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401(a) Retirement Plan
403(b) Savings Plan
Lifetime Income in Retirement
General Information and the 401(a) Retirement Plan
What are the YMCA Retirement Fund Plans?
How are contributions invested?
Who is eligible for the 401(a) Retirement Plan?
What are the service and age eligibility requirements for the 401(a) Retirement Plan?
How much does my YMCA contribute to my account?
If I meet the service and age requirements, but I work part-time in the future, will I still be enrolled in the Retirement Plan?
What does “Vesting” mean?
Who decides how to invest the money in all the Retirement Fund accounts?
Who sets the interest rate credited to my account(s)?
The 403(b) Savings Plan
What is the 403(b) Savings Plan?
How much money can I contribute to the 403(b) Savings Plan?
Are only full-time employees eligible for the 403(b) Plan?
How are contributions made? Can I change my contributions?
Can I send a check to the YMCA Retirement Fund to put money in my 403(b)?
What is a hardship withdrawal?
Can I take a loan or a hardship withdrawal from my Savings Plan?
What are the differences between the Tax-Deferred Account and the Roth Account?
When can I take a distribution from my Roth Account or Roth Rollover Accounts?
Can I roll money in from past Roth plans?
When can I convert my Savings Plan into an annuity?
Do I have to annuitize my 403(b) Savings Plan when I retire?
Want to enroll or change your contributions?
Download the 403(b) Savings Plan Enrollment Form
Lifetime Income in Retirement
How much money do I need to save for retirement?
What is an Annuity, or at the Fund, Lifetime Income?
When can I start an annuity?
What are the different annuity options to choose from?
What are the factors that affect the size of the monthly payment from the Y Retirement Fund?
How do the Interest Credit Rate and Annuity Conversion Rate impact my lifetime income?
What’s an annuity payout rate?
What are all the ways in which my account balance can grow over the years?