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A tax-advantaged investment tool for your retirement savings.

Eligible individuals can enroll in Pension Fund’s Roth Individual Retirement Account (IRA), make regular contributions, enjoy tax-free withdrawal options, and roll over funds from other investment accounts. Our Roth IRA offers a very competitive, guaranteed base return (currently 3.5%), with the opportunity to earn Good Experience Credits.

Earn, grow and withdraw funds tax-free.  Participants can withdraw their contributions at any time without penalty. This makes the Roth IRA a flexible tool for retirement savings. Because dollars set aside now are taxed at today’s tax rate, funds held for 5 years can be withdrawn tax-free in retirement. Other circumstances may also qualify a Roth IRA owner to withdraw interest earned without penalty.*

Take it out, leave it in, or pass it on. You don’t have to begin taking distributions during your lifetime if you’re the original owner or surviving spouse of a Roth IRA. If you add beneficiaries, those beneficiaries will be able to receive the funds without having to pay taxes (making the Roth IRA a good estate planning option).


Hear from our satisfied participants of all ages on how the Roth IRA benefits them:
  • New minister: “With the Roth IRA, I can begin saving early and allow my account to grow without having to worry about paying taxes when I retire.”

  • Mid-career professional: “With the Roth IRA, I’ll be able to add the beneficiaries of my choice and they’ll not have to pay taxes on the funds when they receive them.”

  • University professor: “The Roth IRA allows me to continue to contribute…even while I continue to serve as a university professor past traditional retirement age.”


“The Roth IRA is a great tool to use for retirement as a young church professional. With this savings program, I can begin saving early and allow my account to grow over time without having to worry about paying taxes when I retire.”

Pension Fund Member

Key Benefits
  • Withdraw earnings tax-free in retirement

  • Under some circumstances, you can withdraw funds early without penalty

  • No age limit for making contributions

  • No required minimum distributions

  • Offers a guaranteed base return

  • Provides opportunity for a higher return through Good Experience Credits

*After reaching age 59½ and five-year holding period is met. Prior to age 59½, any withdrawal on interest earned is subject to tax and a 10% penalty unless there is a qualifying exception.

Roth IRA FAQs

What are Good Experience Credits?

Good Experience Credits are additional interest earnings. Each year, the Pension Fund Board of Directors reviews reserves required for current and future benefits, as well as reserves needed for any potential market declines. When reserves exist above what is required, the Board of Directors may declare Good Experience Credits for all IRA participants. Over time, these extra earnings can make a significant difference when saving for retirement.

When are my earnings taxed with a Roth IRA?

Contributions are made with after-tax dollars, so they’re tax-free when distributed at retirement (or earlier in some scenarios).

Will my Roth IRA contributions be tax-deductible?

No. However, a Roth IRA might be beneficial for someone relatively new in their career because contributions are taxed up-front (tax rates are lower when income is lower, and the Roth IRA does have income limits for contributions).

Am I eligible to sign up for Pension Fund’s Roth IRA?

You’re eligible if you have earned income as an employee of a congregation, ministry or organization related to the Christian Church (Disciples of Christ), Christian Churches/Churches of Christ, Churches of Christ or Stone-Campbell/Restoration Movement. 

*Not available to residents of Canada or Puerto Rico.

Can I roll over funds to Pension Fund’s Roth IRA?

You can roll over funds if:

  • Funds are coming from an existing, qualified retirement fund; AND

  • You’re a current employee of a congregation, ministry or organization related to the Christian Church (Disciples of Christ), Christian Churches/Churches of Christ, Churches of Christ or Stone-Campbell/ Restoration Movement; OR

  • You’re a former employee with a Pension Plan, TDRA or IRA program.


You can roll over funds from the following into an IRA:

  • Pre-tax 403(b) account

  • Pre-tax 401(k) account

  • Pre-tax 457(b) account

  • Existing IRAs from outside Pension Fund

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