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Postdoctoral Associates - Retirement Plans

Yale University Tax-Deferred 403 (b) Savings Plan

Postdoctoral Associates are eligible to participate in the Yale University Tax Deferred 403(b) Savings Plan, a Defined Contribution Plan that allows you to invest contributions from your pay in a wide range of investment options.

Your final retirement benefit will depend on your contribution rate, your investment choices and the investment return on those choices over the course of your participation in the plan.

You can contribute up to 75% of your pay to the Plan or you can elect to contribute the IRS limit of $18,000. If you are age 50 or older, you can choose to contribute an additional $6,000 at any time during or after the calendar year in which you reach the age of 50. You may contribute a fixed-dollar amount, a percentage of your salary, or the IRS annual maximum amount.

Employee contributions may be invested in a wide range of Vanguard and TIAA-CREF investment fund options through  TIAA-CREF (Teachers' Insurance Annuity Association/College Retirement Equities Fund).

How to enroll in a retirement plan and make changes to your investments

TIAA-CREF provides a customized website designed specifically for Yale participants where you can view and manage your Yale University retirement program contributions and investment options in one place. The site offers detailed fund information with Vanguard and TIAA-CREF investment fund options and retirement planning calculators.

To enroll in a retirement plan, update your beneficiary information, and view or change your investment options, go to www.tiaa-cref.org/yale. Log in instructions are provided on the website. First-time users will need to register for secure online access.

For assistance navigating the TIAA-CREF web site, please contact TIAA-CREF at 855-250-5424, Monday – Friday, 8 a.m. to 10 p.m., or Saturday, 9 a.m. to 6 p.m.

If you have any questions regarding your retirement benefits, contact Employee Services at 203-432-5552.