Wednesday, May 27, 2020

Investing in Your Future

The road to retirement is paved with preparation, and the MERS Defined Contribution Plan helps you do just that — by taking an active role in planning for the future.

MERS Defined Contribution Plan provides you with an account to which contributions are made and assets are invested. When you retire, your benefits are based on the total amount of money in your account. As a qualified plan, you are not taxed on your employer contributions or earnings until you withdraw your assets.

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How It Works

MERS Defined Contribution Handbook (pdf)

Your MERS Defined Contribution Plan benefit is made up of any contributions from you and your employer, and investment interest earned. When you enroll in the Defined Contribution Plan, you select from the streamlined MERS Investment Menu. For moreinvestment information, please read Understanding the MERS Investment Menu(pdf).

Contributions are deposited into your individual account, and invested under your direction. At retirement, your benefits are based on the total amount of money in your account. This amount is determined by:

  • your contributions
  • any employer contributions
  • market performance, minus fees

You must be vested at termination to withdraw your employer’s contributions.

Retirement Eligibility

You can begin receiving retirement benefits when you reach the age and service requirements under your plan provisions. You can also leave your account invested with MERS under your direction. A few reasons to keep your account active include:

  • Access to the MERS Investment Menu
  • Low administrative fees
  • Excellent customer service.

Click here to learn about the Defined Contribution Plan retirement process.


View the MERS Investment Menu

Click here to see the streamlined MERS DC Investment Menu.

Rollover Funds

MERS Rollover Funds

Did you know, you may be able to transfer or rollover funds into your MERS account? Click here to learn more.

Find Forms

Want to change your investments, or your named beneficiary? Click here to find your form.

Start Planning

Do you know how much you'll need in retirement? Click here to estimate your future costs.

Leaving Your Employer?

Find out when you'll be able to access your account. Here's how to start.

Ready to retire?

Learn how to start the retirement process, click here.
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The information contained in this Web site is being made available as a public service. The information is not intended to constitute legal or investment advice, or to replace official versions of that information. Benefit Estimates or Service Credit Purchase estimates requested through this Web site are not official descriptions of any benefits, and do not represent a promise by MERS to provide any benefit(s) to any person(s). No one can detrimentally rely upon the information provided in, or requested through this Web site. MERS reserves the right to correct any errors, and presents this information without warranties, express or implied, regarding the information?s accuracy, timeliness or completeness. If you believe the information is inaccurate, out-of-date, or incomplete, or if you have problems accessing or reading the information, please call MERS at 800.767.MERS (6377).