The YMCA Retirement Fund

The YMCA Retirement Fund was incorporated in New York in 1921. As a 501(c)(3) not-for-profit corporation, the Fund is organized and operated for the purpose of providing retirement benefits for employees of participating YMCAs throughout the United States.

The Fund offers two plans to help YMCA employees build their retirement savings: the Retirement Plan and the Savings Plan. The Retirement Plan, is a 401(a) defined contribution church pension plan. You must meet the age and service requirements to enroll in the Retirement Plan. The Fund also sponsors the Tax-Deferred Savings Plan, which is a church retirement income account plan as defined in Section 403(b)(9) of the Internal Revenue Code, the Savings Plan is available to all employees of participating Ys from their first day of employment. ​In our 100-year history, we have kept our commitment to safety, security, and protected lifetime retirement income.  Your contributions are invested by the Fund for the long-term. Participant account balances have never gone down in value and monthly retirement payments have never been missed, even in times of market volatility.

View our video, Who We Are, What We Offer below to learn more about the Fund.

  • Governed by a dedicated Board of Trustees with vast experience in finance, investments, law, and the YMCA
  • Regulated by the Department of Labor and the IRS
  • Audited by KPMG LLP and the New York State Department of Financial Services
  • Independent consultants include Cambridge Associates and Willis Towers Watson actuarial consultants
  • Invests in a diversified portfolio in various asset classes
  • $8.6B portfolio managed by the Fund’s highly qualified investment staff
  • On-site education sessions, webinars, and videos
  • Educational sessions for Y leadership
  • No-cost individual retirement counseling
  • Robust website with a variety of planning tools
  • Awarded the Top 100 Contact Center by Benchmark Portal

To learn more about the YMCA Retirement Fund, click here.