Please note that contributions need to be received by Fidelity no later than December 15 to be processed and included in the current tax year.
List of Mutual Funds Available for Investment at Fidelity
Please note that RCRP cannot give individual tax or investment advice. We highly recommend consulting a tax professional or financial planner.
Tier 1 (“ONE-FUND TARGET YEAR”) is a group of Target Date Funds (a balance of stocks and bonds) based on your estimated retirement year. This could be your one-fund investment choice. This is the industry standard and simplest form of investing. Each of these funds is a mixture (balance) of stocks and bonds, varied on the basis of time to anticipated retirement. Note that there are two target date fund options for each retirement year: (for example 2040), Fidelity Freedom Index and Fidelity Freedom. The least expensive option is the Fidelity Freedom Index, for example FID FDM IDX 2040 INV (FBIFX).
Tier 2 is a short list of low-cost funds for those who prefer to choose their own investments, listed under “CORE FUNDS.”
The RCRP investment committee believes that RCRP participants can manage their retirement accounts with good options using Tier 1 or Tier 2 choices only.
Tier 3 includes over 190 more Fidelity Funds. Fidelity has also begun several new Environmental, Social and Governance funds (ESG), with differing selection criteria, which are available through Tier 3 (“Expanded Options”). More information from Fidelity on sustainable investing funds is available here.
Tier 4 is the option to open a Fidelity brokerage account. This is the most self directed option. Most RCRP participants will not need to use Tier 3 or Tier 4, though they are an option.
Transfer/Rollover of Funds (if applicable). You may have funds, earned as a rabbi or cantor, in other retirement accounts such as an IRA or 403(b) account that you want to transfer/rollover to your RCRP account. Check the FAQ section of our website for more information, and to confirm these funds are eligible to be transferred to RCRP. Let us know you have funds to rollover and we’ll send you instructions.
Fidelity New Account Enrollment
Fidelity Account Login (Fidelity NetBenefits)
Request for Simplified Contribution Platform Access
Link to the Simplified Contribution Platform (SCP)
User Guide for Simplified Contribution Platform (SCP)
Fidelity Salary Deferral Form (optional form to give to your employer)
List of Mutual Funds Available for Investment at Fidelity
Link to RCRP Adoption Agreement via DocuSign
PDF of RCRP Adoption Agreement (for view only)
Link to RCRP Rollover Documentation Form via DocuSign
PDF of RCRP Rollover Documentation Form (for view only)
Link to RCRP Annual Parsonage Designation Request via DocuSign
PDF of RCRP Annual Parsonage Designation Request (for view only)
RCRP Participant Information Update Form (use this form to update your email, phone, address, employer, etc.)