It only takes a few minutes to sign up. You'll need your:
  • Agency or department code
  • Employer's name or employer's Plan ID
  • Social Security number
steps and columns icon
There are IRS limits to the standard and catch-up deferrals you can make to your plan.

How much should I save from each check?

It comes down to "as much as you can." What you can afford.

What should you invest in?

Stocks, mutual funds, bonds & more – there are so many options. So much to understand.

How do you want to handle making investment decisions?

Man2-outline

Option 1: Do it myself

Make some of the decisions yourself after you get some help from My Investment Planner. It shows you some options that might fit your investing style and tolerance for risk.

icon-wrench-and-screwdriver-outline-white

Option 2: Help me do it

Select a Target Date Fund that aligns with the year closest to when you think you will start taking distributions.

See our fund prospectuses for information about available fund options.

Enrolling & investing videos

QuestionMark-blue

The whats and whys of enrolling


Watch
laptop and phone icon
Already enrolled in a plan but don't yet have an online account?

Market risk

Investing involves market risk, including the possible loss of the money you invest.

View fund performance

Investment selection options

Help me do it

Select an investment option that aligns with your investing personality (conservative, moderate, aggressive) or the year closest to when you hope to retire. Consider asset allocation funds or target date funds.

Target date funds are a type of asset allocation fund that is rebalanced over time to become more conservative as retirement approaches.

Target date funds invest in a wide variety of underlying funds to help reduce investment risk. So, in addition to the expenses of the target date funds, you pay a proportionate share of the expenses of the underlying funds. Target date funds are designed for people who plan to withdraw funds during or near a specific year. Like other funds, target date funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement.

Do it myself

Build your own portfolio by understanding your risk tolerance and your plan’s investment options & performance.

Go to My Investment Planner