Manage Your Investments
From the Portal:
Review your investment performance, learn about our funds, review investment strategies, and rebalance your investments from the MyRPB For Participants dashboard by clicking on “Manage Investments.”
If you’re already in NetBenefits, click “Investments” to manage your investments.
RPB’s plan includes three tiers of funds, which offer participants varying levels of involvement and effort in their retirement investment decisions:
Tier 1: Objective-Based Funds
Tier 2: Self-Directed Funds
Tier 3: Socially Responsible Funds
You can click into any of the investments in your plan lineup from the Investment Performance & Research page.
Fact sheets are produced by Morningstar and are available by clicking on the fund name on the NetBenefits website or going to RPB.org/factsheets.
RPB Appreciation & Income Fund
RPB Appr & Income
RPB Capital Appreciation Fund
RPB Cap Appreciation
RPB Income Focused Fund
RPB Income Focused
RPB Capital Preservation Fund
RPB Cap Preservation
RPB Reform Jewish Values Stock Fund
Reform Jewish Values
Vanguard Developed Markets Index Fund Institutional Shares
Vang Dev Mkt Idx IS
Vanguard Emerging Markets Stock Index Fund Institutional Shares
Van Em Mkt St Idx IS
Vanguard Institutional Index Fund Institutional Plus Shares
Vang Inst Index Plus
Vanguard Real Estate Index Fund Institutional Shares
Van Real Est Idx IS
Vanguard Short-Term Bond Index Fund Institutional Shares
Vang St Bond Idx IS
Vanguard Short-Term Inflation-Protected Securities Index Fund Institutional Shares
Van St Inf Ps Idx IS
Vanguard Small-Cap Index Fund Institutional Shares
Vang Sm Cap Indx Inst
Vanguard Total Bond Market Index Fund Institutional Shares
Vang Tot Bd Mkt Inst
Change Your Investments
In NetBenefits, choose “Change Investments” from the Quick Links menu to adjust your investments.
You can change investment elections for your future contributions, or your current account balance. Changing how your future contributions are invested won’t affect how the current balance is invested; changing your current investments won’t change how your future contributions are invested.
All changes are effective as of the market close following your request, which is generally 4 p.m. Eastern time, Monday through Friday.
How to Change Your Current Account Balance Investments
This will reallocate a segment of your account balance into the investment elections you choose.
- Select “Change Investments” from the Quick Links menu. Under Current Investments, click on “Exchange One Investment.”
- You’ll exchange one investment for another investment based on a percentage, dollar amount, or amount of shares.
- You can make many single exchanges of investments on the same day if you want to change more than one investment but not rebalance your entire account. However, you may want to read about excessive trading limits.
Fidelity can help you to determine which investments may be right for you. Call a Fidelity Retirement Planner at 1-800-642-7131. Representatives can also make changes for you through the Fidelity Retirement Service Center at 1-800-343-0860. Representatives are available Monday through Friday from 8:30 a.m. to Midnight, Eastern, excluding most N.Y. Stock Exchange holidays.
How to Change Your Future Account Balance Investments
This will reallocate future contributions into the investment elections you choose.
- Select “Change Investments” from the Quick Links menu. Under Future Investments, click on “Change Investment Elections.”
- You’ll allocate new contributions to your account based on a percentage.
What is rebalancing?
Investment gains or losses may cause your holdings to shift from your desired asset allocation. To keep your portfolio aligned with your objectives, you should adjust it periodically to maintain your desired allocation. This is known as “rebalancing.”
How to Rebalance
To rebalance your investments, click “Change Investments” from the Quick Links menu. Under “Current Investments,” click on “Exchange Multiple Investments.”
There are two ways to set up your account rebalancing instructions:
- Rebalance Notifications. If you sign up for rebalancing alerts, you’ll be notified when your allocation varies by 5, 10, or 15% from your original elections. You can decide whether or not to rebalance. If you choose not to, you’ll get another notice in three months.
- Automatic Rebalancing. You can set your account to be automatically rebalanced on a quarterly, semi-annual or annual basis, if the current asset allocation varies from your original allocation. For most investors, RPB recommends that you set up auto-rebalancing on your account to occur on a quarterly basis.
When auto-rebalancing is on, you’ll automatically maintain your strategic investment allocation. When auto-rebalancing is off, depending on market activity, your account may become more or less aggressively invested than your initial elections.
Auto-rebalancing is not affected by single investment exchanges. However, if you perform a new account rebalance, future automatic rebalance transactions occur at your chosen time period following the date of the most recent rebalance.
For example: A plan participant enters an account rebalance on September 1, 2020 and schedules automatic rebalancing to occur every 12 months starting September 1, 2021. If the participant performs a new rebalance on December 15, 2020, the automatic rebalance cycle changes to December 15 each year (it would no longer be September 1 of every year).
Rebalancing your account doesn’t affect how future contributions will be invested. To change how future contributions will be invested, click “Change Investments” from the Quick Links menu, or the “Investments” tab.
When you access NetBenefits from MyRPB for Participants, you’ll see several different options.
1 Your Account Balance - This bar contains your account balance, display preferences, quick links to account details and transactions
2 Quick Links to planning tools and preferences
3 Retirement Goals and Milestones - This module visualizes retirement savings modules based on personalized information. You can also model changes to your retirement savings by adjusting the compensation and total contribution rate.
4 Projected Retirement Income - This module estimates your hypothetical retirement income and gap in income-to-living-expenses based on your current compensation and contribution rate.
5 Personalized Financial Priorities - This includes a Financial Wellness Checkup
6 Educational Resources and Information
Your Account Balance
The portal has summary account information and links to NetBenefits to get more detailed account information. You’ll use NetBenefits to see your retirement account details.
Navigation from the Portal Homepage:
Your 403(b) and Rabbi Trust (if applicable) account balance(s) can be seen on the top right of the MyRPB For Participants homepage. You can click the boxes, or the “View Your 403(b)/Rabbi Trust Balances” tile to see your rate of return, investments, and year-to-date performance in NetBenefits.
Navigation from NetBenefits:
If you’re already in NetBenefits, click the “Summary” tab, then the “Balances” link below it.)
You can use the tabs at the top of the page to view your transaction history and account statements. This screen displays your contribution sources, rate of return, and the breakdown of your investment’s asset classes, holdings, and contribution sources. Your account activity summary from the beginning of the calendar year is also shown.
For participants who were enrolled in the RPB plan prior to April 1, 2020, historical account information in NetBenefits, including your rate of return, is as of April 1, 2020, when your assets were transferred to Fidelity.