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 Retirement Plan and the Savings Plan. The Retirement Plan is based on age and eligibility, and contributions are determined by your Y. The 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 career of 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 750 YMCAs across the country. In our 100-year history, we have kept our commitment to safety, security, and protected lifetime retirement income.

SAVINGS PLAN

SAVINGS PLAN

The Savings Plan is a 403(b) income account plan, available to all employees upon hire at participating YMCAs, regardless of age or hours worked. Your contributions to a 403(b) Smart Account are taken from your pre-tax pay through automatic payroll deductions.

RETIREMENT PLAN

RETIREMENT PLAN

The Retirement Plan is a 401(a) defined contribution account balance plan. Once you have met the age and service eligibility requirements, your Y will 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 Retirement Plan or Savings Plan, while leaving your money in the other Plan to continue to earn interest.

RESOURCES FOR Y EMPLOYEES

Learning Center

Access Various Resources And Educational Tools

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About Us

Learn More About Us And Our Mission

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Our Participants' Stories

The Fund has allowed me to save money on my taxes and comfortably think about my future.
Bill Kanas Keep reading
The Fund allows me to see the big picture for years to come.
Gailmarie Sprague Keep reading