If you’re ready to think seriously about investing, it’s time to learn about the investments available through the UC Retirement Savings Program (UCRSP)—the 403(b), 457(b), and Defined Contribution (DC) Plans.
To help make your investment decisions easier, the UC Retirement Savings Program offers the UCRSP Fund Menu. The investment menu includes a full range of asset classes designed to help meet your needs, no matter what type of investor you might be.
Regardless of your investment preferences, a key strategy for managing risk is having a well-diversified portfolio. The UCRSP Fund Menu is selected and monitored by the UC Office of the Chief Investment Officer of the Regents.
|Tier I – Target Date Funds
UC Pathway Funds
UC Pathway Income Fund
UC Pathway Fund 2030
UC Pathway Fund 2050
|Tier II – Core Line-Up
Bond Investments, Stock Investments, Balanced Fund
Socially Responsible Large Cap
Diversified Emerging Markets
UC Balanced Growth Fund
Vanguard REIT Index Fund - Institutional Shares
|Tier III – Fidelity BrokerageLink®|
|Your Birth Date*||Fund Name||Target Retirement Years|
|Before 1950||UC Pathway Income Fund||Retired before 2015|
|Jan. 1, 1950–Dec. 31, 1954||UC Pathway Fund 2015||Target Years 2015–2019|
|Jan. 1, 1955–Dec. 31, 1959||UC Pathway Fund 2020||Target Years 2020–2024|
|Jan. 1, 1960–Dec. 31, 1964||UC Pathway Fund 2025||Target Years 2025–2029|
|Jan. 1, 1965–Dec. 31, 1969||UC Pathway Fund 2030||Target Years 2030–2034|
|Jan. 1, 1970–Dec. 31, 1974||UC Pathway Fund 2035||Target Years 2035–2039|
|Jan. 1, 1975–Dec. 31, 1979||UC Pathway Fund 2040||Target Years 2040–2044|
|Jan. 1, 1980–Dec. 31, 1984||UC Pathway Fund 2045||Target Years 2045–2049|
|Jan. 1, 1985–Dec. 31, 1989||UC Pathway Fund 2050||Target Years 2050–2054|
|Jan. 1, 1990–Dec. 31, 1994||UC Pathway Fund 2055||Target Years 2055–2059|
|Jan. 1, 1995, and later*||UC Pathway Fund 2060||Target Years 2060 and beyond|
Comfortable building a diversified portfolio on your own? The UCRSP Fund Menu lets you create a custom mix of fixed income funds and equity funds. Here is an overview of the options available.
For more information visit www.netbenefits.com or call 1-866-682-7787.
Before investing in any investment option, please carefully consider the investment objectives, risks, charges, and expenses. This and other information on the UC Retirement Savings Program Fund Menu is available, free of charge, online at www.netbenefits.com or by calling Fidelity® Retirement Services at 1-866-6UC-RSVP (1-866-682-7787). This and other information on mutual fund options that are part of the UC Retirement Savings Program Fund Menu and other mutual funds outside the UC Retirement Savings Program Fund Menu can be found in each mutual fund’s prospectus, or, if available, a summary prospectus, which can be obtained, free of charge, at the same Web site and toll-free phone number. Read the information carefully before you invest.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
The investment risks of each target date Pathway Fund change over time as each fund’s asset allocation changes. Assets held in the Pathway Funds are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates.
In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties.
Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible.
Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Investing in stock involves risks, including the loss of principal.
Investments in smaller, less well-known companies can be more volatile than those of larger companies.
Foreign markets can be more volatile than U.S. markets due to increased risks of adverse issuer, political, market or economic developments, all of which are magnified by emerging markets.
Sector funds can be more volatile because of their narrow concentration in a specific industry.
Changes in real estate values or economic conditions can have a positive or negative effect on issuers in the real estate industry, which may affect the value of the investment fund.
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