Retirement Savings & Pension

Savings/401(k) Plan

Through the Nokia Savings/401(k) Plan, we strive to offer diverse, competitive and low-cost investment funds as well as services that will help Plan participants achieve their retirement goals.

Take Action

To learn more about enrolling in and/or managing your Plan account, log on to the Your Benefits Resources (YBR) website.

Once you sign in, you can view your current investments and use the different tools and resources to make the most of your retirement savings.

Some of the Resources You’ll Find on the YBR Website

• Fund information
• Retirement advice tools
• Online beneficiary designation tool
• Online statements and transaction history

Plan Information

• Investment Fund Change Notification – Effective April 3, 2018
• Annual Fee and Expense Disclosure – Effective April 3, 2018
• Qualified Default Investment Alternatives (QDIA) Notice – Effective April 3, 2018
• Glossary of Investment Terms
• Fund Fact Sheets
• Quarterly Fund Performance Review
• Transfer Restrictions and Short-Term Trading Fees
• Nokia Savings/401(k) Plan Summary Plan Description (SPD) – Effective January 1, 2018
• Nokia Savings/401(k) Plan Highlights

Savings Plan Questions?

Please visit the YBR website or call the Nokia Benefits Resource Center at 1-888-232-4111 (select the “Retirement and Investments” option). Representatives are available from 9:00 a.m. to 5:00 p.m., Eastern Time (ET), Monday through Friday.

Pension Plan

If you are eligible for a pension benefit, you can learn more about it through the YBR website. You may also contact the Nokia Benefits Resource Center at 1-888-232-4111 (1-212-444-0994 if calling from outside of the United States, Puerto Rico or Canada). Representatives are available from 9:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Specific plan details are also available by reviewing your applicable Pension Plan SPD.

What You Can Do on the YBR Website

If you are eligible for a benefit:

• View your pension information;
• Project your pension income;
• Start your pension;
• Make beneficiary designations and changes (if applicable); and
• Request a new User ID and password or change your existing User ID and password.