Your Employer's Retirement Plan

Your employer's defined contribution retirement plan is an important retirement savings vehicle. Find out how to take advantage of this savings opportunity.

Are you still just thinking about participating?

Think about these advantages

Provides you with automatic payroll deductions to make it easier to save
Reduces your overall taxable income through pre-tax contributions, which means current tax savings for you

Determine how much you can contribute

Determine your retirement savings goal and see how your contribution amount impacts your savings at retirement
See how different contribution amounts may impact your paycheck

Are you ready to enroll?

If your employer has its retirement plan through The Principal, check with your employer to see if you are eligible to enroll. If you are eligible and they offer online enrollment, you may be able to enroll online today and start saving for your retirement.

Set up a username and password online if it's your first time logging in. If you need help, see the instructions (PDF: 45 KB).

If you're not eligible to enroll yet, consider opening an IRA so you can start saving for retirement.

Are you already participating?

Consider increasing your contributions

Did you know that even a small increase in your contributions may make a big difference?

The following charts and calculators show you how much of an impact a small change may make:

Get online access to retirement account information

When you login to The Principal Retirement Service Center^® to view retirement account information online, you can also:

Make changes to your investment strategy and rebalance retirement investment options
Research investment options and performance (including charts and graphs)
View your personal rate of return
Look up account activity details
Access retirement planning and investment-related articles
Use calculators to help you plan for retirement

Set up a username and password online if it's your first time logging in. If you need help, see the instructions (PDF: 45 KB).

Do you have multiple retirement accounts from old employers?

Combine your retirement savings for single account simplicity

If you have multiple retirement accounts, it may make sense for you to move money from your old retirement plan into your new company's retirement plan. Or, roll over your retirement accounts into an IRA.

Determine if your old accounts are eligible. Recent tax law changes make it much easier to move assets between retirement plans. Get help determining if your accounts are eligible.
Combine your accounts

If your new company's retirement plan is with the Principal Financial Group^® call us at 1.800.547.7754 to get help combining your accounts.
If your old company's retirement plan is with another company and your new employer’s plan is not with The Principal, learn how a Principal Rollover Choice^SM IRA can keep your money tax-deferred, while providing a wide range of investment options.