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Get help investing foryour retirement yearsFedEx Corporation
Some people want to know which investments to pick.Others want to know whether they’re saving enoughfor their retirement. Still others need help managinginvestments in several accounts.No matter what your retirement investment needsare, Vanguard’s advice, education and all-in-oneinvestment options can help. We can even do mostof the work for you.How to get helpTo view your Plan’s advice, education and all-in-one investment options online,log in to your account at vanguard.com/retirementplans. If you need to registerfor access, you can use your Plan number: 093111.*How much help do you need?Whether you just want a little guidance or prefer ongoing investment management, youcan find the help that’s right for you.Let Vanguard helpDo it yourself Vanguard Situational Advisor Vanguard Target Retirement Trusts Vanguard Managed Account Program Investor Questionnaire Personal Online AdvisorPlease note that Vanguard handles only the portfolio rebalancing and portfolioconstruction for Target Retirement Trusts. Even though Target Retirement Trustssimplify investing, you should still check your asset mix from time to time toensure the portfolio is in line with your current situation.*If you have an individual account at Vanguard (in addition to your Plan account), you can use your individual account numberto register for immediate, secure online account access. If you are already registered at vanguard.com, your current user nameand password will enable you to access your individual and Plan accounts.3
Let Vanguard helpVanguard Situational AdvisorYour questions answered by a financial advisorIf you are age 55 or older, you can speak with a financial advisor free of charge.Your financial advisor can help you work through your questions about choosinginvestments, saving for college and transitioning into retirement.If you need more guidance, your financial advisor may suggest that you takeadvantage of a complimentary Vanguard Financial Plan. Your advisor can recommendan appropriate asset allocation strategy for your situation, determine whether yourcurrent savings rate will help you meet your retirement goals, suggest what to doif there’s a projected shortfall and estimate how much you can safely spend eachyear in retirement.For either service, you’ll complete an online questionnaire about your goals andcurrent portfolio and then schedule a phone consultation with a financial advisor.Your assigned financial advisor is a salaried professional who receives nocommission for their recommendations.If you are under age 55, you can pay for a Vanguard Financial Plan. The cost variesdepending on the amount you have invested with Vanguard.Vanguard Managed Account ProgramProfessional retirement plan account managementThe Vanguard Managed Account Program,* powered by Edelman Financial Engines,provides ongoing professional management for your investments in the Plan. The servicewill select your funds, invest your money and periodically change your asset mix tosuit your goals. The service can also consider money you’ve saved outside of yourPlan when developing your personalized investment strategy. You’ll get to previewyour proposed strategy before any initial changes are made to your account, and you’llreceive a quarterly portfolio report.With the Managed Account Program, you’ll always receive clear, objective andpersonalized investment management from an independent advisor.The annual fee for the program is based on a percentage of your assets, dependingon your balance ( 60 minimum annual fee).*The following groups are not eligible for the Vanguard Managed Account Program (VMAP): Section 16 insiders. Employees in the FedEx Corporation Retirement Savings Plan for Puerto Rico (093851). Employees who have an address outside of the United States, or an address in Guam or the U.S. Virgin Islands.4
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Do it yourselfVanguard Target Retirement TrustsA single-investment optionYou may want to consider investing in just one Target Retirement Trust. A singleall-in-one Target Retirement Trust provides diversification and is designed to keepyour assets invested appropriately for someone in your stage of life, up to and includingyour retirement years. Each Target Retirement Trust invests in several broadly diversifiedVanguard funds.Investments in Target Retirement Trusts are subject to the risks of their underlyingfunds. The year in the trust name refers to the approximate year (the target date)when an investor in the trust would retire and leave the workforce. The trust willgradually shift its emphasis from more aggressive investments to more conservativeones based on its target date. The Income Trust and the Income and Growth Trusthave fixed investment allocations and are designed for investors who are alreadyretired. An investment in a Target Retirement Trust is not guaranteed at any time,including on or after the target date.Whenever you invest, there’s a chance you could lose the money. Keep in mind thatdiversifying means having different types of investments. It doesn’t guarantee you’llmake a profit or that you won’t lose money.6
Investor QuestionnaireFind an asset mix that’s right for youResearch shows that your asset mix—how you spread your money acrossstocks, bonds, and cash—has a greater effect on long-term returns than yourchoice of investments.Vanguard’s Investor Questionnaire can suggest an asset mix for you. Just answer11 quick questions. No investing or financial knowledge is needed. Go with yourgut reaction to each question.When you’re finished, you’ll receive a suggested asset mix based on your tolerancefor risk, time until retirement and investing experience. You can accept the suggestedmix or choose one that is more conservative or aggressive. And you can always retakethe questionnaire down the road if your circumstances change.Personal Online AdvisorAn objective review of your investment portfolioPersonal Online Advisor,* also powered by Edelman Financial Engines, offers independent,online investment advice for participants in the Plan. Personal Online Advisor forecasts yourchances of reaching your retirement goals, provides fund recommendations and helps youmonitor your investments. You can also analyze various “what-if” scenarios and includenon-Vanguard assets and income sources in your retirement planning.*The following groups are not eligible for Personal Online Advisor: Employees in the FedEx Corporation Retirement Savings Plan for Puerto Rico (093851). Employees who have an address outside of the United States, or an address in Guam or the U.S. Virgin Islands.7
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Questions?Don’t let your financial questions go unanswered. To learn more or get started, callVanguard at 1.800.523.1188. Associates are available Monday through Friday from8:30 a.m. to 9 p.m., Eastern time.The Vanguard Group has partnered with Financial Engines Advisors L.L.C. (FEA) to provide subadvisory services tothe Vanguard Managed Account Program and Personal Online Advisor. FEA is an independent, federally registeredinvestment advisor that does not sell investments or receive commission for the investments it recommends withrespect to the services which it is engaged in as subadvisor for Vanguard Advisers, Inc. (VAI). Advice is provided byVanguard Advisers, Inc. (VAI), a federally registered investment advisor and an affiliate of The Vanguard Group, Inc.(Vanguard). Vanguard is owned by the Vanguard Funds, which are distributed by Vanguard Marketing Corporation,a registered broker-dealer affiliated with VAI and Vanguard. Neither Vanguard, FEA, nor their respective affiliatesguarantee future results. Vanguard will use your information in accordance with Vanguard’s Privacy Policy.Edelman Financial Engines is a registered trademark of Edelman Financial Engines, LLC. All rights reserved.Used with permission.Participant EducationVanguard Situational Advisor is provided by Vanguard Advisers, Inc. (VAI), a registered investment advisor.Eligibility restrictions may apply.P.O. Box 2900Valley Forge, PA 19482-2900Neither VAI nor Vanguard Situational Advisor can guarantee a profit or prevent a loss.Vanguard Target Retirement Trusts are collective trusts, not mutual funds. This type of investment is offered onlyin retirement plans like yours. Before you invest, get the details. Know and carefully consider the objective, risks,charges, and expenses. Vanguard Fiduciary Trust Company manages the Vanguard collective trusts. 2021 The Vanguard Group, Inc.All rights reserved.BBBBQKZR 112021
Your questions answered by a financial advisor If you are age 55 or older, you can speak with a financial advisor free of charge. . current portfolio and then schedule a phone consultation with a financial advisor. . personalized investment management from an independent advisor. The annual fee for the program is based on a percentage of .
