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Western Washington University
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

Western Washington University Voluntary Investment Program (VIP)

As a Western employee, you are eligible to participate in the VIP at any time regardless of whether you are enrolled in one of the basic Western retirement plans.

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.

  • Enrolling is fast and easy: Simply email hr.benefits@wwu.edu to request a VIP account. Once you receive confirmation, return to this website and select the Enroll Now button on the right or log in to your Fidelity account if you already have one.
  • To learn more before you enroll, see Investment Options & Plan Basics below.
Enroll Now
  • Plan Basics

  • Investment Options

Below is a performance summary of all the investments in your plan available through Fidelity. Click on 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.

TIER 1 - TARGET DATE FUNDS

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

These are products that can offer an easy-to-manage diversified portfolio in a single fund. They may contain many different asset classes, including stocks, bonds, and short-term investments. While different funds are arranged according to different asset allocations, what they all do is provide you with the opportunity to own a diversified portfolio with just one fund.

Depending on your retirement savings 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

VANG TARGET RET 2020

Inception Date 06/07/2006

Blended Fund Investments*

N/A

-14.15%

1.33%

3.22%

5.83%

5.52%

4.97%

4.65%

12/31/2022

VANG TARGET RET 2025

Inception Date 10/27/2003

Blended Fund Investments*

N/A

-15.55%

1.66%

3.58%

6.43%

6.13%

6.03%

5.40%

12/31/2022

VANG TARGET RET 2030

Inception Date 06/07/2006

Blended Fund Investments*

N/A

-16.27%

2.09%

3.94%

6.99%

6.02%

6.81%

5.87%

12/31/2022

VANG TARGET RET 2035

Inception Date 10/27/2003

Blended Fund Investments*

N/A

-16.62%

2.64%

4.34%

7.57%

6.83%

7.45%

6.20%

12/31/2022

VANG TARGET RET 2040

Inception Date 06/07/2006

Blended Fund Investments*

N/A

-16.98%

3.17%

4.74%

8.06%

6.59%

8.20%

6.53%

12/31/2022

VANG TARGET RET 2045

Inception Date 10/27/2003

Blended Fund Investments*

N/A

-17.36%

3.74%

5.14%

8.34%

7.40%

8.89%

6.88%

12/31/2022

VANG TARGET RET 2050

Inception Date 06/07/2006

Blended Fund Investments*

N/A

-17.46%

3.80%

5.18%

8.36%

6.79%

9.23%

7.06%

12/31/2022

VANG TARGET RET 2055

Inception Date 08/18/2010

Blended Fund Investments*

N/A

-17.46%

3.79%

5.18%

8.34%

8.97%

9.23%

7.07%

12/31/2022

VANG TARGET RET 2060

Inception Date 01/19/2012

Blended Fund Investments*

N/A

-17.46%

3.79%

5.18%

8.34%

8.59%

9.23%

7.06%

12/31/2022

VANG TARGET RET INC

Inception Date 10/27/2003

Blended Fund Investments*

N/A

-12.74%

0.34%

2.30%

3.62%

4.57%

3.74%

3.92%

12/31/2022

TIER 2 - CORE FUNDS

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

Core funds are designed to constitute the essential elements of your overall investment portfolio. Different fund companies define core funds differently, but typically these funds include several types of investments that are suitable for most investors, making it easier to get the investment exposure they want without buying a huge number of individual stocks, funds, or other securities.

You 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

HARBOR CAP APP INST

Inception Date 12/29/1987

Stock Investments

Large Cap

-37.72%

3.61%

7.97%

12.78%

11.21%

-1.49%

10.85%

12/31/2022

TRP LARGE-CAP VAL I

Inception Date 03/31/2000

Stock Investments

Large Cap

-4.76%

7.28%

7.23%

10.93%

8.26%

12.12%

5.45%

12/31/2022

VANG FTSE SOC IDX IS

Inception Date 01/14/2003

Stock Investments

Large Cap

-24.20%

5.91%

8.98%

12.98%

5.62%

5.16%

7.67%

12/31/2022

VANG INST INDEX PLUS

Inception Date 07/31/1990

Stock Investments

Large Cap

-18.13%

7.65%

9.41%

12.55%

9.87%

7.55%

6.28%

12/31/2022

VANG MD CP IDX IS PL

Inception Date 05/21/1998

Stock Investments

Mid-Cap

-18.69%

6.19%

7.34%

11.12%

9.57%

9.02%

7.95%

12/31/2022

DFA US TARGET VALUE

Inception Date 02/23/2000

Stock Investments

Small Cap

-4.62%

11.16%

7.04%

10.49%

10.78%

12.63%

9.20%

12/31/2022

LD ABBETT DEV GRTH I

Inception Date 10/10/1973

Stock Investments

Small Cap

-35.92%

2.65%

8.55%

11.07%

10.47%

-0.13%

8.39%

12/31/2022

VANG SM CP IDX IS PL

Inception Date 10/03/1960

Stock Investments

Small Cap

-17.60%

4.95%

5.96%

10.13%

10.37%

7.98%

10.14%

12/31/2022

AF EUROPAC GROWTH R6

Inception Date 04/16/1984

Stock Investments

International

-22.72%

-0.15%

1.54%

5.30%

9.83%

13.78%

9.08%

12/31/2022

DFA EMERG MKTS VALUE

Inception Date 04/01/1998

Stock Investments

International

-10.74%

1.02%

-0.09%

1.77%

8.52%

10.27%

6.73%

12/31/2022

VAN EM MKT ST IDX IS

Inception Date 05/04/1994

Stock Investments

International

-17.74%

-1.46%

-0.31%

1.59%

5.72%

8.22%

7.75%

12/31/2022

VANG DEV MKT IDX IS

Inception Date 08/17/1999

Stock Investments

International

-15.34%

1.33%

1.67%

4.93%

3.98%

17.10%

8.72%

12/31/2022

C&S INST REALTY SHS

Inception Date 02/14/2000

Stock Investments

Specialty

-24.73%

1.47%

5.94%

7.97%

10.69%

3.73%

10.50%

12/31/2022

PRINCIPAL FIXED ACCT

Inception Date 11/01/2014

Bond Investments

Stable Value

--

--

--

--

--

--

--

--

PIM INTL BOND UH I

Inception Date 04/30/2004

Bond Investments

Income

-18.63%

-5.27%

-2.59%

-1.09%

2.79%

8.25%

3.77%

12/31/2022

PIM REAL RETURN INST

Inception Date 01/29/1997

Bond Investments

Income

-11.86%

1.44%

2.12%

1.04%

5.17%

2.69%

1.77%

12/31/2022

PIM TOTAL RT INST

Inception Date 05/11/1987

Bond Investments

Income

-14.09%

-2.48%

0.03%

1.11%

6.27%

1.77%

3.43%

12/31/2022

VANG ST BOND IDX IS

Inception Date 03/01/1994

Bond Investments

Income

-5.52%

-0.71%

0.80%

0.91%

3.53%

1.07%

1.27%

12/31/2022

VANG TOT BD MK IS PL

Inception Date 12/11/1986

Bond Investments

Income

-13.14%

-2.73%

0.01%

1.03%

5.13%

1.67%

3.18%

12/31/2022

VANG CR FED MM ADM

Inception Date 10/03/1989

7 day yield % as of 12/31/2022: 4.23 **

Short Term Investments

Other

1.56%

0.72%

1.29%

0.83%

2.89%

0.88%

0.36%

12/31/2022

TIER 3 - ANNUITIES

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

Are you focused on building retirement savings or a retirement income stream?

Annuities are investment products issued by insurance companies that can help you save for retirement, generate a stream of income in retirement, or both. There are different types of annuities with different purposes.

Explore annuities from TIAA

TIER 4 - BROKERAGELINK

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

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

A self-directed brokerage account allows you to make investments beyond those offered in 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 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.

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.

As a Western employee, you are eligible to participate in the VIP at any time regardless of whether you are enrolled in one of the basic Western retirement plans.

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.

Each pay period, you can contribute as little as $15 and as much as 75% of your eligible pay, up to the annual IRS dollar limits.

Annual additions to the plan (which is the combined total of employee and employer contributions to defined contribution plans like the WWURP and VIP) may not exceed 100% of your pay or $66,000 for 2023 (whichever is less).

The maximum amount you can contribute to your VIP, based upon the retirement plan in which you are participating as a Western employee, is as follows:

PERS/TRS/LEOFF participants, or those with no retirement plan:
$20,500 - If you are under age 50
$27,000* - If you are age 50 or over.

Western Retirement Plan participants:
$20,500 - If you are under age 50
$27,000* minus your optional 2.5% WWURP contribution amount:
If you are age 50 or older, and contribute 10% of your gross income to the WWURP.
The compensation limit of $330,000 applies to the July 1, 2021 - June 30, 2023 plan year.

*The VIP maximum contribution amount shown above includes the Age 50 "Catch-Up Contribution" of $7,500 as described in the "Catch-Up Contributions" section below.

Contributions under other employer plans also count towards the limits as do certain individual plans. If you have contributed to a plan with another employer in the same tax year, please notify the Western Benefits Office immediately so that your limit can be evaluated.

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 financial professional 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 the VIP, 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.

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.

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.

If you have an account with TIAA, you can call 800-842-2252.

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.

Please contact your investment service provider directly for more information on taking a loan from your Plan. Fidelity: 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.

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.

Other Retirement Accounts - 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.

Fidelity: 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.

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 to NetBenefits® virtually 24/7 or call Fidelity at 800-343-0860 to speak with a representative or use the automated voice response system.

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.

Confidential Consultations - shows details. Click to open.

Now is a great time to schedule an appointment to discuss your goals for retirement.

For confidential consultations with Fidelity, call 800-343-0860 or go online.

For confidential consultations with TIAA, call 800-732-8353 or go online.

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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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