Retirement Program

Retirement Plan Enhancements

Plan changes effective June 15, 2012 Take Action! April 1, 2012 - June 7, 2012

Learn about the 2012 retirement plan enhancements

Read the Transition Guide

• View interactive flash presentation
• View interactive presentation (non-flash version)
• View recording of Retirement Transition Presentation
• Visit www.tiaa-cref.org/rochester

Mark Your Calendar!

• Learn more about the upcoming enhancements at these events

Quick Links

• New Investment Options
• Frequently Asked Questions
• Plan-at-A-Glance - 403(b) Retirement
• Plan-at-A-Glance - 457(b) Deferred Compensation
• Which Investor Are You?
• Glossary of Terms

Blackout Period

• The Blackout period will start at the close of business on June 7, 2012 and end on or before June 29, 2012.

Fidelity Funds Frozen

• Certain Fidelity funds are being frozen to future contributions starting at the close of business on March 14, 2012 to avoid trading fees at the conversion.

Qualified Default Investment Alternative (QDIA)

• QDIA Notice
• Vanguard Target Retirement Funds
• Steps to Enrolling and/or Making Changes

If you have questions, please contact Retirement Program Self-Service at 800-410-6497, Monday through Friday, 8 a.m. to 6 p.m. (ET) (extended hours to 8 p.m. through June).

Key Dates in 2012

Date	Action
Mid-March	Comprehensive transition guide mailed to homes
April 1	New investment options added to the plans
April 1 - April 30	Window for employees to enroll for one-time in-kind mutual fund unit transfer into the SDBA
April 1 - June 7	Window for employees to select their investments for future contributions and for existing balances
June 7 - June 29	Blackout Period
June 15	Existing balances are transferred; only new investment options are available

Download the Retirement Program brochure

Maximum Voluntary Contribution Limits Have Increased for 2012

Breakpoint Increases 7/1/11

Service Waiver Additional Criteria 7/1/10

Self-Service

Employees have the opportunity to access retirement program contribution history, as well as change or newly enroll in their retirement allocations, through online or telephone Retirement Program Self-Service.

• Online Retirement Program Self-Service
• Telephone Retirement Program Self-Service: 1-800-410-6497
• Auto Save - automatically increase your voluntary contributions by 1% annually
• Roth 403(b) After-tax Contributions

Enroll in Your Retirement Program

• Your Future Starts Today
• Model Portfolios/Risk Tolerance Questionnaire
• A few simple habits to help put you on the path to success

Fund Information

• Investment Funds Available under the University of Rochester Retirement Program
• Morningstar Fund Screener - a tool for sorting and viewing your investment fund options

Printable Forms

• Retirement Service Credit Form

Informational Sessions / Resources

• Advice and Guidance Tools
• Understanding the University's Retirement Program Sessions
• Post-Retirement Sessions
• Individual Consultations with Investment Company Representatives Available at U of R

Questions/Information

• Frequently Asked Questions (FAQs)
• Non-Refundable Credit for Low and Middle Income Savers
• Post-Retirement Benefits

Links to Investment Companies

Link to the investment companies directly to obtain updated fund performance, prospectuses and fund information, account access, literature, forms, use retirement calculators, etc.