Retirement Savings Plan investment options

When you enroll in the Retirement Savings Plan, you need to select one or more investment options for your contributions. If you do not make an investment selection, your contributions will be directed to the Fidelity Freedom Index Fund that most closely matches the year you would reach age 65. After that, you may change the allocation of your future contributions as often as you wish.

There are many investment options, each with a different investment risk and return profile, and the Retirement Savings Plan enrollment guide shows where each falls relative to the other options on that spectrum. Available fund options include:

• Allspring Special Large Cap Value Fund (EIVFX): invests at least 80% of assets in equity securities, with an emphasis on large-capitalization companies that are believed to be undervalued by the market.
• Dodge & Cox Income Fund (DODIX): invests at least 80% of assets in investment-grade debt securities and cash equivalents.
• Fidelity 500 Index Fund (FXAIX): invests at least 80% of assets in stocks included on the S&P 500 Index.
• Fidelity Diversified International Fund — Class K (FDIKX): invests primarily in non-U.S. securities.
• Fidelity Extended Market Index Fund (FSMAX): invests at least 80% of assets in stocks in the Dow Jones U.S. Completion Total Stock Market Index, representing mid- to small-capitalization U.S. companies.
• Fidelity Freedom Index Funds (FIKFX): each fund invests based on the participant’s anticipated year of retirement.
• Fidelity Global ex U.S. Index Fund (FSGGX): invests at least 80% of assets in securities included in the MSCI All Country World ex USA Index.
• Fidelity Growth Company Fund — Class K (FGCKX): invests primarily in domestic and foreign stocks that Fidelity Management & Research Company believes offer the potential for above-average growth.
  
• Fidelity Investments Money Market Government Portfolio — Institutional Class (FRGXX): invests at least 99.5% of assets in cash, U.S. Government securities, and/or repurchase agreements.
• Fidelity Real Estate Investment Portfolio (FRESX): invests at least 80% of assets in securities of companies principally engaged in the real estate industry and other real estate-related investments.
• PC(USA) Socially Responsible Balanced Fund: invests in the PC(USA) Socially Responsible U.S. Equity Portfolio, a socially screened equity portfolio benchmarked to the Russell 3000 Index, and the Fidelity Intermediate Treasury Bond Index Fund —Premium Class; invests in both stocks and bonds.
• PC(USA) Socially Responsible U.S. Equity Fund: invests in the PC(USA) Socially Responsible U.S. Equity Portfolio, a socially screened equity portfolio benchmarked to the Russell 3000 Index; invests primarily in stocks.
  

The Retirement Savings Plan Investment Options Guide includes a description of each fund. Fidelity provides a quarterly Investment Options Performance summary for the Retirement Savings Plan funds, while more in-depth information can be found on the Fidelity NetBenefits website. You may invest in any of the available funds in 1% increments.

You may change your investment elections for your existing account balance and/or future contributions at any time. It’s a good idea to carefully read the investor information (prospectus) on Fidelity’s website for details about the funds and to learn about any fees associated with frequent investment changes.

You can change investment allocation (how your account is invested) and make exchanges among investment options on the Fidelity NetBenefits website, or by calling Fidelity Investments at 800-343-0860.

Investment resources offered through Fidelity include a brokerage window (Fidelity BrokerageLink*), Personalized Planning & Advice* (investment advice through Strategic Advisers Inc., a Fidelity affiliate), online tools and education, and education workshops and seminars.

*These are optional, fee-based services.