401(k) Retirement Savings Plan
Administered by Fidelity
The Otsuka 401(k) savings plan offers you the opportunity to accumulate savings for your future. The plan provides a generous company match and access to Fidelity’s financial tools, resources, and personalized assistance to help you make informed savings and investment decisions for your future.
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Otsuka’s Matching Contributions
Otsuka matches your contributions dollar for dollar, up to 10% of your eligible base salary, per pay period. Employer matching contributions will vest in 25% increments per year, beginning after one year of service and with full vesting occurring after four years.
Financial Tools & Resources
Fidelity Financial Resources
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Fidelity offers an array of services to support your financial goals, including online tools, on-demand workshops, and advice from financial experts.
Online Financial Tools
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Fidelity’s NetBenefits service is more than just a retirement planning resource. It’s a financial planning support network that can help you create an emergency savings fund, manage your spending, improve your investing know-how, and grow your savings. NetBenefits has the resources to help you improve your financial wellness and feel confident about your future.
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Seminars & Workshops
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Fidelity offers a variety of financial education seminars each year. Topics include investment diversification, understanding information security, planning for retirement, and much more.
BrokerageLink
BrokerageLink® provides an opportunity to invest in a broad range of investment options beyond those offered directly through the 401(k) Savings Plan.
The integrated brokerage services combines the convenience of your Otsuka 401(k) account, with the additional flexibility of a brokerage account, giving you expanded investment choices to manage your retirement contributions.
You can select from thousands of mutual funds and other investment options — beyond those offered directly through your Otsuka 401(k) Plan. With this new investment option, you may allocate up to a maximum of 50% of your total account value in the BrokerageLink account, which is accessible from NetBenefits®.
Fidelity Personalized Planning & Advice (PPA)
Trained associates can help support your financial well-being, from the simple to the complex, including savings habits, investing, income planning, and decisions at retirement.
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Optimizing your finances for retirement is no small feat. But no matter where you are on your retirement savings journey or the complexity of your situation, Fidelity has a range of resources and strategies to give you the confidence you need to manage your retirement savings.
Fidelity® PPA curates a team of experienced investment professionals to help you set and reach your individual retirement goals. Together, you’ll create a plan, put that plan into action, and track your progress against your retirement goals. Changes to your goals can be customized and adjusted over time as well*.
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*PPA is an optional benefit which carries an employee paid advisory fee between .17% and .63% of your managed portfolio. This fee is automatically deducted on a quarterly basis.
