It's Your Retirement. We'll Help You Get There
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It’s your retirement. We’ll help you get there. RETIREMENT PLAN SERVICES 3625026 Participating in the University of Texas Retirement Program is a great way to help realize the retirement you envision. That’s why it’s important to choose a retirement plan provider that puts you first and has experience helping people just like you reach their goals. Consider a company with a reputation for integrity and personal service you can trust with your financial future — a company like Lincoln Financial Group. 3 reasons to choose Lincoln Financial 1 2 3 To us, you’re Your success You’re building a valued is our priority on a solid relationship, Our goal is to help you foundation not an account achieve your retirement When The Lincoln National number goals. We work with you Life Insurance Company on a saving strategy that was established in Fort We consider it a privilege considers both your current Wayne, Indiana, in 1905, to form long-standing financial obligations as well our founders envisioned personal relationships as future income needs. We a company rooted in with our clients. We get support you with personal dependability, honesty, to know you one-on-one, service, 24/7 access to and integrity. Today, and the retirement saving account information, and Lincoln Financial Group strategy we help you personalized online tools has stayed true to these create is uniquely yours. and calculators. We help ideals and continues to The guidance we offer you map out a plan you help our clients build, addresses a wide range can live with so that the protect, and manage their of retirement planning money you save during assets. Whether you’re just needs. What’s more, this your working years may getting started, need help comprehensive, personal provide the income you understanding investments, service is provided to you need to enjoy a confident want to stay on track year after year. retirement. to meet your goals, or preparing for retirement and beyond, we can help. To learn more about what Lincoln Financial can do for you, go to LincolnFinancial.com/UT. Or, call the Lincoln Customer Contact Center at 800-454-6265, option *8, business days between 7:00 a.m. and 7:00 p.m. Central. We welcome the opportunity to help you achieve your retirement goals and look forward to hearing from you. 2 Retirement Plan Services Lincoln Financial Group Founded in 1905, Lincoln Financial Group is a Fortune 500 company offering products and services to help people feel in control, confident, and financially prepared. As a provider of retirement solutions for over 60 years, Lincoln serves more than 1.5 million participants. More than 21,000 plan sponsors have chosen Lincoln Financial as their retirement plan provider. For more information, visit LincolnFinancial.com/Retirement. Product highlights Fees and restrictions Lincoln Financial offers a mutual fund program and a group Lincoln Alliance® program offers: variable annuity product. No annual administrative fees ® Lincoln Alliance program offers: No surrender charges 25 core mutual funds No M&E charges 12 asset allocation models Fund expenses (0.07% – 1.02%)2 Guaranteed fixed annuity (1.5% minimum) 20% annual limit on fixed account transfers No surrender charges may apply Self-Directed Brokerage Account through TD Ameritrade Multi-Fund® Group variable annuity offers: Multi-Fund® Group variable annuity offers: No annual administrative fees 20 variable investment options No surrender charges 2 asset allocation models 0.55% annual M&E fee Guaranteed minimum death benefit1 Fund expenses (0.37% – 0.82%) Lifetime annuity guarantees 20% annual limit on fixed account transfers may apply Refer to the applicable prospectus for complete Participant service options information on risks, fees, and expenses. Access to your account is available 24 hours a day, seven days a week at LincolnFinancial.com/UT. How to enroll Knowledgeable Customer Contact Center Contact your Lincoln representative to help you enroll in representatives are available from 7:00 a.m. to 7:00 p.m. your retirement plan or visit the UT Retirement Manager Central by calling 800-4LINCOLN *8 (800-454-6265*8). website for information on our retirement programs, Your local Lincoln representative is available to developed exclusively for The University of Texas assist you with your retirement planning needs, from employees. For a complete list of Lincoln representatives enrollment to retirement. Visit LincolnFinancial.com/UT by institution, please visit LincolnFinancial.com/UT. to contact your local Lincoln representative. Detailed information about our products and services, investments, market conditions, and retirement planning needs are available at any time. You can attend on-site seminars on relevant topics. 1Guarantees are subject to the claims paying ability of the Lincoln National Life Insurance Company. 2Data provided by Morningstar and subject to change. Lincoln Financial does not guarantee its accuracy. Investors are advised to consider the investment objectives, risks, and charges and expenses of the investment, or the variable annuity and its underlying investment options carefully before investing. The applicable prospectus contains this and other important information about the investment. Please call 800-4-LINCOLN *8 (800-454-6265 *8) for a prospectus. Read it carefully before investing or sending money. 3 Mutual fund investment options The Lincoln Alliance® Program offers a variety of widely recognized mutual funds along with 12 asset allocation models. Core mutual funds Balanced/allocation-based Bond-based investments Specialty investments investments BlackRock Inflation Protected Bond Instl5 2 T. Rowe Price Real Estate Adv9 American Funds American Balanced R5E Delaware Diversified Income Instl American Funds 2010 Trgt Date Retire R44,11 Metropolitan West High Yield Bond I7 International stock investments American Funds 2015 Trgt Date Retire R44,11 PIMCO Total Return I2 American Funds EuroPacific Growth R531 American Funds 2020 Trgt Date Retire R44,11 Templeton Global Bond Adv10 Invesco Developing Markets A1,8 American Funds 2025 Trgt Date Retire R44,11 Vanguard Interm-Term Bond Index Adm5,12 Vanguard® Developed Markets Idx Admiral1,12 American Funds 2030 Trgt Date Retire R44,11 4,11 Cash and stable value investments U.S. Stock Investments American Funds 2035 Trgt Date Retire R4 American Funds 2040 Trgt Date Retire R44,11 American Funds US Government MMkt R43 13 AMG Renaissance Large Cap Growth I American Funds 2045 Trgt Date Retire R44,11 Lincoln Stable Value Account - LNTPA American Funds Fundamental Invs R5E American Funds 2050 Trgt Date Retire R44,11 BNY Mellon Structured Midcap I American Funds 2055 Trgt Date Retire R44,11 12 Columbia Large Cap Index Inst American Funds 2060 Trgt Date Retire R44,11 6 Columbia Mid Cap Growth Inst PIMCO All Asset All Authority Inst11 Columbia Mid Cap Index Inst6,12 Columbia Small Cap Index Inst6,12 Delaware Small Cap Value Instl6 Heartland Mid Cap Value Institutional6 Janus Henderson Triton T6 Virtus NFJ Dividend Value Admin Principal MidCap R46 Wells Fargo Growth Inst Mutual fund investment options disclosures 1InvestinginternationallyinvolvesrisksnotassociatedwithinvestingsolelyintheUnitedStates,suchascurrencyfluctuation,politicalrisk,differencesinaccounting,andthe limited availability of information. 2Assetallocationdoesnotensureaprofitorprotectagainstlossinadecliningmarket. 3 An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. 4 The target date is the approximate date when investors plan to retire or start withdrawing their money. Some target-date funds make no changes in asset allocations after the target date is reached; other target-date funds continue to make asset allocation changes following the target date (see prospectus for the fund’s allocation strategy). The principal value is not guaranteed at any time, including at the target date. 5Thereturnofprincipalinbondportfoliosisnotguaranteed.Bondportfolioshavethesameinterestrate,inflation,credit,prepayment,andmarketrisksthatareassociated with the underlying bonds owned by the fund (or account). 6 Funds that invest in small and/or mid-size company stocks typically involve greater risk, particularly in the short term, than those investing in larger, more established companies. 7High-yieldportfoliosmayinvestinhigh-yieldorlowerratedfixed-incomesecurities(junkbonds),whichmayexperiencehighervolatilityandincreasedriskofnonpayment or default. 8 Investing in emerging markets can be riskier than investing in well-established foreign markets. International investing involves special risks not found in domestic investing, including increased political, social, and economic instability. 9REITsinvolveriskssuchasrefinancing,economicconditionsintherealestateindustry,changesinpropertyvalues,dependencyonrealestatemanagement,andother risks associated with a portfolio that concentrates its investments in one sector or geographic region. 10Thereturnofprincipalinbondportfoliosisnotguaranteed.Bondportfolioshavethesameinterestrate,inflation,credit,prepayment,andmarketrisksthatareassociated with the underlying bonds owned by the fund (or account). Investing internationally involves risks not associated with investing solely in the United States, such as currencyfluctuation,politicalrisk,differencesinaccounting,andthelimitedavailabilityofinformation.Fundsthatinvestinsmalland/ormid-sizecompanystockstypically