Just the Facts: Finding Retirement Plan Information That Matters
When you think about The Consolidated Edison Thrift Savings Plan, you probably think about a time in the future when you'll retire and start taking distributions. Or maybe you think about the plan flexibility you enjoy today, the features that make the plan a smart—and virtually painless—way to save for your future.
However, there may be times when you wonder more about where the fund managers invest your money—and other details about the funds. You want the facts—the fund facts. Vanguard.com® is your definitive source for fund information. Plus the bulk of fund information is updated every business day!
It's easy to find details on total returns, portfolio holdings, expense ratios, and even obtain prospectuses. And if you explore Vanguard.com for these data, you'll discover a world of investing information, all available 24/7.
Learn About Vanguard and Other Plan Funds
Once you're at www.vanguard.com, find the link in the lower middle section of your screen – “Explore an area dedicated to your retirement needs.” You'll see that the “Retirement Plans” screen is your gateway to a world of support for your retirement investing. You can enroll, study financial topics, use interactive online tools, request a rollover (into your plan), and more.
After you've found “log on” at the upper right, you'll arrive at the “Log On” screen. Simply enter your personal information to access your account. If you have any questions or need assistance with the process, please call a Vanguard® Participant Services associate at 1-800-523-1188. Associates are available Monday through Friday, from 8:30 a.m. to 9 p.m., Eastern time.
Your first view will be of “Your Plan at a Glance” and “Your Total Asset Allocation.” Like the previous screen's options, here you can study the information, dig deeper into investment topics, and make account changes. Begin with the “Funds” tab at the top to get started researching plan and non-plan investments!
A table on the “Funds” page covers for each fund:
Click the fund name to see a snapshot of the fund that includes:
Knowing the past performance of a fund can be useful. Yet it clearly is not a guarantee of similar — or any level of — future performance. However, it does show the track record that investment managers have garnered over time. When looking at the data, remember that the markets have had significant swings (both up and down) in the past and that in some cases, management teams have changed. Many factors affect past results.
Your Account Matters
Log on at www.vanguard.com to check account balances, conduct transactions, research funds, and use financial-planning tools. You'll need your plan number to register, which is 090041, 090042, or 090404. Confirm your plan number by checking your account statement. You can also elect to view your statements on line. Consider the funds' cost of paper and mailing by opting to receive your statements online and not in the mail.
Don't Forget the Prospectus
There are reasons that investing materials direct you to a fund's prospectus. It is a standardized and comprehensive booklet that covers virtually every facet a prudent investor needs to know when selecting an investment. On the “Funds” page you can choose “Prospectuses and fact sheets” and download these items — or receive them by mail. The prospectus will cover these in detail:
Investing online is the quickest, easiest, and most cost-effective way to transact with Vanguard. (Remember: Lower costs may mean we can pass more savings on to you.) Take advantage of the wealth of information and online tools available at www.vanguard.com. The time spent may not only help make you a smarter investor, but may potentially help you to find greater success — along the way — as you save in The Consolidated Edison Thrift Savings Plan.
Take action toward increasing the odds of reaching your retirement goals: link to www.vanguard.com.
For more information about any fund, including investment objectives, risks, charges, and expenses, call The Vanguard Group at 1-800-523-1188 to obtain a prospectus. The prospectus contains this and other important information about the fund. Read and consider the prospectus information carefully before you invest. You can also download Vanguard fund prospectuses at www.vanguard.com.
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