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What Is Changing
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Here are some of the exciting improvements we have planned for you. Even if you’re already enrolled in the SIP, this is the time to take another look at the benefits it offers—and help ensure that your retirement savings are on track.
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Expanded Service Center Hours
Access to the Ameren Resource Center at 877.7my.Ameren or 877.769.2637 virtually 24 hours a day 7 days a week. Customer Service Associates are available 7:30 a.m. to 11:00 p.m. CST Monday through Friday (excluding New York Stock Exchange holidays).
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Enhanced Security
You have the option to change your userid to be something other than your Social Security Number.
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Enhanced Investment Lineup
Two new investment options (Small/Mid Cap Growth Equity Fund and Target Retirement Date Funds) and name changes to existing options to better describe the investment objectives. See Impact to My Investment Options.
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Consolidated Fidelity Accounts
If you have other personal accounts with Fidelity, you will be able to view all of your account balances simultaneously and access your accounts under your Fidelity log in.
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True-up Company Match
Receive a year-end match if you contribute the IRS maximum ($15,500 in 2008) before the end of the year and, as a result, do not receive the full company match.
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Annual Increase Program
If you elect to participate in the annual increase program, it can help you keep pace with your investment goals by automatically increasing your contribution percentage each year.
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Auto Rebalance Service
Annually rebalance your account to stay consistent with the investment strategy you’ve chosen. You simply identify an initial investment combination, adjust your account to that mix, and let the service do the rest.
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Roth 401(k) Contributions
A Roth 401(k) option lets you contribute to the SIP on an after-tax basis—and make potentially tax-free withdrawals in retirement—as long as the withdrawal is a qualified one. A qualified withdrawal is one that can be taken five tax years after the year of the first Roth contribution and after the participant has attained age 59 1/2, has become disabled, or has died.
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Installment Payments
Former employees can now easily set up regular installment payments of a certain amount or percentage.
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Loan Repayments
If you have an outstanding loan when you leave Ameren, you can set up coupon payments instead of having to repay the loan all at once.
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Online Resources
In addition to access to transactions and account information, there are a wealth of online resources, including:
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Details on all your investment options, including historical performance
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Online account statements covering any time period you specify, beginning Jan. 2, 2008 or later—featuring your personal rate of return
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A wide range of planning tools to tailor your own retirement plan, no matter where you are in the process:
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Estimate your financial needs in retirement
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Determine and track your investment strategy
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See how changes in your plan can affect your savings
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myPlan®, an interactive Web experience, simplifies the retirement planning process and provides you the opportunity to create a plan to help reach your goals
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Financial Engines® continues to be available as a planning tool
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Web Workshops and Online Tutorials
You also have access to a full range of online educational topics, covering everything from investing basics to retirement income planning.
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Some sessions are presented live by Fidelity education consultants. Others are self-guided modules you take at your own pace.
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These convenient workshops and tutorials can help make plan participation a more rewarding experience and you a more educated investor.
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