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457 Plan Frequently Asked Questions



1. Where can I order my PIN?
To order your PIN number go to our login page and look for the ORDER PIN button. Click on that button and it will guide you in the process.

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2. I have received my PIN, but now can I change it?
Yes, you have the ability to change your PIN on our Web Site. You can change the originally assigned PIN to a four-digit number of your choosing. The change is effective immediately and no written confirmation will be mailed. Go to the "My Account" section of our Web Site and then click "Change Account". Click on PIN and follow the instructions.

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3. Once I insert the first number of my SSN or PIN, the browser automatically inserts the remainder of the number.
The automatic insertion of your social security and PIN is due to an enabled setting on Microsoft's Internet Explorer version 5.0. It is called "PIN Caching" To disable this feature, use the following instructions: On the browser tool bar, click Tools/Internet Options/Content. Under Personal information, click Auto Complete, then under Use Auto Complete for, uncheck User names and passwords on forms. Under Clear Auto complete history, click the Clear Passwords button then OK. Your social security number and PIN will no longer fill in automatically.

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4. How do I make contribution amount changes?
Select "Change Account" from the "My Account" section of the Web site. Then select "Change Contribution Amount".

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5. Where can I find ticker symbols?
This information is found under "Investment Options" in the "My Account" section of the Web site.

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6. How do I make allocation changes?
To make allocation changes on the Web Site go to the "Change Account" section of the Web Site, found under "My Account" Then choose "Allocations". Once you select which allocation changes you want there are several things to be aware of when changing allocations even though you may only want to transfer a portion of your funds (EX: the 25% that may be currently allocated to fund A to another fund B), you must be sure the change amount total equals 100%. After inputting the percentages, Tab to the Total box. To submit press continue. Review and verify your changes then Complete Transaction. You will receive a confirmation number. You should keep it for your records.

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7. When will my fund transfer go through?
Transfer requests received after market close on business days, which is 2:00 MST, or anytime on non-business days, will be initiated at the close of the next business day. The actual effective date of your transaction may vary depending on the investment option selected.

Access to the Web site may be limited or unavailable during periods of peak demand, market volatility, systems upgrades/maintenance, or other reasons.

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8. Where can I receive investment information?
In the "Investment Options" section of our Web Site there is an abundance of information regarding your investment options. Below in an example of what you will see:

  • Fund Values
    Lets you view all of the available fund values from any two previous business days within the past 18 months.
  • Fund Values Graph
    Allows you to chart all the available fund values from any two previous business days within the past 18 months.
  • Variable Returns
    Lists all of the available investment option returns for: 1 year, 3 years, 5 years, 10 years or since inception.
  • Fund Overviews
    Provides the investment objective, holdings, and a breakdown of the fund's assets by industry, the risk level and the fund manager for each of your available investment options.
  • Fixed Returns
    Lists the most recent guaranteed rates.
  • Ticker Symbols
    A five-letter code assigned to an individual fund. Ticker Symbols provide a dependable and convenient way to track a fund's performance in financial publications.
  • Online Prospectus
    Lets you view/save regulatory documents associated with your plan including fund prospectus, annual report and semi-annual report. If you do not currently have Adobe Acrobat Reader installed on your system you can obtain it through our Web Site under "Investment Options". Simply click on Adobe© Acrobat© Reader.

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9. What are my distribution options?
Please consult with your local Great-West Representative for further information on distribution options and forms.

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10. What is Rebalancer, and how do I use it? *
Rebalancer automatically redistributes your account balance to selected investment options at the frequency period you choose. Rebalancing will begin one frequency period from the time your transaction is submitted. Some investment options may not be provided due to plan restrictions.

Basically if you had 40% in fund A, 20% in fund B and 40% in fund C, over the course of time and through market fluctuations the funds may gain or lose value. Thus, for example, if fund A gained more than 40% of the value of your entire portfolio the Rebalancer would reapportion assets so that only 40% would be in fund A, 20% in fund B and 40% in fund C, the percentages you had originally designated.

Follow these steps to use the Rebalancer:

  1. Select "my account"
  2. "Change Account"
  3. "Rebalancer"
  4. Select a frequency period
  5. Select the funds you want to rebalance to. Must equal 100%
  6. Click continue
  7. Verify the information your inserted is correct
  8. Click on complete this transaction
  9. Click submit, and wait for a confirmation #.

* Rebalancing does not assure a profit and does not protect against loss in declining markets.

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11. What is Dollar Cost Averaging, and how do I use it? *
Dollar cost averaging reduces exposure to stock market fluctuations and risk by investing equal, fixed amounts of money in particular investments on a regular schedule. This means you end up buying more shares when prices are low and fewer shares when prices are high. In the long run, this slow and steady investment pace could lower your average cost - turning the normal ups and downs of the stock market in your favor.

Follow these steps to successfully use the Dollar Cost Average:

  1. Select "my account"
  2. "Change Account"
  3. "Dollar Cost Average"
  4. Select a Frequency period
  5. Choose the amount and funds of your choice
  6. Choose the percentage to go in select funds. Has to equal 100%
  7. Click continue
  8. Verify the information you inserted is correct
  9. Click on complete this transaction
  10. Click submit, and wait for a confirmation #.

Dollar cost averaging does not assure a profit and does not protect against loss in declining markets. Investors should also consider their financial ability to continue a dollar cost averaging plan during periods of low and high price levels.

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12. How do I change my beneficiary?
You can designate a person(s) or estate/will/trust as a beneficiary designation. The 457 beneficiary designation form can be obtained in the Forms section of this Web site. You can now make beneficiary changes for your 457 Plan Account on the website. Login, choose Change Account, then Beneficiary.

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13. When I log on and navigate through the site, I am constantly asked to re-enter my SSN and PIN.
A "cookie" issue commonly causes this problem. A "cookie" or a "session variable" is a bit of information that a Web server, hosting a Web Site such as Colorado457.com stores on a Web client such as your PC. Cookies are of two types - temporary and permanent. Temporary cookies are deleted every time you shut your browser down, or after a certain amount of inactivity (ten minutes at Colorado457.com). Permanent cookies are retained on your PC's hard drive, typically taking less space than it takes to store two lines of English text.

A permanent cookie is used to store non-private information that helps Web servers customize the way you view that Web Site. Information such as where you left on the Web Site the last time you visited, the functions you use most often etc. are stored so that return visits are more familiar for you.

The Colorado457.com Web site only uses temporary cookies for personal account information. We use these to store information about your transactions at our Web Site so you do not have to authenticate your identity with your SSN# and PIN# every time you want to do something at our Web Site. As with all temporary cookies this information - which is already encrypted so it would not make any sense if anybody looked at it - is deleted every time you shut your browser down, or every five minutes there is no activity, whichever comes first.

Without using cookies it becomes impossible to offer the range and type of transactions, calculations, documents education and advice we have on our Web Site. Cookies are passive bits of information, analogous to a sticky note on your desk. They can never do any damage to your PC or erase any records etc. To keep from having to re-enter your SSN and PIN, we advise checking the "enable all cookies" option in your browser. This will also allow you to in order to take advantage of the customization and personalization features at our Web Site and others.

To do this in Netscape 4.x:

  1. On your top menu bar click on Edit, Preferences Advanced.
  2. Click on the "Accept all cookies" radio button.
  3. If you want to be informed each time a cookie is set (not recommended) you can click on the check box that says "Warn me..."

In Internet Explorer 4.x:

  1. On your top menu bar click on View, Internet options... Advanced.
  2. Scroll down to the Cookies section.
  3. Click on the "Always accept cookies" radio-button.
  4. If you want to be informed each time a cookie is set (not recommended) you can click on the "Prompt before..." radio-button.

In Internet Explorer 5.0:

  1. Tools
  2. Internet Options
  3. Security
  4. Custom Level
  5. Cookies then click enable

We are highly aware of our participants' concerns about security and we are constantly monitoring our Web Site's security infrastructure and improving on it where possible. Using cookies does not affect our very strong security architecture in any way.

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14. I cannot view documents such as fund overviews, variable returns, and plan highlights.
The above files are on our Web Site in PDF format. PDF stands for portable data format. PDF files are visually rich documents that are not allowed to be changed. In order to view these documents you need a free program called Adobe Acrobat Reader. If you do not currently have Adobe© Acrobat© Reader installed on your system you can obtain one through the www.adobe.com site. Click Here to download Adobe© Acrobat© Reader

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15. Is it necessary to log out?
Yes, logging out is necessary to avoid unauthorized use of your account, but that is not the only measure we have in place to protect your privacy at Colorado457.com. Any time your browser is shut down all account information is cleared away. We also have a time-out feature where ten minutes after the last account activity all account information is cleared and you are forced to log in again.

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17. Why am I seeing two scroll bars? / Why is the bottom part of my page blank?
Because this Web site uses a combination of two different Java technologies, on certain account pages, an Interactive Frame (I-frame) is used to merge the menus with the account page. For I-frames to function properly, JavaScript must be enabled. Currently, JavaScript is not enabled on your browser. To do so, please see below for instruction on enabling JavaScript.

Another way to remedy this situation is to change your screen resolution. This site was designed to be viewed using a screen resolution of 1024 x 768. If your resolution is set to another size and you do not have JavaScript enabled, you may experience either multiple scroll bars on some account pages or instances where the content page does not stretch the entire length of the screen. If you wish to modify your screen resolution,

  1. Go to your desktop
  2. Right click & select "Properties"
  3. Select the "Settings" tab
  4. In the lower right hand corner or the box, either move the slider to the left or right to increase or decrease your current resolution
  5. Click "OK" twice, and then "Yes"

Enabling JavaScript

Internet Explorer

  1. In the toolbar of your browser, select "Tools"
  2. Select "Internet Options"
  3. Select the "Security" tab
  4. Click the Custom level button
  5. Scroll through the menu options, toward the bottom you will see "Scripting" Menu options. Under the "Active Scripting" choice, click Enable. Under the Java applets choice, click Enable.
  6. Click OK

Netscape Navigation 7.0 or higher

  1. In the toolbar of your browser, select "Edit"
  2. Select "Preferences"
  3. Expand the "Advanced" section by clicking the arrow
  4. Click "Scripts & Plug ins"
  5. Check the "Enable JavaScript for Navigator" option
  6. Click OK

18. How do I change my address?
If you are a current employee of the State of Colorado, please contact your Human Resources department to update your address.
If you have terminated employment, please call 800-838-0457 to speak with a Customer Service Representative.

19. Where can I find forms?
Forms are located in the left hand menu in the "My Account" section, below "Investment Options".

20. How do I roll money into the Plan?
Access the forms section and download the "Incoming Transfer/Direct Rollover" form.

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