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University System of Maryland
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

University System of Maryland Supplemental 457(b) Plan

The Plan offers a variety of benefits and investment options to help you save for your future.

  • Enrolling is fast and easy.
  • To learn more before you enroll, see Investment Options & Plan Basics below.
  • Plan Basics

  • Investment Options

Choose from the list of investments below.

Investment Options

Explore All - shows details. Click to open.

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

0.04%

12.36%

9.51%

11.48%

10.34%

-4.32%

-3.49%

02/28/2023

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 BLUE CHIP GR K

Inception Date 12/31/1987

Stock Investments

Large Cap

-19.22%

12.20%

11.81%

15.31%

11.88%

1.09%

15.47%

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

VANG FTSE SOC IDX IS

Inception Date 01/14/2003

Stock Investments

Large Cap

-10.77%

10.71%

9.70%

12.71%

5.83%

-1.50%

6.18%

02/28/2023

FID MID CAP STOCK K

Inception Date 03/29/1994

Stock Investments

Mid-Cap

-0.61%

15.47%

10.58%

11.65%

11.40%

-0.31%

-3.20%

02/28/2023

DFA US SMALL CAP I

Inception Date 03/19/1992

Stock Investments

Small Cap

-0.54%

16.22%

8.00%

10.21%

10.19%

1.66%

-0.46%

02/28/2023

FID SM CAP IDX

Inception Date 09/08/2011

Stock Investments

Small Cap

-5.82%

10.16%

6.11%

9.23%

10.77%

1.00%

-1.11%

02/28/2023

FID DIVERSFD INTL K6

Inception Date 05/25/2017

Stock Investments

International

-8.10%

5.63%

3.82%

--

4.74%

1.90%

5.03%

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

VICTORY RS GLOBAL R6

Inception Date 05/16/2011

Stock Investments

International

-7.30%

10.20%

8.51%

10.60%

9.74%

0.29%

4.98%

02/28/2023

FID BALANCED K

Inception Date 11/06/1986

Blended Investments*

N/A

-9.05%

8.76%

7.84%

9.08%

9.16%

-0.36%

5.32%

02/28/2023

FID FDM IDX 2005 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-7.31%

0.48%

2.43%

3.44%

4.32%

-0.08%

3.27%

02/28/2023

FID FDM IDX 2010 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-7.92%

1.26%

2.87%

4.16%

5.15%

-0.23%

3.42%

02/28/2023

FID FDM IDX 2015 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-8.63%

2.04%

3.30%

4.73%

5.62%

-0.35%

3.55%

02/28/2023

FID FDM IDX 2020 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-9.34%

2.75%

3.67%

5.21%

6.18%

-0.46%

3.76%

02/28/2023

FID FDM IDX 2025 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-9.42%

3.43%

4.05%

5.84%

6.84%

-0.46%

3.83%

02/28/2023

FID FDM IDX 2030 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-9.08%

4.44%

4.58%

6.62%

7.49%

-0.41%

3.81%

02/28/2023

FID FDM IDX 2035 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-8.85%

6.20%

5.37%

7.52%

8.26%

-0.43%

3.74%

02/28/2023

FID FDM IDX 2040 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-8.61%

7.42%

5.95%

7.87%

8.55%

-0.41%

3.64%

02/28/2023

FID FDM IDX 2045 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-8.52%

7.45%

5.96%

7.91%

8.61%

-0.36%

3.66%

02/28/2023

FID FDM IDX 2050 IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-8.52%

7.45%

5.96%

7.92%

8.64%

-0.41%

3.65%

02/28/2023

FID FDM IDX 2055 IPR

Inception Date 06/01/2011

Blended Investments*

N/A

-8.48%

7.43%

5.97%

7.99%

7.56%

-0.35%

3.64%

02/28/2023

FID FDM IDX 2060 IPR

Inception Date 08/05/2014

Blended Investments*

N/A

-8.54%

7.43%

5.97%

--

7.05%

-0.37%

3.64%

02/28/2023

FID FDM IDX 2065 IPR

Inception Date 06/28/2019

Blended Investments*

N/A

-8.54%

7.43%

--

--

6.22%

-0.43%

3.60%

02/28/2023

FID FDM IDX INC IPR

Inception Date 10/02/2009

Blended Investments*

N/A

-7.11%

-0.03%

2.13%

2.62%

3.16%

-0.17%

3.13%

02/28/2023

FID INFL PR BD IDX

Inception Date 05/16/2012

Bond Investments

Income

-10.51%

0.21%

2.50%

1.16%

1.34%

-0.60%

3.33%

02/28/2023

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

WA CORE BOND I

Inception Date 09/04/1990

Bond Investments

Income

-11.82%

-4.20%

0.21%

1.47%

5.66%

0.37%

3.26%

02/28/2023

VANG TREASURY MM

Inception Date 12/14/1992

7 day yield % as of 02/28/2023: 4.56 **

Short-Term Investments

N/A

2.21%

0.81%

1.28%

0.77%

2.29%

1.03%

1.03%

02/28/2023

Explore Plan Basics

Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.

Enrollment - shows details. Click to open.

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.

Contributions - shows details. Click to open.

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. Click here to view the current year's contribution limit.

Vesting - shows details. Click to open.

You are always 100% vested in your own contributions to the University System of Maryland Supplemental 457(b) Plan.

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.

Withdrawals from the Plan are generally permitted upon termination of employment, retirement, permanent disability, death, or an unforeseeable emergency as defined by your Plan. Keep in mind that withdrawals are subject to income taxes and possibly to early withdrawal penalties. If you are under age 59½, the taxable portion of your withdrawal is also subject to a 10% early withdrawal penalty, unless you qualify for an exception to this rule.

Any assets distributed from your governmental 457(b) plan will be taxed as ordinary income in the year withdrawn; if you are under age 59 1/2 at the time of the distribution, a 10% early withdrawal penalty may apply to any amounts which were rolled into the plan from an IRA or a plan other than another governmental 457(b) plan. If the distribution is eligible to be rolled over, but is not directly rolled over to an eligible plan or IRA, 20% mandatory withholding of federal income tax applies. Federal income tax will not be withheld if an eligible plan-to-plan transfer is made to another employer's 457(b) plan that accepts the transfer. Be sure you understand the federal and state tax consequences of any distribution before you initiate one. You may want to consult your tax adviser about your situation.

Loans - shows details. Click to open.

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.

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 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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