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University of Cincinnati Alternative Retirement Plan (401a)
Employees of Ohio public colleges and universities do not participate in the federal Social Security system other than contributions to Medicare. From your initial date of hire, you are assigned one of the Ohio state retirement systems. Based on your job classification you are covered by either the State Teachers Retirement System (STRS, for faculty positions) or the Ohio Public Employees Retirement System (OPERS, for non-faculty positions).
The Alternative Retirement Plan (ARP) is an alternative to OPERS/STRS for eligible faculty and staff. In order to be eligible to participate in the ARP, your appointment must be 100% FTE. (You must work full-time.) The ARP provides a retirement investment program that provides you with a cash account when you leave the University of Cincinnati. The account is portable as you are immediately vested in your contributions and the university's contributions to your account.
Choose from the list of investments below.
Below is a performance summary of all the investments in your plan. Click an investment to view quarter-end returns, risks, fees and expenses.
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 |
-7.71% |
12.14% |
9.81% |
12.24% |
10.31% |
-2.29% |
3.85% |
02/28/2023 |
|
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 |
|
JPM EQUITY INCOME R6
Inception Date 07/02/1987 |
Stock Investments |
Large Cap |
-1.02% |
12.47% |
9.07% |
11.19% |
9.29% |
-4.57% |
-5.76% |
02/28/2023 |
|
AM CENT MD CP VAL R6
Inception Date 03/31/2004 |
Stock Investments |
Mid-Cap |
2.27% |
13.40% |
8.08% |
10.93% |
10.14% |
0.23% |
-2.46% |
02/28/2023 |
|
CHAMPLAIN MDCAP INST
Inception Date 06/30/2008 |
Stock Investments |
Mid-Cap |
-12.15% |
10.84% |
9.69% |
12.30% |
11.23% |
2.03% |
0.91% |
02/28/2023 |
|
FID EXTD MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Mid-Cap |
-10.77% |
9.20% |
6.81% |
9.72% |
7.98% |
1.91% |
0.97% |
02/28/2023 |
|
AS SPL SM CAP VAL R6
Inception Date 05/07/1993 |
Stock Investments |
Small Cap |
-2.30% |
12.63% |
7.13% |
10.31% |
10.79% |
3.58% |
-0.84% |
02/28/2023 |
|
PIF SMCP GRTH I R6
Inception Date 12/06/2000 |
Stock Investments |
Small Cap |
-10.08% |
7.56% |
7.83% |
11.00% |
6.92% |
2.08% |
2.47% |
02/28/2023 |
|
AF NEW WORLD R6
Inception Date 06/17/1999 |
Stock Investments |
International |
-9.56% |
5.00% |
3.34% |
5.20% |
7.48% |
0.45% |
3.31% |
02/28/2023 |
|
CB INTL GRTH IS
Inception Date 04/17/1995 |
Stock Investments |
International |
-4.98% |
5.21% |
4.30% |
7.67% |
6.67% |
1.18% |
6.28% |
02/28/2023 |
|
FID GLB EX US IDX
Inception Date 09/08/2011 |
Stock Investments |
International |
-7.03% |
4.97% |
1.76% |
3.96% |
4.68% |
1.49% |
3.43% |
02/28/2023 |
|
VAN REAL EST IDX ADM
Inception Date 05/13/1996 |
Stock Investments |
Specialty |
-13.26% |
2.99% |
7.07% |
6.32% |
9.25% |
-1.35% |
-3.48% |
02/28/2023 |
|
AF TRGT DATE 2010 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-5.91% |
3.76% |
3.99% |
5.26% |
4.68% |
-0.96% |
1.48% |
02/28/2023 |
|
AF TRGT DATE 2015 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-6.48% |
4.07% |
4.20% |
5.73% |
4.94% |
-1.00% |
1.59% |
02/28/2023 |
|
AF TRGT DATE 2020 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-6.77% |
4.28% |
4.35% |
6.27% |
5.21% |
-0.95% |
1.72% |
02/28/2023 |
|
AF TRGT DATE 2025 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-7.22% |
5.13% |
4.81% |
7.17% |
5.84% |
-0.78% |
2.14% |
02/28/2023 |
|
AF TRGT DATE 2030 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-7.53% |
6.00% |
5.25% |
7.97% |
6.41% |
-0.63% |
2.54% |
02/28/2023 |
|
AF TRGT DATE 2035 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-7.64% |
7.42% |
6.05% |
8.74% |
6.86% |
-0.50% |
2.64% |
02/28/2023 |
|
AF TRGT DATE 2040 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-7.66% |
8.04% |
6.37% |
9.06% |
7.07% |
-0.41% |
2.81% |
02/28/2023 |
|
AF TRGT DATE 2045 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-7.83% |
8.12% |
6.40% |
9.15% |
7.12% |
-0.46% |
2.88% |
02/28/2023 |
|
AF TRGT DATE 2050 R6
Inception Date 02/01/2007 |
Blended Investments* |
N/A |
-8.07% |
8.03% |
6.34% |
9.16% |
7.11% |
-0.30% |
3.08% |
02/28/2023 |
|
AF TRGT DATE 2055 R6
Inception Date 02/01/2010 |
Blended Investments* |
N/A |
-8.35% |
7.80% |
6.20% |
9.07% |
9.57% |
-0.23% |
3.25% |
02/28/2023 |
|
AF TRGT DATE 2060 R6
Inception Date 03/27/2015 |
Blended Investments* |
N/A |
-8.44% |
7.74% |
6.15% |
-- |
7.68% |
-0.22% |
3.34% |
02/28/2023 |
|
CALVERT BALANCED R6
Inception Date 10/21/1982 |
Blended Investments* |
N/A |
-8.29% |
5.67% |
6.58% |
7.20% |
7.59% |
-1.90% |
2.71% |
02/28/2023 |
NYL GUAR INT ACCOUNT
|
Bond Investments |
N/A |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
-9.68% |
-3.77% |
0.51% |
1.08% |
5.08% |
-0.10% |
3.50% |
02/28/2023 |
|
PGIM HIGH YIELD R6
Inception Date 01/22/1990 |
Bond Investments |
Income |
-6.82% |
1.03% |
3.08% |
4.36% |
7.60% |
1.17% |
1.83% |
02/28/2023 |
|
VANG INFL PROT ADM
Inception Date 06/29/2000 |
Bond Investments |
Income |
-10.35% |
0.26% |
2.47% |
1.12% |
4.60% |
-0.68% |
3.24% |
02/28/2023 |
|
WA CORE PLS BOND IS
Inception Date 07/08/1998 |
Bond Investments |
Income |
-13.42% |
-4.91% |
-0.06% |
1.66% |
4.77% |
-0.03% |
2.78% |
02/28/2023 |
|
VANG VMMR-FED MMKT
Inception Date 07/13/1981 7 day yield % as of 02/28/2023: 4.52 ** |
Short-Term Investments |
N/A |
2.27% |
0.82% |
1.28% |
0.78% |
3.88% |
1.05% |
1.04% |
02/28/2023 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
If you are a full-time (100% full-time equivalent) employee, you can elect to change from the applicable state retirement system (STRS or OPERS) to the Alternative Retirement Plan (ARP). Within 120 days of your eligible appointment date you must complete a Retirement Program Election form to make your choice between the ARP or remain with your assigned state retirement system (OPERS or STRS). During this election period, your retirement funds are deposited with OPERS or STRS and will stay with OPERS or STRS unless you elect the ARP. This decision will impact your retirement income and cannot be changed while you are employed at the University. Your election is irrevocable.
Upon choosing to participant in the ARP Plan, you will generally begin to see contributions deducted from your paycheck in the next pay period, or as soon as administratively possible. There is no deferral election necessary. Mandatory deferral rates for the Plan are set by the state of Ohio.
All plan participants may choose a retirement service provider (AXA-Equitable, Fidelity Investments, TIAA or VOYA) online by logging in at the top of this website. You can also call 800-343-0860 to choose a provider.
Investment elections are made through your chosen retirement service provider.
Access to your account is available on line or by phone through your chosen service provider (AXA-Equitable, Fidelity, TIAA or VOYA). All retirement service provider elections are made through Fidelity Investments. Investment elections, and other account transactions are made through your chosen service provider.
Please use the access points below to access your account through the various service providers.
AXA-Equitable: equitable.com/login or call 513-762-7750 from 7:30 a.m. to 4:30 p.m.
Fidelity Investments: login to Fidelity NetBenefits® through this website or call 800-343-0860 from 8:30 a.m. to midnight weekdays.
TIAA: TIAA.org or call 800-842-2252 weekdays, 8 a.m. to 10 p.m. and Saturday, 9 a.m. to 6 p.m. (ET).
Voya: VoyaRetirementPlans.com or call 800-584-6001 M-F from 8:00 a.m. until 9:00 p.m. except NYSE holidays.
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.
All beneficiary elections are made with your chosen retirement service provider.
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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| Fidelity | 800-343-0860 |
| TIAA | 800-842-2252 |
| AXA-Equitable | 513-762-7750 |
| Voya | 800-584-6001 |
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Meeting with a licensed financial professional can help you feel better about your finances - offered by your employer at no additional cost to you.
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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