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University of North Carolina
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

University of North Carolina Code Section 457(b) Plan (UNC 457(b) Plan)

The UNC System 457(b) Plan is a defined contribution plan. This means the value of your retirement benefit is based on the contributions you make to the plan, how you invest them and how your investments perform.

  • 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

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.

TARGET DATE FUNDS

Explore Your Investment Options - 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

VANGUARD TARGET 2020

Inception Date 06/22/2007

Blended Investments*

N/A

-7.96%

3.17%

3.76%

5.80%

4.93%

-0.44%

3.42%

02/28/2023

VANGUARD TARGET 2025

Inception Date 06/28/2007

Blended Investments*

N/A

-8.23%

4.09%

4.23%

6.43%

5.13%

-0.47%

3.47%

02/28/2023

VANGUARD TARGET 2030

Inception Date 06/28/2007

Blended Investments*

N/A

-8.29%

4.96%

4.61%

6.97%

5.32%

-0.46%

3.49%

02/28/2023

VANGUARD TARGET 2035

Inception Date 06/28/2007

Blended Investments*

N/A

-8.17%

5.96%

5.04%

7.55%

5.61%

-0.42%

3.47%

02/28/2023

VANGUARD TARGET 2040

Inception Date 06/28/2007

Blended Investments*

N/A

-8.06%

6.93%

5.44%

8.03%

5.96%

-0.39%

3.45%

02/28/2023

VANGUARD TARGET 2045

Inception Date 06/28/2007

Blended Investments*

N/A

-7.94%

7.90%

5.86%

8.32%

6.12%

-0.36%

3.43%

02/28/2023

VANGUARD TARGET 2050

Inception Date 06/28/2007

Blended Investments*

N/A

-7.85%

8.03%

5.94%

8.36%

6.19%

-0.36%

3.38%

02/28/2023

VANGUARD TARGET 2055

Inception Date 08/31/2010

Blended Investments*

N/A

-7.86%

8.03%

5.94%

8.34%

9.59%

-0.36%

3.36%

02/28/2023

VANGUARD TARGET 2060

Inception Date 03/01/2012

Blended Investments*

N/A

-7.81%

8.06%

5.96%

8.37%

8.54%

-0.36%

3.38%

02/28/2023

VANGUARD TARGET 2065

Inception Date 07/24/2017

Blended Investments*

N/A

-7.80%

8.06%

5.97%

--

7.65%

-0.39%

3.36%

02/28/2023

VANGUARD TARGET INC

Inception Date 06/22/2007

Blended Investments*

N/A

-7.72%

1.21%

2.82%

3.72%

4.36%

-0.41%

3.33%

02/28/2023

CORE LINEUP

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When and Why:

Investors 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

MFS INTL INTR VAL 4

Inception Date 05/14/2013

Stock Investments

N/A

-8.60%

5.41%

4.78%

--

7.29%

2.15%

5.33%

02/28/2023

VANG EXT MKT IDX TR

Inception Date 12/20/2022

Stock Investments

N/A

--

--

--

--

--

--

0.97%

VANG INST INDEX TR

Inception Date 12/20/2022

Stock Investments

N/A

--

--

--

--

--

--

3.85%

VANG TOT INT STK IDX

Inception Date 12/20/2022

Stock Investments

N/A

--

--

--

--

--

--

3.19%

FID CONTRAFUND K

Inception Date 05/17/1967

Stock Investments

Large Cap

-13.41%

9.14%

8.30%

12.50%

12.29%

-0.61%

8.63%

02/28/2023

JH DISCPL VALUE R6

Inception Date 01/02/1997

Stock Investments

Large Cap

-2.16%

14.06%

7.20%

10.06%

8.75%

-3.08%

-3.82%

02/28/2023

TRP LARGE-CAP GRTH I

Inception Date 10/31/2001

Stock Investments

Large Cap

-19.91%

7.20%

7.85%

13.92%

10.10%

-2.19%

11.13%

02/28/2023

VANG FTSE SOC IDX IS

Inception Date 01/14/2003

Stock Investments

Large Cap

-10.77%

10.71%

9.70%

12.71%

5.83%

-1.50%

6.18%

02/28/2023

MFS MID CAP VALUE R4

Inception Date 08/31/2001

Stock Investments

Mid-Cap

-2.19%

13.85%

8.95%

10.33%

9.06%

0.12%

-4.30%

02/28/2023

MM MID CAP GRTH I

Inception Date 05/31/2000

Stock Investments

Mid-Cap

-8.35%

8.07%

7.74%

11.64%

9.32%

0.65%

3.03%

02/28/2023

GS SM CAP VALUE INST

Inception Date 10/22/1992

Stock Investments

Small Cap

-6.06%

11.11%

5.00%

8.55%

10.04%

-0.68%

-3.40%

02/28/2023

TRP QM US SMCP GR I

Inception Date 06/30/1997

Stock Investments

Small Cap

-5.15%

8.41%

7.25%

11.03%

7.86%

2.28%

2.78%

02/28/2023

AF EUROPAC GRTH R4

Inception Date 04/16/1984

Stock Investments

International

-8.79%

4.36%

1.80%

5.20%

9.77%

1.29%

5.48%

02/28/2023

TRP INTL DISCOVERY

Inception Date 12/30/1988

Stock Investments

International

-13.84%

5.32%

1.94%

7.49%

9.47%

3.81%

2.67%

02/28/2023

COHEN & STEERS RLTY

Inception Date 07/02/1991

Stock Investments

Specialty

-11.18%

4.74%

8.85%

7.70%

10.87%

-1.26%

-2.91%

02/28/2023

FID BALANCED K

Inception Date 11/06/1986

Blended Investments*

N/A

-9.05%

8.76%

7.84%

9.08%

9.16%

-0.36%

5.32%

02/28/2023

VANG TOT BD MKT IDX

Inception Date 12/20/2022

Bond Investments

N/A

--

--

--

--

--

--

3.65%

LINCOLN FIXED ACCT

Inception Date 12/31/2015

Bond Investments

Stable Value

--

--

--

--

--

--

--

--

JPM CORE BOND R5

Inception Date 05/31/1991

Bond Investments

Income

-8.72%

-3.01%

1.00%

1.38%

5.18%

0.61%

4.02%

02/28/2023

METWEST TOT RTN BD P

Inception Date 03/31/1997

Bond Investments

Income

-11.28%

-3.65%

0.69%

1.35%

5.10%

0.05%

4.08%

02/28/2023

TCW/MW TOT RTN CIT

Inception Date 01/30/2015

Bond Investments

Income

-10.91%

-3.53%

0.73%

--

0.70%

0.38%

3.88%

02/28/2023

VANG ST BD IDX IS PL

Inception Date 03/01/1994

Bond Investments

Income

-4.03%

-1.34%

0.97%

0.92%

3.52%

-0.02%

2.31%

02/28/2023

FID GOVT MMKT

Inception Date 02/05/1990

7 day yield % as of 02/28/2023: 4.22 **

Short-Term Investments

N/A

1.97%

0.67%

1.08%

0.61%

2.55%

0.96%

0.94%

02/28/2023

BROKERAGE ACCESS

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Self-Directed Brokerage

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.

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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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