University of GeorgiaLincoln Financial Group

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Lincoln Alliance®Program


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The UGA Lincoln Alliance ® Program is an innovative mutual fund based retirement product customized especially for UGA participants that offers 19 core mutual funds and a Lincoln Stable Value (guaranteed) Account. The program is designed to offer a blend of index funds managed by Vanguard and a variety of actively managed funds with low overall expenses for their respective investment objective categories.

Plan features include but are not limited to:

  • No front-end or back-end sales charges
  • No surrender fees
  • No annual administrative fee
  • Local Athens representatives
  • Guaranteed minimum 3% rate on the Lincoln Stable Value Account
  • Fund expenses (.07% - 1.21%)
  • No M&E charges
  • Automatic account rebalancing feature
  • 24 hour account access

Mutual Funds

The funds offered are managed by these widely recognized fund families:

  • Vanguard
  • American Funds
  • Columbia
  • Calvert
  • MFS
  • BlackRock
  • Principal

Click here to view the investment performance chart and detailed fund descriptions.

The Lincoln Stable Value Account

The Lincoln Stable Value Account is a guaranteed fixed annuity back by the claims paying ability of The Lincoln National Life Insurance Company which enjoys solid ratings from respected ratings services such as Standard & Poor's, Moody's, Fitch, and A.M. Best.

The Stable Value Account guarantees your principal plus a declared interest rate. The crediting interest rate is guaranteed to never fall below 3%. Historical performance of the Click here to view the investment performance chart and detailed fund descriptions.

Allocating Your Investments

Participants are able to determine their own investment allocations and make adjustments to the account any time or they may select one of the LifeSpan® Asset Allocations Models.

LifeSpan® Asset Allocations Models are designed for investors who desire a diversified mix of the program's mutual funds and the Stable Value Account that best align with their retirement savings goals and risk tolerance. Participants may choose one 5 Risk Based Models that range from conservative to aggressive or they may choose a Time Based Model.

Risk Based Models are designed for participants seeking an allocation mix that suits a specific risk/return objective. The Models are rebalanced regularly to maintain the same risk profile over time.

Time Based Models are designed for participants seeking an allocation mix that will change over time, becoming more conservative as the target date approaches. The target date generally recommended is the Model date that most closely coincides with the year you believe you will be taking income distributions from the plan.

Click here to view the LifeSpan® Asset Allocations Models for your plan

Automatic Rebalancing

Participants are able to determine their own investment allocations and make adjustments to the account any time or they may select one of the LifeSpan® Asset Allocations Models.

LifeSpan® Asset Allocations Models are designed for investors who desire a diversified mix of the program's mutual funds and the Stable Value Account that best align with their retirement savings goals and risk tolerance. Participants may choose one 5 Risk Based Models that range from conservative to aggressive or they may choose a Time Based Model.

Investors who decide to customize their own investment allocations have the option of selecting an automatic rebalancing service. Over time, as various investment options in the plan perform differently from one another, it's automatic rebalancing triggers the plan to adjust your account holdings back to your predetermined allocation percentages for each of the investment options

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