Investing can seem intimidating, but it doesn’t have to be. In fact, your retirement plan offers two ways of creating a diversified investment portfolio.
Important change notice
We are pleased to announce that effective April 1, 2023, the HCPS 403(b) and 457(b) plans’ annual administration cost is being reduced from 0.13% to 0.075% annually. Beginning April 1, 2023, Lincoln will deduct fees from your account for certain distribution types.
Effective April 12, 2023, the Lincoln Stable Value funds will be replaced with new products featuring a 1.00% Guaranteed Minimum Interest Rate (GMIR) and a 2.45% portfolio rate through 12/31/2023.
Decide how to invest
- Make an all-in-one-choice. Ready to save, but don’t know which direction to take your investments? Consider an all-in-one model to get started.
- Manage it yourself. If you enjoy learning about investments and want to build your own portfolio of investments from the plan’s lineup, this option may be best suited for you.
As your situation changes over time, your investing approach can change, too. Once you decide on your approach, review your investment options.
Talk to a retirement consultant for education and assistance to you make informed decisions.
For detailed information about your investment choices, download your enrollment kit.
If you don’t know which investments you want to choose, you can still enroll in the plan and select a contribution rate. Your contributions will be automatically invested in the plan’s Qualified Default Investment Alternative (QDIA).