F A S T F A C T S A B O U T Y O U R 4 01( K ) P L A N
MAKE
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URBAN OUTFIT TERS, INC.
Urban Outfitters, Inc. 401(k) Savings Plan
Fast Facts
There are many great benefits to being a participant in the Urban Outfitters, Inc. 401(k) Savings Plan. One of
those benefits is exceptional customer service, online, by phone or by wireless. In fact, you can count on your
company and Fidelity to help support you every step of the way.
Best practices to consider:
The impact of an early start. Your decision to start today could give you quite a bit more at retirement
than starting five years from now.
Contribute as much as you can. Fidelity considers 10%–15% per paycheck to be a very good start. That
amount can take you a long way toward reaching your financial goals.
Do what you can afford. Start at a number that feels comfortable to you. You can always change it
later. The important thing is to invest what you can afford and start right away.
Invest more in your plan, pay less in taxes. Your pretax contributions come out of your pay before
income taxes are taken out. You can actually lower your current taxes by investing in the plan today.
Find out how simple it can be to enroll, manage your account and take advantage of what your company and
Fidelity have to offer.
Look inside for:
•
Frequently Asked Questions—The basic details of your plan, including how
much you can contribute and when you can take withdrawals.
•
Investment Options—Pick at least one investment option to get started,
then consider the whole spectrum as you get more comfortable with
planning.
•
Resources for Staying on Track—To help you meet your retirement goals,
the plan offers a comprehensive communications program and planning
tools to help you stay on track.
Frequently Asked Questions
Q: When am I eligible to enroll?
A: All part-time and full-time employees may enroll in the Plan after three months of service with the Company.
If you were recently rehired and have questions about eligibility, please contact the Benefits Department.
Q: When can I enroll in the plan?
A: Immediately upon meeting the eligibility requirement.
Q: How do I enroll in the plan?
A: Log on to www.401k.com and follow the step-by-step guide, or speak to a customer service representative at
1-800-835-5097
Q: How much can I contribute?
A: You can contribute up to 25% of your salary. If you are age 50 or above, you will be able to make additional
catch-up contributions, subject to IRS maximums.
Q: How does the employer match work?
A: Urban Outfitters, Inc. will match 25% of your contributions up to 6%, after one year of service.
This means that if you make $500 a week and are contributing 6%, then your weekly contribution would be $30
and Urban Outfitters, Inc. would add $7.50. Doesn't sound like much? Over the course of one year, your
contributions would total $1,560, and the Company contributions would be $390.
Q: Is the match money mine to keep?
A: The matching contributions are subject to a vesting schedule. The amount of the match that is vested
(meaning yours to keep) depends on how long you have been with the company. See the vesting chart below.
Years of Service
1
2
3
4
5
Vesting (ownership)
20%
40%
60%
80%
100%
Remember, you are always 100% vested in the contributions that YOU made to the Plan.
Q: How will contributing to the Plan affect my taxes and take home pay?
A: Your contributions are deducted from gross pay and added to your Plan account on a pretax basis. This
means more money for you and less for Uncle Sam! When all is said and done, the amount of money you
contributed to the Plan will be greater than the decrease in your take-home pay.
Q: Why should I participate now even though I may not be retiring for a long time?
A: The general rule of thumb is that in order to maintain a lifestyle similar to the one that you have today, you will
need at least 70% - 80% of your annual pre-retirement income for each year of retirement. All the more reason
to start now!
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Frequently Asked Questions (continued)
Q: This isn’t my full-time career, so why join now, rather than waiting until I have a more permanent
career?
A: The Plan is open to all part-time employees who have completed 3 months of service. We hope you choose a
career with us, but if you do change jobs, you can roll over your Plan contributions to an individual retirement
account (IRA) or to your new employer’s plan. You may take this great benefit with you wherever you go! Even
contributing a small amount on a regular basis could make a difference over the long haul. If a person
contributed $20/week for 30 years, he/she would end up with $130,237 (assuming a hypothetical 8% annual
rate of return). That may not be enough to retire on, but it’s a good start! And whenever you get a raise, pay off
a debt or find yourself in better financial circumstances, consider adding an extra percentage point or two to the
amount that you set aside for retirement.
Q: What happens to the money in my Plan account if something should happen to me?
A: It's very important to select a beneficiary for your account. To name a beneficiary for your account, log on to
www.401k.com, and simply click “Beneficiaries” in the About You section of Your Profile.
Q: How can I roll over my 401(k) from my previous employer?
A: We can help you consolidate retirement savings from IRAs and previous employer plans into this Plan. If you
have questions about rolling over money from a previous employer, contact Fidelity at 1-800-835-5097.
Q: Can I take a loan?
A: Although your plan account is intended for the future, you may take a loan from your account. Simply log on
to www.401k.com or call 1-800-835-5097. You may have one outstanding loan out at a time.
Q: How will my Plan account be affected if my employment terminates with Urban Outfitters, Inc.?
A: When your employment terminates with Urban Outfitters, Inc., you will need to make a choice: whether to (1)
roll your Plan savings over to a 401(k) with your new employer, (2) roll your Plan savings into an IRA, or (3) take
a distribution of these funds. Here is the difference:
Rollover: Your Plan will simply be transferred from this Plan to another Plan or IRA. This money will still be
available to you when you retire.
Distributions: A distribution means that a check for these funds in your Plan account will be issued to you. You
may cash and spend this money as you wish. When you take a distribution from your Plan account, however, a
mandatory 20% tax will generally be withheld, and an additional 10% tax penalty may apply if the distribution is
made prior to your attainment of age 59 1/2.
Whether you will be requesting a rollover or a distribution, call Fidelity at 1-800-835-5097 to initiate the
transaction.
Q: Can I access my account on a mobile device?
®
A: Absolutely, the NetBenefits Smartphone app is a wireless service that features direct access to Fidelity
®
NetBenefits , as well as to Fidelity retail accounts. Using the app, you can view your accounts, monitor balances
and investment selections, get your personal rate of return and more.
Q: How will my account be invested?
A: See the Investment Options section of this flyer.
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Investment Options
The investment options in your 401(k) savings plan give you a choice of mutual funds that cover the major asset
classes: stocks, bonds and short-term investments. These investment options give you the flexibility to build
your own strategy to meet your needs.
TICKER SYMBOL
STOCK INVESTMENT OPTIONS
American Funds EuroPacific Growth Fund Class R-6
RERGX
DFA U.S. Small Cap Value Portfolio Institutional Class
DFSVX
John Hancock Funds Disciplined Value Mid Cap Fund Class I
JVMIX
®
FXSIX
®
FSEVX
Spartan International Index Fund - Fidelity Advantage Class
®
FSIVX
T. Rowe Price Blue Chip Growth Fund
TRBCX
T. Rowe Price Equity Income Fund
PRFDX
Vanguard REIT Index Fund Admiral Shares
VGSLX
Vanguard Small-Cap Growth Index Fund Admiral Shares
VSGAX
William Blair Mid Cap Growth Fund Class I
WCGIX
Urban Outfitters Inc. Stock Fund
URBN
BOND INVESTMENT OPTIONS
TICKER SYMBOL
Spartan 500 Index Fund - Institutional Class
Spartan Extended Market Index Fund - Fidelity Advantage Class
Metropolitan West Total Return Bond Fund Call Institutional
MWTIX
Vanguard Inflation-Protected Securities Fund Admiral Shares
VAIPX
Vanguard Total Bond Market Index Fund Admiral Shares
VBTLX
STABLE VALUE INVESTMENT OPTION
TICKER SYMBOL
Guaranteed Income Fund (GIF)
N/A
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Investment Options (Continued)
LIFECYCLE INVESTMENT OPTIONS
TICKER SYMBOL
Vanguard Target Retirement Income Fund Investor Shares
VTINX
Vanguard Target Retirement 2010 Fund Investor Shares
VTENX
Vanguard Target Retirement 2015 Fund Investor Shares
VTXVX
Vanguard Target Retirement 2020 Fund Investor Shares
VTWNX
Vanguard Target Retirement 2025 Fund Investor Shares
VTTVX
Vanguard Target Retirement 2030 Fund Investor Shares
VTHRX
Vanguard Target Retirement 2035 Fund Investor Shares
VTTHX
Vanguard Target Retirement 2040 Fund Investor Shares
VFORX
Vanguard Target Retirement 2045 Fund Investor Shares
VTIVX
Vanguard Target Retirement 2050 Fund Investor Shares
VFIFX
Vanguard Target Retirement 2055 Fund Investor Shares
VFFVX
Vanguard Target Retirement 2060 Fund Investor Shares
VTTSX
Before investing in any mutual fund, consider the investment objectives, risks, charges and expenses.
Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information.
Read it carefully.
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Resources for staying on track
Watch for these communications in your mail or email box.
Educational Communications
These communications can help you focus your attention on specific planning issues, such as the effects of
saving more or why it is important to diversify your savings among different types of investment options. To
receive via email, visit the Your Profile section of Fidelity NetBenefits.
®
Fidelity Viewpoints - Workplace Edition
Delivered three times per year via email, these communications provide real life guidance on topics selected by
participants to help improve plan decisions and provide broad retirement and investment planning
Account Statements
Available online virtually 24/7 via Fidelity NetBenefits with monthly email reminders. You may also obtain an
account statement through Fidelity upon request.
Interactive learning opportunities
Web Workshops
Check out a self-paced Web workshop, Getting Started in Your Retirement Savings Plan, and take the basic
steps to help yourself become financially ready. It’s easy to attend this Web workshop virtually any time, 24
hours a day, seven days a week, by clicking Getting Started in Your Plan.
To attend a live, presenter-led workshop at a time and date convenient for you, go to
http://webworkshops.fidelity.com, log on to Fidelity NetBenefits, and check out the offerings.
Investor Centers
Call, click or visit to learn more about savings outside your retirement plan. Investor centers are located in a
variety of cities nationwide to provide helpful consultations with financial needs beyond your retirement savings
plan such as IRAs, college savings plans, and retirement income planning. Go to www.fidelity.com or call 1-800Fidelity.
Create an asset allocation that’s right for you
Portfolio Review is an easy-to-use, online investment guidance tool suitable for various types of investors and
levels of investing experience. In just a few clicks, you’ll receive investment suggestions based on your investing
style and an action plan to help you take your next steps.
Save a little more each year, the easy way.
With the Automatic Increase Program, you can have your contribution amount bumped up each year, by the
amount you set yourself. Go to NetBenefits to enroll.
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Fidelity can help you every step of the way.
1-800-835-5097
www.401k.com
Information was provided by Urban Outfitters, Inc. Fidelity Investments is not responsible for its content.
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