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.
The Two Components of Our Investment Returns:
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.
...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
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.
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.