Current Employee

Even if your retirement is decades away, it’s not too early to begin thinking about it. JHU’s retirement plans reward you for your contributions and help you build toward future financial security, so the earlier you start, the better. Your particular plan depends upon your job classification and hire date.

403(b) Retirement Plan Enhancements

We deeply value your financial future. As part of that commitment, we’ve made it easier to save for retirement with the 403(b) plan with automatic enrollment and the Auto-Save program.

If you would like to opt out of auto-enrollment or select a different deferral amount, visit the TIAA website. All 403(b) elections are prospective, and the payroll cut-off calendar is available to show when your elections will take effect.

Learn more

Auto-Enroll and Auto-Save Enhancement Overview

JHU Benefits & Worklife presents the Marsh McLennan Agency, an independent investment advisor, to teach you about the upcoming auto-enroll and auto-save enhancements to JHU’s 403(b) Retirement Plans. Watch the video below and click here to open the slides.

JHU Retirement Plans

JHU 403(b) 4/8 Plan

Eligibility for the JHU 403(b) 4/8 Plan is based on your employment status.

Get plan details for:

Support Staff who selected the plan as part of Retirement Choice or were hired July 1, 2009, or after
Senior Staff hired July 1, 2011, or later
Nontenured/Non-Tenure-Track Faculty and Non–Core Faculty hired July 1, 2011, or later
Some Executives hired July 1, 2011, or later
Unite Here Bargaining Unit Members who directly transferred to JHU employment or were hired August 1, 2022, or later

JHU 403(b) 6/12 Plan

The JHU 403(b) 6/12 Plan allows eligible employees to make pre-tax contributions and receive contributions to their plan from the university.

Get plan details for:

Senior Staff hired prior to July 1, 2011
Faculty hired prior to July 1, 2011
Tenured/Tenure-Track Faculty, and Core Faculty hired July 1, 2011, or later
Executives hired prior to July 1, 2011
Some Executives hired July 1, 2011, or later

Pension Plan Plus Staff Voluntary 403(b) Plan

The Pension Plan—offered to support staff members hired before July 1, 2009, who selected this option during Retirement Choice and to LIUNA bargaining unit members—pays a monthly retirement income based on length of service with the university, earning and salary history with the university, and age at retirement. In addition, eligible participants can make pre-tax contributions to the staff voluntary 403(b) plan and receive some matching university contributions.

Get information for:

Income Deferral Plan

The Income Deferral Plan is a 403(b) plan offered to residents, interns, and postdoctoral fellows who receive taxable compensation. Through the plan, you can make pre-tax contributions, and if you’re a full- or part-time resident or intern at the School of Medicine, you can receive university contributions to the plan of up to 1.5% of your annual base salary.

Plans by Position

Not sure which retirement plans apply to you? Click the links below for details:

Decision Support and Advice

SUPPORT FOR CURRENT EMPLOYEES

Marsh McLennan Agency (MMA)

To help you make decisions about your retirement investments, JHU has partnered with Marsh McLennan Agency (MMA), an independent investment advisor. Along with retirement plan advice, MMA can assist current JHU employees with other personal financial topics, including how to create a budget, plan for a big expense, and the best time to claim Social Security.

You also have access to MMA’s MMA Prosper Wise platform, a one-stop hub for all things financial planning. Through Prosper Wise, you can access educational videos, live and on-demand webinars, news articles, financial calculators, and more.

Through Prosper Wise, you can schedule time to meet virtually with a financial coach at no cost to you. MMA coaches are licensed professionals with expertise in retirement plans, investing, and financial education. They’re unbiased and do not sell products or receive commissions. To schedule a one-on-one financial coaching session, visit the MMA Prosper Wise platform, sign in, and select Talk with a Coach on the left hand side. You must sign up using your email if this is your first time accessing the platform. Do not use the option to sign in with JHED.

TIAA

You can also access personalized advice on the retirement plans’ investment menus from TIAA, our 403(b) retirement plan vendor. When you meet with a TIAA financial consultant, you’ll get answers to questions such as:

Am I saving enough?
Should I change or rebalance my investment strategy?
Am I on track to meet my retirement goals?

Advice and education are available as part of the Johns Hopkins University retirement plan at no additional cost. Take advantage and schedule a virtual financial counseling session online, or by calling 800-732-8353, weekdays, 8 a.m. to 8 p.m. ET.

Appointments for in-person consultations with TIAA are available on select dates in East Baltimore and Homewood. An appointment is required and walk-ins are not accepted. Open these flyers to see available dates at both locations:

Learn more by exploring the education and learning site provided by TIAA. Their site provides an overview of investing basics and retirement planning, including information about asset allocation, Social Security, and other retirement topics. Planning tools and calculators are available so you can determine if you are on the right track towards your financial goals.

On-Demand Webinar Series

Learn more about preparing for retirement through this on-demand webinar series. Specially trained, licensed MMA financial coaches offer informative and interactive lessons, tailored to JHU’s retirement plans, that can help you progressively build your knowledge from foundational to advanced topics.

Determining Your Goals, Needs, and Investing Preferences Passcode: 4=x3uqa9
Investing in the Markets Passcode: LQ3c^9Q%
All About Funds Passcode: FR5pv!UE
Building a Retirement Portfolio Passcode: %l=v3qH@
Annuities Passcode: =uS@d5kp
Self-Directed Brokerage Windows Passcode: 3Sx9+E?!

Meet 1:1 with a TIAA Representative

Appointments for in-person consultations with TIAA are available on select dates in East Baltimore and Homewood. An appointment is required and walk-ins are not accepted. To schedule your appointment, call (800) 732-8353 or log in to TIAA’s website to schedule online. JHPD employees must call to schedule.

Open this flyer to see available dates at both locations.

your retirement savings on the go

The TIAA app helps you manage your retirement account on the go. Among other convenient features to manage your money, you can check your TIAA account balances and details, including year-to-date contributions.