EMPLOYEE BENEFITS

Your Retirement Plan and Stock Market Volatility

Information for MIT 401(k) Plan participants

We are aware that the volatility of the financial markets can prompt questions and concern among MIT 401(k) Plan participants. There are resources and people to advise you during this time:

• Click on the information below from Fidelity to learn more about the current situation.
  • Quarterly Watch List (PDF of funds that have underperformed as of March 31, 2009)

  • Market Volatility Resource Center

  • A Statement from Fidelity Investments (PDF)

  • 7 Principles of Investing in a Volatile Market (PDF)

  • More Information from Fidelity (PDF)

  • Q & A Regarding Fidelity's Taxable Money Market Fund Holdings

• Go to the Fidelity website at fidelity.com. Look at the middle column for information, specifically, "Recent Market Events." (You don't have to log into your account to access the info).

• Talk to a Fidelity Representative at 877-MIT-SAVE (648-7283).

• Schedule a one-on-one consultation with MIT's Fidelity representative Paul Gunning by calling Fidelity's reservation line at 800-642-7131. Please indicate you work for MIT and the representative will book a time for you. Please be aware that due to demand you will not be able to get an appointment immediately. We appreciate your patience.

Information from MIT's Annuity Providers

TIAA-CREF

• A Message from TIAA-CREF CEO Roger Ferguson
• Statement on the Recent Performance on the TIAA Real Estate Account
• The Strength and Stability of TIAA Traditional
• TIAA-CREF's Participation in U.S. Treasury Money Market Insurance Program
• TIAA-CREF's Performance During Recent Market Turbulence
• TIAA Maintains Highest Possible Ratings
• Statement on Market Volatility and Recent Events

• A Statement to Annuitants from The Hartford Life Insurance Company
• December 5, 2008 Update from The Hartford Life Insurance Company (PDF)

• A Statement from Met Life