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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

Pension Fund Insider Update

Connect with your Area Director and learn more about how Pension Fund can partner with you to create financial stability in an increasingly uncertain economy.

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.

Individual Retirement & Savings

Retired Couple on Vacation Taking A Selfie

Retirement, simplified.

Let’s face it: Retirement benefits and investing can be overwhelming (especially if you’re not a financial expert). With Pension Fund, we do the heavy lifting and invest on your behalf so you can focus on what you do best—serving your ministry. Then, if you want to gain a deeper understanding of your finances, we connect you with free advice and education from financial wellness experts through our partnership with Your Money Line.

80%

of your pre-retirement salary is what experts recommend saving for yearly retirement income.

Why Choose Pension Fund?

Experience the Pension Fund difference:

  • Investment experts manage and grow funds on your behalf.
  • No fees charged for management or net returns.
  • Competitive, guaranteed base interest rates.
  • Additional interest earnings (awarded to all members) when excess reserves exist.

Benefit from being part of a ‘Church Plan’:

  • Nonprofit financial ministry with a calling to serve you (not our own pockets).
  • Values-driven approach to investing that informs investment policy and guidelines.
  • Partnership with the Interfaith Center on Corporate Responsibility (ICCR) to ensure socially responsible investing.

Enjoy perks of long-term financial wellness:

  • Free financial consulting, tools and education courses (via “Your Money Line”) available to all members.
  • Security in knowing that for over 125 years, none of our participants have ever experienced a reduction in pension or loss in retirement accounts due to poor market performance.
  • Conservative investment approach and consistent funding levels allow us to remain strong even in times of economic uncertainty.

Discover why our investment strategy means better benefits.

Learn More

Explore Our Individual Retirement & Savings Products

Illustration of money symbol on a silver coin

Individual Retirement Accounts (Traditional IRA & Roth IRA)

For those who want to save more to retire comfortably, an IRA provides flexibility based on your income and how you want to receive funds in retirement. With a Roth IRA, you receive your funds tax-free, and with a Traditional IRA, your earnings grow tax-deferred until retirement. Both allow rollover funds and eligibility for spouses to open their own accounts.

Explore Traditional IRA Explore Roth IRA
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Benefit Accumulation Account

Our Benefit Accumulation Account (BAA) is a high-yield savings product that allows you to save for expected—or unexpected--life expenses and easily access funds without penalties or fees. This additional savings tool provides a financial cushion for emergency funds, health care costs, housing expenses, travel costs and more.

Explore Benefit Accumulation Account Get Started

Frequently Asked Questions

Generally, all employees working for an organization affiliated with the Stone-Campbell (Restoration) Movement are eligible to participate in our products. These organizations include (but aren't limited to) congregations, wider ministries, seminaries, universities, and colleges associated with the Christian Church (Disciples of Christ), Christian Churches/Churches of Christ and Churches of Christ in the United States. A self-employed minister can also participate if ministerial services are being compensated.

For employer-sponsored products:

In a participation agreement between your employer and Pension Fund, your employer will define eligibility requirements for organizational and employee participation in the Pension Plan. You or a representative for your employer may contact your dedicated Area Director to create a participation agreement (view a map of regional Area Directors here).

For individual retirement & savings:

Pension Fund will need a completed enrollment form with the amount you wish to contribute. If you are a current member with access to the Member Portal, you can enroll securely online by logging into your portal and submitting your enrollment application online. You may also download our enrollment form and mail, email or fax a copy to Pension Fund.

Investing

Protect your financial future by enrolling today.

Get Started