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University of Arkansas
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

University of Arkansas 403(b) Defined Contribution 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

Explore your investment options below based on your desired level of investment involvement. At any time, you may use investments from any and all categories below.

Professional Investment Help

    Single-fund Solution - 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 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

    VANG TARGET RET 2020

    Inception Date 06/07/2006

    Blended Investments

    N/A

    -14.15%

    1.33%

    3.22%

    5.83%

    5.52%

    4.97%

    4.65%

    12/31/2022

    VANG TARGET RET 2025

    Inception Date 10/27/2003

    Blended Investments

    N/A

    -15.55%

    1.66%

    3.58%

    6.43%

    6.13%

    6.03%

    5.40%

    12/31/2022

    VANG TARGET RET 2030

    Inception Date 06/07/2006

    Blended Investments

    N/A

    -16.27%

    2.09%

    3.94%

    6.99%

    6.02%

    6.81%

    5.87%

    12/31/2022

    VANG TARGET RET 2035

    Inception Date 10/27/2003

    Blended Investments

    N/A

    -16.62%

    2.64%

    4.34%

    7.57%

    6.83%

    7.45%

    6.20%

    12/31/2022

    VANG TARGET RET 2040

    Inception Date 06/07/2006

    Blended Investments

    N/A

    -16.98%

    3.17%

    4.74%

    8.06%

    6.59%

    8.20%

    6.53%

    12/31/2022

    VANG TARGET RET 2045

    Inception Date 10/27/2003

    Blended Investments

    N/A

    -17.36%

    3.74%

    5.14%

    8.34%

    7.40%

    8.89%

    6.88%

    12/31/2022

    VANG TARGET RET 2050

    Inception Date 06/07/2006

    Blended Investments

    N/A

    -17.46%

    3.80%

    5.18%

    8.36%

    6.79%

    9.23%

    7.06%

    12/31/2022

    VANG TARGET RET 2055

    Inception Date 08/18/2010

    Blended Investments

    N/A

    -17.46%

    3.79%

    5.18%

    8.34%

    8.97%

    9.23%

    7.07%

    12/31/2022

    VANG TARGET RET 2060

    Inception Date 01/19/2012

    Blended Investments

    N/A

    -17.46%

    3.79%

    5.18%

    8.34%

    8.59%

    9.23%

    7.06%

    12/31/2022

    VANG TARGET RET 2065

    Inception Date 07/12/2017

    Blended Investments

    N/A

    -17.39%

    3.78%

    5.15%

    --

    6.42%

    9.24%

    7.04%

    12/31/2022

    VANG TARGET RET 2070

    Inception Date 06/28/2022

    Blended Investments

    N/A

    --

    --

    --

    --

    1.02%

    9.21%

    7.04%

    12/31/2022

    VANG TARGET RET INC

    Inception Date 10/27/2003

    Blended Investments

    N/A

    -12.74%

    0.34%

    2.30%

    3.62%

    4.57%

    3.74%

    3.92%

    12/31/2022

Do-It-Myself

    Core Funds - shows details. Click to open.

    When and Why:

    Do you have time and interest in choosing your own investments and managing your portfolio's diversification on an ongoing basis?

    Each investment option is managed to achieve specific objectives, including a certain balance of risk and potential returns. For more information on any investment option listed below, simply click on its name.

    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

    VAN FTSE SOC IDX ADM

    Inception Date 01/14/2003

    Stock Investments

    Large Cap

    -24.22%

    5.88%

    8.96%

    12.96%

    5.60%

    5.15%

    7.68%

    12/31/2022

    VANG INST INDEX PLUS

    Inception Date 07/31/1990

    Stock Investments

    Large Cap

    -18.13%

    7.65%

    9.41%

    12.55%

    9.87%

    7.55%

    6.28%

    12/31/2022

    VANG EXT MKT IDX INS

    Inception Date 12/21/1987

    Stock Investments

    Mid-Cap

    -26.46%

    3.03%

    4.89%

    9.64%

    10.18%

    5.12%

    10.81%

    12/31/2022

    VANG TOT INTL STK IS

    Inception Date 04/29/1996

    Stock Investments

    International

    -15.98%

    0.53%

    1.12%

    4.09%

    4.40%

    14.72%

    8.42%

    12/31/2022

    VANG TOT BD MKT INST

    Inception Date 12/11/1986

    Bond/Stable Value Inv

    Income

    -13.15%

    -2.73%

    0.01%

    1.02%

    5.18%

    1.67%

    3.20%

    12/31/2022

    FID CONTRAFUND K6

    Inception Date 05/25/2017

    Stock Investments

    Large Cap

    -14.76%

    7.52%

    8.25%

    --

    11.42%

    6.32%

    7.19%

    01/31/2023

    JPM EQUITY INCOME R6

    Inception Date 07/02/1987

    Stock Investments

    Large Cap

    -1.64%

    8.62%

    9.21%

    12.01%

    9.37%

    13.01%

    2.70%

    12/31/2022

    MFS MID CAP VALUE R6

    Inception Date 08/31/2001

    Stock Investments

    Mid-Cap

    -8.64%

    7.71%

    7.75%

    10.94%

    8.88%

    12.06%

    7.43%

    12/31/2022

    MM MID CAP GRTH I

    Inception Date 05/31/2000

    Stock Investments

    Mid-Cap

    -24.07%

    3.30%

    7.15%

    11.80%

    9.10%

    7.78%

    8.36%

    12/31/2022

    GS SM CAP VALUE R6

    Inception Date 10/22/1992

    Stock Investments

    Small Cap

    -14.74%

    3.30%

    3.15%

    8.60%

    9.35%

    9.62%

    8.10%

    12/31/2022

    MM SM CAP GRTH EQ I

    Inception Date 05/03/1999

    Stock Investments

    Small Cap

    -25.85%

    4.88%

    8.35%

    11.79%

    8.49%

    4.72%

    7.91%

    12/31/2022

    FID DIVERSFD INTL K6

    Inception Date 05/25/2017

    Stock Investments

    International

    -9.42%

    4.45%

    3.32%

    --

    5.36%

    17.86%

    8.53%

    01/31/2023

    PIF REAL EST SEC R6

    Inception Date 12/06/2000

    Stock Investments

    Specialty

    -25.14%

    0.44%

    4.96%

    7.68%

    10.01%

    2.36%

    10.59%

    12/31/2022

    LINCOLN FIXED ACCT

     

    Bond/Stable Value Inv

    Stable Value

    --

    --

    --

    --

    --

    --

    --

    --

    FID TOTAL BOND K6

    Inception Date 05/25/2017

    Bond/Stable Value Inv

    Income

    -7.72%

    -0.93%

    1.77%

    --

    1.65%

    6.54%

    3.57%

    01/31/2023

    VANG VMMR-FED MMKT

    Inception Date 07/13/1981

    7 day yield % as of 12/31/2022: 4.21 **

    Short-Term Investments

    N/A

    1.55%

    0.67%

    1.18%

    0.71%

    3.88%

    0.88%

    0.36%

    12/31/2022

Explore Plan Basics

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

Enrollment - shows details. Click to open.

Enrollment in the plan is a two-step process:

  1. Complete the Voluntary Salary Deferral Agreement (Tools & Resources > Forms & Documents) and return it to your Human Resources office.
  2. Enroll through the Fidelity website.

Roth Contributions - shows details. Click to open.

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 also after you have reached age 59½, become disabled, or died.

Through automatic payroll contributions, you can contribute between 1% and 100% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits.

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.

"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

Vesting - shows details. Click to open.

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.

The University's contributions are 100% vested after 24 consecutive months of service in a benefits eligible position for employees hired on or after July 1, 2016. For employees hired before July 1, 2016, the University's contributions will be 100% vested after 12 consecutive months of service in a benefits eligible position.

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.

Go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'.

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. 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, call the Fidelity Retirement Services Center at 1-800-343-0860.

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 contributions only.

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 $25, and there is a quarterly maintenance fee of $3.25. The initiation and maintenance fees are 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. Defaulted loans may also impact your eligibility to request additional loans.

Moving money - shows details. Click to open.

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.

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.

Universal 403(b)/SRA Plan - shows details. Click to open.

All employees are eligible to participate in an unmatched 403(b) on a voluntary basis. If you are not in a benefits-eligible role you will not receive any employer contributions to your retirement plan but you can make voluntary unmatched contributions.

To enroll in the University of Arkansas SRA Plan, please contact your local human resources.

Additional investment and account information - shows details. Click to open.

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®.

If you would like a copy of the complete plan document, please contact your local human resources.

Make Updates to My Account

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Update my fund choices or provider to help meet my financial goals. Login now.

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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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