To view this fund's performance and other information, log in to NetBenefits.
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 FREEDOM 2005 K6
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
6.15% |
0.34% |
3.45% |
3.88% |
4.50% |
1.37% |
1.37% |
03/31/2024 |
FID FREEDOM 2010 K6
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
7.82% |
0.81% |
4.36% |
4.61% |
6.00% |
2.14% |
2.14% |
03/31/2024 |
FID FREEDOM 2015 K6
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
9.61% |
1.29% |
5.25% |
5.31% |
5.65% |
2.97% |
2.97% |
03/31/2024 |
FID FREEDOM 2020 K6
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
11.49% |
1.76% |
6.10% |
5.91% |
6.58% |
3.80% |
3.80% |
03/31/2024 |
FID FREEDOM 2025 K6
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
13.04% |
2.32% |
6.85% |
6.45% |
6.47% |
4.45% |
4.45% |
03/31/2024 |
FID FREEDOM 2030 K6
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
14.82% |
3.04% |
7.82% |
7.28% |
7.03% |
5.15% |
5.15% |
03/31/2024 |
FID FREEDOM 2035 K6
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
17.86% |
4.24% |
9.39% |
8.27% |
7.42% |
6.36% |
6.36% |
03/31/2024 |
FID FREEDOM 2040 K6
Inception Date 09/06/2000 |
Blended Investments* |
N/A |
21.22% |
5.47% |
10.63% |
8.88% |
5.45% |
7.86% |
7.86% |
03/31/2024 |
FID FREEDOM 2045 K6
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
22.19% |
5.77% |
10.84% |
8.98% |
7.25% |
8.33% |
8.33% |
03/31/2024 |
FID FREEDOM 2050 K6
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
22.20% |
5.78% |
10.85% |
8.98% |
7.14% |
8.37% |
8.37% |
03/31/2024 |
FID FREEDOM 2055 K6
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
22.25% |
5.80% |
10.84% |
8.99% |
9.04% |
8.36% |
8.36% |
03/31/2024 |
FID FREEDOM 2060 K6
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
22.23% |
5.80% |
10.83% |
-- |
9.12% |
8.40% |
8.40% |
03/31/2024 |
FID FREEDOM 2065 K6
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
22.20% |
5.79% |
-- |
-- |
10.67% |
8.39% |
8.39% |
03/31/2024 |
FID FREEDOM INC K6
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
6.11% |
0.37% |
3.12% |
3.36% |
4.44% |
1.43% |
1.43% |
03/31/2024 |
TRP SHORT TERM BD I
Inception Date 03/02/1984 |
Bond Investments |
Income |
4.91% |
0.20% |
1.78% |
1.53% |
4.49% |
1.63% |
0.97% |
02/29/2024 |
VANG LT INV GR ADM
Inception Date 07/09/1973 |
Bond Investments |
Income |
3.93% |
-6.33% |
0.86% |
2.90% |
7.46% |
3.47% |
-1.64% |
02/29/2024 |
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 |
|||
AC SUSTAINABLE EQ R6
Inception Date 11/30/2004 |
Stock Investments |
N/A |
29.78% |
11.29% |
14.97% |
12.35% |
10.73% |
12.82% |
11.05% |
02/29/2024 |
AM CENT SM CAP GR R6
Inception Date 06/01/2001 |
Stock Investments |
N/A |
11.98% |
-2.43% |
11.09% |
10.35% |
9.72% |
14.67% |
7.13% |
02/29/2024 |
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
Large Cap |
29.87% |
11.48% |
15.04% |
12.95% |
10.90% |
10.55% |
10.55% |
03/31/2024 |
FID BLUE CHIP GR K6
Inception Date 05/25/2017 |
Stock Investments |
Large Cap |
49.57% |
10.01% |
21.06% |
-- |
19.50% |
15.20% |
15.20% |
03/31/2024 |
FID TOTAL MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Large Cap |
29.41% |
9.66% |
14.25% |
12.27% |
8.74% |
10.05% |
10.05% |
03/31/2024 |
VANG WINDSOR II ADM
Inception Date 06/24/1985 |
Stock Investments |
Large Cap |
22.75% |
10.26% |
13.59% |
10.55% |
10.94% |
10.34% |
8.89% |
02/29/2024 |
FID LOW-PRICED ST K6
Inception Date 05/26/2017 |
Stock Investments |
Mid-Cap |
22.90% |
8.86% |
12.79% |
-- |
11.05% |
8.31% |
8.31% |
03/31/2024 |
FID MID CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Mid-Cap |
22.35% |
6.07% |
11.10% |
9.95% |
12.52% |
8.61% |
8.61% |
03/31/2024 |
MSIF DISCOVERY I
Inception Date 03/30/1990 |
Stock Investments |
Mid-Cap |
34.94% |
-23.88% |
5.97% |
7.11% |
11.72% |
21.67% |
7.66% |
02/29/2024 |
FID SM CAP IDX
Inception Date 09/08/2011 |
Stock Investments |
Small Cap |
19.83% |
-0.01% |
8.21% |
7.74% |
10.95% |
5.19% |
5.19% |
03/31/2024 |
FID SMALL CAP VALUE
Inception Date 11/03/2004 |
Stock Investments |
Small Cap |
22.89% |
7.13% |
12.75% |
9.35% |
10.63% |
6.37% |
6.37% |
03/31/2024 |
FID EMERGING MKTS K
Inception Date 11/01/1990 |
Stock Investments |
International |
11.94% |
-4.25% |
6.55% |
6.20% |
5.46% |
5.23% |
5.23% |
03/31/2024 |
FID GLB EX US IDX
Inception Date 09/08/2011 |
Stock Investments |
International |
13.08% |
1.97% |
6.02% |
4.29% |
5.53% |
4.69% |
4.69% |
03/31/2024 |
FID INTL CAP APPR K6
Inception Date 05/25/2017 |
Stock Investments |
International |
21.49% |
4.70% |
10.26% |
-- |
9.54% |
8.30% |
8.30% |
03/31/2024 |
FID WORLDWIDE
Inception Date 05/30/1990 |
Stock Investments |
International |
36.93% |
8.05% |
13.84% |
10.76% |
8.91% |
17.13% |
17.13% |
03/31/2024 |
HTFD S INTL STK SDR
Inception Date 12/20/1985 |
Stock Investments |
International |
13.60% |
2.21% |
9.33% |
6.17% |
7.57% |
7.83% |
4.92% |
02/29/2024 |
FID REAL ESTATE IDX
Inception Date 09/08/2011 |
Stock Investments |
Specialty |
8.65% |
1.79% |
1.63% |
5.18% |
6.63% |
-1.14% |
-1.14% |
03/31/2024 |
FID BALANCED K6
Inception Date 06/14/2019 |
Blended Investments* |
N/A |
21.40% |
6.86% |
-- |
-- |
12.05% |
7.14% |
7.14% |
03/31/2024 |
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 CORPORATE BOND
Inception Date 05/04/2010 |
Bond Investments |
Income |
5.08% |
-2.01% |
1.52% |
2.67% |
3.91% |
-0.01% |
-0.01% |
03/31/2024 |
FID INFL PR BD IDX
Inception Date 05/16/2012 |
Bond Investments |
Income |
0.25% |
-0.63% |
2.36% |
2.14% |
1.47% |
-0.08% |
-0.08% |
03/31/2024 |
FID INVST GR BD
Inception Date 08/06/1971 |
Bond Investments |
Income |
2.54% |
-2.05% |
1.15% |
2.01% |
6.22% |
-0.42% |
-0.42% |
03/31/2024 |
FID TOTAL BOND K6
Inception Date 05/25/2017 |
Bond Investments |
Income |
3.26% |
-1.40% |
1.58% |
-- |
1.81% |
-0.36% |
-0.36% |
03/31/2024 |
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
Income |
1.66% |
-2.49% |
0.33% |
1.52% |
5.04% |
-0.73% |
-0.73% |
03/31/2024 |
HTFD STRAT INC R6
Inception Date 05/31/2007 |
Bond Investments |
Income |
8.08% |
-0.63% |
3.45% |
3.60% |
4.33% |
4.75% |
2.41% |
02/29/2024 |
VANG TOT BD MKT ADM
Inception Date 12/11/1986 |
Bond Investments |
Income |
3.41% |
-3.14% |
0.60% |
1.42% |
5.09% |
2.04% |
-0.79% |
02/29/2024 |
FID GOVT MMRK PRM
Inception Date 02/05/1990 7 day yield % as of 02/29/2024: 5.06 ** 7 day restated yield % as of 02/29/2024: 4.99 *** |
Short-Term Investments |
N/A |
5.05% |
2.35% |
1.78% |
1.16% |
2.64% |
1.27% |
1.23% |
02/29/2024 |
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.
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For more information or to open a self-directed brokerage account, first enroll in your Fidelity workplace retirement savings plan. Then visit www.netbenefits.com > Quick Links > BrokerageLink where you can open an account or review additional information, including the commission schedule for applicable fees and risks.
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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.
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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 financial professional at 1-800-343-0860.
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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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