Symantec Corporation Section 401(k) Plan
Symantec Corporation Section 401(k) Plan - Schwab Retirement ...
Symantec Corporation Section 401(k) Plan - Schwab Retirement ...
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<strong>Symantec</strong><br />
<strong>Corporation</strong><br />
<strong>Section</strong> <strong>401</strong>(k) <strong>Plan</strong><br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Table of Contents<br />
Welcome<br />
Review of <strong>Plan</strong> Highlights<br />
Explore the <strong>Plan</strong> Features<br />
Choose Your Investments<br />
• Professionally Managed Options<br />
• <strong>Plan</strong>-Selected Funds<br />
Manage Your Account<br />
Navigating schwabplan.com<br />
Take Action!<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
<strong>Plan</strong> Highlights<br />
Eligibility<br />
<br />
<br />
<br />
You can begin deferring to the <strong>Plan</strong> the first date<br />
administratively feasible after employment.<br />
No minimum age requirement<br />
No minimum service requirement<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
<strong>Plan</strong> Highlights<br />
Contributions<br />
<br />
<br />
Before-tax = 1 to 50% of eligible compensation<br />
Variable pay (bonus & commissions) = 1 to 50% of eligible<br />
compensation<br />
IRS max for 2006 = $15,000<br />
<br />
<br />
Catch-up contributions = 50 years or older<br />
• $6,000 in 2006<br />
• After 2006, indexed in $500 increments<br />
Changes allowed anytime<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
<strong>Plan</strong> Highlights<br />
Matching Contributions<br />
$.50 on each $1 up to 6% of compensation (max $6,000)<br />
<br />
Allocated semi-monthly<br />
Vesting<br />
<br />
<br />
<br />
Ownership of your account balance<br />
100% vested in your pre-tax, catch-up, and rollover<br />
100% vested after four years of service for employer match<br />
Year<br />
Vesting<br />
1<br />
25%<br />
2<br />
50%<br />
3<br />
75%<br />
4<br />
100%<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
<strong>Plan</strong> Highlights<br />
Loans<br />
<br />
<br />
Loans are allowed from elective deferrals only<br />
Only 1 outstanding loan at any given time<br />
Interest rate = Prime + 1%<br />
Initial set-up fee = $35<br />
<br />
Residential loan = 15 years<br />
The hidden costs of loans:<br />
<br />
<br />
<br />
Unrealized potential earnings over longer time periods<br />
Double taxation<br />
Pay yourself interest instead of enjoying your earnings<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
<strong>Plan</strong> Features<br />
<br />
<br />
<br />
<br />
What are the features available?<br />
You have the ability to name your beneficiary online<br />
You have the ability to request investment advice online as of<br />
4/1/06<br />
You have the option to receive your quarterly statements in an<br />
interactive HTML format<br />
You have the option to elect Auto-Rebalance<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Fund Mapping Review<br />
Fidelity Investment Menu<br />
Fidelity Retirement Money Market<br />
PIMCO Low Duration Admin<br />
Fidelity Puritan<br />
Fidelity Equity Income<br />
MSIFT Value Advisor<br />
Fidelity Growth & Income<br />
Fidelity Magellan<br />
Fidelity Blue Chip<br />
Fidelity Contrafund<br />
Allianz CCM Mid Cap Adm<br />
Fidelity Low Priced Stock<br />
Fidelity Europe<br />
Templeton Growth A<br />
To<br />
Schwab Investment Menu<br />
Schwab Value Advantage Inst Money Mkt<br />
PIMCO Low Duration Instl<br />
Moderate Portfolio<br />
Hotchkis and Wiley Large Cap Value I<br />
Vanguard Institutional Index<br />
American Funds Growth Fund of America R5<br />
Munder Mid-Cap Core Growth Y<br />
Artisan Small Cap Value<br />
Neuberger Berman International Inst I<br />
Investors should consider carefully information contained in the prospectus including investment objectives, risks,<br />
charges, and expenses. You can request a prospectus by calling the Retirement <strong>Plan</strong> Hotline at 1-800-724-7526. You<br />
may also request a prospectus at www.schwabplan.com. Please read the prospectus carefully before investing.<br />
Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be<br />
Worth more or less than their original cost.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Fund Mapping Review<br />
<strong>Symantec</strong> Prior Investment Menu<br />
Schwab Retirement Advantage Money Market<br />
MetWest Total Return Bond M<br />
Vanguard LifeStrategy Moderate Growth<br />
TCW Galileo Large Cap Value N<br />
Schwab S&P 500 Select<br />
TCW Galileo Select Equities N<br />
Janus Mid-Cap Value Investor<br />
Artisan Mid-Cap Inv<br />
Buffalo Small Cap<br />
Artisan Small Cap Value<br />
Columbia International Value Inv A<br />
Artisan International Inv A<br />
To<br />
<strong>Symantec</strong> Current Investment Menu<br />
Schwab Value Advantage Inst Money Mkt<br />
MetWest Total Return Bond I<br />
Moderate Portfolio<br />
Hotchkis and Wiley Large Cap Value I<br />
Vanguard Institutional Index<br />
American Funds Growth Fund of America R5<br />
Artisan Mid Cap Value<br />
Munder Mid-Cap Core Growth Y<br />
Trendstar Small Cap<br />
Artisan Small Cap Value<br />
Dodge & Cox International Stock<br />
Neuberger Berman International Inst I<br />
Investors should consider carefully information contained in the prospectus including investment objectives, risks,<br />
charges, and expenses. You can request a prospectus by calling the Retirement <strong>Plan</strong> Hotline at 1-800-724-7526. You<br />
may also request a prospectus at www.schwabplan.com. Please read the prospectus carefully before investing.<br />
Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be<br />
Worth more or less than their original cost.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
New Funds in the <strong>Plan</strong><br />
1) Schwab Value Advantage Inst Money Mkt<br />
2) PIMCO Low Duration Instl<br />
3) MetWest Total Return Bond I<br />
4) Hotchkis and Wiley Large Cap Value I<br />
5) Vanguard Institutional Index<br />
6) American Funds Growth Fund of America R5<br />
7) Artisan Mid Cap Value<br />
8) Munder Mid-Cap Core Growth Y<br />
9) Trendstar Small Cap<br />
10) Dodge & Cox International Stock<br />
11) Neuberger Berman International Inst I<br />
12) Conservative Portfolio<br />
13) Moderate Portfolio<br />
14) Aggressive Portfolio<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Choose Your Investments<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Professionally Managed Options<br />
Lifecycle Pre-Mixed Investment<br />
Portfolios<br />
1) Select a fund that closely matches your<br />
risk tolerance<br />
2) Conservative, Moderate, & Aggressive<br />
3) Each fund diversified across multiple<br />
asset classes<br />
4) Investor seeking one investment vehicle<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
<strong>Plan</strong>-Selected Funds<br />
1) Actively manage your asset<br />
allocation<br />
2) Prefer to select investments from<br />
a list of pre-screened funds<br />
3) Goal to provide flexibility<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Fund Profile Summary<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Fund Profile Summary<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Your Taxable<br />
Money Market Fund<br />
Schwab Value<br />
Advantage Inst<br />
Money Market<br />
The Schwab Stable Value Fund is a collective trust fund distributed by The Charles Schwab Trust Company ("CSTC"), a California state-chartered trust<br />
company. CSTC acts as trustee and manager. Interests in the Fund are sold through both CSTC and Charles Schwab & Co., Inc., (member SIPC) a registered<br />
broker-dealer. It is not a mutual fund and its units are not registered under the Securities Act of 1933, as amended, or applicable securities laws of any state or<br />
other jurisdiction. The Fund is not registered under the Investment Company Act of 1940, as amended, or other applicable law, and unit holders are not entitled<br />
to the protections of the 1940 Act. The Fund is not insured by The Charles Schwab Trust Company, any of its affiliates, the FDIC or any other person. As<br />
defined in the Fund's Declaration of Trust and Participation Agreement documents, the Fund is available for investment by eligible qualified retirement plan<br />
trusts only. The unit value of the Fund will fluctuate and investors may lose money.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Your Bond Fund<br />
PIMCO Low Duration<br />
Instl<br />
MetWest Total Return<br />
Bond I<br />
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses.<br />
You can request a prospectus by calling the Retirement <strong>Plan</strong> Hotline at (800)-SCH-PLAN (800-724-7526). You may also request a prospectus at<br />
www.schwabplan.com. Please read the prospectus carefully before investing.<br />
Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their<br />
original cost.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Growth vs. Value<br />
Growth<br />
Stocks that are experiencing rapid growth in price, earnings,<br />
sales or return on equity<br />
Value<br />
Mostly stocks that managers think are currently<br />
undervalued in price compared to similar stocks or the<br />
overall market<br />
Blend<br />
Mix of growth and value stocks or may contain stocks that<br />
exhibit both style characteristics<br />
Source: Schwab Center for Investment Research ®<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Types of Stocks<br />
Large cap stocks<br />
$7.4 billion and above<br />
Mid cap stocks<br />
$1.2 to $7.4 billion<br />
Small cap stocks<br />
Less than $1.2 billion<br />
International stocks<br />
Companies based outside the U.S.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Your Large Cap<br />
Stock Funds<br />
Hotchkis and Wiley<br />
Large Cap Value I<br />
Vanguard Institutional<br />
Index<br />
American Funds Growth<br />
Fund of America R5<br />
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses.<br />
You can request a prospectus by calling the Retirement <strong>Plan</strong> Hotline at (800)-SCH-PLAN (800-724-7526). You may also request a prospectus at<br />
www.schwabplan.com. Please read the prospectus carefully before investing.<br />
Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their<br />
original cost.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Your Mid and Small Cap<br />
Stock Funds<br />
Artisan Mid Cap Value<br />
Munder Mid-Cap Core<br />
Growth Y<br />
Artisan Small Cap Value<br />
Trendstar Small Cap<br />
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses.<br />
You can request a prospectus by calling the Retirement <strong>Plan</strong> Hotline at (800)-SCH-PLAN (800-724-7526). You may also request a prospectus at<br />
www.schwabplan.com. Please read the prospectus carefully before investing.<br />
Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their<br />
original cost.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Your International<br />
Stock Funds<br />
Dodge & Cox<br />
International Stock<br />
Neuberger Berman<br />
International Inst I<br />
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses.<br />
You can request a prospectus by calling the Retirement <strong>Plan</strong> Hotline at (800)-SCH-PLAN (800-724-7526). You may also request a prospectus<br />
at www.schwabplan.com. Please read the prospectus carefully before investing.<br />
Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their<br />
original cost.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Professionally Managed<br />
Options<br />
Conservative Portfolio<br />
Moderate Portfolio<br />
Aggressive Portfolio<br />
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses.<br />
You can request a prospectus by calling the Retirement <strong>Plan</strong> Hotline at (800)-SCH-PLAN (800-724-7526). You may also request a prospectus<br />
at www.schwabplan.com. Please read the prospectus carefully before investing.<br />
Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their<br />
original cost.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
<strong>Symantec</strong> Stock Options<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Schwab Complete Account<br />
Access<br />
<br />
Account aggregation for<br />
streamlined employee access<br />
• Secure, aggregate<br />
relationship summary –<br />
Stock Options, ESPP,<br />
<strong>401</strong>k, brokerage & IRA<br />
• Employees personalize<br />
which accounts display<br />
Employees can personalize views<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Schwab Equity Award Center<br />
<br />
<br />
<br />
<br />
Customized for <strong>Symantec</strong> and by<br />
participant<br />
Participant can access stock<br />
options and/or restricted stock<br />
grants in one place<br />
Simple, online account activation<br />
Modeling calculators<br />
• Estimate net proceeds<br />
• Income objective<br />
• Future value<br />
• Calculate cost<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Navigating schwabplan.com<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Manage Your Account<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Statements<br />
Guaranteed to be in the mail within 15 calendar days<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
1-800-724-7526<br />
Available day or night*<br />
Access to participant services<br />
7am - 11pm EST, weekdays<br />
Detailed account balance information<br />
Investment performance<br />
Order “on-demand” education articles via fax<br />
Change deferral percentage<br />
Control investment direction for existing balances and future<br />
contributions<br />
Statements on demand<br />
Request mutual fund prospectuses<br />
*Access to electronic services may be limited or unavailable during periods of peak demand, market volatility, system upgrades or for other<br />
reasons.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)<br />
Take Action!
Take Action!<br />
1<br />
Select your retirement solution<br />
2<br />
Redirect existing investments and future<br />
contributions<br />
3 Complete your beneficiary information<br />
online<br />
4 Consolidate your retirement accounts<br />
Charles Schwab Corporate Services (SCS) provides services to retirement plan sponsors and participants through Schwab Retirement <strong>Plan</strong> Services, Inc,<br />
The Charles Schwab Trust Company, and Charles Schwab & Co., Inc. SCS also provides equity compensation plan services and other financial and<br />
retirement services to corporations and executives. Schwab Retirement <strong>Plan</strong> Services, Inc. provides recordkeeping and related services with respect to<br />
retirement plans. CSTC, a California state-chartered trust company, provides trust and custody services to retirement plan sponsors. Charles Schwab &<br />
Co., Inc. (Member SIPC) is a registered broker/dealer, offering other brokerage and custody services to its customers. These entities are affiliates of each<br />
other and are wholly owned subsidiaries of The Charles Schwab <strong>Corporation</strong>.<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
Complete the Survey<br />
<strong>Symantec</strong> <strong>Corporation</strong><br />
<strong>Section</strong> <strong>401</strong>(k) <strong>Plan</strong><br />
0 1 1 6 2 0 06 0 3 9<br />
X<br />
X<br />
X<br />
X<br />
X<br />
© 2005 Schwab Retirement <strong>Plan</strong> Services, Inc. All rights reserved. (0905-8916)
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