View important information about your retirement plan, learn how to make changes to your plan account, and get access to helpful resources.
Retirement plan participants
Welcome to your Case Western Reserve University retirement plan!
Plan information for the following plans:
- Case Western Reserve University Faculty and Key Administrative Employees' Retirement Plan (Plan A)
- Case Western Reserve University Employees' Retirement Plan (Plan C)
- Meet your retirement plan
- Forms
- Why save for retirement?
- Plan highlights
- Investment options
- Roll over money to Vanguard
- Helpful resources
- Additional tools and products
- Contact us
When can I join the plan?
You are eligible to participate in the plan after 1 year of service.
To enroll, please contact your human resources department to select a payroll deduction amount and confirm your plan (A or C). Then enroll online at vanguard.com/enroll. Or you can enroll by phone by calling Vanguard at 800-523-1188. You can use your plan number to get started:
- Faculty and Key Administrative Employees' Retirement Plan (Plan A) (090272)
- Employees' Retirement Plan (Plan C) (099016)
When you enroll, you will be asked the percentage of your pay you want to contribute and how you want to invest your money among the investment choices available in the plan.
If you enroll but do not make an investment election, your contributions will be invested in the Vanguard Target Retirement Fund with the target date closest to the year in which you'll reach age 65.
Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Fund has a fixed investment allocation and is designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
Before you invest, get the details. Consider the fund’s objective, risks, charges, and expenses. The fund’s prospectus (or summary prospectus, if available) will tell you these important facts and more. So read it carefully. Call Vanguard at 800-523-1188 to get one. Or you can find one at vanguard.com.
Why save for retirement?
The sooner you join your plan and start making contributions, the more money you’ll have when you retire. It’s that simple.
When it comes to building your future, your retirement plan is a good thing. When you sign up:
- Money is automatically deducted from your paycheck.
- You may be eligible for matching contributions from your employer.
- Pre-tax money you save doesn’t count as taxable income until you take it out, ideally in retirement. So you’ll owe less in taxes as you save.
Taxes: Taking money from your retirement account can affect how much you’ll have to pay in taxes. You’ll owe taxes on pre-tax money. You won’t owe taxes on Roth earnings as long as you are age 59½ or older and it’s been at least five years since your first Roth contribution. If required by law, Vanguard will withhold federal and state taxes from the taxable portion of your withdrawal. You may need to pay a 10% federal penalty tax if you take money out early.
Plan highlights
Review a general description of the main features of your retirement plan.
Investment options
When you join your employer’s retirement plan, you get to choose how to invest your money. You can choose a mix of investments on your own—or you can choose a single Vanguard Target Retirement Fund.
A Target Retirement Fund offers the simplicity of a complete portfolio composed of a mix of stocks and bonds. It also handles most regular maintenance for you. If the investment’s mix is thrown off by the market, it will automatically adjust to keep you on course.
Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Income Fund has a fixed investment allocation and is designed for investors who are already retired. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
Vanguard is responsible only for selecting the underlying funds and periodically rebalancing the holdings of target-date investments. The asset allocations Vanguard has selected for the Target Retirement Funds are based on our investment experience and are geared to the average investor. Regularly check the asset mix of the option you choose to ensure it is appropriate for your current situation.
If you want to choose funds on your own, just follow these steps:
- Complete a short questionnaire to get your preferred investment mix.
- Review the investments offered in your plan:
- Choose investments that match your preferred mix.
Before you Invest, get the details. Consider the fund's objective, risks, charges, and expenses. The fund's prospectus (or summary prospectus, If available) wlll tell you these important facts and more. So read It carefully. Call Vanguard at 800-523-1188 to get one. Or you can find one at vanguard.com.
Roll over money to Vanguard
In most cases, you can roll over money to this plan from a former employer’s plan or an IRA. With your savings all in one place, it's easier to manage them.
To initiate a rollover, log in to vanguard.com/retirementplans, select Manage my money, and then select Roll over money into this plan. If you need assistance, call Vanguard.
Whether you keep your money where it is, move it to an IRA, or move it to another employer's plan depends on your situation and preferences. Some things to consider are available investments and services, fees and expenses, and protection from creditors. Also consider withdrawal penalties, required distributions, and the tax effects of moving company stock to an IRA. There are other factors too. Weigh the pros and cons before you make your decision.
Can I get help with all of this?
No matter what your retirement investing needs are, we can help. Just join your plan to get started.
Advisory services are provided by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Eligibility restrictions may apply
Additional tools and products
Find tools and products that can help you meet your investing goals.
Discover helpful resources to boost your financial knowledge and acumen.
Explore Vanguard’s investment, retirement, and savings options.
Before you Invest, get the details. Consider the fund's objective, risks, charges, and expenses. The fund's prospectus (or summary prospectus, If available) wlll tell you these important facts and more. So read It carefully. Call Vanguard at 800-523-1188 to get one. Or you can find one at vanguard.com.
For more information about The Vanguard 529 College Savings Plan, visit vanguard.com to obtain a Program Description, which includes investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing. Vanguard Marketing Corporation, Distributor.
Vanguard Fiduciary Trust Company serves as the custodian of Vanguard IRAs.
Whenever you invest, there's a chance you could lose the money.