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Stanford Contributory Retirement Plan (SCRP)
The Stanford Contributory Retirement Plan (SCRP) has two accounts to help you to save for your retirement. After receiving your first paycheck, enroll in the Tax-Deferred Account (TDA)* of the SCRP and start making contributions from your paycheck. After one year of qualifying service, you become eligible to receive Stanford contributions, and will be automatically enrolled in the Contributory Retirement Account (CRA) of the SCRP. Regardless of which account you contribute to, you are always fully vested in the contributions you make and those you receive from Stanford.
View your investment options with Enroll Now
Target 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.
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 FDM IDX 2010 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
10.90% |
0.67% |
4.10% |
4.36% |
5.60% |
4.46% |
7.25% |
08/31/2024 |
|
FID FDM IDX 2015 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
12.38% |
0.96% |
4.99% |
5.03% |
6.16% |
4.93% |
8.17% |
08/31/2024 |
|
FID FDM IDX 2020 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
13.88% |
1.18% |
5.80% |
5.59% |
6.80% |
5.22% |
9.13% |
08/31/2024 |
|
FID FDM IDX 2025 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
15.10% |
1.60% |
6.56% |
6.10% |
7.51% |
5.52% |
9.91% |
08/31/2024 |
|
FID FDM IDX 2030 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
16.24% |
2.15% |
7.51% |
6.88% |
8.22% |
5.70% |
10.47% |
08/31/2024 |
|
FID FDM IDX 2035 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
18.06% |
3.00% |
9.10% |
7.86% |
9.11% |
5.84% |
11.54% |
08/31/2024 |
|
FID FDM IDX 2040 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
20.30% |
4.03% |
10.43% |
8.49% |
9.58% |
6.09% |
12.88% |
08/31/2024 |
|
FID FDM IDX 2045 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
21.13% |
4.38% |
10.64% |
8.60% |
9.70% |
6.16% |
13.36% |
08/31/2024 |
|
FID FDM IDX 2050 PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
21.14% |
4.39% |
10.66% |
8.61% |
9.73% |
6.19% |
13.34% |
08/31/2024 |
|
FID FDM IDX 2055 PRM
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
21.19% |
4.39% |
10.65% |
8.60% |
8.90% |
6.20% |
13.32% |
08/31/2024 |
|
FID FDM IDX 2060 PRM
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
21.12% |
4.38% |
10.66% |
8.60% |
8.89% |
6.17% |
13.42% |
08/31/2024 |
|
FID FDM IDX 2065 PRM
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
21.12% |
4.38% |
10.65% |
-- |
10.05% |
6.13% |
13.42% |
08/31/2024 |
|
FID FDM IDX INC PRM
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
9.77% |
0.56% |
2.93% |
3.25% |
3.68% |
4.27% |
6.43% |
08/31/2024 |
Core funds are designed to constitute the essential elements of your overall investment portfolio. Different fund companies define core funds differently, but typically these funds include several types of investments that are suitable for most investors, making it easier to get the investment exposure they want without buying a huge number of individual stocks, funds, or other securities.
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.
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 |
|||
|
HTFD INTL OPPS R6
Inception Date 07/22/1996 |
Stock Investments |
N/A |
21.34% |
1.30% |
8.43% |
5.46% |
5.99% |
4.52% |
11.15% |
08/31/2024 |
|
VANG EXT MKT IDX ISP
Inception Date 12/21/1987 |
Stock Investments |
N/A |
20.44% |
-0.65% |
10.67% |
8.92% |
10.60% |
6.34% |
8.55% |
08/31/2024 |
|
VANG INST INDEX PLUS
Inception Date 07/31/1990 |
Stock Investments |
N/A |
27.11% |
9.35% |
15.90% |
12.97% |
10.69% |
7.39% |
19.11% |
08/31/2024 |
|
VANG TOT INTL STK IP
Inception Date 04/29/1996 |
Stock Investments |
N/A |
17.77% |
1.98% |
7.81% |
4.66% |
5.05% |
4.41% |
9.17% |
08/31/2024 |
|
WM BLR SMDCP CORE R6
Inception Date 09/30/2019 |
Stock Investments |
N/A |
14.16% |
2.86% |
-- |
-- |
11.13% |
6.89% |
9.15% |
08/31/2024 |
|
PIM INFL RESP MA IS
Inception Date 08/31/2011 |
Blended Investments* |
N/A |
9.43% |
3.16% |
6.37% |
3.95% |
3.41% |
2.99% |
7.36% |
08/31/2024 |
|
LOOMIS CORE PL BD N
Inception Date 11/07/1973 |
Bond Investments |
N/A |
7.26% |
-1.76% |
0.83% |
2.01% |
6.36% |
4.63% |
5.02% |
08/31/2024 |
|
VAN ST INF PS IDX IS
Inception Date 10/17/2012 |
Bond Investments |
N/A |
6.25% |
2.19% |
3.33% |
2.20% |
1.87% |
2.09% |
4.58% |
08/31/2024 |
|
VANG TOT BD MK IS PL
Inception Date 12/11/1986 |
Bond Investments |
N/A |
7.24% |
-2.14% |
-0.05% |
1.63% |
5.14% |
4.67% |
4.89% |
08/31/2024 |
|
VANG CR FED MM ADM
Inception Date 10/03/1989 7 day yield % as of 08/31/2024: 5.26 ** |
Short-Term Investments |
N/A |
5.44% |
3.41% |
2.28% |
1.68% |
3.01% |
1.34% |
3.78% |
08/31/2024 |
Are you focused on building retirement savings or a retirement income stream? If so, annuities may be a good option for you.
Annuities are investment products issued by insurance companies that can help you save for retirement, generate a stream of income in retirement, or both. There are different types of annuities with different purposes.
Are you interested in investing in options beyond what your plan offers in the standard lineup?
A self-directed brokerage account allows you to choose investments outside of the standard lineup 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 BrokerageLink® Central (NetBenefits Homepage > Quick Links > BrokerageLink) 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 in your plan's lineup with those available through BrokerageLink, and determine the available investments 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 the savings plan offered by Stanford University.
Plan Eligibility
If you are a Stanford employee, you are likely eligible to open a TDA following your first regular paycheck. You may also be eligible to open a CRA after one year of employment. Your eligibility is based on a variety of factors to determine your eligibility. When you are ready to get started, click the "Enroll Now" link above or call (888) 793-8733.
Note to Recalled Retirees (faculty & staff): If you're recalled into active employment you may have additional eligibility considerations. Contact Stanford Benefits for assistance at 650-736-2985, option 7.
Tax-Deferred Account (TDA) - Enroll At Hire
Get started right away by taking advantage of the Tax-Deferred Account (TDA), which allows you to start saving a percentage of your salary on a before-tax basis. The TDA is designed to give Stanford employees an immediate vehicle for retirement savings. You may enroll in the TDA as soon as you receive your first paycheck.
Contributory Retirement Account (CRA) - Automatic Enrollment After One Year
Celebrate your one-year anniversary at Stanford by saving in the Contributory Retirement Account (CRA) of the SCRP. This account is a flexible and robust savings tool that allows you to contribute a percentage of your salary on either a before-tax or after-tax basis.
After you have completed one year of service, Stanford provides a matching contribution for employees who contribute to the CRA. In order to help you maximize the match, you will be automatically enrolled in the Contribution Retirement Account (CRA) at a contribution rate of 4%.Your contributions will be invested in one of the Vanguard Institutional Target Retirement Fund Institutional Shares unless you choose another investment strategy choice.
You may view your CRA contribution amount now via NetBenefits®; however, deductions will not begin until you become eligible (after completing one year of service). You can choose to opt out if you take action prior to your eligibility date by changing your contribution to 0%. Or you can increase or decrease your amount at any time via NetBenefits® , or call 1-888-793-8733.
Important: The only way to receive Stanford's Matching contribution is to participate in the CRA and contribute up to 4%. Your contributions do not automatically transfer from one account to the other. This means if you do not open a CRA, and direct your contributions into CRA, you will lose out on the Matching contribution.
Transition from TDA to CRA Without Losing Any Match
If you become eligible to open a Contributory Retirement Account (CRA) mid-year, remember to enroll and begin contributing at least 4% of your future contributions to your CRA. That way you can start receiving the university's Matching contribution as soon as possible. You can continue to make before-tax contributions to TDA. Remember, contributions that go into TDA are not eligible for the Match contributions and cannot transfer into your CRA.
Be aware: If you defer too much of your before-tax contributions to TDA, you may reach the before-tax contribution limits before deferring at least 4% to CRA. In order to receive the maximum Matching contribution, you will have to contribute on an after-tax basis to receive the maximum Matching contribution.
Your enrollment becomes effective once you elect the percent of your salary to defer into the plan. This initiates your paycheck deduction. Deductions generally begin the pay period after your enrollment.
Through automatic payroll deduction, you can contribute up to 100% of your paycheck on a before-tax (or after-tax) basis up to the annual Internal Revenue Service (IRS) limit, or 100% of your W2 compensation, whichever is less. Click here to view the current year's contribution limit.
Your before-tax contributions will be listed on each pay statement. To find either Basic or Matching contributions you received from Stanford, look at your account balance on Stanford Retirement Manager or TIAA.
After your first year of employment, Stanford adds:
Basic Contribution
One percent of eligible compensation throughout your second year of employment, then an additional percent each year of employment to a 5% maximum, and
Matching Contribution
Another 1.5 % of your eligible compensation when you contribute at least 1%
3% when you contribute 2%
4% when you contribute 3%
5% maximum when you contribute 4% or more
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
You are always 100% vested in your SCRP contributions, Stanford's contributions on your behalf and any earnings.
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'.
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 59˝, a 10% early withdrawal tax penalty.
When you leave Stanford, you can withdraw contributions and any associated earnings, or leave your account balance in the Plan. To begin the distribution process, contact your investment provider(s) directly. Be sure to file your application at least 30 days before the date you want your benefit payments to begin. All distributions are subject to a minimum 30-day waiting period after your termination date. In addition to the 30-day waiting period, allow at least 15 business days for the administrative review and approval process of your distribution request. Distributions may be subject to an administrative processing fee.
Note: Your account will be valued as of the date your distribution request has been fully reviewed, approved and processed. You bear the gain or loss in any market fluctuations that occur between the date you apply for a distribution and the date the distribution is made.
You may borrow up to 50% of your SCRP balance in Fidelity and/or Vanguard funds. The minimum amount is $1,000 and the maximum is $50,000. You repay the loan plus interest through automatic withdrawals from your checking or savings account. You may have one loan outstanding at a time. Besides the interest, you pay a $50 fee when you initiate the loan and a quarterly $6.25 maintenance fee. Both are automatically deducted from your account. If you fail to repay your loan, it will be considered in default and treated as a distribution, making it subject to income tax and possibly a 10% early withdrawal penalty. Defaulted loans may affect your eligibility to request other loans. For more information on loans, read the Stanford Contributory Retirement Plan Summary.
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 Stanford Benefits Department at (650) 736-2985 and press option 2, available Monday through Friday - except holidays 5 a.m. to 9 p.m. Pacific Time.
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Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available, 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.
2Total 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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