IU Tax Deferred Account TDA Retirement Plan The IU Tax Deferred Account TDA plan is a section 403 b defined contribution retirement plan. This is a voluntary employee-funded plan; therefore, the participant makes all plan contributions. The information on this page is only a summary. Review the PDF for a detailed description of the terms and conditions of the Plan. An employee may enroll in this plan at any time. To enroll in the plan and begin making salary deferrals: Step 1 Complete the PDF and return to IU Human Resources. Note: If you already have an online account through TIAA or Fidelity for an IU retirement plan i. Step 3 Make your through your online account. Salary deferrals and catch-up contributions will begin as soon as administratively feasible following receipt of a fully completed Salary Deferral Agreement. Investment allocations and beneficiary designations must be made separately for each plan you are enrolled in. If you do not make any investment allocations, you will be placed into a default investment mix that is age appropriate and contains a mixture of stocks and bonds. Eligibility A participant may elect to defer from one to 100 percent of his or her compensation to the plan each calendar year up to the maximum allowed by law not to exceed the. Remember, contributing even small amounts to a supplemental retirement plan can add up to a larger retirement savings over time. View more information on these. Catch-up Contributions This is a participant directed plan. This means that you are responsible for directing the investment of your plan account. Indiana University has approved of the following investment companies under the plan: Fidelity Investments TIAA Your investment selections should reflect your savings goals, timeline until retirement, and tolerance for risk. Each plan offers a wide range of investment choices, including: 1 stock funds; 2 bond funds; 3 real estate funds; 4 guaranteed investment contracts; and 5 money market funds. For help with maximizing your retirement savings and other financial goals, for a one-on-one, on-site investment counseling session. Hardship distributions are not allowed to be made to a participant from the plan. A participant may receive a loan from his or her plan account by contacting the investment company. Loans are subject to both federal tax code and investment company rules and regulations. For more information on Distributions and Withdrawals, visit the page. All qualified applicants will receive consideration for employment without regard to age, ethnicity, color, race, religion, sex, sexual orientation, gender identity or expression, genetic information, marital status, national origin, disability status or protected veteran status. Indiana University does not discriminate on the basis of sex in its educational programs and activities, including employment and admission, as required by Title IX. Questions or complaints regarding Title IX may be referred to the U. Department of Education Office for Civil Rights or the university Title IX Coordinator. The Annual Security Reports, containing policy statements and crime statistics for Indiana University campuses, are available through Public Safety and the IU Police Department web sites at. A paper copy will be provided upon request from Public Safety at.