To view this fund's performance and other information, log in to NetBenefits.
The University of South Florida 403(b) Plan
A 403(b) plan allows eligible employees to save on a pre-tax or after-tax/Roth basis through salary deduction.
View your investment options on the TIAA website or see the options below for Fidelity.
Below is a performance summary of all the investments in your plan available through Fidelity. Click on an investment to view quarter-end returns, risks, fees and expenses.
To view a performance summary of all the investments in your plan available through TIAA, click here.
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 |
22.66% |
8.05% |
13.18% |
12.40% |
10.74% |
4.28% |
7.98% |
04/30/2024 |
FID GROWTH CO K6
Inception Date 06/13/2019 |
Stock Investments |
Large Cap |
38.97% |
6.88% |
-- |
-- |
21.46% |
7.20% |
14.03% |
04/30/2024 |
FID US SUSTN IDX
Inception Date 05/09/2017 |
Stock Investments |
Large Cap |
26.08% |
8.67% |
13.86% |
-- |
13.79% |
4.37% |
8.33% |
04/30/2024 |
MFS VALUE R6
Inception Date 01/02/1996 |
Stock Investments |
Large Cap |
19.56% |
8.65% |
10.84% |
9.57% |
10.23% |
8.84% |
5.29% |
03/31/2024 |
CRLN E MID CAP GR R6
Inception Date 08/20/1998 |
Stock Investments |
Mid-Cap |
23.27% |
3.46% |
12.05% |
11.62% |
11.98% |
9.54% |
4.09% |
03/31/2024 |
FID MID CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Mid-Cap |
16.34% |
2.41% |
9.06% |
9.40% |
11.94% |
4.20% |
4.27% |
04/30/2024 |
JPM MID CAP VALUE R6
Inception Date 11/13/1997 |
Stock Investments |
Mid-Cap |
21.87% |
8.05% |
10.09% |
8.81% |
11.76% |
9.36% |
4.34% |
03/31/2024 |
AS SPL SM CAP VAL R6
Inception Date 05/07/1993 |
Stock Investments |
Small Cap |
23.88% |
5.86% |
10.28% |
8.67% |
10.97% |
7.27% |
2.93% |
03/31/2024 |
FID SM CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Small Cap |
13.45% |
-3.08% |
5.93% |
7.37% |
10.24% |
1.74% |
0.88% |
04/30/2024 |
FID SMALL CAP GR K6
Inception Date 05/25/2017 |
Stock Investments |
Small Cap |
20.92% |
-0.90% |
10.08% |
-- |
12.04% |
6.63% |
9.29% |
04/30/2024 |
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
International |
13.49% |
-0.16% |
6.91% |
5.58% |
10.11% |
7.44% |
6.20% |
03/31/2024 |
FID EMERGING MKTS K
Inception Date 11/01/1990 |
Stock Investments |
International |
11.12% |
-5.57% |
5.37% |
5.98% |
5.38% |
6.44% |
6.40% |
04/30/2024 |
FID TOTAL INTL IDX
Inception Date 06/07/2016 |
Stock Investments |
International |
8.44% |
-0.01% |
4.97% |
-- |
6.00% |
3.79% |
4.41% |
04/30/2024 |
PIF REAL EST SEC R6
Inception Date 12/06/2000 |
Stock Investments |
Specialty |
7.86% |
2.87% |
4.75% |
7.41% |
9.95% |
-1.79% |
-6.79% |
03/31/2024 |
FID FDM IDX 2005 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
3.29% |
-0.69% |
2.65% |
3.37% |
4.40% |
-0.71% |
0.40% |
04/30/2024 |
FID FDM IDX 2010 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
4.31% |
-0.52% |
3.28% |
4.02% |
5.25% |
-0.39% |
0.86% |
04/30/2024 |
FID FDM IDX 2015 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
5.31% |
-0.35% |
3.91% |
4.64% |
5.77% |
-0.07% |
1.28% |
04/30/2024 |
FID FDM IDX 2020 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
6.37% |
-0.20% |
4.50% |
5.16% |
6.38% |
0.26% |
1.74% |
04/30/2024 |
FID FDM IDX 2025 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
7.37% |
0.13% |
5.07% |
5.66% |
7.07% |
0.57% |
2.09% |
04/30/2024 |
FID FDM IDX 2030 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
8.69% |
0.67% |
5.83% |
6.46% |
7.76% |
1.01% |
2.64% |
04/30/2024 |
FID FDM IDX 2035 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
10.97% |
1.57% |
7.07% |
7.41% |
8.64% |
1.86% |
3.58% |
04/30/2024 |
FID FDM IDX 2040 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
13.40% |
2.48% |
8.14% |
7.96% |
9.07% |
2.75% |
4.68% |
04/30/2024 |
FID FDM IDX 2045 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
14.13% |
2.74% |
8.30% |
8.05% |
9.17% |
3.11% |
5.14% |
04/30/2024 |
FID FDM IDX 2050 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
14.10% |
2.74% |
8.31% |
8.05% |
9.20% |
3.11% |
5.13% |
04/30/2024 |
FID FDM IDX 2055 IPR
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
14.15% |
2.74% |
8.31% |
8.05% |
8.29% |
3.09% |
5.13% |
04/30/2024 |
FID FDM IDX 2060 IPR
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
14.13% |
2.74% |
8.31% |
-- |
8.08% |
3.09% |
5.13% |
04/30/2024 |
FID FDM IDX 2065 IPR
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
14.10% |
2.75% |
-- |
-- |
8.49% |
3.14% |
5.13% |
04/30/2024 |
FID FDM IDX INC IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
3.30% |
-0.65% |
2.40% |
2.84% |
3.34% |
-0.70% |
0.45% |
04/30/2024 |
LINCOLN STABLE VALUE
|
Bond Investments |
N/A |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
FID CAPITAL & INCOME
Inception Date 11/01/1977 |
Bond Investments |
Income |
10.91% |
3.08% |
6.18% |
6.04% |
9.34% |
2.17% |
3.84% |
04/30/2024 |
FID TOTAL BOND K6
Inception Date 05/25/2017 |
Bond Investments |
Income |
0.26% |
-2.46% |
1.05% |
-- |
1.45% |
-2.63% |
-1.42% |
04/30/2024 |
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
-1.44% |
-3.56% |
-0.16% |
1.18% |
4.95% |
-3.06% |
-1.98% |
04/30/2024 |
PIM GLB BD OP US$H I
Inception Date 10/02/1995 |
Bond Investments |
Income |
6.16% |
0.69% |
2.58% |
3.25% |
5.60% |
0.92% |
0.52% |
03/31/2024 |
VANG INFL PROT ADM
Inception Date 06/29/2000 |
Bond Investments |
Income |
0.22% |
-0.69% |
2.36% |
2.11% |
4.52% |
-0.07% |
-0.77% |
03/31/2024 |
FID GOVT MMKT K6
Inception Date 02/05/1990 7 day yield** % as of 04/30/2024: 5.13 null 7 day restated yield*** % as of 04/30/2024: 5.12 null |
Short-Term Investments |
N/A |
5.22% |
2.69% |
1.93% |
1.25% |
2.65% |
1.27% |
1.76% |
04/30/2024 |
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 |
||||||||||
AB GLOBAL BOND Z
Inception Date 03/27/1992 |
Bond Investments |
N/A |
4.22% |
-1.36% |
0.55% |
2.07% |
5.97% |
0.28% |
-0.81% |
03/31/2024 |
|||||||
BLKRK TOT RETURN K
Inception Date 12/07/2001 |
Bond Investments |
N/A |
1.74% |
-2.53% |
0.87% |
2.03% |
3.68% |
-0.37% |
-1.51% |
03/31/2024 |
|||||||
MS MK HY CORP BD R6
Inception Date 05/01/1986 |
Bond Investments |
N/A |
9.56% |
3.00% |
4.40% |
4.61% |
7.25% |
1.68% |
2.05% |
03/31/2024 |
|||||||
TIAA TRAD ANNUITY
Inception Date 06/01/2006 |
Bond Investments |
N/A |
To view more information about this investment option, visit TIAA. |
-- |
-- |
-- |
-- |
-- |
-- |
|
|||||||
VANG TOT BD MKT ADM
Inception Date 12/11/1986 |
Bond Investments |
N/A |
1.65% |
-2.42% |
0.37% |
1.51% |
5.10% |
-0.79% |
-2.01% |
03/31/2024 |
|||||||
CREF MONEY MARKET
7 day yield** % as of 03/28/2024: 0.05 null |
Blended Investments* |
N/A |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|||||||
CREF SOCIAL CHOICE
|
Blended Investments* |
N/A |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|||||||
TIAA LC INDX 2010
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
9.48% |
1.80% |
5.18% |
5.06% |
6.22% |
2.73% |
1.67% |
03/31/2024 |
|||||||
TIAA LC INDX 2015
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
10.55% |
2.12% |
5.67% |
5.47% |
6.68% |
3.12% |
1.94% |
03/31/2024 |
|||||||
TIAA LC INDX 2020
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
11.57% |
2.47% |
6.15% |
5.91% |
7.22% |
3.56% |
2.27% |
03/31/2024 |
|||||||
TIAA LC INDX 2025
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
12.82% |
2.97% |
6.87% |
6.49% |
7.86% |
4.03% |
2.67% |
03/31/2024 |
|||||||
TIAA LC INDX 2030
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
14.46% |
3.58% |
7.66% |
7.12% |
8.53% |
4.64% |
3.23% |
03/31/2024 |
|||||||
TIAA LC INDX 2035
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
16.47% |
4.36% |
8.55% |
7.77% |
9.21% |
5.39% |
3.85% |
03/31/2024 |
|||||||
TIAA LC INDX 2040
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
18.80% |
5.30% |
9.53% |
8.46% |
9.79% |
6.32% |
4.69% |
03/31/2024 |
|||||||
TIAA LC INDX 2045
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
20.33% |
5.88% |
10.30% |
8.93% |
10.12% |
6.94% |
5.27% |
03/31/2024 |
|||||||
TIAA LC INDX 2050
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
20.98% |
6.10% |
10.52% |
9.09% |
10.23% |
7.23% |
5.55% |
03/31/2024 |
|||||||
TIAA LC INDX 2055
Inception Date 04/29/2011 |
Blended Investments* |
N/A |
21.32% |
6.21% |
10.64% |
9.18% |
9.43% |
7.36% |
5.63% |
03/31/2024 |
|||||||
TIAA LC INDX 2060
Inception Date 09/26/2014 |
Blended Investments* |
N/A |
21.51% |
6.32% |
10.77% |
-- |
9.38% |
7.44% |
5.78% |
03/31/2024 |
|||||||
TIAA LC INDX RET INC
Inception Date 09/30/2009 |
Blended Investments* |
N/A |
10.21% |
1.98% |
5.32% |
5.05% |
5.97% |
3.02% |
1.86% |
03/31/2024 |
|||||||
VAN FTSE SOC IDX ADM
Inception Date 01/14/2003 |
Blended Investments* |
N/A |
32.23% |
10.33% |
15.21% |
13.31% |
6.96% |
10.19% |
7.36% |
03/31/2024 |
|||||||
CREF STOCK ACCT R3
Inception Date 04/24/2015 |
Stock Investments |
N/A |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|||||||
GS SM CAP VALUE R6
Inception Date 10/22/1992 |
Stock Investments |
N/A |
14.93% |
2.06% |
6.78% |
6.41% |
9.45% |
3.30% |
0.27% |
03/31/2024 |
|||||||
HARBOR CAP APP INST
Inception Date 12/29/1987 |
Stock Investments |
N/A |
47.78% |
9.23% |
17.13% |
15.53% |
12.53% |
13.72% |
10.32% |
03/31/2024 |
|||||||
INVS DEVELOP MKT R6
Inception Date 11/18/1996 |
Stock Investments |
N/A |
2.34% |
-7.62% |
0.72% |
2.29% |
9.65% |
2.15% |
3.19% |
03/31/2024 |
|||||||
JPM MIDCAP VALUE L
Inception Date 11/13/1997 |
Stock Investments |
N/A |
21.77% |
7.97% |
10.02% |
8.78% |
11.75% |
9.35% |
4.28% |
03/31/2024 |
|||||||
LOOMIS SM CP GRTH N
Inception Date 12/31/1996 |
Stock Investments |
N/A |
14.58% |
-0.39% |
8.48% |
8.96% |
7.67% |
6.78% |
3.37% |
03/31/2024 |
|||||||
TIAA REAL ESTATE
Inception Date 10/02/1995 |
Stock Investments |
N/A |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|||||||
VANG 500 INDEX ADM
Inception Date 08/31/1976 |
Stock Investments |
N/A |
29.83% |
11.44% |
15.01% |
12.92% |
11.44% |
10.54% |
7.97% |
03/31/2024 |
|||||||
VANG MIDCAP IDX ADM
Inception Date 05/21/1998 |
Stock Investments |
N/A |
20.44% |
5.71% |
10.93% |
9.88% |
10.00% |
7.86% |
4.09% |
03/31/2024 |
|||||||
VANG SM CAP IDX ADM
Inception Date 10/03/1960 |
Stock Investments |
N/A |
22.50% |
3.80% |
9.99% |
8.94% |
10.59% |
7.52% |
2.88% |
03/31/2024 |
|||||||
VANG TOT INTL STK AD
Inception Date 04/29/1996 |
Stock Investments |
N/A |
12.96% |
1.88% |
6.16% |
4.45% |
4.88% |
4.30% |
4.39% |
03/31/2024 |
|||||||
VANG VMMR-FED MMKT
Inception Date 07/13/1981 7 day yield** % as of 03/31/2024: 5.28 null |
Short-Term Investments |
N/A |
5.32% |
2.64% |
1.98% |
1.34% |
3.91% |
1.32% |
1.83% |
03/31/2024 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
Your enrollment becomes effective once you indicate how much you'd like to contribute from each paycheck, also known as the deferral. You will generally begin to see your contributions deducted from your paycheck in the next pay period, or as soon as administratively possible.
When you enroll in the Plan, you can also choose an investment service provider (Fidelity Investments or TIAA) and which investments you want your contributions directed to.
You have online access virtually 24/7 to make changes to your retirement savings account.
When you enroll, you will be asked to designate your beneficiary or beneficiaries who will inherit your account in the event of your death. You can update this information anytime by logging into NetBenefits through this website.
Decide how much of your salary you'd like to save in your University Voluntary 403(b) Savings Plan account. For help, use our calculator to determine the maximum amount of your salary you can contribute. Try now.
You can contribute 1%-100% of your pay to the Plan or choose a dollar amount from $1 up to a maximum of the annual IRS contribution limits. All contributions are withheld from each paycheck.
You can choose 100% of your contributions to one provider or split your contributions between providers. For example, you can elect to direct 50% to Fidelity and the other 50% to TIAA. Or you can elect any other split you prefer as long as the total equals 100%.
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 59½, become disabled, or died.
Through automatic payroll contributions, you can contribute 1 to 100% of your eligible pay as designated Roth contributions, of a dollar amount from $1 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.
If you have an account with Fidelity, login to Fidelity NetBenefits®, go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'.
TIAA: Call 1-800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
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 59½, a 10% early withdrawal tax penalty.
For more information, call the Fidelity Retirement Services Center at 1-800-343-0860.
If you have an account with TIAA, you can call 1-800-842-2252.
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 account balance.
The minimum loan amount is $1,000, and a loan must not exceed $50,000.
Please contact your investment service provider directly for more information on taking a loan from your Plan.
Fidelity: Call 1-800-343-0860 or log in to your account by entering your username and password at the top of the website.
TIAA: Call 1-800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
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 or TIAA representative today. They can explain each option in greater detail so you can make the best choice for your specific needs.
Fidelity: Call 1-800-343-0860 or log in to your account by entering your username and password at the top of this website.
TIAA: Call 1-800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
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.
TIAA: Call 1-800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
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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.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917