Why Transfer Restrictions Protect Your Team
Retirement investing is a long-term strategy. To protect that strategy, Principal limits how often participants can trade or transfer between certain investment options during a calendar year.
Why does this matter to you? Two reasons:
- It keeps costs low. Limiting frequent trades reduces expenses for everyone in the plan.
- It encourages wise habits. Sticking with a long-term plan rather than reacting to every market swing lays a strong foundation for reaching retirement goals.
Once a participant reaches the allowed number of transfers out of an option, they must wait for the holding period to elapse before transferring back in. Contributions into that option are never affected. It’s a simple guardrail that helps your people invest with discipline and confidence.
View Current Transfer Restrictions
Investment
# of Transfers Allowed
Time Period
Threshold
DFA U.S. Targeted Value Instl Fund
1
30-day
MFS International Intrinsic Value R3 Fund
2
calendar qtr
$15,000
JP Morgan Large Cap Growth R6 Fund
2
60-day
Fidelity® Emerging Mkts Stock Index
1
60-day
Vanguard Explorer Admiral Fund
1
30-day
Fidelity® Extended Mkt Index
1
60-day
Fidelity® 500 Index
1
60-day
$1,000
Fidelity® Real Estate Index
1
60-day
Fidelity® US Bond Index
1
60-day
Fidelity® Total Intl Index
1
60-day
Fidelity® Short Term Bond Index
1
60-day
$1,000