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University System of Maryland Supplemental 403(b) Plan
The Plan offers a variety of benefits and investment options to help you save for your future.
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 |
|||
|
COL DIVIDEND INC I3
Inception Date 03/04/1998 |
Stock Investments |
Large Cap |
10.67% |
11.27% |
9.81% |
11.42% |
10.38% |
7.38% |
1.77% |
08/31/2023 |
|
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
Large Cap |
21.61% |
10.14% |
9.90% |
11.90% |
10.40% |
-3.27% |
13.07% |
09/30/2023 |
|
FID BLUE CHIP GR K
Inception Date 12/31/1987 |
Stock Investments |
Large Cap |
33.36% |
6.09% |
13.27% |
15.48% |
12.28% |
-2.76% |
35.31% |
09/30/2023 |
|
FID CONTRAFUND K
Inception Date 05/17/1967 |
Stock Investments |
Large Cap |
29.96% |
6.56% |
10.08% |
12.83% |
12.50% |
-0.13% |
25.10% |
09/30/2023 |
|
VANG FTSE SOC IDX IS
Inception Date 01/14/2003 |
Stock Investments |
Large Cap |
16.71% |
8.61% |
11.16% |
13.24% |
6.38% |
8.14% |
16.42% |
08/31/2023 |
|
FID MID CAP STOCK K
Inception Date 03/29/1994 |
Stock Investments |
Mid-Cap |
11.67% |
13.90% |
8.16% |
9.52% |
11.08% |
-2.41% |
1.79% |
09/30/2023 |
|
DFA US SMALL CAP I
Inception Date 03/19/1992 |
Stock Investments |
Small Cap |
9.25% |
14.98% |
5.37% |
8.98% |
10.06% |
10.53% |
3.49% |
08/31/2023 |
|
FID SM CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Small Cap |
9.11% |
7.23% |
2.49% |
6.81% |
9.76% |
-5.09% |
2.69% |
09/30/2023 |
|
FID DIVERSFD INTL K6
Inception Date 05/25/2017 |
Stock Investments |
International |
22.36% |
1.09% |
4.28% |
-- |
4.49% |
-6.37% |
6.56% |
09/30/2023 |
|
FID GLB EX US IDX
Inception Date 09/08/2011 |
Stock Investments |
International |
20.89% |
3.61% |
2.61% |
3.36% |
4.54% |
-4.28% |
5.10% |
09/30/2023 |
|
VICTORY RS GLOBAL R6
Inception Date 05/16/2011 |
Stock Investments |
International |
19.15% |
9.02% |
9.80% |
11.19% |
10.42% |
7.28% |
13.60% |
08/31/2023 |
|
FID BALANCED K
Inception Date 11/06/1986 |
Blended Investments* |
N/A |
16.40% |
6.17% |
7.92% |
8.88% |
9.20% |
-2.80% |
10.76% |
09/30/2023 |
|
FID FDM IDX 2005 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
5.20% |
-0.94% |
2.17% |
3.26% |
4.18% |
-2.33% |
2.06% |
09/30/2023 |
|
FID FDM IDX 2010 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
6.62% |
-0.39% |
2.57% |
3.91% |
4.99% |
-2.85% |
2.58% |
09/30/2023 |
|
FID FDM IDX 2015 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
8.05% |
0.18% |
2.97% |
4.46% |
5.45% |
-3.27% |
3.13% |
09/30/2023 |
|
FID FDM IDX 2020 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
9.56% |
0.70% |
3.33% |
4.92% |
6.01% |
-3.69% |
3.70% |
09/30/2023 |
|
FID FDM IDX 2025 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
10.79% |
1.28% |
3.69% |
5.45% |
6.66% |
-4.00% |
4.24% |
09/30/2023 |
|
FID FDM IDX 2030 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
12.08% |
2.20% |
4.20% |
6.22% |
7.31% |
-3.98% |
4.98% |
09/30/2023 |
|
FID FDM IDX 2035 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
14.94% |
3.92% |
5.05% |
7.08% |
8.12% |
-3.91% |
6.42% |
09/30/2023 |
|
FID FDM IDX 2040 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
17.62% |
5.19% |
5.77% |
7.49% |
8.46% |
-4.00% |
7.75% |
09/30/2023 |
|
FID FDM IDX 2045 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
18.05% |
5.27% |
5.81% |
7.53% |
8.52% |
-4.06% |
8.00% |
09/30/2023 |
|
FID FDM IDX 2050 IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
18.07% |
5.26% |
5.82% |
7.53% |
8.56% |
-4.05% |
8.04% |
09/30/2023 |
|
FID FDM IDX 2055 IPR
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
18.01% |
5.26% |
5.81% |
7.55% |
7.52% |
-4.11% |
7.98% |
09/30/2023 |
|
FID FDM IDX 2060 IPR
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
18.10% |
5.25% |
5.81% |
-- |
7.03% |
-4.07% |
8.03% |
09/30/2023 |
|
FID FDM IDX 2065 IPR
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
18.08% |
5.24% |
-- |
-- |
6.28% |
-4.08% |
7.95% |
09/30/2023 |
|
FID FDM IDX INC IPR
Inception Date 10/02/2009 |
Blended Investments* |
N/A |
4.91% |
-1.31% |
1.94% |
2.59% |
3.07% |
-2.37% |
1.85% |
09/30/2023 |
|
FID INFL PR BD IDX
Inception Date 05/16/2012 |
Bond Investments |
Income |
1.22% |
-2.04% |
2.04% |
1.68% |
1.15% |
-2.67% |
-0.69% |
09/30/2023 |
|
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
0.64% |
-5.21% |
0.11% |
1.10% |
4.94% |
-3.16% |
-1.02% |
09/30/2023 |
|
WA CORE BOND I
Inception Date 09/04/1990 |
Bond Investments |
Income |
-1.83% |
-5.57% |
0.01% |
1.81% |
5.58% |
-1.09% |
-1.87% |
08/31/2023 |
|
VANG TREASURY MM
Inception Date 12/14/1992 7 day yield % as of 08/31/2023: 5.20 ** |
Short-Term Investments |
N/A |
4.31% |
1.58% |
1.60% |
1.02% |
2.33% |
1.29% |
3.63% |
08/31/2023 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
1. Select a vendor. Upon selecting the State of Maryland Optional Retirement Plan (ORP), please contact your institution's Benefits Office to complete the required paperwork to select your vendor of choice. Once you have completed the paperwork making your vendor selection, if you have selected Fidelity Investments, the Benefits Office will notify Fidelity to set up your account.
2. Once your account has been established and you can see your employer contribution to Fidelity on your first paycheck, use the Fidelity website to access your account and set up your password. Simply log on to www.fidelity.com/atwork, which will direct you to Fidelity NetBenefits® or you can call the Fidelity Retirement Representatives at 1-800-343-0860. When you first contact Fidelity, you will need to set up a password. If you are already a Fidelity customer, then you may use your existing password. And then you'll be able to make your investment elections.
3. Next step is to review your plan's investment options, see how they align with your investment approach, and make your investment elections. Your State of Maryland Optional Retirement Plan offers a variety of investment options.
Through automatic payroll deduction, you may contribute up to 100% of your eligible pay on a pretax basis, up to the annual IRS dollar limits. limits. Click here to view the current year's contribution limit.
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
You are always 100% vested in your own contributions to the University System of Maryland Supplemental 403(b) Plan.
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 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.
Although your plan account is intended for the future, you may borrow from your account for any reason.
To learn more about or request a loan, log on to www.netbenefits.com/atwork or call the Fidelity Retirement Service Representatives at 1-800-343-0860.
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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