Internet Service Center (ISC) Participant

Transcription

1 Internet Service Center (ISC) Participant PNT-0406AO.6 FOR PARTICIPANT USE ONLY

2 The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities and trust programs. The unregistered group fixed and variable annuities are issued by Nationwide Life Insurance Company. Trust programs and trust services are offered by Nationwide Trust Company, FSB a division of Nationwide Bank. Nationwide Investment Services Corporation, member FINRA. Nationwide Mutual Insurance Company and Affiliated Companies, Home Office: Columbus, OH Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. (c) 2015 Nationwide PNT-0406AO.6 FOR PARTICIPANT USE ONLY

3 Table of Contents Getting Started... 4 Log-in to Existing Account... 4 Establishing a New Account... 6 Customer Account Management Page... 7 Account Summary tab... 7 Contact Us bar... 8 My Profile tab... 8 My Profile tab- Preferences My Profile tab- Security & Passwords Manage Account Page Manage Account page Balance Details tab Rate of Return tab View Account Functionality..14 Overview My Funds Tab...14 Transaction History Future Allocation Statements Fee Disclosure Learning Center Change Address News Automatic Enrollment 26 Explore Funds Functionality Overview Fund Performance Fund Evaluator Unit Values Trading Policies FDIC Insured APY...32 Move Money Functionality Overview Change Funds on My Own Model a Loan 36 Request/Model A Loan..38 Enter Loan System.38 Change Contribution Overview Hire a Professional PNT-0406AO.6 FOR PARTICIPANT USE ONLY

4 Getting Started Log-in to Existing Account or Establish a New Account If you already have an existing online Nationwide account, you can access it from Simply enter your username and password, click Log in. Once you click Sign up, the page below appears. Click on Sign Up under the Investments category. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

5 Getting Started, cont d Establishing a New Account, cont d Once you click on Sign Up, there are four (4) steps to enter your personal and account information. Information with an asterisk (*) is required, then click on the Continue button at the bottom of the page. Be sure to complete all steps of the sign up process for complete online access. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

6 Customer Account Management Page Account Summary tab Upon log-in, you will arrive at the Account Summary page. This page will display any and all, of the accounts that you have with Nationwide (insurance, investment, and retirement plans). Insurance policies are located at the top. Investments and retirement plans are located at the bottom. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

7 Customer Account Management Page, cont d Contact Us bar On the right side of the Account Summary page, you ll see the Contact Us bar. This bar contains very important information. Other important Nationwide contact numbers and hours of operation are listed for your convenience. If there is more than one product sold by a NW agent, then a link will be available for View my contacts. A drawer will open to display the specific details of the agent s contact information. To close the drawer, simply click on the Hide my contacts link. There are participants with multiple retirement plans. If you only have one retirement plan, then you will not have a drawer. Instead you will see just the contact information for general questions and retirement plans. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

8 Customer Account Management Page, cont d My Profile tab Next is the My Profile page. On this page, you ll notice three more tabs. The first is My Information. This section allows you to edit your address. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

9 Customer Account Management Page, cont d My Profile tab, cont d The next tab on the My Profile page, is for Preferences. This allows you to select edelivery options. The top section, Preferences, asks if you d like to receive reminders when your bill is ready to be viewed and paid. This question is for PCIO customers only and is not applicable for Retirement Plan accounts. It also asks if you d like to receive additional materials from Nationwide. The bottom section, Go Green Go Paperless, will allow you the ability to select how you would like to receive your account notifications, either by or US mail. To change your preferences, simply click on the Edit button. An overlay screen will display with the questions. Click on the radio button for yes or no. The next screen will ask for a confirmation, if finished, click Submit. Paperless option only available for certain plans. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

10 Customer Account Management Page, cont d My Profile tab, cont d The last tab on the My Profile page, is for security and passwords. This allows you to set your security questions and reset your password. The top section, Username and Password, will display what you entered when you registered for your online account. You may change both by clicking on the Edit button. The bottom section, Security Questions, also display what was selected when you registered for your online account. You may also change these by clicking on the Edit button. An overlay screen will show you the question options that you can select from. Choose one and type your answer. Remember that all 3 security questions must be answered. Manage Account Page Manage Account page Once you have clicked on the Manage Account button from the Account Summary page, you will go to the Internet Service Center to actually manage your account. The default screen is the Manage Account page. This page will display your account details in the middle section, as well as provide functionality links at the bottom. The following sections of this guide will explore these areas in more detail. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

11 Important note: the functionality sections may display different links depending on the features that your employer has selected for your plan s web page. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

12 Manage Account Page, cont d Balance Details tab The Balance Detail tab, which is the default, displays your account balance with an as of date. Rate of Return tab The second tab is for Rate of Return. You can select a market index from the drop down box that will compare your personal return to the index that you ve selected. If your retirement account has been at Nationwide prior to January 1st of this year, you can select a market index from the drop down box. That index will compare your personal return to the index that you ve selected. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

13 View Account Functionality Overview The View Account section is located at the bottom of the page. It contains the following links. Click each one to view the functionality available. My Funds tab The My Funds tab will display the funds that you have selected in a pie chart illustration. Holding your cursor over each piece of pie will display the percentage of assets that you have in that fund. You can also enable movement or slicing of the pie by right clicking with your mouse and then selecting rotation or slice movement. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

14 View Account Functionality, cont d My Funds tab, cont d You also have the ability to sort this information by Fund then Source. The sources may differ depending on what is available in your plan. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

15 View Account Functionality, cont d My Funds tab, cont d The fund detail is more specific by clicking on the arrow for more detail. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

16 View Account Functionality, cont d My Funds tab, cont d The last tab allows you to view by Source then Fund. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

17 View Account Functionality, cont d My Funds tab, cont d The fund detail is more specific by clicking on the arrow for more detail. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

18 View Account Functionality, cont d Transaction History The Transaction History page allows you view all transactions that occur within your account. In the appropriate boxes, enter a timeframe and then click the Apply button. The picture below is a snapshot of a transaction history. Once in a transactional page, use the left side navigational bar or top breadcrumbs to go to another link or back to the Managed Account page. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

19 View Account Functionality, cont d Future Allocation The Future Allocation page shows you in which funds you have selected future contributions to be invested. If you would like to change your allocations, go back to the Manage Account page and click on the Change Funds on My Own link at the bottom of the page. To go back to the Manage Account page, either use the breadcrumbs at the top of the page or the left side navigation bar. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

20 View Account Functionality, cont d Statements On the Statements page, you will see the past 5 quarterly statements posted. Simply click on the statement that you would like to view. The statement opens using Adobe Acrobat. If you need to download that application, there is a link to do so. To navigate from this page, use the breadcrumbs on the top, or the left side bar. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

21 View Account Functionality, cont d Fee Disclosure On the Fee Disclosure page you will find links to Plan and Fee Disclosures, Comparative Chart of Investment Options and a Glossary of Investment Terms. Federal law requires that certain plan and investment information be provided to participants, beneficiaries and those eligible to participate in the retirement plan. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

22 View Account Functionality, cont d Learning Center The Learning Center page will list all of the tools and calculators available for your use. From here, you can either click on another link under the View Account section or go back to the Manage Account page to select additional options. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

23 View Account Functionality, cont d Change Address On the Change Address page, you have the ability to edit your mailing address. Doing so in this website will update the Administrators records, but not your employer s. Please make sure to contact your employer to update their records. If you would like to receive electronic confirmation that your address change has been made, you will need to enter your address on the My Profile tab, then My Information, as highlighted in the red box. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

24 View Account Functionality, cont d News The News page will still display the Successful Outcomes Newsletters that you can download. If a news article has been posted after your last log-in, it will be the first page displayed before the Manage Account page. Click on the Continue button to navigate past the news. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

25 Explore Funds Functionality Overview The Explore Funds section may contain the following links. Click each one to view the functionality available. Please note: not all plans include the Fund Window feature which uses the Fund Evaluator tool. This link may not display on your account. Fund Performance The Fund Performance link will display all of the funds available in your plan. You may display the results by month end or quarter end. You may group by Ibbottson asset class, Morningstar category, or your funds. Simply make your selections and click on the update button. You will also notice 3 additional tabs that will offer more details about each fund: performance, additional details, MorningStar rating. These tabs will display regardless of the group category. (see next page for page example) PNT-0406AO.6 FOR PARTICIPANT USE ONLY

26 Explore Funds Functionality, cont d Fund Performance, cont d Since this page is so large, you may have noticed that there is not a left side navigation bar. Therefore, to go back to the Manage Account page, use the breadcrumbs at the top. If your plan allows for the Fund Window feature, then you will notice a section at the bottom of this page to add or remove funds from your favorite list. Clicking on either of these buttons will take you to the Fund Evaluator tool. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

27 Explore Funds Functionality, cont d Fund Evaluator The Fund Evaluator link will only display if your plan permits for the Fund Window feature. The fund evaluator is a tool that helps you evaluate and select funds. The first page will explain the feature and ask for your acknowledgement that you have read and understand the risk involved. Click on the I agree button to continue. The pages that follow will walk you through using the tool. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

28 Explore Funds Functionality, cont d Unit Values The Unit Value page displays the values posted as of the date listed at the top. At the bottom of this page, you can search for alternate dates. Enter the preferred date and click submit. The left side navigation bar has returned on this screen or you can still use the breadcrumbs at the top of the page to go to back to the Manage Account page. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

29 Explore Funds Functionality, cont d Trading Policies The Trading Policies page will show the redemption fees and trade restrictions applicable to funds in the plan. Again, due to the size of this screen, use the breadcrumbs at the top of the page to navigate. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

30 Explore Funds Functionality, cont d FDIC Insured APY FDIC Insured APY is not available on every plan. Please see your plan sponsor for details. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

31 Explore Funds Functionality, cont d Fact Sheet Example PNT-0406AO.6 FOR PARTICIPANT USE ONLY

32 Move Money Functionality Overview The Move Money section may look different depending on your plan and what options are available to you. Click on each to view the functionality available. Please note: not all plans allow for changing contributions online or hiring a professional. These links may not display on your account. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

33 Move Money Functionality, cont d Change Funds on My Own The Changes Funds on My Own page allows you to reallocate your current balance, transfer money between funds, and allocate future contributions. Make your selection and click on the Continue button at the bottom of the page. The pages that follow will walk you through completing your transactions. If you decide not to change funds, use the breadcrumbs at the top or the left side bar to navigate. If investment Models are available on your plan you can reallocate, transfer between, or allocate your future contributions into them here. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

34 Move Money Functionality, cont d Model a Loan If loans are available for your plan you may be able to model a loan and determine your eligible loan balance. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

35 Move Money Functionality, cont d Request/Quote a Loan If your employer utilizes the Loan Management System your loan eligibility can be determined and loans requested under the Request/Quote a Loan link. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

36 Move Money Functionality, cont d Enter Loan System If your employer utilizes the Loan Management System and you currently have an existing loan you will see the Enter Loan System link. This link will display your loan balances and repayment schedule/history. You may also be able to request a loan payoff quote to pay off a loan in full. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

37 Move Money Functionality, cont d Change Contribution If your plan permits you to change your contribution amount online, this page will display. Enter the new amount you would like to contribute and click on the Submit button. Depending on your employer's contribution schedule online deferral changes may not take effect immediately. Please contact your employer with any questions concerning this change. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

38 Move Money Functionality, cont d Rollover Center If you are retired, separated from service, or over the age of 59 ½ you may be eligible to roll your retirement plan into an Individual Retirement Account at Nationwide. You can click on the Rollover Center link to reach Investment Professionals who can help you make a decision. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

39 Move Money Functionality, cont d Overview If your plan permits for you to hire a professional Money Manager, then you will see a link to the Overview page. This page will give a brief description of hiring a professional or changing funds on your own. You can either click on the Get started button or use the left side navigation bar to go to the desired option. If you select to change funds on your own, please refer to the Change Funds on My Own section of this guide. PNT-0406AO.6 FOR PARTICIPANT USE ONLY

40 Move Money Functionality, cont d Hire a Professional PNT-0406AO.6 FOR PARTICIPANT USE ONLY