Investment Options

Investment options for your IU retirement savings plan

Indiana University partners with Fidelity Investments to offer investment services for the IU retirement savings plan options. IU’s investment menu is designed to make it easier for you to build a diversified, lower-cost investment mix that matches your personal tolerance for risk.

You can create a tailored retirement strategy by investing in one or more options from any of the following four tiers:

You can change your investments at any time. If you choose not to elect investments, your assets will be invested in the plan’s default option–an age-appropriate Vanguard Institutional target retirement date fund.

Click on the ticker symbol in the tables below to learn more about each fund. It will show you Fidelity NetBenefits fund prospectuses with additional information about fund performance, strategy, and risk.

The information on this page does not apply to PERF. For information on investments available for PERF participants visit the INPRS website.

Get help with your retirement decisions

We strongly suggest that you contact a Fidelity Workplace Financial Consultant to discuss the advantages and disadvantages of decisions you make about your retirement options.

You can call Fidelity at 1-800-343-0860 or use the online scheduling tool to make an appointment.

If you are enrolled in the Public Employees Retirement Plan (PERF) contact INPRS at bookwithinprs.timetap.com or 844-464-6777.

You can also meet with a member of the IU Benefits retirement team by requesting an appointment at askHR@iu.edu or (812) 856-1234.

Tier 1: Target date funds

Target date funds are mutual funds that automatically reset the asset mix of stocks, bonds, and cash equivalents in their portfolios based on your anticipated retirement date.

DATE OF BIRTHFUND NAMETICKERTARGET RETIREMENT YEAR
On or before
December 31, 1947		Vanguard Target Retirement Income Fund Investor SharesVTINXOn or before December 31, 2012
January 1, 1953–
December 31, 1957		Vanguard Target Retirement 2020 Fund Investor SharesVTWNX 2018–2022
January 1, 1958–
December 31, 1962		Vanguard Target Retirement 2025 Fund Investor SharesVTTVX 2023–2027
January 1, 1963–
December 31, 1967		Vanguard Target Retirement 2030 Fund Investor SharesVTHRX 2028–2032
January 1, 1968–
December 31, 1972		Vanguard Target Retirement 2035 Fund Investor SharesVTTHX 2033–2037
January 1, 1973–
December 31, 1977		Vanguard Target Retirement 2040 Fund Investor SharesVFORX 2038–2042
January 1, 1978–
December 31, 1982		Vanguard Target Retirement 2045 Fund Investor SharesVTIVX 2043–2047
January 1, 1983–
December 31, 1987		Vanguard Target Retirement 2050 Fund Investor SharesVFIFX 2048–2052
January 1, 1988–
December 31, 1992		Vanguard Target Retirement 2055 Fund Investor SharesVFFVX 2053–2057
January 1, 1993–
December 31, 1997		Vanguard Target Retirement 2060 Fund Investor SharesVTTSX2058–2062
January 1, 1998–
December 31, 2002		Vanguard Target Retirement 2065 Fund Investor SharesVLXVX2063–2067
January 1, 2003 and laterVanguard Target Retirement 2070 Fund Investor SharesVSVNX2068 and later

Tier 2: Passively managed funds

Passively managed funds (also called index funds) are designed to mirror a market index or benchmark. These funds generally have lower fees than funds that are "actively managed;" that is, funds that try to outperform—or beat— market returns. Ultimately, index funds are designed to provide exposure to a broad selection of securities at a relatively low cost. While these funds typically perform very similarly to the index they track, you should be aware that index funds cannot be expected to meet or beat the index's performance.

Fund NameTicker
Vanguard 500 Index Fund Institutional SharesVIIIX
Vanguard Developed Markets Index Fund Institutional SharesVTMNX
Vanguard Emerging Markets Stock Index Fund Institutional SharesVEMIX
Vanguard Extended Market Index Fund Institutional SharesVIEIX
Vanguard FTSE Social Index Fund Institutional SharesVFTNX
Vanguard Total Bond Market Index Fund Institutional SharesVBTIX
Vanguard Total International Bond Index Fund Institutional SharesVTIFX
Vanguard Total International Stock Index Fund Institutional SharesVTPSX
Vanguard Total Stock Market Index Fund Institutional SharesVSMPX

Tier 3: Actively managed funds

Actively managed funds try to outperform comparable market indices or benchmarks. These funds are actively managed by a portfolio manager or team of managers that selects the investments they think will deliver the best combination of risk and return. These actively managed funds give you a great degree of flexibility, and the ability to rebalance and manage your portfolio over time. The cost of actively managed funds may be higher than passively managed.

Fund NameTicker
American Century High Income Fund R6 ClassAHIDX
Baird Core Plus Bond Fund Class InstitutionalBCOIX
DFA U.S. Targeted Value Portfolio Institutional ClassDFFVX
Diamond Hill Large Cap Fund Class YDHLYX
MFS Institutional International Equity FundMIEIX
New York Life Guaranteed Interest AccountN/A
Oakmark International Fund Investor ClassOAKIX
Principal Real Estate Securities Fund Class R-6PFRSX
T. Rowe Price Institutional Large Cap Growth FundTRLGX
Vanguard Cash Reserves Federal Money Market Fund Admiral Shares^ VMRXX
Vanguard Inflation-Protected Securities Fund Institutional SharesVIPIX
William Blair Small-Mid Cap Growth Fund Class IWSMDX
^You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund’s sponsor has no legal obligation to provide financial support to money market funds and you should not expect that the sponsor will provide financial support to the fund at any time.

Tier 4: BrokerageLink®

If you are interested in investments that are not listed above, a self-directed brokerage account may be right for you. Fidelity's BrokerageLink® combines the convenience of your retirement plan with the additional flexibility of an individual brokerage account. It gives you expanded mutual fund investment choices and the opportunity to manage your retirement plan investments more completely.

Fidelity BrokerageLink® is a self-directed brokerage account that includes mutual fund investments beyond those in your plan’s investment menu. You should compare investments and share classes that are available in your plan's investment menu with those available through BrokerageLink® and choose the available share class you feel may be appropriate for your particular situation.

The university’s retirement investment committee neither evaluates nor monitors the investments available through a self-directed brokerage account. It is your responsibility to ensure that the investments you select are suitable for your situation, including your goals, time horizon and risk tolerance. If you are interested in more information on this service contact Fidelity at 800-343-0860 for a commission schedule and/or a fact sheet that outlines the applicable fees and risks.

BrokerageLink fund options

Investment funds changes

On May 22, 2024, the Baird Core Plus Bond Fund Class Institutional (BCOIX) investment option was to the investment lineup and the PIMCO Total Return Fund Institutional Class (PTTRX) ceased to be offered.

The existing balance and future contributions for participants in the PIMCO Total Return Fund Institutional Class (PTTRX) will transfer to the new investment option, Baird Core Plus Bond Fund Class Institutional (BCOIX). Participants in the PIMCO Total Return Fund Institutional Class (PTTRX) will receive additional communications from Fidelity.