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Utah State University
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

Utah State University 403(b) Plan

A 403(b) plan allows eligible employees to save on a tax-deferred basis through salary deduction.

  • Enrolling is fast and easy: Simply select the Register Now button on the right.
  • To learn more before you enroll, see Investment Options & Plan Basics below.
Enroll Now
  • Plan Basics

  • Investment Options

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.

TARGET DATE FUNDS

Explore Your Investment Options - 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 500 INDEX

Inception Date 02/17/1988

Stock Investments

Large Cap

56.34%

16.77%

16.28%

13.90%

10.85%

6.18%

10.30%

03/31/2021

FID MID CAP IDX

Inception Date 09/08/2011

Stock Investments

Mid-Cap

73.59%

14.74%

14.67%

--

14.63%

8.15%

11.88%

03/31/2021

FID EMRG MKTS IDX

Inception Date 09/08/2011

Stock Investments

International

59.12%

6.18%

12.07%

--

4.95%

2.83%

3.77%

03/31/2021

FID INTL INDEX

Inception Date 11/05/1997

Stock Investments

International

45.39%

6.02%

9.05%

5.67%

5.29%

3.46%

6.65%

03/31/2021

FID FREEDOM 2005 K

Inception Date 11/06/2003

Blended Investments*

N/A

16.99%

6.48%

6.76%

5.30%

5.22%

0.00%

1.07%

03/31/2021

FID FREEDOM 2010 K

Inception Date 10/17/1996

Blended Investments*

N/A

22.11%

7.49%

7.91%

6.24%

6.65%

0.74%

2.09%

03/31/2021

FID FREEDOM 2015 K

Inception Date 11/06/2003

Blended Investments*

N/A

27.45%

8.44%

9.02%

6.86%

6.40%

1.48%

3.12%

03/31/2021

FID FREEDOM 2020 K

Inception Date 10/17/1996

Blended Investments*

N/A

32.66%

9.36%

9.94%

7.40%

7.16%

2.22%

4.08%

03/31/2021

FID FREEDOM 2025 K

Inception Date 11/06/2003

Blended Investments*

N/A

36.74%

10.01%

10.67%

8.01%

7.17%

2.72%

4.80%

03/31/2021

FID FREEDOM 2030 K

Inception Date 10/17/1996

Blended Investments*

N/A

42.20%

10.81%

11.96%

8.70%

7.50%

3.32%

5.66%

03/31/2021

FID FREEDOM 2035 K

Inception Date 11/06/2003

Blended Investments*

N/A

51.80%

12.01%

13.29%

9.43%

7.94%

4.71%

7.55%

03/31/2021

FID FREEDOM 2040 K

Inception Date 09/06/2000

Blended Investments*

N/A

57.77%

12.78%

13.81%

9.71%

5.42%

5.70%

8.85%

03/31/2021

FID FREEDOM 2045 K

Inception Date 06/01/2006

Blended Investments*

N/A

57.85%

12.79%

13.81%

9.73%

7.51%

5.81%

8.86%

03/31/2021

FID FREEDOM 2050 K

Inception Date 06/01/2006

Blended Investments*

N/A

57.78%

12.80%

13.82%

9.70%

7.38%

5.76%

8.79%

03/31/2021

FID FREEDOM 2055 K

Inception Date 06/01/2011

Blended Investments*

N/A

57.70%

12.77%

13.81%

--

9.99%

5.72%

8.80%

03/31/2021

FID FREEDOM 2060 K

Inception Date 08/05/2014

Blended Investments*

N/A

57.77%

12.79%

13.79%

--

10.57%

5.76%

8.81%

03/31/2021

FID FREEDOM 2065 K

Inception Date 06/28/2019

Blended Investments*

N/A

57.72%

--

--

--

19.39%

5.73%

8.79%

03/31/2021

FID FREEDOM INC K

Inception Date 10/17/1996

Blended Investments*

N/A

14.02%

5.91%

5.76%

4.47%

4.95%

-0.34%

0.62%

03/31/2021

FID INFL PR BD IDX

Inception Date 05/16/2012

Bond Investments

Income

7.18%

5.61%

3.79%

--

2.20%

-1.54%

-0.99%

03/31/2021

FID US BOND IDX

Inception Date 03/08/1990

Bond Investments

Income

0.37%

4.66%

3.05%

3.42%

5.79%

-3.48%

-2.86%

03/31/2021

FID GOVT MMKT

Inception Date 02/05/1990

7 day yield** % as of 03/31/2021 : .01

7 day restated yield*** % as of 03/31/2021 : -.24

Short-Term Investments

N/A

0.01%

1.11%

0.82%

0.42%

2.65%

0.00%

0.00%

03/31/2021

CORE FUNDS

Explore Your Investment Options - shows details. Click to open.

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

AF GRTH FUND AMER R6

Inception Date 11/30/1973

Stock Investments

Large Cap

66.90%

19.89%

20.17%

15.34%

14.14%

2.54%

7.21%

03/31/2021

FID CONTRAFUND K

Inception Date 05/17/1967

Stock Investments

Large Cap

57.43%

18.92%

19.25%

15.24%

12.93%

2.48%

7.41%

03/31/2021

VANG WINDSOR II ADM

Inception Date 06/24/1985

Stock Investments

Large Cap

69.25%

15.77%

14.80%

12.24%

11.13%

11.31%

14.86%

03/31/2021

FID LOW PRICED STK K

Inception Date 12/27/1989

Stock Investments

Mid-Cap

73.08%

12.25%

12.75%

11.49%

13.62%

13.84%

16.59%

03/31/2021

FID MID CAP STOCK K

Inception Date 03/29/1994

Stock Investments

Mid-Cap

79.26%

14.63%

15.06%

12.09%

11.88%

14.90%

17.94%

03/31/2021

MFS MID CAP GRTH R6

Inception Date 12/01/1993

Stock Investments

Mid-Cap

57.87%

20.63%

19.79%

14.70%

9.43%

-2.40%

2.07%

03/31/2021

WF SPL MID CP VAL IS

Inception Date 04/08/2005

Stock Investments

Mid-Cap

68.20%

11.59%

12.07%

11.79%

12.09%

11.16%

14.40%

03/31/2021

CBA SM CAP GR I

Inception Date 07/01/1998

Stock Investments

Small Cap

96.88%

22.90%

23.46%

15.43%

12.45%

4.34%

7.95%

03/31/2021

FID SMALL CAP VALUE

Inception Date 11/03/2004

Stock Investments

Small Cap

100.11%

12.25%

12.85%

11.55%

11.28%

22.18%

25.31%

03/31/2021

JPM SM CAP CORE R5

Inception Date 12/31/1996

Stock Investments

Small Cap

102.97%

13.09%

15.96%

12.15%

8.44%

16.19%

17.10%

03/31/2021

VANG SM CAP IDX ADM

Inception Date 10/03/1960

Stock Investments

Small Cap

87.72%

14.97%

15.60%

12.15%

10.94%

10.22%

12.98%

03/31/2021

FID DIVERSIFD INTL K

Inception Date 12/27/1991

Stock Investments

International

47.42%

10.07%

10.54%

7.24%

8.60%

-0.06%

3.40%

03/31/2021

FID EMERGING MKTS K

Inception Date 11/01/1990

Stock Investments

International

67.18%

13.83%

17.28%

6.87%

6.47%

1.90%

3.57%

03/31/2021

FID INTL SMALL CAP

Inception Date 09/18/2002

Stock Investments

International

64.16%

6.28%

11.12%

8.71%

12.92%

7.35%

10.61%

03/31/2021

VANG GLOBAL EQ INV

Inception Date 08/14/1995

Stock Investments

International

63.63%

14.43%

15.48%

10.96%

9.67%

5.10%

8.78%

03/31/2021

FID REAL ESTATE INVS

Inception Date 11/17/1986

Stock Investments

Specialty

29.27%

8.63%

4.76%

8.47%

9.80%

7.71%

10.63%

03/31/2021

VANG WELLINGTON ADM

Inception Date 07/01/1929

Blended Investments*

N/A

32.95%

11.45%

11.19%

9.89%

8.36%

3.55%

6.35%

03/31/2021

FID STRAT DIV & INC

Inception Date 12/23/2003

Blended Investments*

Large Cap

41.40%

12.29%

10.91%

10.23%

8.16%

5.37%

7.37%

03/31/2021

EV INC FUND BOSTON I

Inception Date 06/15/1972

Bond Investments

N/A

20.59%

5.76%

6.37%

5.79%

8.47%

0.87%

1.61%

03/31/2021

METLIFE FIXED-NEW

Inception Date 01/31/1993

Bond Investments

Stable Value

--

--

--

--

--

--

--

--

METLIFE FIXED-OLD

Inception Date 05/31/1993

Bond Investments

Stable Value

--

--

--

--

--

--

--

--

FID NEW MARKETS INC

Inception Date 05/04/1993

Bond Investments

Income

16.93%

1.25%

4.39%

4.97%

9.51%

-4.11%

-2.84%

03/31/2021

FID TOTAL BOND

Inception Date 10/15/2002

Bond Investments

Income

6.98%

5.52%

4.40%

4.20%

4.92%

-2.68%

-1.98%

03/31/2021

MANAGED ACCOUNT

Explore Your Investment Options - shows details. Click to open.

A managed account is designed for people who prefer to have Fidelity manage their money for them, so they can focus on other aspects of their life.

Your employer gives you the opportunity to have a team of Fidelity professionals propose an investment strategy aligned to your personal goals and situation. Fidelity® Personalized Planning & Advice* monitor your investments, and make adjustments as your life and the world around you changes-helping to keep you on track to retirement. This service provides discretionary money management for a fee and you may cancel at any time with no cancellation fee.

Learn more and get a free review of your portfolio by speaking with a Fidelity representative at 866-811-6041.

*Fidelity® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC. Both are registered investment advisers and Fidelity Investments companies and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work.
This service provides advisory services for a fee.

BROKERAGELINK

Explore Your Investment Options - shows details. Click to open.

Are you interested in investing in options beyond what your plan offers?

A self-directed brokerage account allows you to make investments outside of 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 Fidelity BrokerageLink® Central to 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.

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. You must complete a Utah State University Salary Reduction Agreement to complete your enrollment. You can enroll in either the standard 403(b) traditional plan or the USU ROTH 403(b) plan. Please visit the Forms & Documents tab under Tools & Resources to obtain your forms.

Your enrollment becomes effective once you indicate how much you'd like to contribute, 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.

Contributions - shows details. Click to open.

Employee contributions are withheld from payroll checks on a pre-tax basis, up to the IRS basic annual limit ($19,500 in 2021). The contribution amount can be increased, decreased or stopped at any time, with no limit to the number of times a participant can change the contribution amount each year.

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 $15 and as much as 75% 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.

For information about a Roth conversion, please call a Fidelity Retirement Planner at 1-800-343-0860.

"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 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 account balance.

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 $75, 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 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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Next Steps

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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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