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Your investment options

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.

View detailed communication

Decide how to invest 

  1. 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. 
  2. 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.

403(b) enrollment kit

457(b) enrollment kit


Still unsure?

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).

Mutual funds in the Lincoln Alliance® program are sold by prospectus. An investor should consider carefully the investment objectives, risks, and charges and expenses of the investment company before investing. The prospectus and, if available, the summary prospectus contain this and other important information and should be read carefully before investing or sending money. Investment values will fluctuate with changes in market conditions so that, upon withdrawal, your investment may be worth more or less than the amount originally invested. Prospectuses for any of the mutual funds in the Lincoln Alliance® program are available at 800‑234‑3500.

The Lincoln Alliance® program includes certain services provided by Lincoln Financial Advisors Corp. (LFA), a broker-dealer (member FINRA, SIPC) and a retail and financial planning affiliate of Lincoln Financial Group, 1301 S. Harrison St., Fort Wayne, IN 46802. Account values are subject to fluctuations including loss of principal. Unaffiliated broker-dealers also may provide services to customers. Lincoln Investment Advisors Corporation (LIAC) is the investment management organization of Lincoln Financial Group. 

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY, and their applicable affiliates (collectively referred to as “Lincoln”). This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products and services.