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401(k), 457, Roth IRA & Traditional IRA Plans - Quarterly Rates of Return and Annual Fees

401(k), 457, Roth IRA & Traditional IRA Plans
Investment Performance - Rates of Return
As of 12/31/2009
 
Annualized
Investment Funds
Quarter
One Year
Three Years
Five Years
Ten Years
Income 0.55% 2.49% 4.06% 4.24% 4.68%
Bond 1.88% 16.31% 6.91% 5.51% 6.77%
Balanced 4.52% 27.34% 0.72% 3.62% 4.05%
Large Cap Stock Value 4.45% 31.11% -9.45% -0.82% 5.66%*
Large Cap Stock Index 6.04% 26.24% -5.77% 0.22% -1.20%
Large Cap Stock Growth 7.71% 35.11% 0.16% 3.16% -4.12%
International 2.49% 29.59% -5.91% 3.73% 0.55%
Small Cap Stock 3.29% 36.03% -5.69% 0.65% 5.54%
Short Horizon 2.49% 19.25% 3.60% 4.25% 4.57%
Medium Horizon 3.55% 24.43% 0.54% 3.79% 3.28%
Long Horizon 4.06% 27.66% -2.76% 2.74% 1.94%
Group Annuity 1 0.37% 3.96% 4.49% 4.59% 5.07%

All fund returns are reported net of fees including investment management fees and administrative fees.
All returns for periods greater than one year are annualized.

1 The Group Annuity Fund is closed to future contributions. Returns prior to 1998 represent performance of the 401(k) Group Annuity Fund.

* These historical returns are for the current money manager and do not represent the experience of Utah Retirement Systems' participants because these funds were not offered to URS participants for these periods.

Past performance does not guarantee future results.

 

Below are some indices that can be used for comparative purposes
 
Annualized
Investment Funds
Quarter
One Year
Three Years
Five Years
Ten Years
Treasury Bills Index 0.04% 0.21% 2.40% 3.02% 2.99%
Barclays Aggregate Bond Index 0.20% 5.93% 6.04% 4.97% 6.33%
Russell 1000 Value Index 4.22% 19.69% -8.96% -0.25% 2.47%
S&P 500 Index 6.04% 26.47% -5.63% 0.42% -0.95%
Russell 1000 Growth Index 7.94% 37.21% -1.89% 1.63% -3.99%
MSCI EAFE Index(International) 2.18% 31.78% -6.04% 3.54% 1.17%
Russell 2000 Index(Small Cap) 3.87% 27.17% -6.07% 0.51% 3.51%

These indices are to be used for comparison only. They are not indicative of the rates of returns you should expect from the funds in your Savings Plans.




Savings Plans
Annual Investment and Administrative Fees
Fund
Annual
Investment Fees
Annual
Administrative Fees
Total
Annual Fees
Income
0.21%
0.23%
0.44%
Bond
0.12%
0.23%
0.35%
Balanced
0.26%
0.23%
0.49%
Large Cap Stock Value
0.42%
0.23%
0.65%
Large Cap Stock Index
0.03%
0.23%
0.26%
Large Cap Stock Growth
0.29%
0.23%
0.52%
International
0.36%
0.23%
0.59%
Small Cap Stock
0.41%
0.23%
0.64%
Short Horizon
0.19%
0.23%
0.42%
Medium Horizon
0.20%
0.23%
0.43%
Long Horizon
0.23%
0.23%
0.46%
Group Annuity
(closed to future contributions)
1.13%
0.23%
1.36%

There are no sales commissions, front-end loads, transfer fees, redemption fees, or other fees associated with these plans (although Beneficial Life Insurance Company may impose a penalty on transfers from the Group Annuity Fund). The fees shown above are deducted from earnings prior to posting and do not appear as separate items on your statement. Before you invest in any program, you should thoroughly investigate all fees. You will find that the fees for Savings Plans are low, which helps you maximize your returns.

Note: Schwab PCRA balances are not subject to above administrative and investment fees. Instead, $25 per quarter is charged for each account with a PCRA balance. An annual account maintenance fee of $15 will be assessed to inactive participant accounts with combined Savings Plans balance of less than $5,000.

 

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