To view this fund's performance and other information, log in to NetBenefits.
University Voluntary Savings Program (UVSP)
OHSU offers employees the opportunity to supplement their retirement income through pre-tax and/or Roth after-tax contributions to the UVSP, which consists of a 403(b) Plan and a Governmental 457(b) Plan.
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. Note: the 403(b) Plan investment options (shown below) and the 457(b) Plan Investment Options differ slightly.
When and Why:
For help building your portfolio, consider using Fidelity's online planning tools or contacting a Fidelity workplace financial consultant at 1-800-642-7131.
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 TARGET RET 2020
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
10.42% |
1.98% |
5.60% |
5.63% |
5.99% |
2.83% |
0.78% |
03/31/2024 |
VANG TARGET RET 2025
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
12.95% |
2.68% |
6.55% |
6.31% |
6.64% |
3.81% |
1.58% |
03/31/2024 |
VANG TARGET RET 2030
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
14.78% |
3.34% |
7.36% |
6.87% |
6.74% |
4.54% |
2.09% |
03/31/2024 |
VANG TARGET RET 2035
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
16.37% |
4.02% |
8.17% |
7.43% |
7.50% |
5.24% |
2.71% |
03/31/2024 |
VANG TARGET RET 2040
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
17.94% |
4.69% |
8.96% |
7.95% |
7.46% |
5.85% |
3.26% |
03/31/2024 |
VANG TARGET RET 2045
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
19.45% |
5.34% |
9.74% |
8.40% |
8.20% |
6.45% |
3.83% |
03/31/2024 |
VANG TARGET RET 2050
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
20.42% |
5.68% |
9.99% |
8.53% |
7.81% |
6.86% |
4.19% |
03/31/2024 |
VANG TARGET RET 2055
Inception Date 08/18/2010 |
Blended Investments* |
N/A |
20.43% |
5.69% |
9.98% |
8.51% |
10.12% |
6.88% |
4.19% |
03/31/2024 |
VANG TARGET RET 2060
Inception Date 01/19/2012 |
Blended Investments* |
N/A |
20.44% |
5.70% |
9.99% |
8.51% |
9.91% |
6.87% |
4.20% |
03/31/2024 |
VANG TARGET RET 2065
Inception Date 07/12/2017 |
Blended Investments* |
N/A |
20.41% |
5.72% |
9.98% |
-- |
9.19% |
6.88% |
4.21% |
03/31/2024 |
VANG TARGET RET 2070
Inception Date 06/28/2022 |
Blended Investments* |
N/A |
20.51% |
-- |
-- |
-- |
16.01% |
6.88% |
4.18% |
03/31/2024 |
VANG TARGET RET INC
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
8.47% |
1.23% |
4.14% |
4.14% |
4.91% |
2.17% |
0.24% |
03/31/2024 |
When and Why:
This tier consists of a range of index mutual funds. Index funds seek to match the performance of a market benchmark at a lower cost than actively managed funds. You may want to consider these options if you are comfortable diversifying your investments on your own. These options provide the flexibility to build your own strategy to meet your needs and are for those people who want to assume a greater involvement in the management of their investments than is possible in Tier 1.
Indexes are unmanaged. It is not possible to invest directly in an index.
For help building your portfolio using Tier 2 options, consider using Fidelity's online planning tools or contacting a Fidelity workplace financial consultant at 1-800-642-7131.
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 |
29.87% |
11.48% |
15.04% |
12.95% |
10.90% |
10.55% |
7.38% |
03/31/2024 |
VANG MIDCAP IDX INST
Inception Date 05/21/1998 |
Stock Investments |
Mid-Cap |
20.45% |
5.72% |
10.94% |
9.90% |
10.03% |
7.86% |
3.79% |
03/31/2024 |
VANG SM CAP IDX INST
Inception Date 10/03/1960 |
Stock Investments |
Small Cap |
22.53% |
3.81% |
10.00% |
8.95% |
10.61% |
7.52% |
1.81% |
03/31/2024 |
VANG TOT INTL STK IS
Inception Date 04/29/1996 |
Stock Investments |
International |
13.00% |
1.91% |
6.19% |
4.48% |
4.89% |
4.32% |
2.61% |
03/31/2024 |
VANG TOT WLD STK IS
Inception Date 06/24/2008 |
Stock Investments |
International |
22.73% |
6.61% |
10.90% |
8.76% |
7.49% |
7.81% |
5.06% |
03/31/2024 |
VANG TOT BD MKT INST
Inception Date 12/11/1986 |
Bond Investments |
Income |
1.67% |
-2.41% |
0.39% |
1.53% |
5.13% |
-0.79% |
-3.11% |
03/31/2024 |
When and Why:
This tier consists of a range of actively managed mutual funds. Actively managed funds typically have higher fees than index funds, and seek to outperform the market (though they may also underperform the market). You may want to consider these options if you are comfortable diversifying your investments on your own among potentially more segmented parts of the market. These options provide the flexibility to build your own strategy to meet your needs and are for those people who want to assume a greater involvement in the management of their investments than is possible in Tier 1.
For help building your portfolio using Tier 3 options, consider using Fidelity's online planning tools or contacting a Fidelity workplace financial consultant at 1-800-642-7131.
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 CONTRAFUND K6
Inception Date 05/25/2017 |
Stock Investments |
Large Cap |
45.98% |
12.86% |
16.97% |
-- |
16.19% |
17.73% |
14.52% |
03/31/2024 |
FID GROWTH CO K6
Inception Date 06/13/2019 |
Stock Investments |
Large Cap |
47.36% |
10.98% |
-- |
-- |
23.15% |
16.53% |
12.52% |
03/31/2024 |
FID US SUSTN IDX
Inception Date 05/09/2017 |
Stock Investments |
Large Cap |
33.35% |
12.24% |
15.76% |
-- |
14.73% |
11.72% |
8.19% |
03/31/2024 |
MFS VALUE R6
Inception Date 01/02/1996 |
Stock Investments |
Large Cap |
19.56% |
8.65% |
10.84% |
9.57% |
10.23% |
8.84% |
5.38% |
03/31/2024 |
CONESTOGA SM CAP IS
Inception Date 10/01/2002 |
Stock Investments |
Small Cap |
12.71% |
1.00% |
9.01% |
10.56% |
11.55% |
3.62% |
-1.82% |
03/31/2024 |
NORTHERN SM CAP VAL
Inception Date 03/31/1994 |
Stock Investments |
Small Cap |
18.78% |
4.31% |
7.57% |
6.64% |
9.27% |
3.13% |
-0.98% |
03/31/2024 |
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
International |
13.49% |
-0.16% |
6.91% |
5.58% |
10.11% |
7.44% |
5.63% |
03/31/2024 |
DFA INTL SMALL CO I
Inception Date 09/30/1996 |
Stock Investments |
International |
11.03% |
1.83% |
6.66% |
4.84% |
6.68% |
3.21% |
0.93% |
03/31/2024 |
DODGE & COX INT SK X
Inception Date 05/01/2001 |
Stock Investments |
International |
13.49% |
5.21% |
7.34% |
4.04% |
6.97% |
3.17% |
2.66% |
03/31/2024 |
FID INTL SUSTN IDX
Inception Date 05/09/2017 |
Stock Investments |
International |
10.81% |
0.15% |
5.56% |
-- |
4.96% |
4.02% |
2.56% |
03/31/2024 |
C&S INST REALTY SHS
Inception Date 02/14/2000 |
Stock Investments |
Specialty |
9.51% |
3.48% |
5.88% |
7.84% |
10.64% |
-0.49% |
-7.23% |
03/31/2024 |
VANG WELLINGTON ADM
Inception Date 07/01/1929 |
Blended Investments* |
N/A |
16.85% |
6.00% |
9.02% |
8.29% |
8.28% |
5.53% |
3.49% |
03/31/2024 |
NYL GUAR INT ACCOUNT
Inception Date 01/02/2013 |
Bond Investments |
Stable Value |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
BAIRD CORE PLUS INST
Inception Date 09/29/2000 |
Bond Investments |
Income |
3.56% |
-1.71% |
1.23% |
2.29% |
4.74% |
-0.18% |
-2.44% |
03/31/2024 |
FID SUSTN BOND IDX
Inception Date 06/19/2018 |
Bond Investments |
Income |
1.58% |
-2.56% |
0.19% |
-- |
1.00% |
-0.79% |
-3.14% |
03/31/2024 |
VAN ST INF PS IDX IS
Inception Date 10/17/2012 |
Bond Investments |
Income |
3.16% |
2.23% |
3.16% |
2.01% |
1.68% |
0.85% |
0.77% |
03/31/2024 |
VANG VMMR-FED MMKT
Inception Date 07/13/1981 7 day yield % as of 03/31/2024: 5.28 ** |
Short-Term Investments |
N/A |
5.32% |
2.64% |
1.98% |
1.34% |
3.91% |
1.32% |
1.73% |
03/31/2024 |
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.
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 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.
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
You are eligible to begin contributing to one or both of the plans at any time. Click the Enroll Now button above to get started.
UVSP contributions are deducted from each paycheck on a pre-tax and/or Roth after-tax basis. OHSU does not contribute to the UVSP (except through the 403(b) match contributions available to ONA-represented, Research and Unclassified Administration employees hired 7/1/17 or later). Employees can contribute between 1% and 90%* in whole percentages.
ONA-represented employees participating in the 401(a) UPP AND who are NOT contributing to the UVSP 403(b) Plan will be automatically enrolled in the 403(b) plan at the time of UPP enrollment, contributing 6% of pay. To ensure you get the full match, be sure to contribute at least 6%. Matching contributions will be made to the 403(b) plan as follows:
For Research and Unclassified Administrative employees participating in the 401(a) UPP AND the UVSP 403(b) Plan, matching contributions will be made to 403(b) plan as follows:
403(b) and/or 457(b) contribution elections must be made by 1:00 pm PST the Friday before payday to guarantee they will be effective by the following payday.
Click here to view the current year's contribution limit. If you fall within the age range of 62 to 64 and want to make double limit catch-up contributions, you must fill out the Fidelity Investments 457(b) Contribution Limit Calculator Questionnaire and forward the results, including screenshots of each page (steps 1-3), to retire@ohsu.edu for verification. Contact Fidelity at 1 (800) 343-0860 for questions.
* The maximum contribution is dependent upon earnings to deduction ratio which is employee specific, therefore not all employees can choose a large amount such as 90%. If there are not enough earnings to support the contribution, nothing will be deducted and you will need to decrease your contribution. Employees who want to contribute to both plans at the same time need to make sure they have enough earnings to support both amounts. Employees who want to maximize their contribution each year must adjust their deduction(s) accordingly if the IRS limits increase.
The primary differences between the OHSU 403(b) and 457(b) plans are:
A recordkeeping fee of $44 per year ($11 per quarter) will be assessed for all participants with an account balance of $5,0001 or greater.
There will be no recordkeeping fee charged for active participants with an account balance of $4,9992 or less.
1You will only be charged the recordkeeping fee once if you have a balance of $5,000 or greater in multiple plans individually. To determine from which plan the fee is deducted, a plan hierarchy has been established and is as follows: 401(a), 403(b), then 457(b).
2If you have a balance of $4,999 or less in multiple plans individually and you are an active participant, you will not be charged a recordkeeping fee until your balance in one plan individually reaches $5,000.
When you are "vested" in your savings, it means the money is yours to keep. You are always 100% vested in all contributions you make to one or both of these plans, as well as any earnings.
If you have retirement savings in another employer's plan or in an IRA, you can generally roll it to either plan.
Note: You are permitted to roll over eligible pretax and Roth contributions from another 401(k) plan, 401(a) plan, 403(b) plan, governmental 457(b) retirement plan account, or eligible pretax contributions from conduit individual retirement accounts (rollover IRAs) and certain non-conduit individual retirement accounts (traditional IRAs, Simplified Employee Pension plans, and "SIMPLE" IRA distributions made more than two years from the date you first participated in the SIMPLE IRA). A conduit IRA is one that contains only money rolled over from an employer sponsored retirement plan that has not been mixed with regular IRA contributions.
Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.
Loans are not permitted in the 457(b) Plan.
Although your 403(b) plan account is intended for the future, you may borrow up to 50% of your account balance for any reason.
The minimum loan amount is $1,000, and a loan must not exceed $50,000. Any outstanding loan balances over the previous 12 months may reduce the amount you have available to borrow. You then pay the money back into your account from 1 to 5 years, plus interest, through Automatic Clearing House (ACH) deductions from your bank account.
You may have one loan outstanding at a time. The cost to initiate a loan is $75 and there is a quarterly maintenance fee of $6.25. The initiation and maintenance fees are deducted directly from your plan account.
An employee who has an outstanding loan and prepays that loan (that is, pay off a loan before it is due) will not be approved for another loan until:
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 for employees under age 59˝. Defaulted loans may also impact your eligibility to request additional loans. Be sure you understand the Plan guidelines before you initiate a loan from your plan account.
If your employment with OHSU terminates before your loan matures the entire principal and interest is immediately due and payable no later than the last day of the calendar quarter following the calendar quarter in which you leave OHSU employment.
For more information, call the Fidelity Retirement Services Center at 1-800-343-0860.
You are allowed to withdraw money from the 403(b) plan when you leave OHSU, retire, reach age 59˝, 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 age 59˝, a 10% early withdrawal tax penalty.
Withdrawals from the 457(b) plan are not allowed until you leave OHSU employment.
Once you leave OHSU employment, you may either keep your account in the OHSU plan, roll over your account balance to another employer plan or IRA, or take the money in cash. If you decide to leave your account in the OHSU plan, be sure to keep your mailing address current with Fidelity so they can stay in contact with you. There is no deadline for making a withdrawal decision.
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'.
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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