Retirement Services Value Product
RIC 403b 2009 Investment Providers have all the investment information & applications you need to choose your investments & get your payroll deduction started.o choose a provider,call the providers and ask about their products & services (see sample questions below). In general, a good investment product shouldnclude diversified fund options, competitive returns, quality customer service, low administrative cost, and flexible distribution options.I o w a D e p a r t m e n t o f A d m i n i s t r a t i v e S e r v i c e sRetirement Investors Club (RIC)403b 2009 Provider Summarylook
forward to
retirement!TiPhone 800-945-6763800-424-2825 ext 47636800-999-1030800-555-1970
515-698-7973
800-747-5164 ext 2403800-842-2776Website www.aigretirement.com/iowawww.retire.hartfordlife.com/iowa/www.horacemann.comwww.ingretirementplans.com/c
ustom/iowawww.securitybenefit.comwww.securityretirement.comwww.tiaa-cref.org/IowaCredit Rating A+ AM Best Credit RatingA+ AM Best Credit RatingA- AM Best Credit RatingA+ AM Best Credit RatingA- AM Best Credit RatingA++ AM Best Credit RatingProduct Name Inside EdgePremier SolutionsING Retirement ChoiceIowa Educators SFRTIAA-CREF Group
Supplemental Ret AnnuityInvestment
Options Fixed Rate Account
90 Variable Rate FundsFixed Rate Account
23 Variable Rate Funds Fixed Rate Account
24 Variable Rate Funds Fixed Rate Account
25 Variable Rate Funds
Self-Directed Brokerage Option Fixed Rate Account
44 Variable Rate FundsNEA ValueBldr Mut Fd available for
current participants onlyFixed Rate Account
28 Variable Rate Funds Investment
Planning Tools Guided Portfolio
Account AggregationMorningstar GuidanceAsset Allocation
Solutions Planning SoftwareIncome Wizard
Financial Calculators
Online Investor ProfileMorningstar Online
Calculators
TRACK Software
Arnerich MassenaCalculators
Investor Profiles
Retirement Planning
Ibbotson Asset Alloca AdviceRestrictions NoneNoneNoneNoneNoneNoneAccount
Information 24/7 phone & internet access
Quarterly statements24/7 phone & internet access
Quarterly statements24/7 phone & internet access
Quarterly statements24/7 phone & internet access
Quarterly statements24/7 phone & internet access
Quarterly statements24/7 phone & internet access
Quarterly statementsOptions at
Retirement Flexible payment options-no
penalties or restrictionsFlexible payment options- no
penalties or restrictionsFlexible payment options- no
penalties or restrictionsFlexible payment options- no
penalties or restrictions
Flexible payment options- no
penalties or restrictionsFlexible payment options- no
penalties or restrictions
Ask the provider How do I enroll in the 403b
program?Will a representative meet with
me to explain investment
options & help with paperwork
if I wish?Why should I choose your firm
over the other 5 providers?Ask yourself Was contacting someone
easy?Does selecting investments &
opening a new account sound
easy?Was the staff and product
information helpful?Notes See the reverse side for a list of investment optionsAsset Class Sub-classAIG RetirementHartford LifeHorace MannING Financial AdvSecurity BenefitTIAA-CREFStable ValueFixed Account*Hartf Gen Declared Interest Acct*Horace Mann Fixed Account*ING Fixed Plus III Account*Security Benefit Fixed Account*TIAA Traditional*PrincipalProtectionMoney MktMoney Market IT Rowe Price VIP Prime Res PortING Money Market Class I Am Century Prime Money MarketCREF Money MarketGovernmentGovernment Securities
Inflation Protection
Int'l Government BondGoldman Sachs Gov Income;
PIMCO Real ReturnWilshire VIT Short Term InvestING GNMA Income Class IPIMCO Real ReturnInflation Linked BondSht-
Intermediate-
TermCap Conservation
Strategic BondPIMCO Total Ret Bd
PIMCO Low Dura Bd Hartford Total Return Bond HLSFidelity VIP Inv Grade Bond Port SC2 ING PIMCO Total Ret Port SCFederated Bond
PIMCO Tot Ret
Am Century International Bond
Security Capital PreservationTIAA Acc W Asset Mgmt Core BondPlusCREF BondFixed IncomeHi-YieldHigh Yield BondPioneer High YieldFidelity VIP Hi Income Port SC2Pioneer Hi Yield Class ALegg Mason Ptnrs Glob Hi Yield BBalancedTraditionalAsset AllocationFranklin Income
Am Funds IncomeVan Kampen Equity and IncomeWilshire VIT Balanced FundPax World BalancedVan Kampen Equity and IncomeCREF Social ChoiceS&P 500 Index Stock Index FundFidelity VIP Index 500 Port SC2ING Stock Index Port folio S Class Dreyfus S&P 500 IndexTIAA Acc S&P 500 FundLg Cap ValueBroad Cap Val Inc;
Core Value; Value;
Large Cap ValuePioneer Cullen Val
Mutual Beacon
Dreyf Prem Strat ValEaton Vance Large Cap ValueDavis Value PortfolioAllianz NFJ Dividend Value Class ADreyfus Premier Strategic Value
Jennison Value
Van Kampen ComstockTIAA Acc Large Cap ValueLg Cap BlendCore Equity
Growth & Income
Large Cap Core
Socially ResponsibleAm Funds Fund Inv
Pioneer Fund
AIM Charter
Davis NY VentureDavis New York VentureFidelity VIP Growth & Inc Port SC2Fundamental Investors SM R4Am Century Equity Growth
Jennison 20/20 FocusCREF Stock
CREF Equity IndexCore StockLg Cap GrowthBlue Chip Growth
Large Cap Growth
Growth
Capital Appreciation
Nasdaq 100 IndexNeub Ber Soc Resp
Janus Advsr Forty
AF New Econ GrowthAm Fds Growth Fund of Amer R3Fidelity VIP Growth Portfolio SC2Am Funds Growth Fund of Amer R4Janus Adv Growth & Income
Marsicp Growth
T Rowe Price Growth StockCREF Growth
TIAA Acc T Rowe Price Inst LargeCap GrowthMid Cap Value Mid Cap ValuePioneer Md Cp Value
Artisan Md Cp Value
Colum Md Cap ValuePioneer Mid Cap ValueAlliance Bernstein VPS Small/Mid CapValue PortfolioING JPMorgan Mid Cap Value SC RS ValueSecurity Mid Cap ValueTIAA Acc Mid Cap ValueMid Cap Blend Mid Cap IndexFidel Adv LevCoVictory Special ValueRainier Small/Mid Cap Equity Portfolio CRM Mid Cap Value Inv SharesAston Optimum Mid Cap
Dreyfus Premier Struct Mid CapMid Cap
GrowthMid Cap Growth
Mid Cap Strategic GrAm Cent Vista
Dreyf Fndrs Md Cap
Munder Md Cp CorAlger Mid Cap Growth InstWells Fargo Adv VT DiscoveryING FMR SM Divers Mid Cap SCAIM Capital Development
Baron AssetTIAA Acc Mid Cap GrowthSm Cap Value Sm Cap Spec ValueSm Cap ValueAll'nz NFJ Sm Cp Val
Columbia Sm Cp Val Goldman Sachs Small Cap ValRoyce Capital Fund Small Cap PortING Columbia Small Cap Val II SC RS PartnersWells Fargo Advant Small Cap ValueSm Cap Blend Sm CapSm Cap IndexOppen Main St SmLord Abbett Small Cap BlendDreyfus Investment Portfolio
Small Cap Stock Index PortfolioING Small Company Class IAston/TAMRO Small Cap
Royce ValueTIAA Acc SCB Index
TIAA Acc SC EquityAggressiveStockSm Cap
GrowthSm Cap Aggress Gr
Sm Cap Growth
Sm-Mid GrowthFidelity Adv Sm Cap
Am Cent New Opp II Van Kampen Small Cap GrowthDelaware VIP Trend Series SCING Baron Sm Cap Growth Port SC AIM Small Cap GrowthBaron Small CapGlobal StockGlob Socially Aware
Global Equity
Global StrategyAm Fnds Cap Wrld GI Templeton GrowthCapital World Growth & Inc SM R4 T Rowe Price Global StockCREF GlobalLg Stock Value Foreign ValueJP Morgan Int'l Value Alliance Bernstein Intl ValueING International Value Class ILg Stock Blend Int'l EquitiesAm Fnds Euro Pacif
Fidelity Adv Int'l Disc
Alliance Ber Int'l GroAmer Funds EuroPacific Growth R3 Fidelity VIP Overseas Portfolio SC2ING Julius Baer Foreign Port SCT Rowe Price Int'l Growth & IncomeTIAA Access Intl EquityInternationalLg Stock GroInt'l Sm Cp Equity
Int'l GrowthAIM Int'l Growth
AIM Develop Mkts
Fidel Adv Emrg MktsJanus Advisor Intl GrowthING Marsico Intl Opp Port SCFidelity Adv Diversified International
Janus Adv International Growth
AIM Developing MarketsSpecialty/SectorHealth Science
Science & Tech
Real EstateAIM Engery
Am Cent Real Estate
Oppen Gold & SpecDelaware VIP REIT Ser SCING Van Kampen Real Estate Port-SCNeuberger Berman Socially Respons
Fidelity Advisor Real Estate
Jennison Natural Resourses
RS TechnologyCREF Real EstateLifestage/
Target DateAggressive Growth
Conservative Growth
Moderate GrowthT Rowe Pr Rtm 2010,
2020, 2030, 2040Barclays Global Investors LifePath
2010, 2020, 2030, 2040,
RetirementWilshire VIT 2010 Conserv, 2010 Mod,
2010 Aggr, 2015, 2025, 2035, 2045ING Solution PortSC 2015, 2025,
2035, 2045, Income PortT Rowe Price Ret; 2010, 2020, 2030,
2040, 2050, Retirement Inc.TIAA Acc Lifecycle 2010, 2015, 2020,
2025, 2030, 2035, 2040, 2045, 2050,
Retirement Inc.AlternativeSelf-Directed Brokerage AccountAmeritrade ($50/yr) 13,000+ Mutual
Funds; $5,000 min in core acct;
$2,500 min initial depositFees for Variable Rate Funds (Provider and fund management fees are annualized on the assets you invest in variable rate funds and are reflected in your returns)Provider fee.40%+$7.50/qtr 0%.95% .10% .50%0%Fund Management fee.35-1.17% .75-1.47%.10-1.79% .51-1.31% .50-1.75%.49-.90%Range of total fees.75-1.57% .75-1.47% 1.05-2.74% .61-1.41% 1.00-2.25%.49-.90%S t a t e o f I o w a R e t i r e m e n t I n v e s t o r s C l u b 4 0 3 b P l a n I o w a D e p a r t m e n t o f A d m i n i s t r a t i v e S e r v i c e s* No fees
Revised 08/27/085 1 5 - 2 8 1 - 0 5 6 9 5 1 5 - 2 8 1 - 5 1 0 2 ( f a x ) h t t p : / / d a s . h r e . i o w a . g o v / r i c . h t m l
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