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Enroll in Your 401 Retirement Savings Plan

Your employer's 401(a) or 401(k) retirement plan helps you build retirement security.

  • You save and invest for your retirement with tax advantages. Pre-tax contributions reduce your income taxes each year and allow you to defer taxes until you withdraw. (If you have access to a 401(k) plan, Roth contributions may also be available - while you do not receive a tax benefit for your contributions, your earnings may be tax-free.)
  • It's handled automatically through your payroll.

Get Started

Contact your employer's benefit office or your ICMA-RC representative for an enrollment packet. Or, complete an enrollment form online, print it out, sign it, and return it to your employer.

Depending on the specific of your employer’s plan, there are up to three important decisions to make:

  1. How Much to Save: There are several different types of contributions that can be made to your 401(a) or 401(k) plan. You will need to check with your employer to see which employee contributions are permitted.
  2. How to Invest: Review the Investment Options sheet included with the enrollment packet. You can change your investments at any time.
  3. Who Your Beneficiaries Will Be: In the event of your death, your entire account balance is generally available to the beneficiary(ies) you designate.

Looking to simplify your investment decisions?

You may want to consider a target-date fund or target-risk fund, if these options are available to your plan.

Does your savings and investment plan need a little more attention? Our Guided Pathways® advisory services provide specific guidance, advice, or, if available in your plan, ongoing management of your ICMA-RC retirement accounts.

We're Here to Help!

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