDX
Inception Date 06/07/2016 |
Stock Investments |
International |
11.21% |
0.25% |
5.64% |
-- |
6.30% |
1.02% |
9.51% |
06/30/2024 |
PIF REAL EST SEC R5
Inception Date 12/06/2000 |
Stock Investments |
Specialty |
5.81% |
-1.15% |
3.89% |
6.53% |
9.77% |
0.21% |
3.93% |
06/30/2024 |
FID FREEDOM 2010
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
7.36% |
-0.24% |
3.82% |
4.29% |
5.94% |
0.87% |
5.22% |
06/30/2024 |
FID FREEDOM 2015
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
8.59% |
0.08% |
4.68% |
4.96% |
5.57% |
0.94% |
6.45% |
06/30/2024 |
FID FREEDOM 2020
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
9.91% |
0.38% |
5.49% |
5.52% |
6.50% |
1.06% |
7.76% |
06/30/2024 |
FID FREEDOM 2025
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
11.09% |
0.79% |
6.22% |
6.02% |
6.37% |
1.09% |
8.80% |
06/30/2024 |
FID FREEDOM 2030
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
12.32% |
1.40% |
7.17% |
6.80% |
6.95% |
1.21% |
9.80% |
06/30/2024 |
FID FREEDOM 2035
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
14.56% |
2.38% |
8.74% |
7.78% |
7.31% |
1.48% |
11.50% |
06/30/2024 |
FID FREEDOM 2040
Inception Date 09/06/2000 |
Blended Investments* |
N/A |
17.02% |
3.48% |
10.04% |
8.42% |
5.39% |
1.74% |
13.71% |
06/30/2024 |
FID FREEDOM 2045
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
17.94% |
3.86% |
10.26% |
8.54% |
7.15% |
1.82% |
14.56% |
06/30/2024 |
FID FREEDOM 2050
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
17.95% |
3.84% |
10.26% |
8.54% |
7.04% |
1.82% |
14.66% |
06/30/2024 |
FID FREEDOM 2055
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
17.90% |
3.82% |
10.27% |
8.54% |
8.86% |
1.80% |
14.60% |
06/30/2024 |
FID FREEDOM 2060
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
17.93% |
3.85% |
10.27% |
-- |
8.89% |
1.85% |
14.56% |
06/30/2024 |
FID FREEDOM 2065
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
17.90% |
3.82% |
10.23% |
-- |
10.23% |
1.81% |
14.60% |
06/30/2024 |
FID FREEDOM INCOME
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
6.17% |
-0.45% |
2.65% |
3.14% |
4.40% |
0.77% |
4.11% |
06/30/2024 |
|
Bond Investments |
Stable Value |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
FID TOTAL BOND
Inception Date 10/15/2002 |
Bond Investments |
Income |
4.15% |
-2.08% |
0.96% |
2.16% |
3.97% |
0.37% |
1.85% |
06/30/2024 |
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
2.68% |
-3.03% |
-0.22% |
1.33% |
5.00% |
0.16% |
1.04% |
06/30/2024 |
FID GOVT MMRK PRM
Inception Date 02/05/1990 7 day yield % as of 06/30/2024: 5.07 ** 7 day restated yield % as of 06/30/2024: 5.03 *** |
Short-Term Investments |
N/A |
5.19% |
2.93% |
1.98% |
1.33% |
2.66% |
1.27% |
2.78% |
06/30/2024 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
You are eligible to enroll in the Old Dominion University 403(b) Plan at any time. There is no waiting period. You must be enrolled in the Old Dominion 403(b) Plan #56452 in order to enroll in the Old Dominion Cash Match 401(a) Plan #72194.
Through automatic payroll deduction, you may contribute up to 85% of your eligible pay as a pretax or Roth contribution, or a combination of pretax and Roth contributions, up to the annual IRS dollar limits.
Decide how much of your salary you'd like to save in your workplace retirement savings plan. You can choose to direct 100% of your salary deferral election to one provider or split your salary deferral election to contribute a portion to each retirement provider (Fidelity or TIAA). For example, you can elect to direct 50% to Fidelity and the other 50% to TIAA. Or you can elect any other split you prefer if the total equals 100%.
If you are age 50 or older, you have the ability to make "catch-up contributions" to your plan, up to the current IRS dollar limits.
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 up to 85% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits. Please reach out to Fidelity with any questions about Roth contributions or reach out to your Tax Advisor with tax-related questions.
Unlike a Roth IRA, there are no income limits to be eligible for a Roth 403(b) option within an employer-sponsored retirement plan. 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.
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
When you are "vested" in your savings, it effectively means the money is yours to keep. You are always 100% vested in all contributions you make to your plan, as well as any earnings on them.
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.
If you have an account with Fidelity, login to Fidelity NetBenefits®, go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
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:
If you have an account with Fidelity, call 800-343-0860.
If you have an account with TIAA, call 800-842-2252.
Or you can also call CAPTRUST at 800-967-9948.
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.
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. Defaulted loans may also impact your eligibility to request additional loans.
For more information:
If you have an account with Fidelity, call 800-343-0860.
If you have an account with TIAA, call 800-842-2252.
Or you can also call CAPTRUST at 800-967-9948.
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 representative today. They can explain each option in greater detail so you can make the best choice for your specific needs.
If you have an account with Fidelity, call 800-343-0860.
If you have an account with TIAA, call 800-842-2252.
Or you can also call CAPTRUST at 800-967-9948
Online, on the phone, or in person, you have access to your account the way you want it. Log in to NetBenefits® virtually 24/7 or call Fidelity at 800-343-0860 to speak with a representative or use the automated voice response system.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
Now is a great time to schedule an appointment to discuss your goals for retirement.
For confidential consultations with Fidelity, call 800-642-7131 or go online.
For confidential consultations with TIAA, call 800-732-8353 or go online.
For confidential consultations with CAPTRUST, call 800-967-9948 or go online.
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Fidelity | 800-343-0860 |
TIAA | 800-842-2252 |
CAPTRUST | 800-967-9948 |
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Schedule time with a financial professional to get help with your financial goals.
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.
4The target date funds are designed for investors expecting to retire around the year indicated in each fund's name. The funds are managed to gradually become more conservative over time as they approach the target date. The investment risk of each target date fund changes over time as the fund's asset allocation changes. The funds are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after the funds' target dates.
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