Addition of new investment options

The City of Baltimore recently assessed the investment options in your Retirement Savings and Deferred Compensation Plans and identified opportunities to enhance our offerings for greater value. We are excited to announce the following improvements to the Non-Hybrid, Hybrid and Deferred Compensation Plans for you to consider as a part of your retirement planning portfolio.

Your Plan is offering the following new investment options:

Nationwide Indexed Principal ProtectionSM

Protect and grow your money with a powerful new investment option that can help provide confidence through unstable market conditions by offering:

  • Principal investment protection from market declines
  • Potential for growth based on market increases

Learn more about Nationwide Indexed Principal ProtectionSM

NCIT American Funds Lifetime Income Builder Target Date Series

A series of target date funds (each structured as a collective investment fund), designed to help optimize growth potential, and when the time comes, generate guaranteed income that will last a lifetime.

Both the investment options were added to your Plans on May 12, 2023.

Learn more about NCIT American Funds Lifetime Income Builder Target Date Series

Next Steps

No direct action is required. If you choose not to act, your current investment elections and allocations will remain the same.

We're here to help

If you have any questions or need additional information, contact our solutions center at 855-826-5407. Our specialists are available Monday through Friday, 8 a.m. to 11 p.m. and Saturday, 9 a.m. to 6 p.m. Eastern time.

For personal assistance with any step of your Plan participation, please contact your local Retirement Specialists, Heather Gayle, by calling 443-707-0129 or emailing or Robert Gill, by calling 443-675-2903 or emailing Lastly, you can contact our internal Retirement Specialists by calling 888-401-5272 or visiting They're available Monday through Friday, 8 a.m. to 8 p.m. Eastern time.

Nationwide Indexed Principal Protection is a group fixed indexed annuity issued by Nationwide Life Insurance Company and held in the general account. Guarantees are backed by the claims-paying ability of the issuing insurance company.
Target Date Funds invest in a wide variety of underlying funds to help reduce investment risk. So, in addition to the expenses of the Target Date Funds, you pay a proportionate share of the expenses of the underlying funds. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments over time. Like other funds, Target Date Funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement.
Retirement Specialists are Registered Representatives of Nationwide Investment Services. Corporation, Member FINRA.