5.2 Investment Considerations 1. You will be able to view daily valuations of your DC funds and RSA funds and make daily changes to your investment allocations for these funds. 2. The investment direction can cover your current DC and/or RSA balances and all future contributions or just future contributions for these funds. 3. If you are newly enrolled in TRF Hybrid your DC contributions will be invested only in a Target Date Fund until you select other options. 4. If you return to a TRF Hybrid-covered position after having a break in employment, generally, you will have the same investment elections as when you left even if you withdrew your DC funds. 5.3 Making Changes You can make investment changes to your DC and/or RSA funds by accessing your account online. You can change your investment option on your entire account or a portion of it (present balance and future contributions) into any of the INPRS investment funds in at least 1% increments. Or you can change how you invest future contributions only. Questions to possibly consider: 1. What is my risk tolerance? This means how comfortable you are with the account value rising and falling with the markets. 2. What is my age? If you are younger, you may be able to take on more market risk, depending upon your individual circumstances. If you are closer to retirement, you may want to invest in more stable value investments that provide regular income. 3. What is my portfolio diversification? This means spreading your money among different types of investments to reduce overall risk. There could be other factors to consider. Consult your financial advisor. If you need assistance in making changes, contact INPRS. See section 1.7 of this handbook. 5.4 Suspension of Membership When you leave covered employment, you can leave your DC and/or RSA funds invested with INPRS and continue to invest in any of the available options. However, if you have been inactive for 5 years, then your account will be suspended. Inactive means no employer has reported any wages and contributions for a 5- year period. Your suspended account will remain invested per your investment elections. Additionally, your account will continue to be charged an account maintenance fee. NOTE: The implementation of the 5-year suspension began on July 1, 2016, for all DC funds inactive for 5 years or more on that date going forward. If your account has less than $1,000 invested, the funds may be disbursed to you in a lump sum. Rollover Funds for Inactive Member As of July 1, 2018, if you are an inactive member, you may roll over pre-tax funds from a qualifying IRA or retirement plan into the TRF Hybrid plan and continue to direct your RSA fund elections as outlined in section 5.1 of this handbook. Complete the form Transfer Funds from an Outside Account into TRF RSA from the INPRS Website Forms page and submit it to INPRS for processing. Teachers' Retirement Fund Hybrid Plan Member Page 25 of 47 Handbook Effective: 07/01/2024