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Optional Retirement Plan (ORP) - Plan #82501
One of your mandatory programs to which you make mandatory pretax contributions and receive employer contributions from the UT System. Upon hire, you choose between ORP and TRS (Teacher Retirement System).
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 |
|||
TRP EQUITY INCOME I
Inception Date 10/31/1985 |
Stock Investments |
N/A |
15.59% |
6.83% |
9.90% |
8.27% |
10.54% |
-0.73% |
9.84% |
06/30/2024 |
COL CONTRAN CORE I3
Inception Date 12/14/1992 |
Stock Investments |
Large Cap |
27.57% |
10.43% |
16.33% |
12.96% |
10.56% |
5.44% |
16.42% |
06/30/2024 |
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
Large Cap |
24.56% |
10.00% |
15.03% |
12.85% |
10.95% |
4.28% |
16.29% |
06/30/2024 |
FID CONTRAFUND K6
Inception Date 05/25/2017 |
Stock Investments |
Large Cap |
39.45% |
11.13% |
17.22% |
-- |
16.64% |
6.68% |
24.20% |
06/30/2024 |
FID FUND K
Inception Date 04/30/1930 |
Stock Investments |
Large Cap |
33.00% |
10.83% |
17.61% |
13.69% |
10.46% |
7.03% |
20.45% |
06/30/2024 |
MFS VALUE R6
Inception Date 01/02/1996 |
Stock Investments |
Large Cap |
13.01% |
5.93% |
9.29% |
8.97% |
10.06% |
-2.08% |
9.60% |
06/30/2024 |
MS W LARGE CAP GR R6
Inception Date 07/03/1995 |
Stock Investments |
Large Cap |
37.87% |
9.66% |
17.33% |
15.43% |
10.53% |
6.88% |
18.42% |
06/30/2024 |
TRP DIV GROWTH I
Inception Date 12/30/1992 |
Stock Investments |
Large Cap |
16.97% |
8.00% |
12.09% |
11.84% |
10.30% |
1.62% |
11.14% |
06/30/2024 |
FID EXTD MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Mid-Cap |
14.95% |
-2.46% |
8.69% |
8.26% |
8.26% |
-3.42% |
7.31% |
06/30/2024 |
FID LOW PRICED STK K
Inception Date 12/27/1989 |
Stock Investments |
Mid-Cap |
16.79% |
6.13% |
11.91% |
8.97% |
13.00% |
-1.91% |
9.02% |
06/30/2024 |
MSIF DISCOVERY R6
Inception Date 03/30/1990 |
Stock Investments |
Mid-Cap |
13.55% |
-23.73% |
2.56% |
7.67% |
11.53% |
-6.70% |
2.06% |
06/30/2024 |
VRTS C MDCP VL EQ R6
Inception Date 11/30/2001 |
Stock Investments |
Mid-Cap |
12.89% |
2.97% |
7.65% |
7.46% |
9.28% |
-3.58% |
8.90% |
06/30/2024 |
CRLN E SM CAP GR R6
Inception Date 05/07/1993 |
Stock Investments |
Small Cap |
12.81% |
-4.41% |
5.77% |
7.37% |
9.61% |
-1.34% |
9.99% |
06/30/2024 |
HEARTLAND VAL PLS IS
Inception Date 10/26/1993 |
Stock Investments |
Small Cap |
-4.23% |
-2.77% |
6.69% |
4.29% |
9.35% |
-7.32% |
0.00% |
06/30/2024 |
ROYCE SMALL-CAP INST
Inception Date 10/31/1972 |
Stock Investments |
Small Cap |
14.80% |
4.76% |
10.45% |
8.36% |
11.45% |
-1.83% |
9.12% |
06/30/2024 |
COL ACORN INTL I3
Inception Date 09/23/1992 |
Stock Investments |
International |
6.81% |
-5.66% |
2.81% |
2.85% |
8.82% |
0.49% |
2.65% |
06/30/2024 |
DFA EMERGING MARKETS
Inception Date 04/25/1994 |
Stock Investments |
International |
13.27% |
-1.89% |
4.68% |
3.48% |
6.40% |
4.94% |
7.96% |
06/30/2024 |
FID INTL DISCOV K6
Inception Date 06/13/2019 |
Stock Investments |
International |
15.80% |
-0.07% |
7.45% |
-- |
7.84% |
1.47% |
14.04% |
06/30/2024 |
FID INTL INDEX
Inception Date 11/05/1997 |
Stock Investments |
International |
11.37% |
3.07% |
6.65% |
4.47% |
5.19% |
-0.27% |
7.36% |
06/30/2024 |
INVS EQV INTL EQ R6
Inception Date 04/07/1992 |
Stock Investments |
International |
7.26% |
-0.41% |
5.12% |
4.01% |
7.07% |
-1.51% |
4.65% |
06/30/2024 |
OAKMARK INTL INST
Inception Date 09/30/1992 |
Stock Investments |
International |
-2.80% |
-2.47% |
4.12% |
2.84% |
8.39% |
-4.21% |
-0.75% |
06/30/2024 |
C&S INST REALTY SHS
Inception Date 02/14/2000 |
Stock Investments |
Specialty |
6.89% |
-0.13% |
5.30% |
7.19% |
10.55% |
0.66% |
5.20% |
06/30/2024 |
FID FREEDOM 2010 K6
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
7.61% |
-0.06% |
3.98% |
4.39% |
5.98% |
0.87% |
4.14% |
06/30/2024 |
FID FREEDOM 2015 K6
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
8.86% |
0.26% |
4.85% |
5.07% |
5.63% |
1.01% |
5.11% |
06/30/2024 |
FID FREEDOM 2020 K6
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
10.15% |
0.57% |
5.68% |
5.66% |
6.56% |
1.06% |
5.99% |
06/30/2024 |
FID FREEDOM 2025 K6
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
11.34% |
1.03% |
6.44% |
6.17% |
6.45% |
1.18% |
6.84% |
06/30/2024 |
FID FREEDOM 2030 K6
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
12.63% |
1.64% |
7.41% |
6.98% |
7.01% |
1.30% |
7.61% |
06/30/2024 |
FID FREEDOM 2035 K6
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
14.87% |
2.62% |
9.01% |
7.97% |
7.40% |
1.50% |
9.00% |
06/30/2024 |
FID FREEDOM 2040 K6
Inception Date 09/06/2000 |
Blended Investments* |
N/A |
17.41% |
3.76% |
10.33% |
8.62% |
5.47% |
1.84% |
10.81% |
06/30/2024 |
FID FREEDOM 2045 K6
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
18.34% |
4.15% |
10.57% |
8.74% |
7.26% |
1.98% |
11.47% |
06/30/2024 |
FID FREEDOM 2050 K6
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
18.22% |
4.11% |
10.55% |
8.73% |
7.15% |
1.90% |
11.50% |
06/30/2024 |
FID FREEDOM 2055 K6
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
18.24% |
4.12% |
10.56% |
8.74% |
9.02% |
1.93% |
11.45% |
06/30/2024 |
FID FREEDOM 2060 K6
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
18.24% |
4.14% |
10.56% |
-- |
9.09% |
1.92% |
11.48% |
06/30/2024 |
FID FREEDOM 2065 K6
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
18.21% |
4.12% |
10.52% |
-- |
10.52% |
1.88% |
11.44% |
06/30/2024 |
FID FREEDOM INC K6
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
6.45% |
-0.29% |
2.78% |
3.22% |
4.43% |
0.83% |
3.27% |
06/30/2024 |
OAKMARK EQ & INC IS
Inception Date 11/01/1995 |
Blended Investments* |
N/A |
11.01% |
3.18% |
8.24% |
6.63% |
9.58% |
-2.13% |
4.64% |
06/30/2024 |
AMCENT INFL ADJBD R6
Inception Date 02/10/1997 |
Bond Investments |
Income |
2.47% |
-1.48% |
1.91% |
1.63% |
4.15% |
0.91% |
1.69% |
06/30/2024 |
FID HIGH INCOME
Inception Date 08/29/1990 |
Bond Investments |
Income |
10.13% |
0.88% |
2.31% |
3.40% |
7.58% |
1.22% |
4.98% |
06/30/2024 |
FIDELITY GOVT INCOME
Inception Date 04/04/1979 |
Bond Investments |
Income |
1.58% |
-3.44% |
-0.89% |
0.66% |
5.99% |
0.16% |
0.20% |
06/30/2024 |
PIM TOTAL RT INST
Inception Date 05/11/1987 |
Bond Investments |
Income |
4.33% |
-2.79% |
0.20% |
1.60% |
6.19% |
0.38% |
1.82% |
06/30/2024 |
TMPL GLOBAL BOND R6
Inception Date 09/18/1986 |
Bond Investments |
Income |
-5.38% |
-4.81% |
-4.52% |
-1.49% |
5.57% |
-4.51% |
-7.77% |
06/30/2024 |
VANG TOT BD MKT INST
Inception Date 12/11/1986 |
Bond Investments |
Income |
2.77% |
-2.99% |
-0.19% |
1.35% |
5.10% |
0.18% |
0.51% |
06/30/2024 |
FIMM GOVT INST
Inception Date 07/25/1985 7 day yield % as of 06/30/2024: 5.25 ** 7 day restated yield % as of 06/30/2024: 5.23 *** |
Short-Term Investments |
N/A |
5.38% |
3.06% |
2.10% |
1.45% |
3.37% |
1.31% |
2.92% |
06/30/2024 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
Enroll with the UT System first at www.corebridgefinancial.com/rs/myretirementmanager/home.
If you need to enroll in a UT System Plan, you should first visit the UTRetirement Manager (UTRM) website at www.corebridgefinancial.com/rs/myretirementmanager/home. This site is your online enrollment and education website provided by the UT System. It is your place to start contributing to and managing your UT System Retirement Programs and is available 24 hours a day, 7 days a week.
Then, enroll with Fidelity Investments. If you have chosen Fidelity Investments as your provider, you can enroll with Fidelity online at https://nbacctopen.fidelity.com.
Does UT contribute to my account?
The UT System contributes a certain percentage of your total compensation to the ORP. Your mandatory ORP contribution (currently 6.65%) is deducted from your pay and the UT System's contribution (currently 8.5%) is sent directly to Fidelity and invested according to your instructions.
Employer matching contributions will be placed in a Fidelity Freedom Fund Class K®, based on your current age and assuming a retirement age of 65. You are able to allocate your employer matching contributions to other investments offered within the Plan at any time.
You are immediately 100% vested in your own contributions to the UT System Retirement Programs. You become vested in UT's contributions to the ORP after one year and one day of participation in the 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. 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.
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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