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See how automated portfolio service,Managed Advice, can help keep you on course to and through retirement. This will help guide which investments you choose. Through JHU's myChoices Retirement portal, you can enroll, view your current plan, make changes to your contribution, or otherwise manage your JHU retirement savings at any time of the year. Fees and expenses have always been part of a retirement savings plan-some fees are associated with the administration of the plan and may be covered by your employer, while others are paid by you based on the specific investments and services you choose. Consider adding annuities1 to your retirement plan so you can create a foundation of guaranteed monthly income for life when you stop working. Many employers offer contribution matching. YjhhNGJhOTk4NzZjYTM2MzA1ZTUyZDFjZGI2MmVhN2UxNGYyYjljNjI3ZGQw This review is focused on the recordkeepers and investment menu of the 403(b) plan, and the university is currently not considering changes to the plan's design, such as changes to the employer contribution. Faculty 403(b) Eligibility. If you don't see "Beneficiaries" from your online account, please contact your plan administrator. The models are subject to a number of limitations. All Transamerica companies are affiliated, but are not affiliated with your employer. For help and advice, schedule an appointment with a TIAA investment professional or attend a seminarOpens in a new window. In an email to faculty and staff, Heidi Conway, vice president for human resources, invited faculty and staff to learn more about the process on the HR website and by attending one of several town hall meetings in January and February. Future healthcare expenses are important to consider as you build a long-term retirement strategy. However, diversification doesn't guarantee against loss. Mutual funds offer systematic withdrawals. As much as we'd all like to live forever (in good health, of course), it's important to plan for the future. You may receive the university's matching contribution if you are a full-time or part-time support staff or bargaining unit member after two years of service. For more information on fees and investments, refer to "Mutual Funds and In-Plan Annuities" via TIAA.org/performanceOpens in a new window. Social Security will only replace about 40% of your pre-retirement income for the average worker, so you and your employer need to cover the rest. Owning mutual funds can reduce risk through diversification and professional management, and allow you to potentially invest in a broad range of asset classes U.S. and non-U.S. stocks, bonds, and real estate with smaller amounts of assets. Your financial well-being is TIAA's top priority and we are committed to helping you make informed decisions. Find out who to contact about enrollment or investing. For employer-sponsored retirement plans, your required beginning date is April 1 of the year following the calendar year in which you reach your RMD Applicable Age or retire from the plan sponsor, if later. You can: Speak with a retirement plan specialist to review your options. Competitive health plans for employees and dependents including Medical, Dental and Vision and Telehealth; Ten (10) Paid Holidays; Accrued PTO (total of 156 hours 1st year) No weekends, or holiday work required; Employee Assistance Network; FINANCIAL WELL-BEING BENEFITS. The most you can contribute in 2023 is $22,500 per IRS rules. You can withdraw or transfer the value of your Plan account when you retire or leave the university. ZmQxMjRjOTI2OTU1NTRiYjVlNmM4OTJiNGY4OWYwNWQ1ZGIyMzVjN2U1OTE0 NzAxMWI1YjM4Y2VlMDhmNGQxMDY3ZGM4ZDU3YjQ2YzlmZjRmNjJiOTA4NzRk You are always 100% vested in all contributions, including those from the university. Otherwise, mutual funds and annuities are treated very similarly when offered as part of your employers retirement plan. MjFhMTRlYTA1NDIzMGY3YjEyNjZjMTE2YTRiYjJhZTE4ZDdjY2M5MzY0MzM2 In addition to all personal information you have inputted into your Retirement Profile, Advice Services Profile, or your Managed Advice Profile, and, if applicable, any retirement plan information that Transamericas record keeping system maintains such as account balance, contribution rates, asset allocation and retirement plan information, the probability illustrations contemplate tax rates, retirement needs, social security, and future cash flows. Your plan's funds - JOHNS HOPKINS UNIVERSITY 403 (B) PLAN Your plan offers the following diversified lineup of funds. If you believe Wordfence should be allowing you access to this site, please let them know using the steps below so they can investigate why this is happening. As of the first quarter of 2016, these 403 (b) plans accounted for $876 billion in assets, compared with $4.75 trillion in 401 (k) plans, according to the Investment Company Institute. The returns you experience may be materially different than projections. We offer several different retirement plans, depending upon your job classification and hire . Do you have retirement accounts with former employers? 403(b) retirement savings plan; Tax-deferred annuities; Healthcare and . Edit the available investment options for the plan. Each is solely responsible for its own financial condition and contractual obligations. Create an online account to manage your retirement plan. Yzc2YmVhNjI2ZGFiNjNmYzc2ZmMzM2E4ODY5Mzc2ZDYyMmEwNjk3ZWQ0MTVj NmQ0ODRlYjQyZjViZjM4OGU5ZmE3NGM4Zjk3MTYxZjZiM2RkNjk2Mzg2ZjM5 For personalized face-to-face service, Transamerica Retirement Consultants hold regular office hours on the main campus and the Bayview Medical Center campus. Representatives from Transamerica have regular office hours on the East Baltimore and Bayview campuses, and they are available by appointment for in-person consultations. Argentina Australia Belgi (Nederlands) Belgique (Franais) Brasil Canada (English) Canada (Franais) Deutschland Espaa France Hong Kong India Ireland See below. JHU's retirement plans reward you for your contributions and help you build toward future financial security. There are a number of important differences between mutual funds and annuities when they are offered under a retirement plan. This fee will be deducted proportionally from each investment in your account Quarterly and identified as "TIAA Plan Servicing Fee" on your statements. Contact TIAA or your HR Office to verify details of your plan(s) in regards to loan availability and transfer/rollover loan eligibility. Want to make a difference over the long haul? Generated by Wordfence at Sat, 4 Mar 2023 20:32:13 GMT.Your computer's time: document.write(new Date().toUTCString());. Thus, you should monitor your account regularly and base your investment decisions on your time horizon, risk tolerance, and personal financial situation, as well as on the information in the prospectuses for investments you consider. Get professional and free 403b portfolio allocation advice and funds analysis for Johns Hopkins University 403(b) Plan, Vanguard retirement plan. However, 403(b) plan . Gain a holistic perspective by going beyond the numbers to live your best life. Or you can decide to receive income for a certain number of years or take a cash withdrawal (depending on your plans provisions). OTNlYTA2NTYzNGJhMGQyNTk3NjdmNDVjNmUzZDNmNGM5YTYxNjEzNTI2NmQy You can choose to receive income for a set period of two to 30 years, depending on the terms of our contract and your plan's rules (and not to exceed your life expectancy). General administrative services include recordkeeping, legal, accounting, consulting, investment advisory and other plan administration services. Automated account information is available 24/7. ZWViZjQ5NGJhYzNmOWE0OTFiMmI1MjhhZTRmNzU4ZGIxMTJiNjEwMjg5NmMx Guarantees are based on the claims-paying ability of the issuer. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Investment in variable products is subject to the risks associated with investing in securities, including loss of principal. TIAA-CREF Life Insurance Company is domiciled in New York, NY with its principal place of business in New York, NY. You may also be able to leave money in your current plan, withdraw cash or roll over the money to an IRA. The purpose of this website is to inform current and former participants and beneficiaries in The Johns Hopkins University 403 (b) Retirement Plan about the settlement of this Action, including that you may be entitled to benefits under the class action settlement. At that time investments were limited to annuity contracts. JOHNS HOPKINS HEALTH SYSTEM CORPORATION. $20,000.00 Sign-On Bonus for Experienced ICU RNs! The mutual funds chosen for your retirement savings plan provide the opportunity to focus on specific market segments - all of which offer varying degrees of risk and reward opportunities. *Investment advice is available through TIAA using an advice methodology from Morningstar Investment Management, LLC. There is no guarantee that your income goal will be achieved or that the aggregate accumulated amount will ensure a specified annual retirement income. 1102(a)(1). Name Conservative (%) Moderate (%) Aggressive (%) And remember, current employees can make retirement savings elections at any time through the Retirement Plans Enrollment Portal. The About Probability Illustrations, Limitations, and Key Assumptions apply to the OnTrack tool and the Advice Services, which includes Managed Advice (offered in plans and IRAs) and Advisor Managed AdviceSM. The University of Miami, Coral Gables, Fla., has agreed to pay $1.85 million to settle claims by participants in the university's 403 (b) plan and four other defined contribution plans that the . Is combining retirement accounts right for you? To be clear, for-profit retirement plan sponsors have also been targeted in excessive fee litigation cases. A mutual fund is a pool of securities, such as stocks and bonds, managed by an investment company. Aim to contribute this much (which can include contributions from your employer, if available) throughout your entire working career. Schedule Simplify how you save for retirement Do you have retirement accounts with former employers? Posted in Benefits+Perks Tagged hr newswire OGJiNjM4YWRhMDRjNWYwMjc3MzAyZjc3ZjA5MzBiNzViNzkzMjhiYzg2NzAx General record keeping and other plan services. As for income options, annuities offer you the opportunity for lifetime income with or without guaranteed payments for a fixed time period*. ZGIyNTZmYjgwYWMzYWU2MTk3OWYxNmE3NzI5Y2EwY2EzOGE5YmU2ZDBmYTg3 Both options receive favorable tax treatment under the plan. As you get older, youll likely want to shift to conservative investments with lower risk. See how each step you take today can make a meaningful difference tomorrow. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. If income is needed and no other sources of income exist, the engine will be forced to withdraw from tax-deferred accounts holding after-tax money and tax deferred accounts in the simulations, as needed. If you're already enrolled, log in to your secure account from the login button at the top of the home page of this site. You are eligible to immediately make voluntary pre-tax and/or Roth contributions to the Plan if you are a full-time, part-time, visiting, limited, or casual faculty member. If you need a new PIN, please contact Customer Service at 800-755-5801. Browse our category menus to discover hundreds of online resources frequently used by faculty and staff, or use the search to find people. What started as a small group of families gathered around a kitchen table in 1979 has blossomed into the nation's leading voice on mental health. Posted in Benefits+Perks Plan Type. You are eligible to immediately make voluntary pre-tax and/or Roth contributions to the Plan if you are a full-time, part-time, visiting, limited, or casual faculty member. eyJtZXNzYWdlIjoiNzcyNzYxZTE1ZWFkNjYxMmUwMTc1MmJhNDdjMDZkNGMx You must begin taking minimum distributions from your IRAs and employer retirement plan accounts by your required beginning date (or retirement, if later for employer retirement plan accounts). Represented Employees 403(b) Plan, The Johns Hopkins Health System Corporation 403(b) Plan, Transamerica Retirement Advisors, LLC Form CRS, Click "Dashboard" under the Investments menu on the top, Explore your options to create a profile, enter your retirement goals, and, Click "Beneficiaries" under the My Plan menu on the top, From here you can name or update beneficiaries on your account, Click "e-documents" under the Documents & Forms menu on the top. You are eligible to immediately make voluntary pre-tax and/or Roth contributions to the Plan if you are a full-time, part-time, visiting, limited, or casual faculty member. For online portal support, call the Johns Hopkins University Retirement Center at TIAA at 888-200-4074, 8 a.m. to 10 p.m. Monday to Friday and 9 a.m. to 6 p.m. on Saturday. Get professional advice to help you save and invest for your future. You can put money away for retirement while saving on taxes. Please contact the Transamerica Retirement Consultant at 443-801-9022 to confirm dates, times and conference rooms at these locations: Home Care GroupEvery 2nd Monday and 1st Tuesday of the monthClinical Managers Conference Room. Investment decisions should be made based on the investors own objectives and circumstances. How much you can borrow may depend on the amount you currently have in the plan that is eligible for loans and whether you have other outstanding loans. Discover what it will take to reach your savings goals. Your employer may have included additional plan documents, your enrollment guide, fund performance and fee information, and other important notices for your review. If you make a withdrawal prior to age 59, you may be subject to a 10% penalty in addition to ordinary income tax. Johns Hopkins Medicine International helps facilitate the global expansion of the Johns Hopkins Medicine mission by providing patient-centered care for diverse populations and sustainable, innovative collaborations that raise the standard of health care around the world. Taxes and penalties may apply. This is only if the Johns Hopkins University retirement plan accepts rollovers. N2E0ZjIzN2QzNWZkNTJlNDEwMDAxODNjOGRkMWJkNWI0ZGEzZTIyNDUzOTFl TIAA has partnered with Notarize.com (www.Notarize.com/TIAAOpens in a new window) to offer a digital and secure way for you to fulfill notarization requirements for your forms. Call Transamericas Customer Service at 800-755-5801. ZjIwNDI5YmIwMzE1YjkwYmVlNTkwZjMxYzQ5MGVmNTNiMTc1NjZmZWYzNDk1 NTRhODIzNDFjY2NhYWM2ZThhODBmMTBhZTMyYzAxNjUyNWU2MWEwMDgzYTli Typically, a Company Sponsor (Employer) of this type of plan creates an account for every individual Participant. Transamerica's retirement planning consultants (RPCs) can answer your financial questions and help create a retirement strategy that addresses your goals, wherever you are in your career. Unless otherwise specifically stated in . *Guarantees are subject to the claims-paying capability of the insurer. You are eligible to immediately make voluntary pre-tax and/or Roth contributions to the Plan if you are a full-time, part-time, visiting, limited, or casual faculty member. Ordinarily, you would receive contributions from the university beginning at age 35 or if younger than 35 when you have completed two years of service. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. YzFiNWZkYTU1YzYxOWYzNDg0Mjc4Mjg0ZGMxOTQyMTUzYjk4M2YwMDBhNDgw Direct rollovers - from one account to another - are nontaxable and not reported as income to the federal government. Start with easy recipes, videos, and tips from the Transamerica Center for Health Studies. For help and advice, call us anytime at 888-200-4074. The Internal Revenue Service recently announced the annual 403 (b) limits for 2022. These lower risk products offer a guaranteed income that you cant outlive. You can leave the tool now and go to Insights to read articles, use tools and see videos that will help you step forward. There is an annual limit on contributions as determined by the IRS. View JHU 403 (b) retirement plan balances and manage contributions Review and change your contribution amounts and investment provider Learn more about the investment options that are available to you Select the myChoices Retirement Enrollment tab from the Benefits & Worklife homepage. MWZjNDIxMmQ2ZTI1OTI4YTYwYWE3NDE2NTFhMzQ4NTJlMTI0Mjc1NTNhN2Fh Servicing: The Johns Hopkins Hospital, Johns Hopkins Health System, Johns Hopkins Health System Corporation, Johns Hopkins Medical Management Corp, Johns Hopkins Community Physicians, Johns Hopkins Medicine International & Johns Hopkins Medical Associates, Servicing: Howard County General Hospital, Suburban Hospital, Johns Hopkins Home Care Group, Potomac & The Johns Hopkins Bayview Medical Center. . You will need your Social Security Number and PIN. For IRAs (other than Roth IRAs), your required beginning date is April 1 of the year following the calendar year in which you reach your RMD Applicable Age. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Call us at 800-401-8726 to get enrolled. Your principal remains intact while you receive the interest. IMPORTANT: The projections or other information generated by the engine regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Review the fees and expenses you pay, including any charges associated with transferring your account, to see if consolidating your accounts could help reduce your costs. 443-997-3759. Then strive to increase that amount by putting raises toward it and small annual increases. Who would benefit most from owning mutual funds? This will be identified as "TIAA Plan Servicing Credit" on your statements. Investment Advisors Customer Service Web site American Century 1-888-345-7654 www.americancentury.com Fidelity 1-800-343-0860 www.fidelity.com TIAA-CREF 1-888-200-4074 www.tiaa.org VALIC 1-800-448-2542 www.valic.com Vanguard 1-800-523-1036 www.vanguard.com RESOURCES: Johns Hopkins University 403(b) Plan For more detailed information, download the summary plan description. RECOMMENDED ALLOCATIONS (as of 3/31/2021) help. Take advantage of your jobs retirement benefits. Over the course of your career, that's how much it may take to potentially generate the income you need for retirement. First, think about how far off retirement is. While you are employed by the university, you may withdraw any of your interest in the Plan (including university contributions and earnings) after you reach age 70 . If you are age 50 or older, you may also be eligible to make catch-up contributions (up to an additional $7,500 in 2023). You are not taxed on the money until it is withdrawn, presumably at retirement when you will be in a lower tax bracket. This plan allows you to receive a cash withdrawal. While you are still employed by the university, you may withdraw your employee contributions from the Plan, and investment earnings on those contributions, at any time after you reach age 59. Morningstar Inc. and Morningstar Investment Management LLC are not affiliated with Transamerica. Make Roth contributions that can grow tax-free, Your right to a lump-sum distribution from your TIAA Traditional Account may be restricted to taking periodic payments under the terms of the contract. Investment advisory services offered through Transamerica Retirement Advisors, LLC (TRA), registered investment advisor. YzMwZGU2ZTZhZjllZjY3YzBlZDVmZjNmMzM3NTA5YjZhNjc3YTFlN2YyZTUz Create a healthier tomorrow by making small changes today. Learn what plans allow eligible employees to do. . To help you add to your personal retirement savings we offer all eligible employees the option to participate in a 403(b) retirement savings plan, also called a tax-deferred annuity program. Learn about privileges and perks. You can withdraw all or part of your account in a single cash payment, depending on your plan rules and the terms of your contracts. We offer several different retirement plans, depending upon your job classification and hire date. YjEyNzcxYTYzNzA1YzUwNGYxMTg3OWZhOTFjYzc5MzI2M2JhZjliZjE1MjFj Log in and take a minute to choose, review, or update your beneficiaries. Many participants enjoy the diversity of investing in mutual funds in their retirement plans. Masks are required inside all of our care facilities. For help and advice, call us anytime at 888-200-4074. When you leave your employer, you may be eligible to withdraw your retirement savings. 2023 Johns Hopkins University Human Resources, https://hr.jhu.edu/wp-content/uploads/tiaa_roth_012023.mp4. the entire spectrum of defined benefit and defined contribution plans, including 401 (k) and 403 (b) (Traditional and Roth), 457, profit sharing, money purchase, cash balance, Taft-Hartley, multiple employer plans, nonqualified deferred compensation, and rollover and Roth IRA. from the Plan at retirement. Transamerica's Customer Service Department800-755-5801 (Monday Friday: 8 a.m. 9 p.m.)Website:jhm.trsretire.comEmail:CustomerCare.Retirement@transamerica.com. How can I see my accounts and perform transactions online? People are living longer than ever. NmRmYmJmNjdkMzllMDIyZWI3NGYxOTRmZGUyNDYzODBhODAxZDE4ZGVjNTZi NTY3NzFjOTVjYTc3ODAyN2U0MjI0OGJhYjRlMzAwMzg3NTI3MmExYjNlY2Ey A class-action lawsuit was filed Thursday against Johns Hopkins University on behalf of 24,000 faculty and staff members contending that the university's $4.3 billion retirement plan charged . These frequently asked questions and answers provide general information and should not be cited as authority. Compare the differences in investment options, services, fees and expenses, withdrawal options, required minimum distributions, other plan features, and tax treatment. Settlement in Johns Hopkins 403 (b) Plan Lawsuit Includes Recordkeeper Bid The $14 million settlement agreement also requires the University to retain an independent consultant to assist plan fiduciaries in reviewing the plan's existing investment structure. Think about these three easy things you can do to keep your momentum & finish strong: Taking advantage of any new plans or matches your employer may offer. Review your Welcome Kit carefully to verify the information is correct, including investments and beneficiary information. Important information about consolidation:Transfer specialists are registered representatives of Transamerica Investors Securities Corporation (TISC). Learn about Johns Hopkins University's retirement savings and planning services and support for employees and retirees. MDIxZTRlYTE3NmVmOGFhOWYzYTg3YzU0NDI5OGUwOGNiMjk0OWEyMjNiOGRl Regular contributions are then made by the Employer, the Participant, or both. OWM3N2FjM2ZkZDhhYmIxYmRkY2QxMmUwMjNhNmNhZWE4YTliODVkYTAwZDZk Click any fund name for more information about a particular fund, or visit Vanguard.com to obtain prospectus. Or you can decide to receive income for a certain number of years or take a cash withdrawal (depending on your plans provisions). Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Tme management skills. This is only if the Johns Hopkins University retirement plan accepts rollovers. You must be fully terminated; including from any part-time, limited-time, visiting, and casual-on-call positions. ZjMzNzY0YmU2NWVkODFhNDNmZTBmYmI3YTI2YzQxNTI1YmQ4YjczNzllMzBk If your plan allows, you can consider updating your contribution rate, the money set aside each paycheck for your retirement. Enroll in the plans, view your account balances, and update your voluntary contribution amount and/or investment vendors. You may also elect to contribute a different percentage of your salary on a pre-tax or after-tax (Roth) basis. Protecting your retirement savings through guaranteed annuities. The U.S. District Court for the District of Maryland has granted in part and denied in part defendants' motion to dismiss an Employee Retirement Income Security Act (ERISA) lawsuit targeting the 403(b) plan of John Hopkins University. The complaints are nearly identical to those filed against MIT, New York University, Yale and Duke University, alleging that instead of using the plans' bargaining . Affordable Health, Vision, and Dental Insurance Plans Vacation & Sick Time; plus 3 free days, and 7 paid holidays Investment decisions should be made based on the investors own objectives and circumstances. Vesting refers to your ownership of your Plan account. However, payments from CREF and TIAA variable annuities are not guaranteed and the payment amounts will rise or fall depending on investment returns. These assumptions are adjustable by you or by your employer if you are in an employer-sponsored retirement plan. M2M4N2UxZTcwNWUyNzZhMjMxNzBkMDBkNGQ0ODAyOTkyOTkzYjY5ZDI5YWI2 How can I see my accounts and perform transactions online? In order to more easily transition into retirement, you may be able to withdraw up to 10%, in cash, of your lifetime annuity income. 1Annuities are designed for retirement savings or for other long-term goals. You can increase, decrease or suspend the payments at any time. Click a topic below and log in to your account. Once logged in, you'll be taken directly to the desired page. New employees are automatically enrolled in the program with an initial 2% pre-tax contribution level. Our 403 (b) plan is designed to meet the unique needs of educators and non-profit employees across the country. Reviewing your current investment mix to see if you need to rebalance your portfolio as you near retirement. If 10-15% is an amount you can't afford right now, contribute as much as you can comfortably afford. YTg4ZTE0YTY1N2E5MTEzNWZiZTEzODBiYjBlMzA4MTg5MjBmZmRkNWNiOTg2 YzNhZGVhZGNjOThhMWZlZDA3Yzk0N2MyZWZhMTVmN2NhMTZkYWY0YzE0Njgz The Morningstar name and logo are registered marks of Morningstar, Inc. Research our firm using FINRA's BrokerCheck. Vanguard Target Retirement 2055 Fund Investor Shares: VFFVX: was added by thomasj.sullivan: 12/1/2014: Remove: Vanguard Target Retirement 2060 Fund Investor Shares: Its California Certificate of Authority number is 3092. As you get older, more of that money may need to go toward healthcare and other essential expenses. It's not a match. Other benefits may be available, such as pre-tax and tax-deferred contributing, which could help maximize your savings. Johns Hopkins University 403(b) Plan, Vanguard - 403b information & discussion. Some of these expenses are fixed and other expenses may vary from year to year. If you're gearing up for retirement, we have tools and resources specifically for you. But even for those hired 2013, you get an automatic 4% contribution from JHU for your 403 (b) before age 35 and 8% automatic contribution after you turn 35. . An annuity is an insurance contract with one or more fixed-rate and variable investment options. Call us Review your 403(b) plan eligibility and learn more about the plans by visiting our Current Employees retirement page. Oct 8, 2020. Learn ways to save and invest to help you prepare for your retirement. OGFlZmQ1NWQ1MzE0ODNiNzNkZTRiYmNjZTEzYWUwMjNhNWJkNDBjYWU0OWE2 How much could you receive from Social Security? From navigating financial decisions today to creating a smart strategy for tomorrow, your Transamerica retirement planning consultants are here to assist you. Many services are necessary for the day-to-day operation of your employer's retirement plan. Johns Hopkins Health System Corporation 403(B) Plan - 403b information & discussion. YWU3Mzg5MmE0ZTJiMTFhZWVmN2QxMWM2YjE1ZjBmZGM3MDFjNjJhODBiZjcw By owning a combination of funds with different investment characteristics, you may be able to offset the poor performance of one asset class with another that is benefiting from an upward trend. For more detailed information about the 403(b) plan, including eligibility, contribution limits, vesting, employer matching and payments, download your Summary Plan Description. A SECURE 2.0 summary of provisions, purpose, and timing. Contact 888-200-4074 weekdays, 8 a.m.to 10 p.m. (ET) to learn more. Relocation monies available! If you need some of your retirement savings in cash, you can withdraw your TIAA Traditional Account balance through a Transfer Payout Annuity (TPA) under the terms of the contract. Current investment options are assigned to asset classes based on Morningstar Categories, and fees and charges inherent in investing are incorporated with an average fee assumption for each asset class. Please consult your legal or tax advisor. NzM4OWZmMTk0Y2Q3OWY2ZmI2NzZiY2Q3YjIyM2Q1MmJlNzNhYTJiNTI5MzA5 $14.5 million at Vanderbilt University, $14 million at Johns Hopkins University, $3.5 million at Brown University, .