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Western Washington University Retirement Plan
The WWURP is a tax-deferred defined contribution plan that helps you save for retirement. Faculty, librarians, and academic and professional staff employed at least 40% in an eligible job class, with an appointment that is ongoing or with a fixed duration of at least five consecutive months, are eligible to participate in the WWURP until retirement or separation from employment with Western.
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.
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 Investments* |
N/A |
-0.57% |
3.73% |
4.13% |
5.59% |
5.67% |
2.43% |
5.48% |
05/31/2023 |
|
VANG TARGET RET 2025
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
-0.37% |
4.64% |
4.58% |
6.16% |
6.27% |
2.51% |
6.47% |
05/31/2023 |
|
VANG TARGET RET 2030
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
-0.16% |
5.62% |
5.00% |
6.66% |
6.21% |
2.63% |
7.17% |
05/31/2023 |
|
VANG TARGET RET 2035
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
0.04% |
6.68% |
5.45% |
7.18% |
7.00% |
2.70% |
7.75% |
05/31/2023 |
|
VANG TARGET RET 2040
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
0.24% |
7.71% |
5.88% |
7.64% |
6.80% |
2.73% |
8.35% |
05/31/2023 |
|
VANG TARGET RET 2045
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
0.43% |
8.78% |
6.34% |
7.96% |
7.59% |
2.79% |
8.94% |
05/31/2023 |
|
VANG TARGET RET 2050
Inception Date 06/07/2006 |
Blended Investments* |
N/A |
0.59% |
8.90% |
6.42% |
7.99% |
7.04% |
2.83% |
9.26% |
05/31/2023 |
|
VANG TARGET RET 2055
Inception Date 08/18/2010 |
Blended Investments* |
N/A |
0.58% |
8.90% |
6.41% |
7.97% |
9.23% |
2.81% |
9.27% |
05/31/2023 |
|
VANG TARGET RET 2060
Inception Date 01/19/2012 |
Blended Investments* |
N/A |
0.59% |
8.91% |
6.41% |
7.98% |
8.89% |
2.80% |
9.30% |
05/31/2023 |
|
VANG TARGET RET INC
Inception Date 10/27/2003 |
Blended Investments* |
N/A |
-0.75% |
1.68% |
3.13% |
3.80% |
4.68% |
2.31% |
4.47% |
05/31/2023 |
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 |
14.10% |
8.82% |
11.15% |
14.37% |
11.86% |
17.42% |
28.79% |
05/31/2023 |
|
TRP LARGE-CAP VAL I
Inception Date 03/31/2000 |
Stock Investments |
Large Cap |
-7.42% |
13.37% |
6.63% |
8.64% |
7.89% |
-5.65% |
-0.50% |
05/31/2023 |
|
VANG FTSE SOC IDX IS
Inception Date 01/14/2003 |
Stock Investments |
Large Cap |
4.13% |
11.98% |
11.14% |
12.48% |
6.09% |
7.51% |
15.12% |
05/31/2023 |
|
VANG INST INDEX PLUS
Inception Date 07/31/1990 |
Stock Investments |
Large Cap |
2.90% |
12.90% |
11.00% |
11.98% |
10.04% |
5.74% |
11.97% |
05/31/2023 |
|
VANG MD CP IDX IS PL
Inception Date 05/21/1998 |
Stock Investments |
Mid-Cap |
-4.96% |
9.70% |
7.07% |
9.44% |
9.42% |
-4.45% |
4.52% |
05/31/2023 |
|
DFA US TARGET VALUE
Inception Date 02/23/2000 |
Stock Investments |
Small Cap |
-6.64% |
21.67% |
5.34% |
8.17% |
10.37% |
-11.39% |
4.70% |
05/31/2023 |
|
LD ABBETT DEV GRTH I
Inception Date 10/10/1973 |
Stock Investments |
Small Cap |
1.27% |
1.88% |
6.02% |
9.72% |
10.54% |
0.08% |
11.75% |
05/31/2023 |
|
VANG SM CP IDX IS PL
Inception Date 10/03/1960 |
Stock Investments |
Small Cap |
-4.23% |
10.38% |
4.99% |
8.46% |
10.31% |
-6.62% |
7.20% |
05/31/2023 |
|
AF EUROPAC GROWTH R6
Inception Date 04/16/1984 |
Stock Investments |
International |
1.10% |
5.88% |
2.91% |
5.51% |
9.92% |
2.41% |
9.97% |
05/31/2023 |
|
DFA EMERG MKTS VALUE
Inception Date 04/01/1998 |
Stock Investments |
International |
-3.95% |
11.72% |
1.03% |
2.46% |
8.53% |
2.01% |
7.57% |
05/31/2023 |
|
VAN EM MKT ST IDX IS
Inception Date 05/04/1994 |
Stock Investments |
International |
-7.23% |
4.43% |
0.35% |
2.15% |
5.65% |
-0.58% |
3.92% |
05/31/2023 |
|
VANG DEV MKT IDX IS
Inception Date 08/17/1999 |
Stock Investments |
International |
0.88% |
8.66% |
3.19% |
4.92% |
4.19% |
1.36% |
9.05% |
05/31/2023 |
|
C&S INST REALTY SHS
Inception Date 02/14/2000 |
Stock Investments |
Specialty |
-12.52% |
7.23% |
6.45% |
7.17% |
10.51% |
-3.84% |
4.30% |
05/31/2023 |
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 |
-6.49% |
-4.04% |
-2.39% |
-0.28% |
2.75% |
1.06% |
0.20% |
05/31/2023 |
|
PIM REAL RETURN INST
Inception Date 01/29/1997 |
Bond Investments |
Income |
-4.52% |
0.46% |
2.67% |
1.60% |
5.15% |
1.41% |
1.37% |
05/31/2023 |
|
PIM TOTAL RT INST
Inception Date 05/11/1987 |
Bond Investments |
Income |
-2.64% |
-3.24% |
0.90% |
1.42% |
6.27% |
1.71% |
2.12% |
05/31/2023 |
|
VANG ST BOND IDX IS
Inception Date 03/01/1994 |
Bond Investments |
Income |
-0.06% |
-1.26% |
1.26% |
1.10% |
3.54% |
1.88% |
1.54% |
05/31/2023 |
|
VANG TOT BD MK IS PL
Inception Date 12/11/1986 |
Bond Investments |
Income |
-2.00% |
-3.66% |
0.87% |
1.37% |
5.15% |
2.03% |
1.93% |
05/31/2023 |
|
VANG CR FED MM ADM
Inception Date 10/03/1989 7 day yield % as of 05/31/2023: 5.05 ** |
Short-Term Investments |
Other |
3.44% |
1.19% |
1.53% |
1.02% |
2.92% |
1.21% |
2.03% |
05/31/2023 |
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.
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.
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
Eligible employees may enroll in the WWURP at any time during their first two years of eligibility with Western. If you have not enrolled in the WWURP by the end of your two-year eligibility anniversary, you will automatically be enrolled in the plan with your contributions going to a Vanguard Target Retirement Date Fund, which is the default investment for the WWURP.
Contributions to the WWURP are comprised of your contribution and Western's contribution according to various age ranges:
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 WWURP, 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 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.
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 are not available in the WWURP.
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.
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| Fidelity | 800-343-0860 |
| TIAA | 800-842-2252 |
The providers above are independent entities and are not legally affiliated.
Schedule time with a financial professional to get help with your financial goals.
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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