Update Your Contact Preferences
Receiving communication by e-mail offers you greater convenience and will help keep you up to date on topics related to your retirement plan. Here’s how to do this:
Are You Investing Enough For Retirement
Periodically, you may decide to invest more for retirement. This can be easily done using the following steps:
How To Update Your Beneficiaries
Keeping up-to-date beneficiary information on all of your accounts is easy to do and only takes a few minutes online. Most importantly, you can feel confident that your loved ones will receive the assets you intend for them to have.
If you have a workplace plan, like a 401, that’s serviced by Fidelity log in to your NetBenefits®Log In Required account to make these updates.
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Fidelity Rewards+ Exclusive Benefits For Wealth Management Clients
As a thank you for clients who invest at least $250,000 in professionally managed assets,7 we’re offering a wide range of benefits including:
Highest cash back rate for everyday purchases
Waived minimum investments on select lower-cost money market funds, giving you more choice for investing your cash
3 layers of advanced identity protection from IDnotify®, a part of Experian®
Invest more, get more. It’s that simple.
See what independent third-party reviewers think of our products and services.
Modify Your Investment Elections
Note: Any contributions to your account made after the effective date of this change will be directed into the investments you select.
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Need Help Call Fidelity
Most questions related to your Nazarene 403 Retirement Savings Plan account can be answered by phoning a Fidelity retirement services specialist at 866-NAZARENE . If you still have questions after doing this, phone Pensions and Benefits USA at 888-888-4656.
Also, Fidelity has a broad array of valuable tools, such as calculators and informational videos to assist in managing your financial life. We encourage you to explore their many resources.
Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. Eastern time, or on weekends or holidays, will receive the next available closing prices.
The investment options available through the plan reserve the right to modify or withdraw the exchange privilege.
Keep Your Personal Information Up
It is your responsibility to ensure your records are current with TIAA and Fidelity, including your name, mailing address, email address and beneficiary. You should periodically verify that your personal information is up-to-date, especially if you have a life event such as marriage, divorce, moving, where your name and or address or other personal information changes. Contact TIAA and Fidelity directly to submit a change in your personal information or to update your beneficiary.
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Managing Your Fidelity Account Online
A Nazarene 403 Retirement Savings Plan account has been established for most qualified Nazarene ministers with Fidelity Investments. You can learn about your account, create a username and password, establish how much you want to contribute, and modify your investments at www.netbenefits.com/atwork. Follow these steps to initialize your account:
- Visit www.netbenefits.com/atwork.
- Select Register at the top of the screen.
- You’ll be asked to confirm basic information and submit.
- Follow the instructions.
- Watch this video for assistance in set up of your PIN.
If you prefer to speak directly with a Fidelity retirement services specialist, you may phone 866-NAZARENE for assistance.
Annuities Provide Growth Potential And Flexibility
American Fidelity offers a variety of annuities that can be used as investments within a 403, 457, IRA or Roth IRA plan to help individuals plan for retirement. American Fidelity also offers annuities as non-qualified, after-tax annuities for personal retirement savings. Annuities provide a valuable savings vehicle with growth potential and flexibility. A key advantage that annuities offer over typical methods of saving is the opportunity for guaranteed lifetime income. Annuities can provide benefits and features that may be beneficial to a diversified portfolio and can be a valuable retirement planning tool.
- Fixed Annuity: An insurance contract that allows the owner to accumulate interest with minimal risk. American Fidelity guarantees both the principal and interest on our fixed contracts and there is a guaranteed minimum rate of interest which the contract will never pay less than, as long as the contract is in force.
- Variable Annuity*: This contract allows the potential for greater returns on investments over the long term by allowing the owner the ability to invest in various market-based portfolios. In a variable contract, principal, interest, and market gains are not guaranteed and are therefore not suitable for everyone.
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Suny 403 Authorized Investment Providers
The SUNY Voluntary 403 Savings Plan currently offers employees a choice of four different Investment Providers offering annuity* investment products and one Investment Provider offering 403 mutual fund** investment products . Participants in the SUNY Voluntary 403 Savings Program may invest with any one or a combination of the currently Authorized Investment Providers, subject to IRS limits.
To enroll in the SUNY Voluntary Savings 403 Program, follow the enrollment instructions for your campus on . You will also need to complete an enrollment application form from the Investment Provider you wish to work with. Please contact the Investment Provider listed below directly to enroll or with any specific questions about their products or services.
- – This is a listing of the VALIC Investment Agents assigned to each campus to assist employees with enrollment, investment allocation decisions, and to provide them with professional retirement planning services.
Please visit for summaries of fund investment performance and fees, and contact your investment provider for more information.
Your Annual Retirement Savings Tune
Here are some steps you can take now to help you build financial freedom for your retirement.
You can meet with TIAA and Fidelity Investments retirement specialists to review your retirement savings goals, receive personalized advice on selecting investment funds, and help you plan your path to a secure retirement.
To schedule an appointment call:
Fidelity Investments: 642-7131
Phishing emails can include solicitations from firms other than TIAA and Fidelity. Representatives from these firms may offer to meet with you to provide advice about your U-M retirement accounts. TIAA and Fidelity are the only companies authorized by U-M. If you dont already have an established relationship with a company or a person who offers these services, it might be a phishing solicitation. Call the Shared Services Center at 615-2000 to check whether an email is suspicious.
Take steps to safeguard your retirement savings account and prevent unauthorized use of your identity and information.
What Do I Need To Know
Taking the time to choose your beneficiaries now can help your family avoid probate later. Please tell your family or friends if you’ve selected them as a beneficiary, because your beneficiaries must contact Fidelity themselves to receive their assets. We’ll distribute your assets to your beneficiaries without requiring a will or other legal documents.
You’ll need to assign at least one beneficiary for each account most of the time you can add, change, or delete your beneficiaries online. To get started, please provide:
- Beneficiary type
- Social Security number
You can also name contingent beneficiaries. Contingent beneficiaries receive your assets if there is no living primary beneficiary.
Note: Some retirement accounts or plans may require spousal consent , Keogh) before you can add or change the beneficiary.
If you do not see the account you want to update on the Beneficiary Summary page, and its not an annuity or a NetBenefits® account, you may have a workplace plan that’s not serviced by Fidelity. To request changes, contact your plan’s administrator or trustee.
Important: Select Your Funds And Name Your Beneficiary
If you enrolled in the Basic Retirement Plan, SRA or 457 plans, the investment funds and beneficiary designations for your accounts are a default unless you specifically made changes. You may change these at any time by contacting TIAA or Fidelity Investments. Note that any changes you make must be done for each account for which you have enrolled.
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Review Communications From Tiaa And Fidelity
TIAA and Fidelity will send quarterly statements, tax reporting documents, various disclosures, and confirmation of transactions such as transfers, rollovers and withdrawals to your address or email that is on file with them. They will also send confirmation of other transactions like an address or name change or password reset to you. If you request a password reset, make sure your TIAA and Fidelity mailing address and email are current. Updating your address with the university does not update your address with TIAA or Fidelity. You should carefully review all reported transactions for accuracy and appropriateness. If any are inaccurate or appear questionable, contact TIAA and Fidelity immediately.
Questions About Your Benefits?
Trinity Health 403 & 401 Retirement Savings Plans
We have partnered with Fidelity Investments to provide you with the tools and resources to help you plan for your future. Your NetBenefits account provides quick online access to your balances, account information, and required disclosures.
If you are a newly hired or rehired colleague, you will be automatically enrolled in the retirement plan at a contribution rate of 2% of pay, 35 days after your hire date. You can adjust your salary deferral contribution at any time by contacting Fidelity.
Fidelity Planners offer complimentary consultations to get one-on-one help with topics like:
- Investing strategies
- Retirement planning
You don’t have to know all the answers. You can create an ongoing relationship with Fidelity to help you take a comprehensive view of your finances and create a personalized plan. Call 866-715-5959. Phone appointments are also available, Monday through Friday, from 8 a.m. to 8 p.m. ET. Or visit www.fidelity.com/ask
Help Maximize Every Trade With Our Tools Research And Execution
In 2022, StockBrokers2 rated Fidelity #1 Overall Broker. Kiplingers3 rated Fidelity Best Online Broker in 2021. For 2022, NerdWallet4 rated Fidelity the Best App for Investing and the Best Online Broker for Beginning Investors. Investopedia5 also rated Fidelity Best Online Broker and Best Broker for Low Costs in 2022.
Passive And Active Funds
If you want to select from passive and active funds that are monitored by Emory, the plan offers a number of passively and actively managed funds for your asset allocation.
The funds have been selected for Emory by CAPTRUST, a leading investment consulting firm, with consideration of performance, fund management, fees and other important characteristics.
The investments include funds across several asset classes, such as domestic and international equities, as well as fixed and guaranteed income investments. Its up to you to decide how much risk you want in your portfolio and how to allocate your assets among the funds. Each of the vendors offer tools and guidance to help you. As a rule, you should periodically evaluate your investments and retirement portfolio based on your goals, risk tolerance and time horizon.
- Passively Managed Index Funds: A passively managed fund, or index fund, strives to deliver the return of a specific market index, such as small blend stocks. The lineup offers passive funds across several major asset classes. These funds are offered at a relatively low cost.
- Actively Managed Funds: An actively managed fund strives to deliver returns that are better than the related market index, through active selection of stocks and other investments by a professional fund manager. The cost of actively managed funds may be higher than passively managed funds.
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Trading Faqs: Trading Restrictions
Good faith violation example 2:Cash available to trade = $10,000, all of which is settled
- On Monday morning, the customer purchases $10,000 of XYZ stock.
- On Monday mid-day, the customer sells the XYZ stock for $10,500.
- At this point, no good faith violation has occurred because the customer had sufficient funds for the purchase of XYZ stock at the time the purchase was made.
- Near market close, the customer purchases $10,500 of ABC stock.
- A good faith violation will occur if the customer sells the ABC stock prior to Wednesday when Monday’s sale of XYZ stock settles and the proceeds of that sale are available to fully pay for the purchase of ABC stock.
Good faith violation example 3:Cash available to trade = $15,000, of which $5,000 is from an unsettled sell order from Friday that is due to settle on Tuesday.
- On Monday morning, the customer purchases $15,000 of ABC stock.
- The purchase is not considered fully paid for because the $5,000 in proceeds from the sale of stock from the previous Friday will not settle until Tuesday.
- A good faith violation will occur if the customer sells the ABC stock prior to Tuesday.
A cash liquidation violation occurs when a customer purchases securities and the cost of those securities is covered after the purchase date by the sale of other fully paid securities in the cash account.
Cash liquidation violation example 1:Cash available to trade = $0.00
Free riding example 1:Cash available to trade = $0.00
Modify Your 403 Contribution
Note: All contribution amounts must be in whole percentages and changes will become effective with the current or next pay period, or as soon as administratively possible.
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What To Expect
After you’ve updated your beneficiaries:
- If you’ve updated online, and no additional consent or paperwork is needed, your changes will be effective in just a few minutes
- When spousal consent is required, your beneficiaries will typically be updated within three business days after we receive the paperwork or email approval
- You can track the status of your update in Your TransactionsLog In Required
- You’ll see your changes on the Beneficiary Summary page
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