The YMCA Retirement Fund is the sole proprietor for retirement benefits for YMCA employees. We offer two plans to help YMCA employees build their retirement savings and reach their retirement goals: the Retirement Plan and the Savings Plan.
These benefits are exclusive to YMCA employees and are a generous reward for your career of service. We invite you to learn more about us in the video below:
We offer two plans to help YMCA employees build their retirement savings. Upon retirement, you have the option to convert account balance(s) into a generous, lifetime stream of monthly income payments, similar to a pension or annuity.
Whatever your age, length of YMCA service, hours worked, or eligibility in the Retirement Plan, you can roll over qualified savings into a Rollover Account in the Savings Plan.
The Savings Plan, or the Fund's Smart Account, is a 403(b) income account plan, available to all employees of participating YMCAs at the start of their employment, regardless of age or hours worked. Your contributions to the Savings Plan are taken from your pre-tax pay through automatic payroll deductions and you can increase these contributions anytime during your career with the Y.
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.
Learn About The Importance Of Saving Early.
Take Advantage Of Tax-deferred Savings.
The Fund has allowed me to save money on my taxes and comfortably think about my future.
The Fund allows me to see the big picture for years to come.
We are your partners in saving and planning for retirement. Don't hesitate to contact us with any questions you may have about saving with the Fund.