Retirement Benefits

401(k) Plan

Saving for your retirement is a critical piece of your overall security as you enter into your retirement years. Whether you’re 21 or 65, saving for your future should always be at the forefront of your goals. Employees at Fisher Investments are not only encouraged, but given an incentive to participate with a very generous 50% match on all contributions. With an incredible match like that, it’s no wonder almost 90% of our employees contribute to the 401(k) plan

Unlike other companies that cap your matching contribution at 6% of pay, Fisher Investments will give you 50% of every dollar contributed. That means if you contribute $19,000 during the year, the plan will match you $9,500! In addition, Fisher Investments will pay all of your account maintenance fees.

Investment Options

The 401(k) plan offers two investment vehicles; the traditional pre-tax 401(k) as well as the after-tax Roth 401(k). You will also have several different investment options. You may choose to spread your contributions among eleven pre-selected mutual funds, or move your money into a Personal Choice Retirement Account (PCRA). The PCRA account allows you to place trades on any equity or mutual fund* and manage your retirement savings much like an individual brokerage account.**

* Trades subject to Compliance approval and trading restrictions. Please contact Law & Compliance Department for details.
**Past performance is no guarantee of future results. A risk of loss is involved with investing in stock markets.

Fisher Investments 401(k) Plan Guide

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Eligibility and Vesting

All employees, regardless of the amount of hours worked, are eligible to participate in the 401(k) plan provided they’ve completed 90 days of service and are age 21 or older.

Any money you contribute moves with you if you leave the company. All matching contributions are subject to a 3-year cliff vesting schedule. A vesting year is any calendar year in which you work at least 1,000 hours.

See the 401(k) Plan education guide (PDF) for more details on the Fisher Investments 401(k) plan.

529 College Savings Plan

To help you save for your child’s education, Schwab offers a 529 College Savings Plan through the state of Kansas. Money in this plan can be used for qualified undergraduate or graduate expenses (such as tuition, fees and books) at any eligible, accredited college or university in the U.S.

You can contribute up to $402,000 per beneficiary (the limit includes earnings) to the plan through after-tax deductions from your pay. To invest your contributions, you can choose from a range of investment portfolios. When you withdraw the contributions and earnings for qualified expenses, you won’t pay any federal taxes. (Depending on where you live, state taxes may apply.) For more information, see the Schwab 529 Guide (PDF).

Schwab Recorded Education Workshops