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University of Illinois
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

University of Illinois Supplemental 403(b) Retirement Plan

A 403(b) plan allows eligible employees to save on a tax-deferred and a Roth after-tax 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

    FID FDM IDX 2005 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -6.51%

    0.83%

    2.47%

    3.65%

    4.50%

    5.72%

    3.43%

    01/31/2023

    FID FDM IDX 2010 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -7.10%

    1.43%

    2.89%

    4.41%

    5.35%

    6.57%

    4.01%

    01/31/2023

    FID FDM IDX 2015 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -7.78%

    2.04%

    3.31%

    5.01%

    5.85%

    7.50%

    4.63%

    01/31/2023

    FID FDM IDX 2020 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -8.50%

    2.57%

    3.68%

    5.52%

    6.43%

    8.42%

    5.25%

    01/31/2023

    FID FDM IDX 2025 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -8.58%

    3.13%

    4.04%

    6.17%

    7.11%

    9.02%

    5.72%

    01/31/2023

    FID FDM IDX 2030 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -8.42%

    3.85%

    4.47%

    6.95%

    7.77%

    9.50%

    6.01%

    01/31/2023

    FID FDM IDX 2035 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -8.35%

    5.15%

    5.20%

    7.86%

    8.56%

    10.35%

    6.62%

    01/31/2023

    FID FDM IDX 2040 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -8.19%

    6.12%

    5.79%

    8.21%

    8.86%

    11.21%

    7.23%

    01/31/2023

    FID FDM IDX 2045 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -8.15%

    6.15%

    5.80%

    8.26%

    8.91%

    11.30%

    7.31%

    01/31/2023

    FID FDM IDX 2050 IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -8.14%

    6.15%

    5.82%

    8.27%

    8.95%

    11.33%

    7.35%

    01/31/2023

    FID FDM IDX 2055 IPR

    Inception Date 06/01/2011

    Blended Investments*

    N/A

    -8.10%

    6.15%

    5.82%

    8.33%

    7.90%

    11.35%

    7.33%

    01/31/2023

    FID FDM IDX 2060 IPR

    Inception Date 08/05/2014

    Blended Investments*

    N/A

    -8.13%

    6.14%

    5.82%

    --

    7.52%

    11.36%

    7.35%

    01/31/2023

    FID FDM IDX 2065 IPR

    Inception Date 06/28/2019

    Blended Investments*

    N/A

    -8.10%

    6.14%

    --

    --

    7.31%

    11.33%

    7.29%

    01/31/2023

    FID FDM IDX INC IPR

    Inception Date 10/02/2009

    Blended Investments*

    N/A

    -6.23%

    0.49%

    2.25%

    2.84%

    3.33%

    5.57%

    3.29%

    01/31/2023

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

    FID 500 INDEX

    Inception Date 02/17/1988

    Stock Investments

    Large Cap

    -8.23%

    9.87%

    9.53%

    12.67%

    10.42%

    5.75%

    6.28%

    01/31/2023

    FID LG CAP GR IDX

    Inception Date 06/07/2016

    Stock Investments

    Large Cap

    -16.02%

    9.86%

    11.18%

    --

    14.57%

    4.60%

    8.36%

    01/31/2023

    FID LG CAP VAL IDX

    Inception Date 06/07/2016

    Stock Investments

    Large Cap

    -0.51%

    8.51%

    6.92%

    --

    9.39%

    7.20%

    5.14%

    01/31/2023

    FID TOTAL MKT IDX

    Inception Date 11/05/1997

    Stock Investments

    Large Cap

    -8.39%

    9.38%

    9.00%

    12.20%

    8.04%

    6.01%

    6.98%

    01/31/2023

    FID SM CAP GR IDX

    Inception Date 07/11/2019

    Stock Investments

    Small Cap

    -6.23%

    4.34%

    --

    --

    5.29%

    4.69%

    10.07%

    01/31/2023

    FID SM CAP IDX

    Inception Date 09/08/2011

    Stock Investments

    Small Cap

    -3.17%

    7.59%

    5.63%

    9.53%

    11.01%

    5.14%

    9.82%

    01/31/2023

    FID SM CAP VAL IDX

    Inception Date 07/11/2019

    Stock Investments

    Small Cap

    -0.41%

    9.89%

    --

    --

    9.13%

    5.55%

    9.61%

    01/31/2023

    FID EMRG MKTS IDX

    Inception Date 09/08/2011

    Stock Investments

    International

    -12.98%

    1.64%

    -1.53%

    2.04%

    2.32%

    22.59%

    8.59%

    01/31/2023

    FID INTL INDEX

    Inception Date 11/05/1997

    Stock Investments

    International

    -3.28%

    4.80%

    2.39%

    5.14%

    4.91%

    21.14%

    8.50%

    01/31/2023

    HTFD INTL OPPS R6

    Inception Date 07/22/1996

    Stock Investments

    International

    -17.91%

    2.21%

    1.85%

    5.00%

    5.40%

    14.95%

    8.49%

    12/31/2022

    FID REAL ESTATE IDX

    Inception Date 09/08/2011

    Stock Investments

    Specialty

    -11.17%

    0.45%

    4.54%

    5.98%

    7.31%

    11.32%

    10.46%

    01/31/2023

    FID ST BOND IDX

    Inception Date 10/18/2017

    Bond Investments

    N/A

    -3.39%

    -0.63%

    1.12%

    --

    0.90%

    2.72%

    1.29%

    01/31/2023

    FID INFL PR BD IDX

    Inception Date 05/16/2012

    Bond Investments

    Income

    -8.32%

    1.02%

    2.58%

    1.31%

    1.48%

    2.68%

    2.00%

    01/31/2023

    FID INVST GR BD

    Inception Date 08/06/1971

    Bond Investments

    Income

    -8.46%

    -1.39%

    1.54%

    1.88%

    6.32%

    6.67%

    3.69%

    01/31/2023

    FID US BOND IDX

    Inception Date 03/08/1990

    Bond Investments

    Income

    -8.36%

    -2.37%

    0.84%

    1.39%

    5.17%

    6.36%

    3.18%

    01/31/2023

    PIMCO INCOME INST

    Inception Date 03/30/2007

    Bond Investments

    Income

    -7.81%

    0.02%

    1.69%

    4.00%

    6.62%

    3.41%

    3.41%

    12/31/2022

    VANG HI YLD CORP ADM

    Inception Date 12/27/1978

    Bond Investments

    Income

    -8.97%

    -0.15%

    2.31%

    3.75%

    7.77%

    4.88%

    3.39%

    12/31/2022

    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.

You are eligible to enroll in the plan immediately. To enroll, click Enroll Now above or call 1-800-343-0860. Your enrollment becomes effective once you indicate how much you'd like to contribute, also known as the deferral. Both pre-tax and Roth post-tax deferral options are available in this plan.

Once you have enrolled with Fidelity, you must complete and submit the University of Illinois Salary Reduction and/or Redirection Agreement (SRA) form in NESSIE. You will need to enter your Fidelity NetBenefits® confirmation number from Step 1 on the SRA form. You will be directed to Step 2 once you have completed Step 1, Fidelity enrollment. Complete the University's SRA Form

Contributions - shows details. Click to open.

Minimum Contribution
To participate in this plan you must contribute at least $200 each year.

Maximum Contribution
You can contribute between 1% and 80% of your eligible pay, up to the annual IRS dollar limits. If you will be at least age 50 during the year, or if you have been working for the University for at least 15 years and have contributed less than $5,000 a year, on average, to your retirement savings plan, you may be able to make additional "catch-up" contributions to your plan. See the catch-up contributions section of this page for more information.

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 after you have reached age 59˝, become disabled, or died.

Through automatic payroll contributions, you can contribute as little as $200 per year and as much as 80% 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.

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. 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.

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 vested pre-tax account balance. Loans are not available from Roth (post-tax) accounts.

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 one loan outstanding at a time. The cost to initiate a loan is $50, and there is a quarterly maintenance fee of $6.25. 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.

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

Fidelity Retirement Planners provide complimentary one-on-one guidance 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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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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