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51                <div class="col-md-5 col-sm-5 white text-left logo-text"><a href="index.html" class="privacy">Florida Retirement System</a></div>
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110                        <a href="https://www.myfrs.com/imageserver/OnlineELE1.htm" target="_blank"><img src="img/green-btn.gif" width="87" height="94" alt="" /></a> <a href="https://www.myfrs.com/imageserver/OnlineELE1.htm" target="_blank" class="grn add-left">ENROLL NOW</a></p>
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114                <h1 class="blue text-center-xs visible-xs">About the Investment Plan</h1>
115                <div class="row">
116                    <div class="col-sm-4 text-center-xs">
117                        <a href="videoplayer/player.html?v=5067320495001" target="_blank"> <img src="img/nicole.jpg" class="img-responsive center" alt="" /></a>
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123                        <h3 class="text-center-xs"><a href="videoplayer/player.html?v=5067320495001" class="blue" target="_blank">Nicole</a></h3>
124                        <p class="plm-text"><a href="videoplayer/player.html?v=5067320495001" target="_blank"> With all the tools and investment options available, the Investment Plan was the way to go for me. <i class="fa fa-caret-right" aria-hidden="true"></i></a></p>
125                    </div>
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136                        <h3 class="text-center-xs"><a href="videoplayer/player.html?v=5067291271001" class="blue" target="_blank">Nathan</a></h3>
137                        <p class="plm-text"><a href="videoplayer/player.html?v=5067291271001" target="_blank">I chose the Investment Plan because it gives me the flexibility I want without requiring me to be a stock market guru. <i class="fa fa-caret-right" aria-hidden="true"></i></a></p>
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144                        <a href="videoplayer/player.html?v=5067320509001" target="_blank"><img src="img/corey.jpg" class="img-responsive center" alt="" /></a>
145                    </div>
146                    <div class="col-sm-8">
147                        <h3 class="text-center-xs"><a href="videoplayer/player.html?v=5067320509001" class="blue" target="_blank">Corey</a></h3>
148                        <p class="plm-text"> <a href="videoplayer/player.html?v=5067320509001" target="_blank">I plan on retiring within the next 6 or 7 years. The Investment Plan made sense for me. <i class="fa fa-caret-right" aria-hidden="true"></i></a></p>
149                    </div>
150                </div>
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155                <h1 class="blue text-center-xs">About the Investment Plan</h1>
156                <p>The Investment Plan is similar to a 401(k) plan. It is designed primarily for employees who want greater control over their retirement plan and who want flexibility in how their benefit is paid at retirement. </p>
157
158                <p>The Investment Plan is known as a “defined contribution” plan. That’s because contributions to the plan — yours and your employer’s — are defined by law. The benefit you ultimately receive from the plan will depend on how much is contributed
159                    to your account, the performance of your investments over time, and the impact of account fees and expenses. When you’re ready to withdraw your money, you will have a variety of payment options to choose from. Options to continue payments
160                    to a beneficiary after your death may also be available. You can designate any person, organization, trust, or your estate as your beneficiary. </p>
161
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168                        <div class="panel-heading bkg-blue" role="tab" id="headingOne">
169                            <h4 class="panel-title">
170                                <a data-toggle="collapse" data-parent="#accordion" href="#collapseOne" aria-expanded="true" aria-controls="collapseOne">
171        Contributions <i class="fa fa-caret-down" aria-hidden="true"></i>
172        </a>
173                            </h4>
174                        </div>
175                        <div id="collapseOne" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingOne">
176                            <p class="accordion-content">Based on Florida law, you contribute 3% of your gross salary, beginning with your first paycheck, to your Investment Plan account. You cannot change the amount you contribute. Your employer also contributes a fixed percentage of
177                                your gross salary to your account. The percentage is based on your membership class as required by law.</p>
178
179                        </div>
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185        Your Benefit <i class="fa fa-caret-down" aria-hidden="true"></i>
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190                            <p class="accordion-content">The benefit you receive from the Investment Plan is based on the value of your account. The value of your account will change over time based on contributions made by you and your employer, the performance of the investment
191                                options you choose, and the impact of account fees and expenses. </p>
192
193                        </div>
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199        Vesting (Qualifying for Your Benefit) <i class="fa fa-caret-down" aria-hidden="true"></i>
200        </a>
201                            </h4>
202                        </div>
203                        <div id="collapseThree" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingThree">
204                            <p class="accordion-content"><span class="bld">Once you complete one year of service, you own all contributions and earnings in your Investment Plan account (
204any previous Pension Plan service transferred into the Investment Plan is subject to 6 or 8 year vesting). If you leave FRS employment prior to meeting the vesting requirements, you own only your employee contributions and any earnings on those contributions.</span>                                <!--The amounts you contribute to your account are always yours. -->This makes the Investment Plan a good choice for employees who need a more portable benefit or who expect to retire before they would qualify for a benefit under
205                                the Pension Plan. </p>
206
207                        </div>
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209                    <div class="panel panel-default">
210                        <div class="panel-heading bkg-blue" role="tab" id="headingFour">
211                            <h4 class="panel-title">
212                                <a class="collapsed" data-toggle="collapse" data-parent="#accordion" href="#collapseFour" aria-expanded="false" aria-controls="collapseFour">
213          Investment Options <i class="fa fa-caret-down" aria-hidden="true"></i>
214        </a>
215                            </h4>
216                        </div>
217                        <div id="collapseFour" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingFour">
218                            <p class="accordion-content"> As the Investment Plan’s name implies, the money in your account is invested in stocks, bonds, and other types of financial instruments. With a variety of investment options available, the plan gives you as much or as little
219                                control over your investments as you like. </p>
220
221                            <p class="accordion-content"><span class="bld">Retirement Date Funds.</span> If you are not comfortable choosing your own investments, Retirement Date Funds are an easy “one and done” option. Each Retirement Date Fund includes a mix of investments based
222                                on the amount of time left before you retire. That mix gradually changes automatically as your retirement gets nearer, adjusting its focus from investment growth to account preservation.</p>
223
224                            <p class="accordion-content"><span class="bld">Fund Lineup.</span> If you would like to choose your own investments, the plan’s fund lineup lets you create a unique portfolio from a variety of prescreened high-quality funds. </p>
225
226                            <p class="accordion-content"><span class="bld">Self-Directed Brokerage Account.</span> If you want greater control and flexibility, the self-directed brokerage account gives you access to thousands of additional investments and is geared toward experienced
227                                investors.
228                            </p>
229
230                        </div>
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234                            <h4 class="panel-title">
235                                <a class="collapsed" data-toggle="collapse" data-parent="#accordion" href="#collapseFive" aria-expanded="false" aria-controls="collapseFive">
236          Benefit Payment Options <i class="fa fa-caret-down" aria-hidden="true"></i>
237        </a>
238                            </h4>
239                        </div>
240                        <div id="collapseFive" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingFive">
241                            <p class="accordion-content">When the time comes to receive your benefit, the Investment Plan offers a lot of flexibility. You can choose a lump-sum payment, a rollover to another qualified plan, a customized payment schedule, lifetime income, or any combination
242                                of these.</p>
243                            </p>
244                        </div>
245                    </div>
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252                    <p><a href="https://www.myfrs.com/pdf/forms/plancomparison.pdf" target="_blank" class="blck">Side-by-Side Plan Comparison Chart <i class="fa fa-caret-right" aria-hidden="true"></i></a></p>
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264                        <a href="https://www.myfrs.com/imageserver/OnlineELE1.htm" target="_blank"><img src="img/green-btn.gif" width="87" height="94" alt="" /></a> <a href="https://www.myfrs.com/imageserver/OnlineELE1.htm" target="_blank" class="grn add-left">ENROLL NOW</a></p>
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284                        <p><span class="bld">Your plan choice deadline is 4:00 p.m. ET on the last business day of the eighth month following your month of hire.</span> If you do not submit a plan choice by your deadline, the Investment Plan will be considered your 1<sup>st</sup> Election by default. Exception: If you are in the Special Risk Class, the Pension Plan will be considered your 1<sup>st</sup> Election by default.</p>
285
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292                        <p class="add-top"><span class="orange">The result of the interactive video is based on the answers you provide and is general in nature.</span> Choosing a retirement plan is your responsibility.</p>
293                        <p>You are encouraged to run your own <span class="bld">personalized examples</span> by using the online <a href="choice-service.html"><u>Choice Service</u></a> on MyFRS.com or by calling the MyFRS Financial Guidance Line toll-free at 1-866-446-9377, Option 2 (TRS 711) and having an EY financial planner run the numbers for you.</p>
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