Set up your payroll deductions on the Duke HR website at https://hr.duke.edu/benefits/retirement/enroll-or-make-changes

Explore contribution limits and learn how much you can contribute to your 403(b) Plan. Visit NetBenefits^® at http://netbenefits.com/duke and click on the Contribution Limits tab.

These interactive calculators can help you decide how much to save.

• Take Home Pay Calculator


• Contribution Calculator

Visit https://nb.fidelity.com/public/nb/atwork/home/library and click the Tools and Calculators tab.

Designate a beneficiary: Your beneficiary or beneficiaries will inherit your account in the event of your death. You should consider identifying a beneficiary when you enroll in your Plan, and updating the information if you experience a life-changing event such as a marriage, divorce, birth of a child, or death in the family. You can elect your beneficiary though Fidelity NetBenefits^® once you log on to your account.

Schedule a one-on-one consultation: Meet with a Fidelity Representative in-person for a consultation to discuss and plan for your future. Sign up at http://fidelity.com/reserve.

When you are "vested" in your savings, it effectively means the money is yours to keep. You are always 100% vested in all contributions you make to your plan, as well as any earnings on them. Visit https://hr.duke.edu/vesting for employer vesting information.

For all other plan questions visit your Duke HR website

You are generally allowed to withdraw money from your plan when you leave your employer, retire or become permanently disabled. Also you may be eligible for a distribution if you have a financial hardship as defined by your plan. Withdrawals may be subject to income taxes and, if they occur prior to you becoming age 59½, a 10% early withdrawal tax penalty.

For more information, please visit your visit your Duke HR website or call the Fidelity Retirement Services Center at 1-800-343-0860.

Online, on the phone, or in person, you have access to your account the way you want it. Log in to NetBenefits^® virtually 24/7 or call Fidelity at 800-343-0860 to speak with a representative or use the automated voice response system.

TIAA: Call 800-842-2252 or log in to your account at http://tiaa.org.duke.

Fidelity financial professionals provide complimentary one-on-one consultations for participants in your plan. Register today at http://fidelity.com/reserve. You can also contact Fidelity for a statement of your account by calling 1-800-343-0860 or visiting NetBenefits^®.