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Utah State University 403(b) Plan
A 403(b) plan allows eligible employees to save on a tax-deferred 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 |
|||
|
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 |
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 |
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.
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.
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
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.
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.
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.
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
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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 59˝, a 10% early withdrawal tax penalty.
For more information, call the Fidelity Retirement Services Center at 1-800-343-0860.
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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.
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.
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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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