Retirement Savings Plan investment options
The Retirement Savings Plan offers a variety of investment options through Fidelity Investments. These funds have various investment objectives and strategies that you can use alone or in combination to meet your retirement objectives.
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
- Dodge & Cox Income Fund
- Fidelity 500 Index Fund
- Fidelity Diversified International Fund — Class K
- Fidelity Extended Market Index Fund
- Fidelity Freedom Index Funds (also known as Target Date Funds)
- Fidelity Global ex U.S. Index Fund
- Fidelity Growth Company Fund — Class K
- Fidelity Investments Money Market Government Portfolio — Institutional Class
- Fidelity Real Estate Investment Portfolio
- PC(USA) Socially Responsible Balanced Fund
- PC(USA) Socially Responsible U.S. Equity Fund
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.