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Virginia Commonwealth University Health Systems Savings Plan 457(b)
This site has been designed to give you a general description of the main features of the Virginia Commonwealth University Health Systems Savings Plan 457(b). Please see the Plan Basics section below for more information.
Below is a performance summary of all the investments in your plan available through Fidelity. Click an investment to view quarter-end returns, risks, fees and expenses.
To view a performance summary of all the investments in your plan available through TIAA click here.
Below is a performance summary of all the investments in your plan available through Fidelity. 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 |
|||
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
Large Cap |
29.87% |
11.48% |
15.04% |
12.95% |
10.90% |
10.55% |
4.58% |
03/31/2024 |
FID CONTRAFUND K
Inception Date 05/17/1967 |
Stock Investments |
Large Cap |
47.51% |
12.77% |
17.25% |
14.75% |
12.93% |
17.99% |
12.72% |
03/31/2024 |
FID FUND K
Inception Date 04/30/1930 |
Stock Investments |
Large Cap |
36.08% |
12.43% |
17.14% |
13.40% |
10.41% |
13.65% |
7.42% |
03/31/2024 |
MFS VALUE R4
Inception Date 01/02/1996 |
Stock Investments |
Large Cap |
19.45% |
8.53% |
10.72% |
9.46% |
10.21% |
8.81% |
4.14% |
03/31/2024 |
CRLN E MID CAP GR I
Inception Date 08/20/1998 |
Stock Investments |
Mid-Cap |
23.16% |
3.37% |
11.96% |
11.52% |
12.02% |
9.51% |
0.99% |
03/31/2024 |
FID EXTD MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
Mid-Cap |
26.69% |
0.97% |
10.10% |
8.99% |
8.49% |
6.98% |
-1.28% |
03/31/2024 |
FID LOW PRICED STK K
Inception Date 12/27/1989 |
Stock Investments |
Mid-Cap |
22.58% |
8.57% |
12.66% |
9.49% |
13.16% |
8.34% |
3.27% |
03/31/2024 |
DLWR SM CAP VAL INST
Inception Date 06/24/1987 |
Stock Investments |
Small Cap |
18.26% |
4.53% |
8.85% |
7.33% |
10.81% |
6.17% |
-0.34% |
03/31/2024 |
LOOMIS SM CP GRTH N
Inception Date 12/31/1996 |
Stock Investments |
Small Cap |
14.58% |
-0.39% |
8.48% |
8.96% |
7.67% |
6.78% |
-0.90% |
03/31/2024 |
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
International |
13.49% |
-0.16% |
6.91% |
5.58% |
10.11% |
7.44% |
2.58% |
03/31/2024 |
FID INTL INDEX
Inception Date 11/05/1997 |
Stock Investments |
International |
15.25% |
4.96% |
7.49% |
4.94% |
5.25% |
5.79% |
0.73% |
03/31/2024 |
VAN EM MKT ST IDX IS
Inception Date 05/04/1994 |
Stock Investments |
International |
7.43% |
-3.73% |
2.86% |
3.24% |
5.85% |
1.90% |
-0.34% |
03/31/2024 |
VAN REAL EST IDX IS
Inception Date 05/13/1996 |
Stock Investments |
Specialty |
8.58% |
1.78% |
3.74% |
6.24% |
9.13% |
-1.16% |
-9.70% |
03/31/2024 |
FID FREEDOM 2005 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
6.00% |
0.27% |
3.39% |
3.83% |
4.48% |
1.36% |
-0.82% |
03/31/2024 |
FID FREEDOM 2010 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
7.64% |
0.71% |
4.27% |
4.55% |
5.98% |
2.06% |
-0.59% |
03/31/2024 |
FID FREEDOM 2015 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
9.42% |
1.19% |
5.15% |
5.24% |
5.62% |
2.87% |
-0.27% |
03/31/2024 |
FID FREEDOM 2020 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
11.26% |
1.63% |
5.97% |
5.82% |
6.54% |
3.71% |
0.07% |
03/31/2024 |
FID FREEDOM 2025 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
12.82% |
2.18% |
6.72% |
6.35% |
6.42% |
4.44% |
0.38% |
03/31/2024 |
FID FREEDOM 2030 K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
14.58% |
2.90% |
7.68% |
7.18% |
6.99% |
5.14% |
0.85% |
03/31/2024 |
FID FREEDOM 2035 K
Inception Date 11/06/2003 |
Blended Investments* |
N/A |
17.61% |
4.09% |
9.23% |
8.15% |
7.36% |
6.27% |
1.65% |
03/31/2024 |
FID FREEDOM 2040 K
Inception Date 09/06/2000 |
Blended Investments* |
N/A |
20.94% |
5.29% |
10.45% |
8.77% |
5.40% |
7.72% |
2.57% |
03/31/2024 |
FID FREEDOM 2045 K
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
22.03% |
5.63% |
10.67% |
8.88% |
7.19% |
8.37% |
2.99% |
03/31/2024 |
FID FREEDOM 2050 K
Inception Date 06/01/2006 |
Blended Investments* |
N/A |
22.08% |
5.62% |
10.68% |
8.88% |
7.08% |
8.35% |
2.95% |
03/31/2024 |
FID FREEDOM 2055 K
Inception Date 06/01/2011 |
Blended Investments* |
N/A |
22.05% |
5.64% |
10.67% |
8.88% |
8.95% |
8.35% |
2.97% |
03/31/2024 |
FID FREEDOM 2060 K
Inception Date 08/05/2014 |
Blended Investments* |
N/A |
21.98% |
5.62% |
10.68% |
-- |
9.00% |
8.31% |
2.93% |
03/31/2024 |
FID FREEDOM 2065 K
Inception Date 06/28/2019 |
Blended Investments* |
N/A |
22.02% |
5.63% |
-- |
-- |
10.51% |
8.32% |
2.94% |
03/31/2024 |
FID FREEDOM INC K
Inception Date 10/17/1996 |
Blended Investments* |
N/A |
5.93% |
0.26% |
3.05% |
3.31% |
4.42% |
1.40% |
-0.83% |
03/31/2024 |
AMCENT INFL ADJBD R6
Inception Date 02/10/1997 |
Bond Investments |
Income |
-0.37% |
-0.69% |
2.28% |
1.89% |
4.16% |
-0.10% |
-1.54% |
03/31/2024 |
PGIM TOTAL RTN BD R6
Inception Date 01/10/1995 |
Bond Investments |
Income |
4.61% |
-1.68% |
0.96% |
2.43% |
5.13% |
0.14% |
-2.13% |
03/31/2024 |
VANG TOT BD MKT INST
Inception Date 12/11/1986 |
Bond Investments |
Income |
1.67% |
-2.41% |
0.39% |
1.53% |
5.13% |
-0.79% |
-2.97% |
03/31/2024 |
FID GOVT MMKT K6
Inception Date 02/05/1990 7 day yield % as of 03/31/2024: 5.14 ** 7 day restated yield % as of 03/31/2024: 5.12 *** |
Short-Term Investments |
N/A |
5.18% |
2.54% |
1.88% |
1.21% |
2.65% |
1.29% |
1.56% |
03/31/2024 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
You are eligible to enroll in the plan immediately. To enroll, click on Enroll Now or call 800-343-0860.
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.
You can contribute between 1% and 85% of your eligible pay, up to the annual IRS dollar limits. Click here to view the current year's contribution limit.
A type of retirement savings contribution that allows people over 50 to make additional contributions to their 457(b) and/or individual retirement accounts. The catch-up contribution provision was created by the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA), so that older individuals would be able to set aside enough savings for retirement.
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 1% and as much as 85% 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 457(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 1-800-642-7131.
When you are "vested" in your savings, it effectively means the money is yours to keep. You are always 100% vested in all contributions you make to your plan, as well as any earnings on them.
Your beneficiary or beneficiaries will inherit your account in the event of your death. You should consider identifying a beneficiary when you enroll in the 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.
If you have an account with Fidelity, login to Fidelity NetBenefits®, go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
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.
Please contact your investment service provider directly for more information on taking a withdrawal from your Plan.
Fidelity Investments: Call 800-343-0860 or log in to your account by entering your username and password at the top of the website.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under "Your Account" and follow the prompts to the TIAA website.
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 or TIAA representative today. They can explain each option in greater detail so you can make the best choice for your specific needs.
Fidelity Investments: Call 800-343-0860 or Log in to your account by entering your username and password at the top of this website.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under "Your Account" and follow the prompts to the TIAA website.
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Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available, 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.
2Total 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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