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Yes, You Need to Save for Retirement!

It’s not a question of IF you need to save for retirement – the question is HOW MUCH? The Concordia Retirement Savings Plan 403(b) is crucial to building a secure retirement, working together with your Concordia Retirement Plan pension and Social Security benefits. All savings, no matter the amount, can add up over time. We make saving easy – you can start or increase your savings today!

Saving for retirement is only the beginning!

To help build your retirement savings, consider rolling over funds from your previous employers into the CRSP. Stay in control of your hard-earned savings by taking advantage of the CRSP’s low fees, diverse fund line up, and flexibility. Plus, think how much simpler it will be to plan for retirement with your savings in one centralized place! Learn about Rolling Funds into the CRSP.

Advantages of the
CRSP 403(b)


Not sure about investing? One of the great benefits of the CRSP 403(b) is having the ProManage PROgramTM to help with your asset allocation.
To learn more about ProManage and its team of experts, click here.

Investment Options

The 403(b) offers a variety of investment opportunities. All funding options are evaluated and selected based on expected future performance, past performance vs. peers, category ranking, organizational size and stability, management tenure, expenses, and risk profile. Funds were chosen to offer diversification across a broad spectrum of the investment markets.

All mutual funds are offered through Fidelity Investments.

Workers with a 403(b) account can see their account balances and projected benefits by accessing Retirement Connection through your portal

The funds available include (click on each for fund snapshot):
Fixed Interest Account

New York Life Insurance Company Guaranteed Interest Account

Bond Funds

PIMCO Real Return Instl (PRRIX)
Vanguard Total Bond Market Index - Instl (VBTIX)
J.P. Morgan Core Bond Fund R6 (JCBUX
NIF (Dublin) I Loomis Sayles High Income Fund Class N (LSHNX) 

Balanced Funds

Vanguard Balanced Index Fund Institutional (VBAIX)

Large Cap Funds

Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX)
John Hancock Disciplined Value R6 (JDVWX)
T. Rowe Price Instl Large Cap Growth (TRLGX)

Small/Mid Cap Funds

Vanguard Extended Market Idx Instl (VIEIX)
AllianceBernstein Discovery Value Z (ABSZX)
Wells Fargo Small Co Growth R6 (WSCRX)

International Funds

Vanguard Total Intl Stock Index-Instl (VTSNX)
American Funds EuroPacific Growth R6 (RERGX)

* Please carefully consider investment objectives, risks, charges, and expenses before investing. For this and other information about any mutual fund investment, please obtain a prospectus and read it carefully before investing. Investment return and principal will fluctuate with changes in market conditions, such that shares may be worth more or less than their original cost when redeemed. Diversification cannot eliminate the risk of investment loss.