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Board Awards Record $190.2M Read Full Press Release

Pension Fund of the Christian Church

Employer-Sponsored Retirement Products

Overview

As a church plan, Pension Fund is able to offer flexible and worry-free retirement options for employers and their employees. Our team of Area Directors will meet with you to discuss your needs and help you get started.

Individual Savings & Retirement Products

Overview

Whether you’re just starting out or closer to retirement, choose from a variety of products to help you reach your retirement and savings goals.

Program Applicants

Ministerial Relief & Assistance

Our relief programs meet the evolving needs of new, active, and retired clergy and their families to ensure all ministers and lay workers can enjoy a strong, smart, secure retirement.

Supporters & Donors

Make An Impact with a Donation

Your gifts and financial support helps ministry workers in need bridge the unexpected from now until retirement (and beyond).

Resources

Overview

Discover planning and educational tools & resources to help you navigate your financial wellness journey.

For Members & Clergy

For Members

Guides, factsheets and resources to aid you on the Road to Financial Wellness.

For Clergy

Clergy-specific resources to support your call to ministry.

For Employers

For Employers

Hiring tip sheets, tax guides and more to help you manage your employees' benefits.

Your Money Line

Pension Fund has partnered with Pete the Planner® to provide members with access to financial guides who will help answer your tough financial questions & online tools such as calculators and eLearning courses.

Stay Connected

News & Publications

Events

The Gathering

Pension Fund's biennial conference that connects pastors to learn and discuss spiritual, health & financial wellness.

Employer-Sponsored Retirement Products

Overview

As a church plan, Pension Fund is able to offer flexible and worry-free retirement options for employers and their employees. Our team of Area Directors will meet with you to discuss your needs and help you get started.

Individual Savings & Retirement Products

Overview

Whether you’re just starting out or closer to retirement, choose from a variety of products to help you reach your retirement and savings goals.

Program Applicants

Ministerial Relief & Assistance

Our relief programs meet the evolving needs of new, active, and retired clergy and their families to ensure all ministers and lay workers can enjoy a strong, smart, secure retirement.

Supporters & Donors

Make An Impact with a Donation

Your gifts and financial support helps ministry workers in need bridge the unexpected from now until retirement (and beyond).

Resources

Overview

Discover planning and educational tools & resources to help you navigate your financial wellness journey.

Your Money Line

Pension Fund has partnered with Pete the Planner® to provide members with access to financial guides who will help answer your tough financial questions & online tools such as calculators and eLearning courses.

Product Returns

People reviewing papers around a computer

Investing with integrity, security and compassion.

There aren't many organizations who can say that throughout their entire history, not a single member has experienced a loss in account value due to poor market performance.

Investment Overview

The Two Components of Our Investment Returns:

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Base interest rates...

Our defined contribution products offer a competitive base return rate that can’t be lower than what policy dictates (i.e., our Tax-Deferred Retirement Account base interest rate can’t be lower than 3% or greater than 6%). This reduces your downside risk and gives you peace of mind that your accounts will continue to grow, even in a tough market. While others may be losing value in their retirement accounts, you won’t.

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...and additional interest earnings (that can further grow retirement funds).

All products are eligible for “Good Experience Credits” or “Special Apportionment Credits.” These are extra earnings awarded by Pension Fund’s Board of Directors when reserves are sufficient to cover current and future benefits, and can make a significant difference when saving for retirement.

Current Interest Rates

4.0% Base Rate Tax-Deferred Retirement Account 403(b)/Roth 403(b) Learn More
3.5% Base Rate 457(b) Plan Learn More
3.5% Base Rate Traditional IRA Learn More
3.5% Base Rate Roth IRA Learn More
3.0% Base Rate Benefit Accumulation Account Learn More

How it Works

Our members benefit immediately from our expertise and knowledge in managing their retirement. We free our members from the day-to-day worry of allocating assets and selecting investments. We protect them by assuming the burden of market risk.


Socially Responsible Investing: Our dedicated staff takes a values-driven approach to ensuring member satisfaction and long-term financial wellness. We are committed to socially responsible investing through working directly with the Interfaith Center on Corporate Responsibility (ICCR) and voting consistent with environmental, social, and governance principles. For more on ICCR and its mission, visit www.iccr.org.

The Pension Fund Board of Directors oversees and approves our investment policies and guidelines. Our board members include investment professionals, bankers, trust officers, clergy, actuaries, and other business leaders.

Pension Fund’s investment staff then manages the assets within the strategic allocation, selecting and monitoring investment managers who specialize in their respective asset classes and directly manage the investment portfolios.



Each product is a separate trust. Each trust owns units in our investment pools and maintains its own reserves in accordance with board directed policy. These assets cannot be used to pay expenses of another trust, nor do these funds support our Ministerial Relief and Assistance programs, which are funded through donations and private grants.

When reserves exist above what is required by policy to help protect against market declines, the Board of Directors may declare a Special Apportionment and/or Good Experience Credits for all Pension Fund participants.

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Learn more about how we invest.

Investment Overview Brochure

Don’t believe us? Take a peek at our historical returns over the years.

All of our published historical returns are net returns. With Pension Fund, member account balances are not subject to additional administrative fees or surrender charges.