Your retirement plan choices

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1 Your retirement plan choices

2 Why join? If you want to retire someday, then saving is a must. It s the single most effective way to reach a comfortable retirement. It s important because experts estimate that you will need 70% to 80% of your annual income for each year you live in retirement. Saving consistently over time can help you accumulate significant wealth, better preparing you to handle the future costs of retirement including the rising costs of health care for retirees. In fact, most experts suggest you save 10% to 20% of your salary every year to build a sufficient nest egg. And while Social Security payments can provide some income in retirement, they frequently are not enough. It s important for your health physical as well as financial to ensure that you ve saved enough for your retirement. As part of the Healthy@Hopkins program, your 403(b) retirement plan is designed to improve your chances of achieving good health. By enrolling in the retirement plan, you re building a solid foundation for retirement income one that will include your retirement plan contributions and earnings, University contributions and earnings, your personal savings and Social Security payments. The University can help The most important choice you have is simply to join the Johns Hopkins University retirement plan it s never too early or too late to enroll! The plan makes it easy and convenient for you to save for retirement by offering: University contributions. Depending on which plan you are eligible for, the University will make contributions to your account. You are always 100% vested in any University contributions made on your behalf. o Staff Voluntary 403(b) Retirement Plan. Once you complete two years of service and are eligible to participate in the University contribution, the University will contribute $0.20 to your plan account for every $1 you save, up to 3% of your salary. o Faculty and Senior Staff Retirement Plan. The University will make monthly contributions to your account when you reach age 35 or complete two years of service, whichever event occurs first. The contribution will be equal to 6% of your base salary up through age 34, increasing to 12% of your base salary when you reach age 35. Payroll deductions. You save before you can spend because money is deducted automatically from your pay and deposited in your plan account. You are always 100% vested in your pre-tax contributions. The IRS limits your pre-tax contributions to the plan to $16,500 in If you will be age 50 or older in 2009, you can make an additional $5,500 catch-up contribution. Note that if you have worked 15 or more years with the University, you may be able to contribute more than the normal IRS limit for the year, up to an additional $3,000. Rollover or direct transfer contributions. To the extent permitted by the plan and applicable law, you may make rollover or direct transfers to the plan. Tax advantages. You contribute before state and federal taxes are deducted, so your tax bill is lower. And you don t owe taxes on your contributions or earnings until you withdraw the money, which may be years from now. Compound rate of return. The money you invest can produce earnings. These earnings may earn a return, and continue to grow, year after year. The result? Your savings can really add up over time. Flexibility. You can raise or lower your contributions monthly. You also can change your investment mix whenever you wish. Portability. If you leave the University, you can take your savings with you. Industry leaders. Johns Hopkins University has selected five well-known and respected investment companies for you to choose. You can invest your savings with one or a combination of financial vendors. You can find the Summary Plan Descriptions which summarize the details of your retirement plan on the Benefits Web site at 2

3 Get started now Once you ve decided to join the plan, this guide can help you: Learn about the types of investments that are offered. Compare the investment vendors. Consider the investment tools offered by each investment vendor. Contact the investment vendors to get more information and enroll in your plan. Learn key investment terms. It s easy to enroll To get started, you will need an election form and application form from your selected vendors. Complete these six simple steps to join the plan: 1.Request an enrollment information kit from the Benefits Service Center or, if you know which vendors you would like to use, go to the Benefits Web site ( under Forms and download the applications. 2. Complete the Salary Reduction Agreement (found in the back of this guide). This form allows you to set your contribution amount and designate your account s investment vendor(s). 3. Complete the investment company enrollment applications to choose your investment options and designate beneficiaries. If you do not choose an investment option to receive your contributions, your contri- butions will be invested in an appropriate target date fund (the default investment) with your chosen vendor. Note: The plan is intended to constitute a plan described in Section 404(c) of the Employee Retirement Income Security Act of 1974 (ERISA) and Title 29 of the Code of Federal Regulations Section 2550, 404(c)-1. Because the plan satisfies these requirements, the plan's fiduciaries may be relieved of liability for any losses which are the direct and necessary result of investment instructions given by you. 4. Contact the chosen vendors if you have any questions concerning the investments offered. Contact information for each vendor can be found in the table on pages 6 and Return your completed Salary Reduction Agreement and your investment company enrollment applications to the Benefits Service Center at 1101 E. 33rd Street, Suite D-100, Baltimore, MD or fax to Review your pay check to ensure that the correct amount is being deducted. You will also receive a welcome kit from the investment vendor to let you know that your account is active. Questions? Contact the Benefits Service Center by at benefits@jhu.edu or by phone at Office hours are Monday through Friday from 8:30 a.m. to 5 p.m., Eastern time. 3

4 The investment vendors and their products You have five investment companies from which to choose. Each offers various investment options and services. The information on the following pages is offered to help you choose a vendor. Target-date funds American Century, Fidelity, TIAA-CREF, and Vanguard offer one-decision, target-date funds. Consider choosing the date-specific fund closest to your expected retirement date. If you re not sure when you ll retire, just choose the fund closest to the year in which you ll turn age 65. Your fund will automatically shift from stocks to bonds and short-term reserves as you get closer to retirement. Annuities TIAA-CREF and VALIC offer the option of buying an annuity, a contract between an individual and an insurance company. Like mutual funds, TIAA-CREF and VALIC annuities allow you to create your own portfolio using a mix of stocks, bonds, and short-term reserves. In addition to other distribution options, such as lump-sum and periodic withdrawals, an annuity is the only product that gives you the option to receive a guaranteed stream (subject to the claims-paying ability of the insurance company) and/or variable stream of retirement income designed to last for your and, if applicable, your annuity partner's lifetime. A balanced portfolio of mutual funds When you invest with any vendor in the plan, you can create your own portfolio using a mix of stocks, bonds, and short-term reserves. If this option is appealing to you, but you don t feel confident selecting your own funds, each investment vendor offers simple tools to help you choose the funds that are right for you. In-person assistance Representatives from each of our investment vendors visit the campus several times each month. You can sign up for a free one-on-one meeting to discuss your account and get answers to your questions. The investment vendor schedule can be found on the homepage of the Benefits Web site at Accessing your money For more information about taking loans, requesting hardship withdrawals and distributions, and other details about the plan, refer to your plan s Summary Plan Description, available at under both the Summary of Plans and Retirement sections. 4

5 Investment tools Making decisions about investing for your retirement can be tricky. With so many factors to consider, it s important to be sure that your decisions are well informed and comprehensive. That s why every investment company in the plan offers investment tools to help you make your decisions. Depending on the investment vendor, you ll have access to several in-person, online, and other advice tools such as financial planning, counseling, and budget management that can help you manage your account, choose investment options, decide how much to save, and more. These tools include on-campus meetings with company representatives; websites either hosted by the companies themselves or designed specifically for the plan; and printed and online surveys, calculators, worksheets, newsletters, and articles. You may even have access to specific services offered by the company. The chart on the following page contains a general section about the investment tools offered by each investment company. For more information about each investment company s tools, contact the investment company directly. 5

6 Compare investment companies American Century Investments Fidelity Investments Investment choices Choose from more than 70 no-load mutual funds (many of which are not available to other new investors), including, stock, bond and short-term cash funds, index and actively managed funds and all-in-one asset allocation funds. Fidelity Investments offers over 175 mutual funds to help you meet your investment goals. Investment options include conservative, moderately conservative, aggressive, sector, index and lifecycle funds. Why choose this vendor? American Century Investments has been focused on performance for over 50 years. As a privately held company whose sole business is managing money, the firm is committed to doing the right thing for investors and providing superior results. Additionally, over 40% of profits support medical research. Fidelity Investments is the largest mutual fund company in the United States, the No. 1 provider of workplace retirement savings plans, the largest mutual fund supermarket and a leading online brokerage firm (all as of May 31, 2009). Fidelity brings this experience to help you manage your priorities at every stage of your life. Management fees/ Other expenses All funds are no-load (no up-front or back-end sales charges). For a complete list of expense ratios, visit There is no annual maintenance charge for JHU employees. Please go to click the Investing tab at the top of the web page, then mutual funds for additional expense information on any of Fidelity s funds. Changing your investments Typically, there are no limits on moving assets between investments. However, there are excessive-trading limits as well as short-term trading fees for some funds. Contact American Century Investments for additional information. Typically, there are no limits on moving assets between investment options or to or from another company. However, there are excessivetrading limits as well as short-term trading fees for some funds. Contact Fidelity at for additional information. Investment tools provided Free advice and guidance. 401(k)/403(b) Contribution Calculator, which shows the effect of contributions on your paycheck. Access a wide variety of retirement planning tools to see if your savings are on track for retirement. Go to and log in to your NetBenefits account. Investment Planner, which provides specific fund suggestions based on your risk profile and time frame. Planning for Your Retirement, which provides recommendations for in-depth planning. elearning tools include Web Workshops, Retirement Income Planner and Portfolio Review. To schedule a confidential consultation with an onsite Retirement Counselor, call Time Value Calculator, which shows how contributions build over time. Enrollment, fund performance and more Visit or call weekdays from 8 a.m. to 6:30 p.m., Eastern time. Call Monday through Friday from 8 a.m. to midnight, Eastern time, to speak with a Retirement Services Specialist. Visit NetBenefits at 6

7 TIAA-CREF VALIC Vanguard TIAA-CREF s fund family and annuity investments cover a full spectrum of asset classes and investment styles, including equity (active, indexed, enhanced index and socially responsible), fixed income, Lifecycle (asset allocation) and real estate. VALIC offers more than 60 fixed and variable investment options. You have the choice of combining two approaches: fixed-interest options to help stabilize your portfolio, and variable options with the potential for greater returns. More than 70 mutual funds, including Vanguard Target Retirement Funds, index, and actively managed mutual funds; stock and bond funds; and short-term reserve options. TIAA-CREF is a full service financial services group of companies that has dedicated itself to helping those in the academic, medical, cultural and research fields for over 90 years. TIAA-CREF has a clear and long commitment to serving the financial best interests of those who serve the benefit and enlightenment of others. VALIC has more than half a century of experience helping Americans plan for and enjoy retirement. The company offers products and services for retirement plans and programs that are innovative and easy to use, providing one-on-one service and customized solutions for individual needs. Vanguard is one of the world s largest investment management companies, serving individual investors, institutions, employer-sponsored retirement plans, and financial professionals. Vanguard offers investors exceptional value through a dedication to outstanding performance, superior service, and low costs. As a not-for-profit organization, TIAA-CREF keeps operating costs low, charging fees that are less than half the industry average (source: Lipper Inc.). TIAA- CREF annuities and mutual funds come with no sales charges or fees to transfer between investments. Variable options incur Separate Account Fees ranging from 0.21% to 1.35%. Net Fund Annual Expenses range from 0.21% to 1.35%, depending on the contract and variable investment option selected. Expense ratios range from 0.18% to 0.91% per fund. No loads. Some funds charge redemption fees on fund shares that are not held for a certain minimum period of time. A small number of funds charge a purchase fee. Participants may transfer funds freely among the CREF variable annuity accounts and TIAA-CREF mutual funds available under the plan. Transfers from TIAA Real Estate are limited to one per calendar quarter. Transfers from TIAA Traditional (fixed annuity) are available in 10 substantially equal annual installments. There is no charge for transferring amounts among investment options. You can transfer all or part of variable account values. If you transfer money into the Short-Term Fixed Account, your money can be transferred from the account in 90 days. Participants are never barred from exchanging out of a fund. After money is exchanged out of a fund, however, it may not be exchanged into the same fund for a period of 60 days. At TIAA-CREF, you re more than a client you re a participant. We are dedicated to helping you stay in control of your account, anytime. To schedule a one-on-one counseling session with a representative from TIAA-CREF, visit or call , Ext Advice and Planning Tools are available at to help you: Save for Retirement, Save for Education, Manage Income and Expenses, Protect Against the Unexpected and Develop an Estate Plan. VALIC advisors continue to set the standard for personalized service and work closely with their clients to ensure they stay on track for a secure retirement. Investment guidance and financial plans are available to all participants. To schedule an appointment, please call your local office at You can also visit the custom website at You can access account information, fund performance, and a host of interactive financial planning tools and calculators. Visit to schedule a one-on-one meeting with a representative from Vanguard. Custom enrollment website at Use the Investor Questionnaire, to determine your investment goals, time horizon, and tolerance for risk. Free financial plans from Vanguard Financial Planning Services for participants age 55 and older. Visit or call Monday through Friday from 8 a.m. to 10 p.m., and Saturday from 9 a.m. to 6 p.m., Eastern time. Visit VALIC.com, or call Monday through Friday from 8 a.m. to 9 p.m., Eastern time. Visit Vanguard.com or call for fund and account information. 7

8

9 403(b) Salary 403(b) Salary Reduction Reduction & & University University Contribution Contribution Agreement Agreement For Faculty and Staff For Facult y and Staf f Name: Last First Social Security No: Birthdate: Prior JHU Service: to Former Name (if applicable): Effective for amounts earned on or after the first day of: PERNR: (month/year) (If unknown; leave blank) Deduction will be taken based on receipt of complete enrollment: by the 5 th - second pay date of the month; by the 20 th first pay date of the next month. Section I. Salary Reduction Election Amount Complete only if you are making a first election or changing the amount of your existing salary reduction. A. A voluntary amount of $ per pay. The minimum voluntary contribution is $7.50 per pay (semi-monthly payroll) or $3.75 per pay (weekly payroll). B. The annual maximum voluntary amount allowed by the Internal Revenue Code and administratively practical to be taken over the remaining pay periods of the year. Amount adjusts annually. C. University contributions only (eligible Faculty & Sr. Staff). Section II. Determine Your Eligibility Status Criteria University Contribution Eligible Employee Voluntary Contribution Eligible Complete Sections Below Age: 35 or olde r OR Faculty or Service:2 or more yrs Yes Yes A or A & B Sr. Staf f Age: Under 35 AND Service: less than 2 yrs No Yes B Service: 2 or more yrs Support Staff or Yes Yes A & B Bargaining Unit Service: less than 2 yrs No Yes B Section III. Investment Company Allocations Complete below for initial allocation or to change your existing allocation. Elections must be in whole percentages totaling 100%. If establishing an account with a new investment company, please attach their enrollment application. If application not received, contributions default to the investment company s age-appropriate life cycle fund. A. University Contributions B. Employee Voluntary Contribution American Century Investments Fidelity Investments TIAA-CREF Regular Annuity VALIC The Vanguard Group American Century Investments Fidelity Investments TIAA-CREF Supplemental Annuity TIAA-CREF Regular Annuity VALIC The Vanguard Group Total 100% Total 100% 9

10 403(b) Salary Reduction & University 403(b) Contribution Salary Reduction Agreement & Univer sity Contribution Agreement Section IV. Prior Pre-tax Contributions (Required for new enrollments) Select one of the following: I made no pre-tax contributions through my previous employer in this calendar year. My total pre-tax contributions through my previous employer in this calendar year were $. Section V. Termination of Agreement Please terminate my salary reduction agreement. I understand that I must sign a new Salary Reduction form if I want to resume voluntary contributions in this plan in the future. Section VI. Employee Authorization I hereby authorize Johns Hopkins University (JHU) to reduce my gross salary by the amount indicated in Section I. Such salary reduction amount will be applied by JHU to purchase one or more annuity contracts and/or mutual funds for me as indicated in Section III. When the maximum is elected, I understand that unless I otherwise instruct, this amount will be adjusted periodically to maintain my maximum contribution. This authorization will remain in effect until the Benefits Service Center either receives written notice of termination of this agreement in Section V from me, a new valid salary reduction agreement signed by me, I die, I become totally disabled, or my JHU employment terminates, whichever shall first occur. I agree that I can only withdraw these contributions in accordance with the plan document and the provisions under the annuity contracts and/or mutual funds that I elect to use. I understand this agreement is subject to approval by JHU, and I accept full responsibility for all the effects of this agreement. Employee Signature Work Phone Date Office Use Only: Benefits Service Center: Signature Benefits Shared Services: Signature Date Date Return Form to: Rev. 8/09 JHU Benefits Service Center 1101 E. 33 rd Street, Suite D100 Baltimore, MD FAX: BSC/BSS Use Only : New Election Change in Election Termination of Election Eligibility Date Prior Service (552) Prior Contribution (510) IT41 10

11 Commonly used terms Active management Active management An investment strategy that seeks to outperform the average returns of the financial markets. Active managers rely on research, market forecasts, and their own judgment and experience in selecting securities to buy and sell. Annuity A contract between an individual and an insurance company. An annuity is the only product that gives an individual the option to receive a guaranteed stream (subject to the claims-paying ability of the insurance company) and/or variable stream of retirement income designed to last for their and, if applicable, their annuity partner's lifetime. Asset allocation The apportioning of investment dollars among various asset classes, such as cash investments, bonds, and stocks. Also known as investment mix. Asset transfer A transfer of retirement plan assets from one custodian to another. No actual distribution is made to the account holder, so there is no tax liability or IRS reporting requirement. Balanced fund A mutual fund that seeks to provide some combination of growth, income, and conservation of capital by investing in a mix of stocks, bonds, and/or money market instruments. Beneficiary The inheritor of an account s assets in the event of the account owner s death. Bond fund A mutual fund that emphasizes income consistent with risk, rather than growth by investing in corporate, municipal, or U.S. government debt obligations, or some combination. Default investment The investment option selected for plan participants who do not specify how their contributions should be invested. Direct rollover Movement of tax-deferred retirement plan money from one qualified plan to another. No immediate tax liabilities or penalties are incurred, but there is an IRS reporting requirement. Employer contributions Money deposited in employee retirement accounts by their employer, the sponsor of the retirement plan. Exchange The transaction a participant processes to move assets from one fund to another within their account. Expense ratio A mutual fund s annual operating expenses including management fees, administrative fees, and any marketing and distribution fees expressed as a percentage of average net assets. Expense ratios, which directly reduce returns to investors, do not take into account loads, redemption fees, or purchase or transaction fees. Index An unmanaged group of securities whose overall performance is used as a standard to measure investment performance. Example: The S&P 500. Index funds seek to parallel the performance of a particular index. Market capitalization A determination of a company's value, calculated by multiplying the total number of company stock shares outstanding by the price per share: Small-cap Companies valued at less than $2.1 billion. Mid-cap Companies valued between $2.1 billion and $17.6 billion Large-cap Companies valued at more than $17.6 billion. Money market fund A mutual fund that seeks income, liquidity, and a stable share price by investing in very short-term investments. Mutual fund An investment company that pools the money of many shareholders and invests it in a variety of securities in an effort to achieve a specific objective over time. No-load fund A mutual fund that charges no sales commission or load. Stock fund A mutual fund having holdings consisting mainly of stocks. Target-date fund A balanced mutual fund that automatically shifts assets from more risky investments to more conservative investments as a stated target date approaches. Also referred to as a life-cycle fund. Voluntary contributions Contributions to a retirement account that an employee elects to have deducted from his or her pay. 11

12 For more information about any fund, including investment objectives, risks, charges, and expenses, call the investment vendor to obtain a prospectus. The prospectus contains this and other important information about the fund. Read and consider the prospectus information carefully before you invest. You can also download fund prospectuses at each fund company s Web site. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in such a fund. American Century online at or phone Fidelity online at or phone TIAA-CREF online at or phone VALIC online at or phone Vanguard online at or phone Vanguard Financial Planning Services are provided by Vanguard Advisers, Inc., a registered investment advisor. Portfolio Review is an educational tool. Retirement Income Planner, an educational tool, is developed and offered for use by Strategic Advisers, Inc., a registered investment adviser and Fidelity Investments company. S&P 500 is a trademark of The McGraw-Hill Companies, Inc., and has been licensed for use by The Vanguard Group, Inc. Vanguard mutual funds are not sponsored, endorsed, sold, or promoted by Standard & Poor s, and Standard & Poor s makes no representation regarding the advisability of investing in the funds. Financial Engines is a trademark of Financial Engines, Inc The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor of the Vanguard Funds

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