Wells Fargo & Company 401(k) Plan Comparative Fee Disclosure Chart

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Wells Fargo & Company 401(k) Plan Comparative Fee Disclosure Chart"

Transcription

1 Investment options as of October 1, 2015 & Company 401(k) Plan Comparative Fee Disclosure Chart This document includes important information to help you understand the fees associated with the investment options under the & Company 401(k) Plan ( 401(k) Plan ). If you want additional information about the 401(k) Plan investment options or to request a free paper copy of this notice or any information described in this notice, sign on to your account from the 401(k) Plan site from Teamworks or from home at teamworks.wellsfargo.com or call HRWELLS ( ), option 1, to speak with a plan specialist. Relay service calls are accepted. Introduction This document has two parts: (I) performance information for the 401(k) Plan investment options; and (II) fees and expenses you will pay if you invest in a fund option. currently pays the administrative expenses associated with the 401(k) Plan, including the 401(k) Plan s recordkeeping, accounting, and legal expenses. Please visit the 401(k) Plan site at teamworks.wellsfargo.com for additional important financial and other information regarding the investment options such as fund fact sheets and prospectuses or disclosures for the investment options, a glossary of terms relevant to the 401(k) Plan, and the & Company 401(k) Plan Summary Plan Description ( SPD ). Part I. Performance Information Table 1 focuses on the performance of investment options that do not have a fixed or stated rate of return. It shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment option will perform in the future. Refer to the 401(k) Plan site for more current investment performance. Your investment in these options could lose money. Information about an investment option s principal risks is available in the investment option s prospectus or disclosure document on the 401(k) Plan site using Teamworks or from home at teamworks.wellsfargo.com or by calling HRWELLS ( ), option 1. Table 1 Variable Return Investments Fund Category and Fund Name Fund s Average Annual Total Return as of 09/30/2015 Benchmark Name Benchmark s Average Annual Total Return as of 09/30/2015 Target Date 0.38% 2.75% 4.01% NA Dow Jones Target Target Today Fund 1, 2 Today Index 0.50% 3.30% 4.03% NA Dow Jones Target 2010 Fund 1, 2 Target 2010 Index 0.16% 3.10% 4.45% NA 0.22% 3.70% 4.45% NA 1. Effective December 15, 2015, Advantage Funds will remove the word Advantage from the fund family name and be simply known as Funds. As part of the fund family name change, each individual fund will drop the word Advantage from its fund name. 2. Before June 1, 2013, the 401(k) Plan previously received an additional rebate of 0.15% from Funds Management, LLC, which was passed through to 401(k) Plan participants who invested in this fund. The total returns shown in Table 1 do not take into account this additional 0.15% rebate for the time period before June 1,

2 Fund Category and Fund Name Fund s Average Annual Total Return as of 09/30/2015 Benchmark Name Benchmark s Average Annual Total Return as of 09/30/2015 Target Date 0.78% 4.03% NA 3.32% Dow Jones Target 2015 Fund 1, 2 Target 2015 Index 1.16% 4.97% 4.54% NA Dow Jones Target 2020 Fund 1, 2 Target 2020 Index 1.61% 5.98% NA 3.32% Dow Jones Target 2025 Fund 1, 2 Target 2025 Index 2.09% 6.85% 5.03% NA Dow Jones Target 2030 Fund 1, 2 Target 2030 Index 2.87% 7.49% NA 3.41% Dow Jones Target 2035 Fund 1, 2 Target 2035 Index 3.44% 7.94% 5.41% NA Dow Jones Target 2040 Fund 1, 2 Target 2040 Index 3.83% 8.15% NA 3.62% Dow Jones Target 2045 Fund 1, 2 Target 2045 Index 4.02% 8.17% NA 3.61% Dow Jones Target 2050 Fund 1, 2 Target 2050 Index 3.96% NA NA 6.18% Dow Jones Target 2055 Fund 1, 2 Target 2055 Index 0.49% 4.42% NA 3.77% 0.84% 5.36% 4.98% NA 1.29% 6.35% NA 3.69% 1.81% 7.20% 5.62% NA 2.57% 7.84% NA 3.68% 3.17% 8.28% 5.93% NA 3.56% 8.48% NA 3.85% 3.70% 8.49% NA 3.85% 3.70% NA NA 6.39% Money Market and Stable Value 100% Treasury Money Market Fund Stable Value Fund Bond 0.00% 0.01% 1.06% NA Citigroup 3 month Treasury Bill 1.87% 2.35% 3.47% NA Citigroup 3 month Treasury Bill 0.02% 0.06% 1.26% NA 0.02% 0.06% 1.26% NA U.S. Bond 2.96% 3.06% 4.68% NA Barclays Capital U.S. Aggregate Bond Index 2.94% 3.10% 4.64% NA PIMCO Global Advantage Strategy Bond Fund Institutional 8.71% 0.34% NA 3.65% PIMCO Global Advantage Bond Index (GLADI) 7.87% 0.19% NA 3.55% 1. Effective December 15, 2015, Advantage Funds will remove the word Advantage from the fund family name and be simply known as Funds. As part of the fund family name change, each individual fund will drop the word Advantage from its fund name. 2. Before June 1, 2013, the 401(k) Plan previously received an additional rebate of 0.15% from Funds Management, LLC, which was passed through to 401(k) Plan participants who invested in this fund. The total returns shown in Table 1 do not take into account this additional 0.15% rebate for the time period before June 1,

3 Fund Category and Fund Name Fund s Average Annual Total Return as of 09/30/2015 Benchmark Name Benchmark s Average Annual Total Return as of 09/30/2015 Domestic Stock Large Cap Value Fund 5.21% 12.03% NA 11.46% Russell 1000 Value S&P % 13.34% 6.84% NA Standard & Poor s 500 Large Cap Growth Fund 4.74% 13.57% NA 13.13% Russell 1000 Growth 4.42% 12.29% NA 11.73% 0.61% 13.34% 6.80% NA 3.17% 14.47% NA 14.23% S&P Mid Cap Index Fund 1.33% 12.86% 8.25% NA S&P 400 Mid Cap 1.40% 12.93% 8.25% NA Russell Small Cap 1.24% 11.68% 6.45% NA Russell % 11.73% 6.55% NA Small Cap Fund 1.63% 11.86% NA 11.67% Russell % 11.73% NA 12.11% NASDAQ 100 International Stock International Index Fund International Equity Fund Emerging Markets Equity Fund Company Stock 4.39% 17.26% NA 10.62% NASDAQ 100 Stock Index 8.44% 4.18% NA 8.38% MSCI EAFE Index (Net) 7.57% NA NA 4.82% MSCI All Country World Index ex U.S. Index (Net) 25.70% 4.32% NA 0.66% MSCI Emerging Markets Index (Net) 4.46% 17.32% NA 10.76% 8.66% 3.98% NA 8.23% 12.16% NA NA 2.85% 19.28% 3.58% NA 0.43% ESOP Fund 1.03% 15.13% 5.62% NA Standard & Poor s % 13.34% 6.80% NA Non-ESOP Fund 1.06% 14.98% NA 8.85% Standard & Poor s % 13.34% NA 10.37% 3

4 Part II. Fee and Expense Information Table 2 shows fees and expenses for the investment options listed in Table 1. Total Annual are expenses that reduce the rate of return of the investment option. Table 2 shows the Gross Total Annual Operating Expenses in column B, which represents the expense before fee expense waivers to the 401(k) Plan. The waivers reduce Gross Total Annual and are listed in column C. The result is the Net Total Annual Operating Expenses of each 401(k) Plan investment option shown in column D, which represents what you pay (column B - C = D). Funds that have trading restrictions are indicated in column E, as shown below. Table 2 Fees and Expenses A B C D E Fund Category or Fund Name Gross Total Annual (Before fund level fee expense waivers to the 401(k) Plan) Fund Level Fee Expense Waivers to the 401(k) Plan Net Total Annual (What you pay) Trading Restrictions As a % Per As a % As a % Per Target Date Target Today Fund % $ % 0.30% $ Day Purchase Target 2010 Fund % $ % 0.32% $ Day Purchase Target 2015 Fund % $ % 0.33% $ Day Purchase Target 2020 Fund % $ % 0.35% $ Day Purchase Target 2025 Fund % $ % 0.35% $ Day Purchase 1. Effective December 15, 2015, Advantage Funds will remove the word Advantage from the fund family name and be simply known as Funds. As part of the fund family name change, each individual fund will drop the word Advantage from its fund name. 4

5 A B C D E Fund Category or Fund Name Gross Total Annual (Before fund level fee expense waivers to the 401(k) Plan) Fund Level Fee Expense Waivers to the 401(k) Plan Net Total Annual (What you pay) Trading Restrictions As a % Per As a % As a % Per Target Date Target 2030 Fund % $ % 0.36% $ Day Purchase Target 2035 Fund % $ % 0.37% $ Day Purchase Target 2040 Fund % $ % 0.37% $ Day Purchase Target 2045 Fund % $ % 0.37% $ Day Purchase Target 2050 Fund % $ % 0.37% $ Day Purchase Target 2055 Fund % $ % 0.37% $ Day Purchase Money Market and Stable Value 100% Treasury Money Market Fund Stable Value Fund 0.51% $ % % $0.60 NA 0.24% $2.40 NA 0.24% $2.40 Funds may not be transferred to 100% Treasury Money Market Fund until 90 days after transfer from Stable Value Fund. Bond U.S. Bond 0.06% $0.60 NA 0.06% $0.60 NA PIMCO Global Advantage Strategy Bond Fund Institutional 0.70% $7.00 NA 0.70% $7.00 NA 5

6 A B C D E Fund Category or Fund Name Gross Total Annual (Before fund level fee expense waivers to the 401(k) Plan) Fund Level Fee Expense Waivers to the 401(k) Plan Net Total Annual (What you pay) Trading Restrictions As a % Per As a % As a % Per 1. Effective December 15, 2015, Advantage Funds will remove the word Advantage from the fund family name and be simply known as Funds. As part of the fund family name change, each individual fund will drop the word Advantage from its fund name. 2. The Fund Level waiver shown above for the 100% Treasury Money Market Fund includes a voluntary waiver by Funds Management of 0.24%, which is subject to change at any time based on market conditions. Domestic Stock Large Cap Value Fund 0.40% $4.00 NA 0.40% $ Day Purchase S&P % $0.20 NA 0.02% $0.20 NA Large Cap Growth Fund S&P Mid Cap Russell Small Cap 0.44% $4.40 NA 0.44% $ Day Purchase 0.06% $0.60 NA 0.06% $0.60 NA 0.06% $0.60 NA 0.06% $0.60 NA Small Cap Fund 0.58% $5.80 NA 0.58% $ Day Purchase NASDAQ % $0.70 NA 0.07% $0.70 NA International Stock International International Equity Fund Emerging Markets Fund 0.09% $0.90 NA 0.09% $0.90 NA 0.55% $5.50 NA 0.55% $ Day Purchase 0.90% $9.00 NA 0.90% $9.00 NA Company Stock ESOP Fund 0.00% $ % 0.00% $0.00 NA 6

7 A B C D E Fund Category or Fund Name Gross Total Annual (Before fund level fee expense waivers to the 401(k) Plan) Fund Level Fee Expense Waivers to the 401(k) Plan Net Total Annual (What you pay) Trading Restrictions As a % Per As a % As a % Per Non-ESOP Fund 0.00% $ % 0.00% $0.00 NA 7

8 Plan Related Information The investment options available in the 401(k) Plan do not assess additional fees beyond those reflected in Table 2 Fees and Expenses, starting on page 4, directly against a participant s or beneficiary s investment such as commissions, sales loads, sales charges, deferred sales charges, redemption fees, surrender charges, exchange fees, account fees, or purchase fees resulting from transaction activity initiated by a participant or beneficiary. No Administrative or Individual Fees Imposed by the 401(k) Plan. 1 As noted above, & Company currently pays all administrative expenses to operate the 401(k) Plan. For example, you are not charged a fee for recordkeeping expenses. In addition, currently the 401(k) Plan does not impose individual fees associated with the 401(k) Plan. For example, the 401(k) Plan does not impose a fee for you to obtain a distribution or loan from the 401(k) Plan. Investment Options and Instructions. As a participant in the 401(k) Plan, you re responsible for investing your account in one or any combination of the 401(k) Plan s investment options. Table 1 and Table 2 above provide more specific information about the investment options. You may change your investment elections as often as you like, but keep in mind that some funds are subject to trading restrictions. The trading restrictions are described in Table 2 above. To make investment changes, sign on to your 401(k) Plan account from Teamworks or teamworks.wellsfargo.com, or you can call HRWELLS ( ), option 1. Voting Rights for Company Stock. From time to time, shareholders of & Company are asked to vote on various matters. If you have stock allocated to your 401(k) Plan account under the ESOP Fund or the Non ESOP Fund, you will have an opportunity to direct the vote of your allocated shares on a confidential basis through a third party. Your vote will not be divulged to employees or officers of & Company. The results of the vote (but not how an individual participant voted such shares) will be provided to the Trustee of the 401(k) Plan. The Trustee votes the shares of & Company common stock in accordance with such results. For additional details, refer to the SPD. The Target Date Funds and possibly other investment options may ask investors to vote on certain actions such as membership on the fund s board of directors. The plan administrator anticipates that such voting will be done by either the trustee or by the plan administrator who would direct the trustee how to vote the shares of the investment fund. The plan administrator does not anticipate passing through such voting to the participants in the 401(k) Plan. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the U.S. Department of Labor s website at dol.gov/ebsa/ publications/401k_employee.html for an example showing the long term effect of fees and expenses. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals. For your long term retirement security, you should give careful consideration to the importance of a well balanced and diversified investment portfolio. Please visit the 401(k) Plan site from Teamworks or from home at teamworks.wellsfargo.com, and select the Plan Information tab, then Plan Resources for a glossary of investment terms relevant to the 401(k) Plan. The glossary is intended to help you better understand your retirement benefits. Important information Please note that this Comparative Fee Disclosure Chart is not intended to include all of the terms of the 401(k) Plan. Neither & Company nor any of its affiliates, including its employees and representatives, may provide investment advice to any participant or beneficiary regarding the investment of assets in the 401(k) Plan. Please contact your personal investment, financial, tax, or legal advisor regarding your specific needs and situation. & Company reserves the right to amend, modify, or terminate the 401(k) Plan at any time, in whole or in part, without notice for any reason. 1. The State of Florida imposes a stamp tax on loans its residents obtain from the 401(k) Plan. See the Loan Rules in the Summary Plan Description for more details. 8

9 2015 Bank, N.A. All rights reserved. ECG v3.1 HRS2388 (10/15)

Supplemental Income 401(k) Plan

Supplemental Income 401(k) Plan Supplemental Income 401(k) Plan This document contains important information concerning our retirement plan. The first section provides you with information about the plan in general, including any expenses

More information

SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015

SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015 SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015 This legally required notice includes important information to help you compare the investment options under your

More information

The 401(k) & PSP is a great way to build savings for your future. Through the 401(k) & PSP you get:

The 401(k) & PSP is a great way to build savings for your future. Through the 401(k) & PSP you get: The Kimberly-Clark 401(k) and Profit Sharing Plan (401(k) & PSP): Information about Your Options, Fees and Other Expenses Fee Disclosure Notice For more information about this statement, you may contact

More information

Fund Fact Sheet. ExxonMobil Savings Plan

Fund Fact Sheet. ExxonMobil Savings Plan Fund Fact Sheet ExxonMobil Savings Plan ExxonMobil Stock When you buy Exxon Mobil Corporation Common Stock (ExxonMobil stock), you become an ExxonMobil shareholder and an owner of the company. As an owner

More information

U.S. Bank 401(k) Savings Plan Annual Fee Disclosure Notice

U.S. Bank 401(k) Savings Plan Annual Fee Disclosure Notice U.S. Bank 401(k) Savings Plan Annual Fee Disclosure Notice The U.S. Bank 401(k) Savings Plan can assist you in saving on a tax-deferred basis for your future. Through the U.S. Bank 401(k) Savings Plan

More information

CFNI 401(a) Retirement Plan (the Plan ) Document summary General plan information section Plan fees and expenses Comparative charts

CFNI 401(a) Retirement Plan (the Plan ) Document summary General plan information section Plan fees and expenses Comparative charts CFNI 401(a) Retirement Plan (the Plan ) Plan Code: AN3-004 Product name: Lincoln Alliance program The purpose of this document is to provide you with important information regarding the CFNI 401(a) Retirement

More information

Annual Disclosure of Plan Investment Information

Annual Disclosure of Plan Investment Information Annual Disclosure of Plan Investment Information The Boeing Company Voluntary Investment Plan August 30, 2014* *Revised January 1, 2015 Copyright 2015 Boeing. All rights reserved. 256743 2014-637 Introduction

More information

August 26, 2015. Re: Important information about your retirement plan

August 26, 2015. Re: Important information about your retirement plan MANHATTANVILLE COLLEGE 2900 PURCHASE STREET PURCHASE, NY 105772131 August 26, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to help you make

More information

ABC Corporation 401k Retirement Plan Investment Options January 1, 20XX. Table 1 Variable Return Investments

ABC Corporation 401k Retirement Plan Investment Options January 1, 20XX. Table 1 Variable Return Investments Model Comparative Chart ABC Corporation 401k Retirement Plan Investment Options January 1, 20XX This document includes important information to help you compare the investment options under your retirement

More information

Important Information on Your Investment Options, Fees, and Other Expenses for the JPMorgan Chase 401(k) Savings Plan: Fee Disclosure Notice

Important Information on Your Investment Options, Fees, and Other Expenses for the JPMorgan Chase 401(k) Savings Plan: Fee Disclosure Notice November 2014 Important Information on Your Investment Options, Fees, and Other Expenses for the JPMorgan Chase 401(k) Savings Plan: Fee Disclosure Notice Important: This notice refers to the 401(k) Savings

More information

Section 1 Understanding the Basics

Section 1 Understanding the Basics Timmons Group, Inc. 401(k) Plan ("Plan") This document contains important information concerning your Retirement Plan. The first section reviews advantages of saving in the Plan as well as basic investment

More information

July 28, 2015. Re: Important information about your retirement plan

July 28, 2015. Re: Important information about your retirement plan JOHN CARROLL UNIVERSITY One John Carroll Blvd. UNIVERSITY HEIGHTS, OH 441184520 July 28, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to

More information

[because] administrative charges / investment expenses / [and] asset management fees

[because] administrative charges / investment expenses / [and] asset management fees 11 Simple 401k Learn How to Increase Your Company's 401k Account Values by as Much as 30% to 40% The fees and expenses charged within your company's 401k plan could be costing your employees as much as

More information

MOTOROLA SOLUTIONS 401(k) PLAN ANNUAL FEE DISCLOSURE - APRIL 2015

MOTOROLA SOLUTIONS 401(k) PLAN ANNUAL FEE DISCLOSURE - APRIL 2015 MOTOROLA SOLUTIONS 401(k) PLAN ANNUAL FEE DISCLOSURE - APRIL 2015 THIS NOTICE INCLUDES IMPORTANT INFORMATION ABOUT OPTIONS, FEES AND OTHER EXPENSES IN THE MOTOROLA SOLUTIONS 401(k) PLAN (THE PLAN ). The

More information

SUPPLEMENT TO CALVERT VP NATURAL RESOURCES PORTFOLIO. Calvert Variable Products Portfolios Prospectus (Calvert VP Index Portfolios) dated May 1, 2016

SUPPLEMENT TO CALVERT VP NATURAL RESOURCES PORTFOLIO. Calvert Variable Products Portfolios Prospectus (Calvert VP Index Portfolios) dated May 1, 2016 SUPPLEMENT TO CALVERT VP NATURAL RESOURCES PORTFOLIO Calvert Variable Products Portfolios Prospectus (Calvert VP Index Portfolios) dated May 1, 2016 Calvert VP Natural Resources Portfolio Summary Prospectus

More information

Daseke, Inc. 401(k) Retirement Plan Disclosure & Comparative Chart for Retirement Plan Participants

Daseke, Inc. 401(k) Retirement Plan Disclosure & Comparative Chart for Retirement Plan Participants Daseke, Inc. 401(k) Retirement Plan Disclosure & Comparative Chart for Retirement Plan Participants All individuals who have the right to direct investments in an employer-sponsored retirement plan are

More information

CREIGHTON UNIV. TAX DEFERRED ANNUITY PLAN

CREIGHTON UNIV. TAX DEFERRED ANNUITY PLAN CREIGHTON UNIV. TAX DEFERRED ANNUITY PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should keep in mind

More information

Investment Returns & Fee Comparison (Plan Number) (Plan Name) mlr.metlife.com. Part I. Performance Information

Investment Returns & Fee Comparison (Plan Number) (Plan Name) mlr.metlife.com. Part I. Performance Information Investment Returns & Fee Comparison (Plan Number) (Plan Name) mlr.metlife.com This document includes important information to help you compare the investment options under your employer s retirement plan.

More information

Participant Disclosure Notice

Participant Disclosure Notice Participant Disclosure Notice DePaul University 403(b) Retirement Plan IMPORTANT PLAN AND INVESTMENT-RELATED INFORMATION FOR PLAN ACCOUNTS ESTABLISHED WITH FIDELITY, INCLUDING THE PLAN S INVESTMENT OPTIONS,

More information

ASSOC OF INDEPENDENT COLLEGES AND UNIVERSITIES OF PA 403(B)

ASSOC OF INDEPENDENT COLLEGES AND UNIVERSITIES OF PA 403(B) ASSOC OF INDEPENDENT COLLEGES AND UNIVERSITIES OF PA 403(B) Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you

More information

CalPERS 457 Plan Target Retirement Date Funds

CalPERS 457 Plan Target Retirement Date Funds CalPERS 457 Plan Target Retirement Date s September 30, 2015 Overview Target Retirement Date s (the "" or "s") are a series of diversified funds, each of which has a predetermined underlying asset mix

More information

CLARKSON UNIVERSITY PENSION PLAN

CLARKSON UNIVERSITY PENSION PLAN CLARKSON UNIVERSITY PENSION PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should keep in mind how long

More information

U.S. Department of Labor Employee Benefits Security Administration

U.S. Department of Labor Employee Benefits Security Administration U.S. Department of Labor Employee Benefits Security Administration This publication has been developed by the U.S. Department of Labor, Employee Benefits Security Administration. To view this and other

More information

THE DAVIS COMPANIES 401(K) RETIREMENT PLAN Voya Plan 873617 Your Investment Program - Plan-related Information September 30, 2014

THE DAVIS COMPANIES 401(K) RETIREMENT PLAN Voya Plan 873617 Your Investment Program - Plan-related Information September 30, 2014 THE DAVIS COMPANIES 401(K) RETIREMENT PLAN Voya Plan 873617 Your Investment Program - Plan-related Information September 30, 2014 The purpose of this document is to summarize certain plan-related information

More information

Elimination of the Fidelity Growth & Income Portfolio NUSCO 401k Plan October, 2008

Elimination of the Fidelity Growth & Income Portfolio NUSCO 401k Plan October, 2008 Elimination of the Fidelity Growth & Income Portfolio NUSCO 401k Plan October, 2008 Dear Participant: The Northeast Utilities 401k Advisory Committee, which routinely reviews investments offered under

More information

Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan

Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan TIAA-CREF Quarterly Performance Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan Performance as of 03/31/2016 Before making your investment choices and completing your enrollment form,

More information

TIAA-CREF NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN. Summary of Plan Services and Costs

TIAA-CREF NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN. Summary of Plan Services and Costs NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN Summary of Plan Services and Costs July 11, 2013 This summary provides important information to assist you in making decisions related to your participation in

More information

Welcome to your new retirement plan provider

Welcome to your new retirement plan provider Welcome to your new retirement plan provider < ABC Company > is changing the service provider for its qualified retirement plan to John Hancock. Important dates 1 at a glance Access to John Hancock s website

More information

ETFs and their Place in the 401(k) Market

ETFs and their Place in the 401(k) Market ETFs and their Place in the 401(k) Market Agenda Unique benefits of ETFs Why ETFs in 401(k)? How does it work? How are advisors using ETFs? What s next? 2 AN INTRODUCTION TO ISHARES 1 The BlackRock - ishares

More information

Client Education. Learn About Indexing

Client Education. Learn About Indexing Client Education Learn About Indexing 2 What is indexing? 4 The benefits of indexing 8 Putting indexing to work 10 Common indexes Many financial advisors use index funds as the foundation in many of their

More information

PUGET SOUND BLOOD CENTER AND PROGRAM 403(B) DC RET PLAN

PUGET SOUND BLOOD CENTER AND PROGRAM 403(B) DC RET PLAN PUGET SOUND BLOOD CENTER AND PROGRAM 403(B) DC RET PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should

More information

Information on Retirement Savings Plans Available at Carnegie Mellon University

Information on Retirement Savings Plans Available at Carnegie Mellon University Information on Retirement Savings Plans Available at Carnegie Mellon University Carnegie Mellon University offers two retirement savings plans based on eligibility and citizenship/residency: Carnegie Mellon

More information

Notice of Investment Returns & Fee Comparison

Notice of Investment Returns & Fee Comparison Notice of Returns & Fee Comparison 373476-01 Medical Solutions, Inc. Income Savings Plan www.empower-retirement.com/participant Your employer's retirement plan may be one of the most valuable investments

More information

County of Orange - 98984-01/02 Investment Performance as of 04/29/2016

County of Orange - 98984-01/02 Investment Performance as of 04/29/2016 County of Orange - 98984-01/02 Investment Performance as of 04/29/2016 Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance and is

More information

LSU - LSU AND A+M TAX DEFERRED ANNUITY PLAN

LSU - LSU AND A+M TAX DEFERRED ANNUITY PLAN Quarterly Investment Update LSU LSU AND A+M TAX DEFERRED ANNUITY PLAN Investment Performance as of 6/30/2016 The performance data quoted represents past performance, and is no guarantee of future results.

More information

Texas Teachers Advisor Program

Texas Teachers Advisor Program Texas Teachers Advisor Program Monthly Performance Report as of February 28, 2015 You should consider the investment objectives, risks, charges, and expenses of the mutual funds carefully before investing.

More information

Dimensional vs. ETF After-Tax Comparison

Dimensional vs. ETF After-Tax Comparison Dimensional vs. ETF After-Tax Comparison Data as of March 31, 2014 This information is provided for institutional investors and registered investment advisors, and is not intended for public use. Dimensional

More information

New York s 529 Advisor-Guided College Savings Program

New York s 529 Advisor-Guided College Savings Program NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York

More information

JOHNS HOPKINS UNIVERSITY 403(b) PLAN and JOHNS HOPKINS UNIVERSITY INCOME DEFERRAL 403(b) PLAN FOR RESIDENTS, INTERNS AND POSTDOCTORAL FELLOWS

JOHNS HOPKINS UNIVERSITY 403(b) PLAN and JOHNS HOPKINS UNIVERSITY INCOME DEFERRAL 403(b) PLAN FOR RESIDENTS, INTERNS AND POSTDOCTORAL FELLOWS JOHNS HOPKINS UNIVERSITY 403(b) PLAN and JOHNS HOPKINS UNIVERSITY INCOME DEFERRAL 403(b) PLAN FOR RESIDENTS, INTERNS AND POSTDOCTORAL FELLOWS Summary of Plan Services and Costs This summary provides important

More information

Annual Participant Fee Disclosure

Annual Participant Fee Disclosure Annual Participant Fee Disclosure For Currently Available Investment Options WELLMONT HEALTH SYSTEM WELLMONT HEALTH SYSTEM 403(B) RETIREMENT SAVINGS PLAN WELLMONT HEALTH SYSTEM 401(A) RETIREMENT SAVINGS

More information

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire LINE BAN ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk

More information

Spectrum of Investment Options

Spectrum of Investment Options Kentucky Deferred Comp Spectrum of Investment Options Your guide to available investment options. Tier 1 Target Date Funds, Balanced Fund Target Date Funds Vanguard Target Retirement Funds (in five-year

More information

Mutual Fund Expense Information on Quarterly Shareholder Statements

Mutual Fund Expense Information on Quarterly Shareholder Statements June 2005 Mutual Fund Expense Information on Quarterly Shareholder Statements You may have noticed that beginning with your March 31 quarterly statement from AllianceBernstein, two new sections have been

More information

Learn about active and passive investing. Investor education

Learn about active and passive investing. Investor education Learn about active and passive investing Investor education Active, passive or both: Which is right for you? Portfolios can be built using actively managed and index mutual funds either individually or

More information

SUMMARY PROSPECTUS CALVERT AGGRESSIVE ALLOCATION FUND INVESTMENT OBJECTIVE FEES AND EXPENSES OF THE FUND. Example. Portfolio Turnover

SUMMARY PROSPECTUS CALVERT AGGRESSIVE ALLOCATION FUND INVESTMENT OBJECTIVE FEES AND EXPENSES OF THE FUND. Example. Portfolio Turnover SUMMARY PROSPECTUS February 1, 2016, as revised April 11, 2016 CALVERT AGGRESSIVE ALLOCATION FUND Class (Ticker): A (CAAAX) C (CAACX) Link to Prospectus (Table of Contents) Link to Statement of Additional

More information

Wells Fargo Dow Jones Target 2045 Fund

Wells Fargo Dow Jones Target 2045 Fund Summary Prospectus July 1, 2016 Wells Fargo Dow Jones Target 2045 Fund Class/Ticker: Class A - WFQVX Link to Prospectus Link to SAI Before you invest, you may want to review the Fund's prospectus, which

More information

Dear Participant: Please refer to Part IV of the attached document for information on who to call with questions.

Dear Participant: Please refer to Part IV of the attached document for information on who to call with questions. Dear Participant: You are receiving the attached notification as the result of a regulation passed by the Department of Labor (DOL) in October 2010. This participant fee disclosure regulation, referred

More information

Prospectus. Class / Ticker Symbol Fund Name Class A Class C Class R3 Class I

Prospectus. Class / Ticker Symbol Fund Name Class A Class C Class R3 Class I Mutual Funds Prospectus January 31, 2014 For investors seeking long-term capital appreciation. Nuveen Equity Funds Class / Ticker Symbol Fund Name Class A Class C Class R3 Class I Nuveen Symphony International

More information

usbank.com 1 October 13, 2010

usbank.com 1 October 13, 2010 October 13, 2010 Important Enhancements to the U.S. Bank 401(k) Savings Plan U.S. Bank is making important changes to the U.S. Bank 401(k) Savings Plan simplifying and streamlining the investment fund

More information

Plan and Investment Notice

Plan and Investment Notice ST. JOHN FISHER COLLEGE EE ELECTIVE PLAN Plan and Investment Notice Your participation in your employer's retirement plan is the first step to ensuring adequate retirement income. The purpose of this Plan

More information

Quarterly Market Review Second Quarter 2013

Quarterly Market Review Second Quarter 2013 Quarterly Market Review Second Quarter 2013 Quarterly Market Review 1 Market Summary: 2 nd Q Index Returns Past performance is not a guarantee of future results. Indices are not available for direct investment.

More information

Investment Expenses and Indirect Compensation

Investment Expenses and Indirect Compensation Investment s and Indirect Compensation The chart below shows the components of the investment expenses for the non-fixed interest funds available under your plan as well as the revenue paid to Voya Financial,

More information

Annual Participant Fee Disclosure

Annual Participant Fee Disclosure Annual Participant Fee Disclosure For Currently Available Investment Options DUKE UNIVERSITY THE DUKE UNIVERSITY FACULTY AND STAFF RETIREMENT PLAN This disclosure contains important information about the

More information

2013 Distribution Summary Investor, Premium & e -Series Breakdown of Cumulative Distributions for the Period January 1, 2013 to December 31, 2013

2013 Distribution Summary Investor, Premium & e -Series Breakdown of Cumulative Distributions for the Period January 1, 2013 to December 31, 2013 2013 Summary Breakdown of Cumulative s for the Period January 1, 2013 to December 31, 2013 TD Comfort Portfolios Investor Series TD Comfort Conservative Portfolio 0.070042 0.024999 0.040647 0.051698 0.187386

More information

INVESTMENT POLICY STATEMENT. Creighton University 403(b) Retirement Plan

INVESTMENT POLICY STATEMENT. Creighton University 403(b) Retirement Plan INVESTMENT POLICY STATEMENT For Creighton University 403(b) Retirement Plan November 2008 Cornerstone Advisors Asset Management, Inc. 74 West Broad Street, Suite 340 Bethlehem, PA 18018 TABLE OF CONTENTS

More information

UBS Financial Services Inc. September 30, 2011. Prepared for: Managed Accounts Consulting. Your Branch Office and Financial Advisor: ACCOUNT PROFILE

UBS Financial Services Inc. September 30, 2011. Prepared for: Managed Accounts Consulting. Your Branch Office and Financial Advisor: ACCOUNT PROFILE UBS Financial Services Inc. 1200 Harbor Boulevard Weehawken, NJ 07086-6791 September 30, 2011 ACCOUNT PROFILE Financial Advisor: Program: Investment Advisor: CHARLES ALVARE Managed Accounts Consulting

More information

Wells Fargo & Company 401(k) Plan

Wells Fargo & Company 401(k) Plan Summary Plan Description Wells Fargo & Company 401(k) Plan October 1, 2013 This Summary Plan Description ( SPD ) summarizes the major features of the Wells Fargo & Company 401(k) Plan ( 401(k) Plan ).

More information

Quarterly Performance Report as of September 30, 2011

Quarterly Performance Report as of September 30, 2011 SFR Program Quarterly Performance Report as of September 30, 2011 You should consider the investment objectives, risks, charges, and expenses of the mutual funds carefully before investing. You may obtain

More information

Your Guide to Investment Changes to the Halliburton Retirement and Savings Plan

Your Guide to Investment Changes to the Halliburton Retirement and Savings Plan Your Guide to Investment Changes to the Halliburton Retirement and Savings Plan Building Smart Investments New Investment Options Coming in June The Halliburton Retirement and Savings Plan (the Plan )

More information

Your retirement plan is on the move

Your retirement plan is on the move Your retirement plan is on the move In May, your Dow Corning Corporation Employees Capital Accumulation Plan (CAP) will transition to Vanguard. This newsletter gives you the latest information about the

More information

ROOSEVELT UNIVERSITY DEFINED CONTRIBUTION PLAN-CLERICAL UNION

ROOSEVELT UNIVERSITY DEFINED CONTRIBUTION PLAN-CLERICAL UNION ROOSEVELT UNIVERSITY DEFINED CONTRIBUTION PLAN-CLERICAL UNION Summary of Plan Services and Costs This summary provides important information to assist you in making decisions related to your participation

More information

I.A.M. National 401(k) Plan. Investment Options Summary

I.A.M. National 401(k) Plan. Investment Options Summary I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement

More information

VIP Benchmark Glossary

VIP Benchmark Glossary VIP Benchmark Glossary Benchmark descriptions in this document are effective as of December 12, 2014. A benchmark is an industry-standard method to measure the overall performance of specific types of

More information

Wells Fargo Advantage Dow Jones Target Date Funds SM

Wells Fargo Advantage Dow Jones Target Date Funds SM Wells Fargo Advantage Dow Jones Target Date Funds SM Annual Report February 28, 2015 Wells Fargo Advantage Dow Jones Target Today Fund SM Wells Fargo Advantage Dow Jones Target 2010 Fund SM Wells Fargo

More information

Wells Fargo & Company 401(k) Plan

Wells Fargo & Company 401(k) Plan Summary Plan Description/Prospectus Wells Fargo & Company 401(k) Plan Effective January 1, 2011 This document constitutes part of a prospectus covering securities that have been registered under the Securities

More information

Redemption of Shares Class A Sales Charge Waivers beginning on page 37 of the Fund s Statement of Additional Information.

Redemption of Shares Class A Sales Charge Waivers beginning on page 37 of the Fund s Statement of Additional Information. USA Mutuals Barrier Fund Trading Symbols: Institutional Class Shares VICVX Investor Class Shares VICEX Class A Shares VICAX Class C Shares VICCX Summary Prospectus July 29, 2015 Before you invest, you

More information

DFA INVESTMENT DIMENSIONS GROUP INC.

DFA INVESTMENT DIMENSIONS GROUP INC. PROSPECTUS February 28, 2014 Please carefully read the important information it contains before investing. DFA INVESTMENT DIMENSIONS GROUP INC. PORTFOLIOS FOR LONG-TERM INVESTORS SEEKING TO INVEST IN:

More information

THE METROPOLITAN ST. LOUIS SEWER DISTRICT DEFERRED COMPENSATION PLAN AND TRUST FINANCIAL STATEMENTS DECEMBER 31, 2012 AND 2011

THE METROPOLITAN ST. LOUIS SEWER DISTRICT DEFERRED COMPENSATION PLAN AND TRUST FINANCIAL STATEMENTS DECEMBER 31, 2012 AND 2011 THE METROPOLITAN ST. LOUIS SEWER DISTRICT DEFERRED COMPENSATION PLAN AND TRUST FINANCIAL STATEMENTS DECEMBER 31, 2012 AND 2011 Contents Page Independent Auditors Report...1-2 Management s Discussion And

More information

Optional Asset Allocation program for participants

Optional Asset Allocation program for participants Richard Gagne Retirement Security Education 0207662 What is GoalMaker? Optional Asset Allocation program for participants Uses professional asset allocation modeling based on portfolios created by Morningstar

More information

The following pages contain the following information about the Roy O. Martin Profit Sharing & Supplemental Savings Plan (the Plan ):

The following pages contain the following information about the Roy O. Martin Profit Sharing & Supplemental Savings Plan (the Plan ): Roy O. Martin Profit Sharing & Supplemental Savings Plan The following pages contain the following information about the Roy O. Martin Profit Sharing & Supplemental Savings Plan (the Plan ): Notice of

More information

WEBCOR, INC 401K PLAN Plan Code: FCI3 Product name: Lincoln Director SM group variable annuity

WEBCOR, INC 401K PLAN Plan Code: FCI3 Product name: Lincoln Director SM group variable annuity WEBCOR, INC 401K PLAN Plan Code: FCI3 Product name: Lincoln Director SM group variable annuity The purpose of this document is to provide you with important information regarding the WEBCOR, INC 401K PLAN

More information

PORTFOLIO PERFORMANCE INFORMATION

PORTFOLIO PERFORMANCE INFORMATION Bright Start College Savings Program-Advisor-Sold Plan Supplement dated January 11, 2016 to Program Disclosure Statement dated November 12, 2012 This Supplement amends the Program Disclosure Statement

More information

Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth.

Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth. Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth. wealth MANAGEMENT Choosing the right investment advisor is one of the most important

More information

New York University NYU STDA Plan

New York University NYU STDA Plan TIAA-CREF Quarterly Performance New York University NYU STDA Plan Performance as of 06/30/2013 Before making your investment choices and completing your enrollment form, you should consider the investment

More information

State of West Virginia Retirement Plus Deferred Compensation Plan - 98947-01 Investment Performance as of 01/29/2016

State of West Virginia Retirement Plus Deferred Compensation Plan - 98947-01 Investment Performance as of 01/29/2016 State of West Virginia Retirement Plus Deferred Compensation Plan - 98947-0 Investment Performance as of 0/29/206 Current performance may be lower or higher than performance data shown. Performance data

More information

Plan and Investment Notice

Plan and Investment Notice PRINCETON UNIVERSITY RETIREMENT PLAN Plan and Investment Notice Your participation in your employer's retirement plan is the first step to ensuring adequate retirement income. The purpose of this Plan

More information

Statement of Investment Policies and Objectives. University of Rochester Retirement Plan. April 2014

Statement of Investment Policies and Objectives. University of Rochester Retirement Plan. April 2014 Statement of Investment Policies and Objectives University of Rochester Retirement Plan April 2014 Contents Purpose 1 Philosophy 2 Delegation of Responsibilities 3 Investment Structure and Investment Option

More information

INTRODUCTION ENCLOSED NOTICES PARTICIPANT FEES ANNUAL DISCLOSURE STATEMENT

INTRODUCTION ENCLOSED NOTICES PARTICIPANT FEES ANNUAL DISCLOSURE STATEMENT Spectrum Pension Consultants, Inc. 6402 19th Street West Tacoma, WA 98466 , INTRODUCTION The enclosed Annual Participant Booklet APB is being

More information

Summary Prospectus April 25, 2016. JNL Institutional Alt 50 Fund Class A

Summary Prospectus April 25, 2016. JNL Institutional Alt 50 Fund Class A Summary Prospectus April 25, 2016 JNL Institutional Alt 50 Fund Before you invest, you may want to review the Fund s Prospectus, which contains more information about the Fund and its risks. You can find

More information

2015 Annual Fee Disclosure. Optional Retirement Plan for Higher Education

2015 Annual Fee Disclosure. Optional Retirement Plan for Higher Education P.O. Box 2500, Richmond, Virginia 23218-2500 Toll free: 1-888-VARETIR (827-3847) Web site: www.varetire.org E-mail: vrs@varetire.org 2015 Annual Fee Disclosure Optional Retirement Plan for Higher Education

More information

The Scripps Research Institute Employee Retirement Plan

The Scripps Research Institute Employee Retirement Plan The Scripps Research Institute Employee Retirement Plan Your guide to the updated TSRI retirement program Understanding Your TSRI Retirement Plans Employee Retirement Plan Highlights Key Dates Your Plan

More information

Proposed Retirement Plan Fee Disclosure Notice

Proposed Retirement Plan Fee Disclosure Notice Proposed Retirement Plan Fee Disclosure Notice The ABC Company 401(k) Plan (the Plan ) Contract Number 12345 For Services Provided by United of Omaha Life Insurance Company ( United of Omaha ), a Mutual

More information

MILWAUKEE JEWISH DAY SCHOOL INC P/S 401K PLAN Prudential Insurance Company of America Disclosure of Services and Fees August 10, 2015

MILWAUKEE JEWISH DAY SCHOOL INC P/S 401K PLAN Prudential Insurance Company of America Disclosure of Services and Fees August 10, 2015 MILWAUKEE JEWISH DAY SCHOOL INC P/S 401K PLAN Prudential Insurance Company of America Disclosure of Services and s August 10, 2015 The information in this document is designed to help you understand the

More information

THE PHILADELPHIA FOUNDATION, INC. INVESTMENT POLICY. APPROVED November, 2009

THE PHILADELPHIA FOUNDATION, INC. INVESTMENT POLICY. APPROVED November, 2009 THE PHILADELPHIA FOUNDATION, INC. INVESTMENT POLICY APPROVED November, 2009 I. MISSION The mission of The Philadelphia Foundation s (the Foundation) investment funds is to support current operations through

More information

May 1, 2015 as amended June 1, 2015

May 1, 2015 as amended June 1, 2015 INSTITUTIONAL INVESTOR May 1, 2015 as amended June 1, 2015 DATE TARGET FUNDS MyDestination 2005 Fund MyDestination 2015 Fund MyDestination 2025 Fund MyDestination 2035 Fund MyDestination 2045 Fund MyDestination

More information

Dow Jones Target Date Funds

Dow Jones Target Date Funds Wells Fargo Advantage Funds July 1, 2015 Dow Jones Target Date Funds Prospectus Classes A, B, C Target Today Fund Class A STWRX, Class B WFOKX, Class C WFODX Target 2010 Fund Class A STNRX, Class B SPTBX,

More information

The ratios provided here do not replace performance data, but are supplemental data intended to help investors analyze performance.

The ratios provided here do not replace performance data, but are supplemental data intended to help investors analyze performance. 3 & 5 Year Annualized & for the period ending Definitions: Excess Return (ER): a measure of an investment's annualized return in excess of a benchmark. (TE): a measure of the volatility of excess returns

More information

DICKINSON COLLEGE TAX DEFERRED ANNUITY PLAN

DICKINSON COLLEGE TAX DEFERRED ANNUITY PLAN DICKINSON COLLEGE TAX DEFERRED ANNUITY PLAN Summary of Plan Services and Costs This summary provides important information to assist you in making decisions related to your participation in the DICKINSON

More information

Flexible Premium Deferred Variable Annuity. Go paperless. Prospectuses April 30, 2016 Thrivent Variable Annuity Account A Thrivent Series Fund, Inc.

Flexible Premium Deferred Variable Annuity. Go paperless. Prospectuses April 30, 2016 Thrivent Variable Annuity Account A Thrivent Series Fund, Inc. Flexible Premium Deferred Variable Annuity Issued by Aid Association for Lutherans between 6/15/1995 and 4/30/2003. Prospectuses April 30, 2016 Thrivent Variable Annuity Account A Thrivent Series Fund,

More information

SAMPLE. Accessing Your Account

SAMPLE. Accessing Your Account Disclosure Date: 08/01/2012 Annual Participant Investment and Fee Disclosure Annual Participant Investment and Fee Disclosure you are eligible (or will become eligible) to participate in the ABC 401(k)

More information

Putnam RetirementReady Funds 11 30 07 Prospectus

Putnam RetirementReady Funds 11 30 07 Prospectus Putnam RetirementReady Funds 11 30 07 Prospectus CONTENTS Fund summaries......................2 Goals..............................2 Main investment strategies.............2 Main risks...........................5

More information

STATEMENT YOUR RETIREMENT YOUR RETIREMENT YOUR WAY ACCOUNT INFORMATION. Your Contribution Allocation. Your Account Allocation. Your Account Balance

STATEMENT YOUR RETIREMENT YOUR RETIREMENT YOUR WAY ACCOUNT INFORMATION. Your Contribution Allocation. Your Account Allocation. Your Account Balance SAMPLE ASSOCIATES 123 SAMPLE AVENUE SUITE 987 SAMPLE CITY, ZZ 12345-6789 YOUR RETIREMENT STATEMENT Period: January 01, 2013 through March 31, 2013 JOHN Q. PARTICIPANT 123 SAMPLE WAY SAMPLETOWN, ZZ 12345

More information

Participant Guide to Understanding Fee Disclosure

Participant Guide to Understanding Fee Disclosure Participant Guide to Understanding Fee Disclosure The cost to maintain a high-quality plan In the spirit of the fee disclosure rules issued by the U.S. Department of Labor (DOL), the Minnesota Deferred

More information

ETF Basics: An Introduction to ishares Exchange Traded Funds

ETF Basics: An Introduction to ishares Exchange Traded Funds ETF Basics: An Introduction to ishares Exchange Traded Funds Agenda Growth of ETFs and Barclays Global Investors The engine of ETFs Unique benefits of ETFs and ishares Low cost Tax efficiency Transparency

More information

Investment Policy For the 457(b) and 401(a) Deferred Compensation Plans

Investment Policy For the 457(b) and 401(a) Deferred Compensation Plans SACRAMENTO COUNTY Investment Policy For the 457(b) and 401(a) Deferred Compensation Plans Approved by the Sacramento County Board of Supervisors September 15, 2015 Resolution No. 2015-0686 Table of Contents

More information

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN Summary of Plan Services and Costs July 3, 2013 This summary provides important information to assist you in making decisions related to your participation

More information

Principles for investing success

Principles for investing success Principles for investing success Vanguard s principles for investing success. How would you rate your driving? Above average Average Below average Focus on the things you can control. GOALS Create clear,

More information

GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS

GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS General Information This Glossary of Investment-Related Terms for National Electrical Annuity Plan Participants (the

More information

Allianz Vision SM Prospectus

Allianz Vision SM Prospectus Allianz Life Insurance Company of New York www.allianzlife.com/newyork/ Allianz Vision New York Variable Annuity Allianz Vision SM Prospectus New York Variable Annuity Individual flexible-payment deferred

More information

Barnes Group Inc. Retirement Savings Plan. Start investing in yourself today, with help from the Retirement Savings Plan and Fidelity.

Barnes Group Inc. Retirement Savings Plan. Start investing in yourself today, with help from the Retirement Savings Plan and Fidelity. Barnes Group Inc. Retirement Savings Plan Start investing in yourself today, with help from the Retirement Savings Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish

More information