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Participant Insights

Portfolio rebalancing, how to budget your money, what’s an HSA and who needs one? Preparing for retirement is hard. From personal finance basics to retirement planning and everything in between, we’ve got a few ideas to make life a little simpler. Contact MCF with any questions.

Navigating Market Volatility


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Designate Your Beneficiaries

Designate or review your Retirement Plan account beneficiary. Unless you want the government to pick who your assets are distributed to, it is tremendously important to have a stated beneficiary appointed for your employer-sponsored retirement plan account.

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To Borrow or Not to Borrow

Although you may have the ability to borrow money from your retirement plan in the form of a loan, please proceed with caution! If your employer offers Plan loans and you decide to borrow from your retirement account, you may end up causing harm to your financial future. (Note, your employer’s retirement plan may not offer a loan provision. To inquire, check with HR or request a copy of your summary plan description).

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Roth In Review

Elective deferral contributions to a traditional retirement plan are contributed on a pre-tax basis and help lower your current taxable income. Roth elective deferral contributions, however, are much like a Roth IRA in that contributions are made on an after-tax basis.

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