Workplace Education Series
Getting on the Right Path with
Your Workplace Savings Plan
Workplace Education Series
So, you’re starting to think
about saving for retirement
Today’s agenda:
– Benefits of saving at work
– Choosing your investments
– Determining your next steps
– Staying in touch with Fidelity
Save for retirement first
Workplace Education Series
Your UNM Hospitals retirement
plan is hard to beat
– Ease and convenience
– Investment choice
– Potentially lowers taxable income
– Tax-deferred growth
– Compounded growth potential
 Some Tools to Help: Use our Contribution Calculator to try some
“what-if” planning—and the Take-Home Pay Calculator to see what
a bargain it can be to save in your plan.
Maximize your
workplace savings
opportunities
Let’s explore:
– The importance of starting early
– Annual IRS limits
– How consolidation can help simplify finances
Saving in your plan may cost less than you think
Workplace Education Series
Because contributions are
made before taxes are withheld
The net effect on take-home pay
$144
$108
6% contribution
8% contribution
10% contribution
$115
$86
$96
$72
$77
$46
$35
$58
$58
$44
$44
$87
$65
$58
$35
$26
$30,000 salary
$50,000 salary
$75,000 salary
This hypothetical example assumes a $30,000, $50,000, and $75,000 annual salary; filing single at a 25% federal income tax rate on the take-home-pay
chart; state and local taxes are not included. The weekly contribution to your account is a tax-deferred contribution; income taxes will be due when you
withdraw from the account.
First, maximize your employer match
Workplace Education Series
Don’t put it off another day
– “Free” money
– Your decision to start now could help you accumulate
a lot more for retirement
– You can always increase your contribution later
 Reminder:
If you have not already selected your beneficiaries,
or if you have experienced a life-changing event such as a
marriage, divorce, birth of a child, or a death in the family, it’s
time to consider your beneficiary designations.
Increase contributions to the maximum allowed
Workplace Education Series
10% – 15% of your pay is
a good benchmark
– Strive to reach the maximum annual pretax
contribution limit ($18,000 in 2015)
– Take advantage of catch-up contributions, if eligible
($6,000 in 2015)
– Continue ease and discipline of payroll deduction
Once you’re at that level, then you can think about
other tax-advantaged savings vehicles outside of
your workplace savings plan.
Over time, that can add up to big savings
Workplace Education Series
Invest now, thank yourself later
Growth of investment over 25 years
6% contribution
8% contribution
10% contribution
$701,386
$571,964
$485,682
$399,400
$209,581
$261,350
$313,119
$30,000 salary
$442,541
$313,119
$50,000 salary
$75,000 salary
This hypothetical example assumes a beginning plan account balance of $10,000; starting annual gross salary of $30,000,
50,000 and 75,000; salary increase of 3% each year; pre-tax contributions of 6%, 8% and 10% of salary every week for 25 years
and an effective annual rate of return of 7%. The ending values do not reflect taxes, fees or inflation. If they did, amounts would
be lower. Earnings and pre-tax contributions are subject to taxes when withdrawn. Distributions before age 59 1/2 may also be
subject to a 10% penalty. Contribution amounts are subject to IRS and Plan limits. This example is for illustrative purposes only
and does not represent the performance of any security. Individuals may earn more or less than this example. Investing on a
regular basis does not ensure a profit or guarantee against a loss in a declining market.
Simplify your finances by consolidating accounts
Workplace Education Series
Offers compelling benefits for
managing retirement savings
– Keep all of your assets in one place
– Fewer statements
– Track overall performance
– Maintain investment strategy of choice
 We Can Help: For help consolidating your retirement savings,
schedule a complimentary one-on-one consultation
Keep in mind that fees may apply when closing and consolidating accounts.
Plan details
UNM Hospitals 403(b) Tax Sheltered Annuity Plan
UNM Hospitals 457(b) Deferred Compensation Plan
Workplace Education Series
Plan Features
Eligibility
Requirements
All Contributions
Employee
Contributions
IRS Limits
2015
Contributions
$18,000
All UNMH Employees are immediately eligible to participate in the UNM Hospitals 403(b)
and 457(b) Plans. You may contribute in one or both plans at the same time.
Your 403(b) and 457(b) pretax contributions are deducted from your pay before income
taxes are taken out. This means that you lower the amount of current income taxes
deducted each payday and it means more money in your take-home pay. You may make
contributions to one or both plans at the same time allowing you to maximize your retirement
savings potential.
You pay no taxes on any earnings until you withdraw them from your accounts.
Catch-up limit
If you make the maximum contribution to your plan account, and you are 50 years of age or
older during the calendar year, you can make additional “catch-up” contributions.
2015
You choose where you would like your contributions invested.
$6,000
Last 3 years of service catch-up provision in the 457(b) Plan.
403(b) Employer
Contributions
Employee Deferrals
UNMH contributes 5.5% of gross base pay after you complete one continuous year of
benefits-eligible service.
UNMH contributions go into the MetLife Stable Value Option. You can choose where they
go once you are fully vested.
You are 100% vested in your contributions and earnings.
Years of Service
Vesting
Employer
Contributions
Vesting Schedule
Vesting Percentage
less than 3
0
3
4
5
25
55
100
This workshop only provides a summary of the main features of the Plan, and the Plan document will govern in the
event of any discrepancies.
Workplace Education Series
Plan Features (con’t)
Minimum loan amount: $1,000
Maximum loan amount: Generally 50% of vested account balance not to exceed
$50,000
Loans
Available in 403(b) Plan
only
Maximum number of loans outstanding at a time: 1 (refer to the plan document for
allowable loans reasons)
Loan initiation fee: $50.00 deducted from your plan account
Quarterly maintenance fee: $6.25 deducted from your plan account
Loan repayments made through the Automated Clearing House
Permitted if you terminate your employment, retire, reach age 59½, become
permanently disabled, or have severe financial hardship as defined by your Plan.
403(b) Plan
If under age 59½ at the time of distribution, a 10% early distribution tax penalty may
apply.
If the distribution is eligible to be rolled over, but is not directly rolled over to an
eligible plan or IRA, 20% mandatory withholding of federal income tax applies.
Withdrawals
Permitted if you terminate employment, attain age 70½, or the Plan is terminated.
Taxed as ordinary income in the year withdrawn.
457(b) Plan
If the distribution is eligible to be rolled over, but is not directly rolled over to an
eligible plan or IRA, 20% mandatory withholding of federal income tax applies.
Federal income tax will not be withheld if an eligible plan-to-plan transfer is made to
another employer's 457(b) plan that accepts the transfer.
This workshop only provides a summary of the main features of the Plan, and the Plan document will govern in the
event of any discrepancies.
The fundamentals
of investing
Let’s explore:
– The principles of asset allocation
– Different investment types
– The importance of diversification
The principles of asset allocation
Workplace Education Series
Asset allocation = combining
different investment types
Stocks
(equities)
Bonds
(fixed income)
Higher Potential Risk
Higher Potential Return
Moderate Potential Risk
Moderate Potential Return
Lower Potential Risk
Lower Potential Return
Cash
(short-term)
Up to 91.5% of variations in returns can be attributed to asset allocation.*
* Source: "Determinants of Portfolio Performance," Brinson, Hood and Beebower, Financial Analysts Journal, July-August 1986, and "Determinants
of Performance II: An Update," Brinson, Singer and Beebower, Financial Analysts Journal, May-June 1991. This represents a landmark study which
has not been refuted and which stands today as a valid, widely accepted theory.
Each investment type offers unique advantages
Workplace Education Series
The three investment types
and the role they play
Investment risk
Inflation risk
Short-term investments
Bonds
– Money market, T-bills, CDs
– Relatively stable value
– Potential to pay interest
– Lower risk, lower potential
return
– I.O.U.
– Debt securities issued by
governments and
corporations
– Potential to pay interest
– Moderate risk, moderate
potential return
Stocks
– Share of a company,
“equity”
– Long-term growth potential
– Value can go up and down
– Higher risk, higher
potential return
An investment in a money market fund is not insured or guaranteed by the FDIC or any other government
agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is
possible to lose money by investing in these funds.
The importance of diversification
Workplace Education Series
Diversification = spreading out
investments within investment types
Diversification
Mutual Funds
Spread out your investments
within investment types
Include a variety of stocks
and/or bonds
Stocks
(equities)
Bonds
(fixed income)
Cash
(short-term)
Neither diversification nor asset allocation ensures a profit or guarantees against loss.
Stock
Fund
Bond
Fund
Cash
(short-term)
A smart investment mix
Workplace Education Series
Asset allocation + diversification =
a smart investment mix
Combining them skillfully can help you
– Reduce portfolio risk and volatility
– Match your investment strategy to your time horizon,
financial situation, and risk tolerance
– Tap into market opportunities
– Avoid the pitfalls of market timing
 A Tool to Help: Use Portfolio Review to find your target
asset mix or complete the Investor Profile Questionnaire.
Neither diversification nor asset allocation ensures a profit or guarantees against loss.
Portfolio Review is an educational tool.
It’s about solving for three factors
Workplace Education Series
Finding the right mix
depends on your:
Tolerance for risk
Time horizon
Financial situation
 A Tool to Help: Use Portfolio Review to find your target asset mix
and create an action plan to help align your portfolio with your goals.
Or, complete the Investor Profile Questionnaire.
Portfolio Review is an educational tool.
Then, determine what mix of investment types
match your investment approach
Workplace Education Series
Finding the right mix
How four hypothetical investment mixes align with different
approaches to investing
Aggressive Growth
Growth
May be appropriate
for investors:
May be appropriate
for investors:
• Comfortable with
wide fluctuation
15%
25%
60%
• Comfortable with
significant fluctuation
• > 10 years until
retirement goal
• > 5 years until
retirement goal
Balanced
Conservative
May be appropriate
for investors:
May be appropriate
for investors:
• Comfortable with
moderate fluctuation
40%
• < 5 years until
retirement goal
Domestic Stock
35%
10% 15%
• Looking to minimize
fluctuation
• < 5 years until
retirement goal
Foreign Stock
Bond
25%
25% 60%
49%
10%
5%
21%
14%
6%
50%
30%
Short-term Investments
For illustrative purposes only.
The purpose of the target asset mixes is to show how target asset mixes may be created with different risk and return characteristics to help meet a participant’s goals.
You should choose your own investments based on your particular objectives and situation. Remember, you may change how your account is invested.
Be sure to review your decisions periodically to make sure they are still consistent with your goals. You should also consider any investments you may have
outside the plan when making your investment choices.
These target asset mixes were developed by Strategic Advisers, Inc., a registered investment adviser and Fidelity Investments company, based on the needs of a
typical retirement plan participant.
Reviewing your plan’s
investment options
An investment approach for every investment style
Workplace Education Series
Hands-on or hands-off?
– Do you want to make your own investment decisions?
– Are you comfortable building your own portfolio?
– Do you have the time to actively manage your investments?
Hands-off
Hands-on
Lifecycle funds*
Let us guide you
Do-it-yourself
Provide an automatic
investment mix that becomes
continually more conservative
as time goes on. Just pick the
fund with the year that’s closest
to the year you plan to retire.
Use our investment guidance
tool, Portfolio Review**, to
identify a target investment
mix, receive a model portfolio
suggestion, and easily
implement your strategy.
Access Fidelity’s research
resources, and utilize our
fund selection tools to build
your own portfolio.
*Lifecycle funds are designed for investors expecting to retire around the year indicated in each fund’s name. The investment risk of each
lifecycle fund changes over time as its asset allocation changes. Lifecycle 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.
**Portfolio Review is an educational tool.
Guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or
sole basis for your investment or tax-planning decisions.
Neither diversification nor asset allocation ensures a profit or guarantees against loss.
Workplace Education Series
Lifecycle Funds
Investment options to the left have potentially
more inflation risk and less investment risk
Investment options to the right have potentially
less inflation risk and more investment risk
Risk Spectrum for Lifecycle Funds
Vanguard Target Retirement Income
Fund Investor Shares
Vanguard Target Retirement 2010
Fund Investor Shares
Vanguard Target Retirement 2015
Fund Investor Shares
Vanguard Target Retirement 2020
Fund Investor Shares
Vanguard Target Retirement 2025
Fund Investor Shares
Vanguard Target Retirement 2030
Fund Investor Shares
Vanguard Target Retirement 2035
Fund Investor Shares
Vanguard Target Retirement 2040
Fund Investor Shares
Vanguard Target Retirement 2045
Fund Investor Shares
Vanguard Target Retirement 2050
Fund Investor Shares
Vanguard Target Retirement 2055
Fund Investor Shares
Vanguard Target Retirement 2060
Fund Investor Shares
Target date investments are represented on a separate spectrum because they are generally designed for investors
expecting to retire around the year indicated in each investment's name. The investments are managed to gradually
become more conservative over time. The investment risks of each target date investment change over time as its asset
allocation changes. They 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.
Workplace Education Series
Lifecycle Chart
Your plan has assigned lifecycle funds based on your date of birth
if you decide not to select individual investment options.
Your Birth Date*
Before 1942
Fund Name
Vanguard Target Retirement Income Fund
Target Retirement Years
Retired before 2007
January 1, 1943 – December 31, 1947
Vanguard Target Retirement 2010 Fund
2008 – 2012
January 1, 1948 – December 31, 1952
Vanguard Target Retirement 2015 Fund
2013 – 2017
January 1, 1953 – December 31, 1957
Vanguard Target Retirement 2020 Fund
2018 – 2022
January 1, 1958 – December 31, 1962
Vanguard Target Retirement 2025 Fund
2023 – 2027
January 1, 1963 – December 31, 1967
Vanguard Target Retirement 2030 Fund
2028 – 2032
January 1, 1968 – December 31, 1972
Vanguard Target Retirement 2035 Fund
2033 – 2037
January 1, 1973 – December 31, 1977
Vanguard Target Retirement 2040 Fund
2038 – 2342
January 1, 1978 – December 31, 1982
Vanguard Target Retirement 2045 Fund
2043 – 2047
January 1, 1983 – December 31, 1987
Vanguard Target Retirement 2050 Fund
2048 – 2052
January 1, 1988 – December 31, 1992
Vanguard Target Retirement 2055 Fund
2053 – 2057
January 1, 1993 – December 31, 1999
Vanguard Target Retirement 2060 Fund
2058 – 2062
The target date investments are designed for investors expecting to retire around the year indicated in each fund’s name. The investments are
managed to gradually become more conservative over time as they approach the target date. The investment risk of each target date investment
changes over time as its asset allocation changes. The investments are subject to the volatility of the financial markets, including that of 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 the target dates.
* Dates selected by plan sponsor.
Workplace Education Series
Investment Spectrum
Investment options to right have potentially
less inflation risk and more investment risk
Investment options to left have potentially more
inflation risk and less investment risk
Managed Income
(or Stable Value)
MetLife Stable Value
Option
Bond
Diversified
Dodge & Cox Income
Fund
Loomis Sayles Core
Plus Bond Fund Class
N
Vanguard Total Bond
Market Index Fund
Admiral Shares
Domestic
Equities
Large Blend
Large Growth
Vanguard 500 IndexFidelity®
Fund Admiral Class Contrafund® Class K
Mid Blend
CRM Small/Mid
Mid Growth
Cap Value Fund
Dreyfus/The
Class Institutional Boston Company
Small/Mid Cap
Growth Fund
Class I
International/
Global Equity
Fidelity
International
Discovery Fund
Class K
Specialty
Invesco Real
Estate Fund
R5 Class
Vanguard Total
International
Stock Index Fund
Admiral Shares
Inflation-Protected
PIMCO Real Return
Fund Institutional
Class
High Yield
T. Rowe Price HighYield Fund
This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of the general investment
categories and not on the actual investment options and their holdings, which can change frequently. Investment options in the Domestic Equity
category are based on the options’ Morningstar categories as of 12/31/2014. Morningstar categories are based on a fund’s style as measured by
its underlying portfolio holdings over the past three years and may change at any time. These style categorizations do not represent the
investment options’ objectives and do not predict the investment options’ future styles. Investment options are listed in alphabetical order within
each investment category. Risk associated with the investment options can vary significantly within each particular investment category, and the
relative risk of categories may change under certain economic conditions. For a more
complete discussion of risk associated with the mutual fund options, please read the prospectuses before making
your investment decision. The spectrum does not represent actual or implied performance.
Fidelity BrokerageLink®
Combines the convenience of your workplace savings
plan with the additional flexibility of a brokerage account.
– Gives you expanded investment choices and the opportunity to more actively
manage your retirement contributions.
– If you are an investor who is willing to take on the potential for more risk and
you are prepared to assume the responsibility of more closely monitoring this
portion of your portfolio, it could be appropriate for you.
– However, if you do not feel comfortable actively managing a portfolio beyond
those offered through your plan's standard investment options, then a selfdirected brokerage account may not be appropriate for you.
– Additional fees apply to a brokerage account; please refer to the fact sheet
and commission schedule for a complete listing of brokerage fees.
– Remember, it is always your responsibility to ensure that the options you
select are consistent with your particular situation, including your goals, time
horizon, and risk tolerance.
Stay on track
Let’s explore:
– Steps to get enrolled in your plan
– The benefits of consolidating accounts
– How Fidelity can help
Stay on track
Make saving a priority
– Enroll in your plan
– Set your savings contribution rate
– Choose your investments
– Pay down high-interest credit card debt
– Create a budget — and find ways to save more
Workplace Education Series
Stay on track
Simplify your accounts
– Keep all of your assets in one place
– Fewer statements
– Track overall performance
– Maintain investment strategy of choice
Keep in mind that fees may apply when closing and consolidating accounts.
Workplace Education Series
Stay on track
Workplace Education Series
Put all you’ve just learned
to work for your future
We will work one on one with you to provide:
– Information about your plan’s features and benefits
– Assistance with a range of services from plan enrollment to investment
education as well as account consolidation
– Guidance on next steps to help you maximize your workplace savings plan
and other retirement savings opportunities
– Assistance with more complex needs including, multi-goal and retirement
income planning, charitable giving strategies, and investment management
Contact our Workplace Planning and Guidance Consultants
for a complimentary consultation today!
Call: 800-642-7131
Representatives are available from 6:30 am – 6:30 pm Mountain time
Stay on track
Workplace Education Series
For additional information

Visit NetBenefits®
www.netbenefits.com/atwork

Call your plan’s toll-free number 1-800-343-0860 to speak
with a representative familiar with the features of your workplace
savings plan
Important Information
Workplace Education Series
Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges,
and expenses. For this and other information, contact Fidelity for a free prospectus or, if available, a
summary prospectus. Read it 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.
Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. Eastern time, or on weekends or
holidays, will receive the next available closing prices.
Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S.
investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation.
Investments in mid-sized companies may involve greater risks than those in larger, more well known companies, but may be less
volatile than investments in smaller companies.
Investments in smaller companies may involve greater risks than those in larger, more well known companies.
Lower-quality debt securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer.
Because of their narrow focus, sector funds may be more volatile than funds that diversify across many sectors.
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.
Company stock is neither a mutual fund nor a diversified or managed investment option.
The third party trademarks appearing herein are the property of their respective owners.
Retirement Income Planner is an educational tool.
© 2013 FMR LLC. All rights reserved.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
514947.61.1