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UCHA 401(a) Investment Account
A 401(a) plan is a plan set up by an employer that allows for tax-deferred contributions by the employee, the employer, or both.
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.
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 FRDM BLEND INC S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
1.84% |
-0.64% |
2.23% |
3.33% |
2.93% |
0.58% |
2.27% |
08/31/2023 |
|
FID FRDM BLND 2005 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
1.98% |
-0.31% |
2.50% |
4.05% |
3.51% |
0.65% |
2.44% |
08/31/2023 |
|
FID FRDM BLND 2010 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
2.97% |
0.39% |
3.07% |
4.83% |
4.28% |
1.11% |
3.14% |
08/31/2023 |
|
FID FRDM BLND 2015 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
4.00% |
1.05% |
3.62% |
5.52% |
4.61% |
1.62% |
3.87% |
08/31/2023 |
|
FID FRDM BLND 2020 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
5.02% |
1.70% |
4.11% |
6.00% |
4.69% |
2.11% |
4.65% |
08/31/2023 |
|
FID FRDM BLND 2025 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
6.09% |
2.38% |
4.60% |
6.59% |
5.15% |
2.59% |
5.27% |
08/31/2023 |
|
FID FRDM BLND 2030 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
7.36% |
3.33% |
5.21% |
7.39% |
5.34% |
3.17% |
6.02% |
08/31/2023 |
|
FID FRDM BLND 2035 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
9.73% |
5.04% |
6.22% |
8.31% |
5.98% |
4.18% |
7.54% |
08/31/2023 |
|
FID FRDM BLND 2040 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
11.78% |
6.33% |
6.98% |
8.75% |
6.16% |
5.15% |
8.98% |
08/31/2023 |
|
FID FRDM BLND 2045 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
12.26% |
6.45% |
7.06% |
8.79% |
6.20% |
5.45% |
9.25% |
08/31/2023 |
|
FID FRDM BLND 2050 S
Inception Date 10/31/2007 |
Blended Investments* |
N/A |
12.27% |
6.44% |
7.04% |
8.80% |
6.10% |
5.40% |
9.25% |
08/31/2023 |
|
FID FRDM BLND 2055 S
Inception Date 07/12/2011 |
Blended Investments* |
N/A |
12.27% |
6.46% |
7.06% |
8.83% |
8.60% |
5.43% |
9.25% |
08/31/2023 |
|
FID FRDM BLND 2060 S
Inception Date 05/06/2016 |
Blended Investments* |
N/A |
12.22% |
6.44% |
7.05% |
-- |
7.44% |
5.42% |
9.25% |
08/31/2023 |
|
FID FRDM BLND 2065 S
Inception Date 07/02/2019 |
Blended Investments* |
N/A |
12.23% |
6.47% |
-- |
-- |
7.92% |
5.44% |
9.29% |
08/31/2023 |
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 |
|||
|
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
Large Cap |
15.94% |
10.51% |
11.11% |
12.80% |
10.58% |
8.29% |
13.89% |
08/31/2023 |
|
FID MID CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Mid-Cap |
8.45% |
9.26% |
7.36% |
10.04% |
11.75% |
8.75% |
3.96% |
08/31/2023 |
|
FID INTL INDEX
Inception Date 11/05/1997 |
Stock Investments |
International |
18.67% |
6.25% |
4.33% |
5.07% |
4.88% |
3.35% |
8.42% |
08/31/2023 |
|
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
-1.16% |
-4.43% |
0.50% |
1.47% |
5.03% |
-1.01% |
-0.09% |
08/31/2023 |
|
DODGE & COX STOCK X
Inception Date 01/04/1965 |
Stock Investments |
Large Cap |
12.38% |
16.27% |
9.24% |
11.42% |
11.08% |
9.58% |
7.55% |
08/31/2023 |
|
FID CONTRAFUND K6
Inception Date 05/25/2017 |
Stock Investments |
Large Cap |
23.40% |
5.92% |
10.72% |
-- |
13.46% |
9.35% |
23.93% |
08/31/2023 |
|
FID GROWTH CO K6
Inception Date 06/13/2019 |
Stock Investments |
Large Cap |
27.61% |
7.73% |
-- |
-- |
20.26% |
9.61% |
26.90% |
08/31/2023 |
|
VANG GRTH INDEX INST
Inception Date 11/02/1992 |
Stock Investments |
Large Cap |
21.72% |
7.17% |
13.38% |
14.78% |
10.62% |
9.36% |
28.52% |
08/31/2023 |
|
VANG VAL INDEX INST
Inception Date 11/02/1992 |
Stock Investments |
Large Cap |
9.36% |
12.84% |
8.15% |
10.45% |
9.55% |
7.21% |
1.42% |
08/31/2023 |
|
VANG MDCPGR IDX ADM
Inception Date 08/17/2006 |
Stock Investments |
Mid-Cap |
9.42% |
4.58% |
8.26% |
10.60% |
9.18% |
7.94% |
8.30% |
08/31/2023 |
|
VANG MDCPVAL IDX ADM
Inception Date 08/17/2006 |
Stock Investments |
Mid-Cap |
4.22% |
12.38% |
6.27% |
9.34% |
8.25% |
8.52% |
-0.43% |
08/31/2023 |
|
DLWR SM CAP CORE IS
Inception Date 12/29/1998 |
Stock Investments |
Small Cap |
4.33% |
10.90% |
4.36% |
9.24% |
10.07% |
8.49% |
0.20% |
08/31/2023 |
|
VANG SM GR IDX INST
Inception Date 05/21/1998 |
Stock Investments |
Small Cap |
7.73% |
2.20% |
4.46% |
8.70% |
8.51% |
7.68% |
6.65% |
08/31/2023 |
|
VANG SM VAL IDX INST
Inception Date 05/21/1998 |
Stock Investments |
Small Cap |
7.85% |
15.79% |
5.62% |
9.25% |
8.50% |
11.61% |
1.72% |
08/31/2023 |
|
DFA INTL VALUE I
Inception Date 02/15/1994 |
Stock Investments |
International |
20.69% |
14.45% |
4.73% |
4.98% |
6.08% |
7.87% |
12.21% |
08/31/2023 |
|
I O INTL GROWTH Y
Inception Date 03/25/1996 |
Stock Investments |
International |
13.91% |
1.32% |
3.39% |
4.47% |
7.32% |
-0.05% |
6.35% |
08/31/2023 |
|
MC EMERGING MKTS I
Inception Date 05/29/2015 |
Stock Investments |
International |
0.87% |
-4.56% |
0.80% |
-- |
3.20% |
0.33% |
-0.09% |
08/31/2023 |
|
FID BALANCED
Inception Date 11/06/1986 |
Blended Investments* |
N/A |
11.60% |
6.70% |
8.64% |
9.53% |
9.29% |
5.08% |
11.56% |
08/31/2023 |
|
AS GOVT SECS ADM
Inception Date 08/31/1999 |
Bond Investments |
Income |
-2.84% |
-4.72% |
-0.19% |
0.81% |
5.14% |
-1.77% |
-1.05% |
08/31/2023 |
|
DFA INF PRT SEC PORT
Inception Date 09/18/2006 |
Bond Investments |
Income |
-3.81% |
-1.65% |
2.39% |
2.13% |
3.53% |
-1.11% |
0.32% |
08/31/2023 |
|
FID HIGH INCOME
Inception Date 08/29/1990 |
Bond Investments |
Income |
4.26% |
0.17% |
1.50% |
3.39% |
7.50% |
2.84% |
4.79% |
08/31/2023 |
|
FID TOTAL BOND
Inception Date 10/15/2002 |
Bond Investments |
Income |
0.36% |
-3.09% |
1.44% |
2.33% |
3.91% |
-0.22% |
1.27% |
08/31/2023 |
|
FIMM GOVT INST
Inception Date 07/25/1985 7 day yield % as of 08/31/2023: 5.25 ** 7 day restated yield % as of 08/31/2023: 5.20 *** |
Short-Term Investments |
N/A |
4.33% |
1.58% |
1.59% |
1.01% |
3.32% |
1.29% |
3.56% |
08/31/2023 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
UCHealth will automatically enroll you in the 401(a) Investment Account.
You are required to contribute 6.2% of your eligible compensation to the Investment Account. Although this mandatory requirement may seem like an unnecessary dent in your paycheck, it is equal to paying Social Security taxes, which you would automatically pay through almost any other employer. To choose your investment options just log on to Fidelity Netbenefits® or call a Fidelity Retirement Representative at 1-800-343-0860.
Your enrollment becomes effective once you indicate how much you'd like to contribute, also known as the deferral. You will generally begin to see your contributions deduction from your paycheck in the next pay period, or as soon as administratively possible.
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.
You are generally allowed to withdraw money from your plan when you leave your employer, retire, or become permanently disabled.
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 1-800-343-0860 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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