How The Fund Works

How the Fund Works for You

The YMCA Retirement Fund offers two plans to help YMCA employees build their retirement savings: the 401(a) Retirement Plan and the 403(b) Savings Plan. The 401(a) Retirement Plan is based on age and eligibility, and contributions are determined by your Y. The 403(b) Savings Plan allows you the opportunity to start saving on day one of your employment and to increase or change your contributions at any time. Your contributions are invested by the Fund for the long-term.

The Fund invests your money from the Plan(s) across a diversified portfolio, designed to limit risk and ensure long-term stability. This investment approach supports the preservation of your account balance(s), interest credits paid to you, and monthly income payments upon retirement. Participant account balances have never gone down in value and retirement payments have never been missed, even in times of market volatility.

YMCA employees save with the Fund because it is a safe, secure path to a lifetime retirement income. When you choose to retire, you can convert your account balance(s) in the Retirement Plan and/or Savings Plan to a protected stream of monthly income payments for the rest of your life. This unique benefit is exclusive to YMCA employees as a generous reward for your service. We invite you to learn more about how the Fund works for you:

WHO WE ARE

WHO WE ARE

We provide retirement benefits for over 700 YMCAs across the country. For more than 100 years, we have kept our commitment to safety, security, and protected lifetime retirement income.

403(b) SAVINGS PLAN

403(b) SAVINGS PLAN

The 403(b) Savings Plan is a multiple employer retirement income account plan and is also a church plan. It is available to all employees upon hire at participating YMCAs, regardless of age or hours worked. You can contribute to the Tax-Deferred Account, the after-tax Roth Account, or both via automatic payroll deductions. You can start, stop, or change your contributions at anytime.

401(a) RETIREMENT PLAN

401(a) RETIREMENT PLAN

The 401(a) Retirement Plan is a multiple employer, defined contribution, money purchase pension plan and is also a church plan. Once you have met the age and service eligibility requirements, your Y will automatically enroll you in the Retirement Plan and will determine contributions based on your salary.

Start Your Lifetime Retirement Income Benefit

Start Your Lifetime Retirement Income Benefit

At 55, you can start to receive your monthly retirement income benefit with the monies saved in either the 401(a) Retirement Plan or 403(b) Savings Plan, while leaving your money in the other Plan to continue to earn interest.

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