Retirement Plans

Planning for tomorrow

Even small amounts of money invested regularly over your career can provide a significant financial resource at retirement. Whether you are a handful of years or decades away from taking this step, there are several ways Indiana University and its partners support you on your financial wellness journey. 

Depending on your employment, you may be eligible to participate in one or more IU-sponsored retirement plans. Take the time to learn about them so you can track your goals, manage your investment options, and keep your beneficiaries up to date.

If you have been with us for 10 years or longer (or plan to be), be sure to investigate the advantages of retiring with IU retiree status.

The plans we offer

Base retirement plans

Eligible employees are automatically enrolled in an IU-funded base retirement plan, but you choose your beneficiaries and investments.

Supplemental plans

Enroll in one or more supplemental plans to save even more for retirement through pre-tax or after-tax payroll contributions.

Phased retirement for faculty

A program for eligible faculty members who wish to reduce their workload and ease into retirement over time.

Getting ready for retirement?

Are you thinking about retiring from the university? Learn about your eligibility and see a checklist to help you navigate your decisions.

Chart your next steps

Deepen your understanding of IU retirement savings options

Enroll or make changes

If you want to change your contribution to or enroll in a supplemental plan or manage your investment options, here’s how to do it.

IRS contribution limits

Find out how much you can contribute, including the combined limits for any plans you have outside of IU.

Education and guidance

Take advantage of the free planning tools, consultations, and workshops that can assist you with retirement planning, investment decisions, and financial wellness.

Investment options

Explore IU’s menu of investment options—you can create a strategy tailored to your needs.

Rollovers

Want to move your retirement assets from a previous employer to IU? Here's how to do it.

What is vesting?

Understand IU’s three-year vesting requirement, exceptions, and what happens if you part ways with IU before the cliff.

Roth Contribution option

An option that allows you to contribute with after-tax dollars, then take qualified withdrawals tax-free.

Options when you leave IU

Learn what you can do with your retirement funds if you leave the university.

Keep your beneficiary decisions up to date

It’s important to make sure that you have designated your beneficiaries for your life, retirement, and health savings plans. We recommend you review these decisions at least once a year and consider updating them when you experience a major life event—such as marriage or the birth of a child—or when you update your will or estate.

How to add or change your beneficiaries

Legacy plans

18/20 Retirement Plan

IU Supplemental Early Retirement Plan (IUSERP)

IU Replacement Retirement Plan

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