Reduce your taxes while saving for retirement.
Contributions are tax-deferred.
Convenience Payroll deductions make saving simple and keep you in the saving habit. Flexibility Make changes at any time using InfoExpress, an interactive telephone system, and InfoExpress Web via the Internet. Diversification Choices are typically mutual funds, so each investment benefits from a basic level of diversification. Compounding Investing for the long-term allows you to take advantage of the magic of compounding. 4 Complete the Tax Deferral Worksheet to see if your planned contributions are within IRS guidelines.