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Inves
st in yourself and yo
our future
AAFES 401(k)
( )
Retirement Savings Plan
Be p
part of the AAFES 401(k)
( ) Retirement Savings
g Plan. Benefit from:
The impact of an early start. Don’t let yourself get behind. Starting to save today could
give you more at retirement than if you wait another few years.
Fast Fa
acts Abo
out Your Plan
Do what you can afford. Pick a number that feels comfortable to you. You can always
change it later. The important thing is to invest what you can afford and start right away.
Save more for you, pay less to the IRS. Your contributions to a 401(k) come out of
your pay before income taxes are taken out. This means that you can actually lower your
current taxes by investing in the plan today. If you qualify, you could also receive a tax
credit for saving for your retirement.*
Tax-deferred growth. Since you pay do not have to pay taxes on earnings in a 401(k)
until you withdraw money from the account,
account you keep more of your money working for you
in your account.
Enroll in the retirement plan
Enrolling in your plan is the right step towards a more secure retirement. It's easy to join your
plan and make that next great investment in yourself.
Here's how.
 First, go to Fidelity NetBenefits® at www.401k.com.
 Next, click “Register Now” and set up your User ID and Password.
 Finally, click on the link to enroll.
 If you have questions or need help before getting started, visit www.401k.com or call
Fidelity at 1-800-835-5098.
*Check your eligibility for the Saver’s Credit with your tax advisor.
Frequently Asked Questions
You can enroll in the plan today! As long as you are a regular full-time or
regular part-time civilian employee paid on the U.S. dollar payroll system
and a U.S. citizen, U.S. citizen national, or permanent resident alien of
the U.S. you are immediately eligible to participate in the Plan.
How much can I
save?
You can save between 1% and 99% of you eligible pay up $16,500.
How much can I
save if I am 50+
years old?
If you are age 50 or over by the end of the calendar year, in addition to
the $16,500 you are allowed save an extra $5,500 in the Plan.
When can I change
how much I save?
You may change how much you save at any time. Allow 1-2 payroll
cycles for your change to take effect.
How do I choose my
mail preferences?
Set yourself up for email delivery of your statements and communications
by logging into www.401k.com. For help call Fidelity at 1-800-835-5098.
How do I set up my
beneficiary?
Complete your Beneficiary Designation on eBenefits at
http://www.aafesbenefits.com.
Can I take a loan
from my account?
Yes You may borrow up to 50% from your account for various financial
Yes.
hardship reasons. Before you take a loan, call Fidelity or go online to
learn about loan rules such as the minimum and maximum loan amount,
costs associated with taking a loan, and repayment information.
Can I take a
withdrawal from my
account?
Yes. They are generally permitted in the event of termination of
employment, retirement, disability, or severe financial hardship as
defined by your Plan. Keep in mind that withdrawals are subject to
income taxes and possibly to early withdrawal penalties.
• Online at Fidelity NetBenefits® www.401k.com
How do I access my
account?
• By phone at Fidelity Retirement Benefits Line 1-800-835-5098
When do I get
account
statements?
Available online virtually 24/7 via Fidelity NetBenefits® at www.401k.com
with monthly email reminders
reminders. You may also obtain an account statement
through Fidelity upon request.
Do I get a progress
report?
Once a year you will receive a Retirement Check-Up. Retirement may be
years away, but our interactive myPlan Retirement Quick Check tool will
help you track your progress toward your goal. All in just 10-15 minutes.
Can I take my
account with me
when I switch jobs?
Yes. You are p
permitted to take yyour contributions plus
p
any
y earnings
g with
you. Known as a “roll over”, you can put the money into your new
employer’s plan if they permit a roll over, you could roll the money into
your own personal retirement account known as an Individual Retirement
Account (IRA), or you could withdraw the money and pay taxes and any
applicable early withdrawal penalties.
Fo
or more information, vvisit www.401k.com o
or call 1-800-835-509
98.
When can I enroll in
the Plan?
Frequently
y Asked Questions
Here are answers to questions you may have about the key features and benefits of the AAFES
401(k) Retirement Savings Plan.
2
Frequently Asked Questions Continued…
What if I don’t know
how to invest?
Or
Not sure how to invest? Your plan also offers Fidelity Freedom Funds®
which are designed for investors who want a simple approach to
investing for retirement. You choose the year you want to retire and then
choose the Fidelity Freedom Fund date that targets your timeframe.
*Refer
Refer to the table below.
below
Each fund allocates its mix of assets based on how far it is from that
target date. Those target dates further out are invested more
aggressively than those closer to their date. If you are unsure of when
you will retire, you might want to choose the fund closest to the year you
will turn age 65, and then adjust your investments accordingly when you
are more sure of your expected retirement year
year.
*The chart below illustrates the plan-assigned fund the Plan believes will best fit your diversification
needs should you not select an investment option.
Your Birth Date*
Fund Name
Target Retirement Years
Before 1933
Fidelity Freedom Income Fund®
Retired before 1998
January 1, 1933 - December 31, 1937
Fidelity Freedom 2000 Fund®
1998 - 2002
January 1, 1938 - December 31, 1942
Fidelity Freedom 2005 Fund®
2003 - 2007
January 1, 1943 - December 31, 1947
Fidelity Freedom 2010 Fund®
2008 - 2012
January 1, 1948 - December 31, 1952
Fidelity Freedom 2015 Fund®
2013 - 2017
January 1, 1953 - December 31, 1957
Fidelity Freedom 2020 Fund®
2018 - 2022
January 1, 1958 - December 31, 1962
Fidelity Freedom 2025 Fund®
2023 - 2027
January 1, 1963 - December 31, 1967
Fidelity Freedom 2030 Fund®
2028 - 2032
January 1, 1968 - December 31, 1972
Fidelity Freedom 2035 Fund®
2033 - 2037
January 1, 1973 - December 31, 1977
Fidelity Freedom 2040 Fund®
2038 - 2042
January 1
1, 1978 - December 31
31, 1982
Fidelity Freedom 2045 Fund®
2043 - 2047
January 1, 1983 - and later
Fidelity Freedom 2050 Fund®
2048 and later
Fo
or more information, vvisit www.401k.com o
or call 1-800-835-509
98.
What if I forget to
choose an
investment option
for my contributions
to the Plan?
When you save money in a 401(k), it goes into your account and you can
choose to invest that money in a range of investment options such as
stocks bonds
stocks,
bonds, and money markets
markets. You have an option to select a mix
of investment options that best suites your goals, time horizon, and risk
tolerance.
Frequently
y Asked Questions
What happens to my
money when I save
in the Plan?
Your company has appointed Fidelity to provide additional information on the investment options
available through the plan.
As a Plan participant,
participant you may have the ability to exercise voting
voting, tender
tender, and other similar rights for
mutual funds in which you are invested through the Plan. Materials related to the exercise of these
rights will be sent to you at the time of any proxy meeting, tender offer or similar rights relating to the
particular mutual funds held in your account. Please consult with your plan administrator to determine
your proxy rights.
You may also obtain an account statement through Fidelity upon request.
2
Before investing in any mutual fund, please carefully consider the investment objectives, risks,
charges, and expenses. For this and other information, call or write Fidelity for a free prospectus or,
if available, a summary prospectus. Read it carefully before you invest.
Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain
or lose money.
If Fidelity has your email address, these messages will come from email entitled Your Benefits Center [email protected].
myPlan Retirement Quick Check and Portfolio Review are educational tools.
529 College Savings Plans are state sponsored and some Plans are managed by Fidelity.
This plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of the
Plan are ordinarily relieved of liability for any losses under ERISA that are the direct and necessary result of investment instructions
given by a participant or beneficiary.
This document provides only a summary of the main features of the AAFES 401(k) Retirement Savings Plan, and the Plan document
will govern in the event of any discrepancy.
Pretax contributions are subject to the annual IRS dollar limit.
Target date investments are represented on a separate spectrum because they are generally designed for investors expecting to
retire around the year indicated in each investment's
investment s name
name. The investments are managed to gradually become more conservative
over time. The investment risks of each target date investment change over time as its asset allocation changes. They are subject to
the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to
risks associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time,
including at or after their target dates.
Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. Eastern time, or on weekends
or holidays, will receive the next available closing prices.
Hardship
p distributions are not considered eligible
g
rollover distributions and are not subject
j
to 20% federal withholding.
g They
y are taxed
as ordinary income and may be subject to a penalty when you file your income taxes. Please consult your tax adviser regarding your
own tax situation.
Investor Center products & services are offered beyond your employer sponsored retirement plan.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI
02917.
®2011 FMR Corp.
Corp All rights reserved.
reser ed
570248.2.0
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