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 MissionSquare Retirement 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:
- 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.
- How to Invest: Review the Investment Options sheet included with the enrollment packet. You can change your investments at any time.
- 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 MissionSquare Retirement accounts.
We're Here to Help!
- Learn from our educational resources and the MissionSquare Retirement representative for your plan.
- To learn more about 401(a) plans, visit www.missionsq.org/401. To learn more about 401(k) plans, visit www.missionsq.org/401k.
- To confirm the specific rules that apply to your plan, ask your employer or contact us.
- Once you've enrolled, manage your account online.