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UW 403(b) Supplemental Retirement Program
A 403(b) plan allows eligible employees to save on a tax-deferred or after tax Roth basis through salary deduction.
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.
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 |
|||
|
DODGE & COX STOCK X
Inception Date 01/04/1965 |
Stock Investments |
Large Cap |
23.75% |
8.82% |
15.17% |
11.09% |
11.28% |
6.64% |
13.68% |
08/31/2024 |
|
TRP LARGE-CAP GRTH I
Inception Date 10/31/2001 |
Stock Investments |
Large Cap |
33.02% |
5.40% |
16.89% |
15.69% |
11.94% |
7.35% |
22.77% |
08/31/2024 |
|
VANG FTSE SOC IDX IS
Inception Date 01/14/2003 |
Stock Investments |
Large Cap |
27.95% |
7.74% |
15.95% |
13.44% |
7.20% |
7.73% |
18.91% |
08/31/2024 |
|
VANG INST INDEX PLUS
Inception Date 07/31/1990 |
Stock Investments |
Large Cap |
27.11% |
9.35% |
15.90% |
12.97% |
10.69% |
7.39% |
19.11% |
08/31/2024 |
|
VANG TOT STK MKT IS
Inception Date 04/27/1992 |
Stock Investments |
Large Cap |
26.20% |
7.71% |
15.12% |
12.31% |
10.52% |
7.31% |
17.65% |
08/31/2024 |
|
BOSTON TR SMID CAP
Inception Date 11/30/2011 |
Stock Investments |
Mid-Cap |
16.03% |
4.95% |
10.82% |
10.07% |
11.10% |
6.71% |
8.58% |
08/31/2024 |
|
VANG EXT MKT IDX INS
Inception Date 12/21/1987 |
Stock Investments |
Mid-Cap |
20.42% |
-0.66% |
10.66% |
8.91% |
10.66% |
6.34% |
8.54% |
08/31/2024 |
|
GS GQG INTL OPPS R6
Inception Date 12/15/2016 |
Stock Investments |
International |
31.49% |
8.18% |
12.79% |
-- |
13.45% |
2.42% |
17.47% |
08/31/2024 |
|
VAN EM MKT ST IDX IS
Inception Date 05/04/1994 |
Stock Investments |
International |
14.35% |
-1.77% |
5.26% |
2.74% |
6.02% |
4.36% |
8.70% |
08/31/2024 |
|
VANG DEV MKT IDX IS
Inception Date 08/17/1999 |
Stock Investments |
International |
18.83% |
3.27% |
8.75% |
5.39% |
4.83% |
4.40% |
9.22% |
08/31/2024 |
|
VANG TOT INTL STK IS
Inception Date 04/29/1996 |
Stock Investments |
International |
17.76% |
1.97% |
7.80% |
4.64% |
5.04% |
4.42% |
9.16% |
08/31/2024 |
|
PIF REAL EST SEC R6
Inception Date 12/06/2000 |
Stock Investments |
Specialty |
20.25% |
0.68% |
5.49% |
7.67% |
10.33% |
14.83% |
15.01% |
08/31/2024 |
NYL GUAR INT ACCOUNT
|
Bond Investments |
Stable Value |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|
BAIRD CORE PLUS INST
Inception Date 09/29/2000 |
Bond Investments |
Income |
8.58% |
-1.40% |
0.85% |
2.36% |
4.83% |
4.75% |
5.61% |
08/31/2024 |
|
VAN ST INF PS IDX IS
Inception Date 10/17/2012 |
Bond Investments |
Income |
6.25% |
2.19% |
3.33% |
2.20% |
1.87% |
2.09% |
4.58% |
08/31/2024 |
|
VANG TOT BD MKT INST
Inception Date 12/11/1986 |
Bond Investments |
Income |
7.23% |
-2.15% |
-0.06% |
1.62% |
5.18% |
4.67% |
4.88% |
08/31/2024 |
|
VANG CR FED MM ADM
Inception Date 10/03/1989 7 day yield** % as of 08/31/2024: 5.26 null |
Short-Term Investments |
Other |
5.44% |
3.41% |
2.28% |
1.68% |
3.01% |
1.34% |
3.78% |
08/31/2024 |
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 |
|||
|
VANG TARGET RET 2020
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
13.06% |
1.51% |
5.84% |
5.60% |
6.12% |
4.78% |
8.30% |
08/31/2024 |
|
VANG TARGET RET 2025
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
15.25% |
2.12% |
6.95% |
6.31% |
6.77% |
5.18% |
9.58% |
08/31/2024 |
|
VANG TARGET RET 2030
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
16.74% |
2.69% |
7.91% |
6.89% |
6.90% |
5.49% |
10.51% |
08/31/2024 |
|
VANG TARGET RET 2035
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
17.98% |
3.26% |
8.84% |
7.44% |
7.63% |
5.66% |
11.30% |
08/31/2024 |
|
VANG TARGET RET 2040
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
19.14% |
3.81% |
9.76% |
7.97% |
7.63% |
5.75% |
12.01% |
08/31/2024 |
|
VANG TARGET RET 2045
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
20.24% |
4.33% |
10.68% |
8.44% |
8.35% |
5.86% |
12.72% |
08/31/2024 |
|
VANG TARGET RET 2050
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
21.12% |
4.72% |
10.98% |
8.59% |
8.00% |
5.97% |
13.21% |
08/31/2024 |
|
VANG TARGET RET 2055
Inception Date 08/18/2010 |
Blended Investments* |
N/A |
21.14% |
4.73% |
10.97% |
8.57% |
10.30% |
5.97% |
13.23% |
08/31/2024 |
|
VANG TARGET RET 2060
Inception Date 01/19/2012 |
Blended Investments* |
N/A |
21.16% |
4.74% |
10.98% |
8.57% |
10.12% |
5.97% |
13.22% |
08/31/2024 |
|
VANG TARGET RET 2065
Inception Date 07/12/2017 |
Blended Investments* |
N/A |
21.16% |
4.76% |
10.97% |
-- |
9.60% |
5.96% |
13.26% |
08/31/2024 |
|
VANG TARGET RET 2070
Inception Date 06/28/2022 |
Blended Investments* |
N/A |
21.20% |
-- |
-- |
-- |
16.08% |
5.97% |
13.21% |
08/31/2024 |
|
VANG TARGET RET INC
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
11.63% |
1.07% |
4.19% |
4.20% |
5.03% |
4.48% |
7.36% |
08/31/2024 |
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.
Learn the plan basics - including eligibility - of your University of Wisconsin TSA 403(b) Plan. You can also go directly to the TSA website at: http://www.uwsa.edu/ohrwd/benefits/ret/tsa for more information.
Eligible employees can enroll at any time. To enroll, click on the orange Enroll Now button above.
Your enrollment becomes effective once you submit your Salary Reduction Agreement to the UW to indicate how much you'd like to contribute, also known as the deferral. Submit your SRA to the UW at least two weeks before the next pay date. You will generally begin to see your contributions deducted from your paycheck in the next pay period, or as soon as administratively possible. The Salary reduction Agreement can be found at the following link: http://www.uwsa.edu/ohrwd/benefits/ret/tsa/sra
You can contribute between 1% and 100% of your eligible pay on a pretax or after tax Roth basis, as a percentage or flat dollar amount up to the annual IRS dollar limits.
The basic maximum annual contribution limit for 2021 is $19,500. Certain special provisions may allow you to contribute more than this amount.
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 1% and as much as 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.
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.
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'.
You are generally allowed to withdraw money from your plan when you leave your employer, retire, reach age 59˝, or become permanently disabled. 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.
Note: The taxable portion of your withdrawal that is eligible for rollover into an individual retirement account (IRA) or another employer's retirement plan is subject to 20% mandatory federal income tax withholding, unless it is directly rolled over to an IRA or another employer plan. (You may owe more or less when you file your income taxes.) If you are under age 55, the taxable portion of your withdrawal is also subject to a 10% early withdrawal penalty, unless you qualify for an exception to this rule. The plan document and current tax laws and regulations will govern in case of a discrepancy. Be sure you understand the tax consequences and your plan's rules for distributions before you initiate a distribution. You may want to consult your tax advisor about your situation.
Although your plan account is intended for the future, you may borrow from your account for any reason. Generally, the University of Wisconsin 403(b) Tax Sheltered Annuity Program allows you to borrow up to 50% of your vested account balance.
The minimum loan amount is $1,000, and a loan must not exceed $50,000. Any outstanding loan balances over 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 after-tax payroll deductions.
You may have two loans outstanding at a time. The cost to initiate a loan is $35.00, and there is a quarterly maintenance fee of $3.75. 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. Be sure you understand the Plan guidelines before you initiate a loan from your plan account.
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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