When should you start saving for retirement? The answer is simple—now! The sooner you begin saving, the more time your money has to grow. Start Saving Right Away with the Fund’s 403(b) Smart Account While you work toward eligibility in the Retirement Plan, you can still save for retirement by contributing to the Savings Plan. This plan does not have the eligibility requirements of the Retirement Plan and is available to all employees of participating YMCAs. Save As Much As You can Participate in the Savings plan by opening a 403(b) Smart Account. This account allows you to save money through payroll deduction. You can also roll over money from eligible employer plans or IRAs to a Rollover Account. There are some great reasons to save now: Account Balances Have Never Gone Down: Your savings at the Fund are protected from direct market volatility. Earn Interest Over Time: Account balances at the Fund earn interest daily. Convert Your Retirement Savings into a Paycheck for Life: When you retire, you have the option to convert your account balance into generous monthly income payments for life. Save More From Each Paycheck Savings Per Paycheck* Growth Over 10 Years Growth Over 20 Years Growth Over 30 Years $10 $2,799 $6,577 $11,676 $25 $6,997 $16,441 $29,190 $50 $13,994 $32,883 $58,380 $100 $27,987 $65,766 $116,761 * Based on 24 Paychecks per year. 3% annualized interest credits, compounded daily.