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About the plan
We want to help you build a solid financial future.
Your plan is available exclusively to this organization. Once you’ve joined the plan, you can easily and conveniently access your account information at any time. Sign up today by registering your account and you’re on your way.Need answers? Look here for the Spectrum Health System 403(b) Plan FAQs
Plan features: Ways to help you save
Asset allocationGoalMaker—Strategies to support your unique investing style
You can help take the guesswork out of choosing an investment mix. Just answer three questions to find a model portfolio that may work for you.
Keep in mind that application of asset allocation and diversification concepts do not ensure a profit or protect against loss in a declining market. You can lose money by investing in securities.
Guaranteed incomePrudential IncomeFlex Target—A way to convert savings into guaranteed income*Footnote: Guarantees are based on the claims-paying ability of the insurance company and are subject to certain limitations, terms, and conditions. Withdrawals or transfers (other than transfers between Active IncomeFlex Target Funds) proportionately reduce guaranteed values prior to locking in. After Lock-in withdrawals in excess of the Lifetime Annual Withdrawal Amount will reduce future guaranteed withdrawals proportionately and may even eliminate them. End footnote.
Offered by Prudential Retirement Insurance and Annuity Company, Prudential IncomeFlex Target® protects your future income from market fluctuations while you are saving and guarantees income for life once you retire.
Your principal value is not guaranteed at any time and will fluctuate with market volatility.
Increase contributionsContribution Accelerator—Simple, consistent, automatic saving
You can help build your account balance by increasing your contributions each year. Use this tool if you’d like to schedule an annual increase.
GoalMaker’s model allocations are based on generally accepted financial theories that take into account the historic returns of different asset classes. But of course, past performance of any investment does not guarantee future results. Participants should consider their other assets, income and investments (e.g. equity in a home, Social Security benefits, individual retirement plan investments, etc.), in addition to their interest in the plan, to the extent those items are not taken into account in the model. Participants should also periodically reassess their GoalMaker investments to make sure their model portfolio continues to correspond to their changing attitudes and retirement time horizon.
+ A target-date fund should not be selected based solely on age or retirement date. Participants should carefully consider the investment objectives, risks, charges and expenses of any fund before investing. Funds are not guaranteed investments, and the stated asset allocation may be subject to change. You can lose money by investing in securities, including losses near and following retirement.
Prudential IncomeFlex Target Funds are separate accounts available under group variable annuity contracts issued by Prudential Retirement Insurance and Annuity Company (PRIAC), Hartford, CT. PRIAC does not provide any guarantee of the investment performance or return on contributions to those separate accounts. Like all variable investments, these funds may lose value. PRIAC’s guarantee of certain withdrawals is supported by PRIAC’s general account and is contingent on its claims-paying ability. You should consider the objectives, risks, charges and expenses of the funds and guarantee features. For this and other information, please access the participant website or call 877-PRU-2100 (877-778-2100)877-PRU-2100 (877-778-2100) for a copy of the Prudential IncomeFlex Target Important Considerations prior to investing. Product availability and terms may vary by jurisdiction and product version. Subject to regulatory approvals. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Contract form #GA-2020-TGWB4-0805 or state variations thereof. PRIAC is solely responsible for its financial condition and contractual obligations.
Your Retirement Plan Resources & Quick Actions
View Plan Documents
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