Put time to work for you. The more you have, the more your money has a chance to grow. Get started and remember: no decision is final. You can make changes anytime.1 We’re here to help you along the way.

 
  • How much do I contribute?

    The answer depends a lot on you. Your age. How much money you make. And what visions you have for retirement.

    You can use My Retirement Goals tool during the enrollment process to find out what might work for you:

    Use My Retirement Goals tool
  • How do I invest my money?
    Do it for me

    - Professionally Managed Account

    An option that leaves your investing decisions to the Pros. A professional money manager will personalize an investment portfolio to actively manage your retirement account based on your financial goals and risk tolerance.

    Check with your plan representative to see if your plan offers a Professional Managed Account service.

    Service provided for a fee.
    Help me do it

    - Pre-built Portfolio

    Target date funds

    You select ONE fund that aligns with a year close to when you retire. They’re designed to gradually become more conservative as retirement gets closer.

    Model Portfolio

    Your money is invested in a portfolio designed to meet your financial goals and risk tolerance. Each portfolio has its own rebalancing schedule.
    Do it myself

    - Custom Portfolio

    An option that puts you in control to choose your own investments. You select from options available through the Plan.
  • Why should I enroll?

    You could pay fewer taxes.
    Contributions come from your paycheck. So, your taxable income may decrease.

    Rising healthcare costs
    The average retired couple at age 65 could spend $318,0002 on healthcare expenses in retirement.3

    Social Security & pension may fall short.
    Your retirement plan could help fill the gap.
Online enrollment help

Important market risk & investing information
Do it for me

Your plan may offer a Professionally Managed Account service for a fee. Check with your plan.

Help me do it

Your plan may offer a Model Portfolio in which your money is invested in a portfolio designed to meet your financial goals and risk tolerance.

Target date funds may also be available. They are a type of asset allocation fund that is rebalanced over time to become more conservative as retirement approaches.

Target date funds invest in a wide variety of underlying funds to help reduce investment risk. So, in addition to the expenses of the target date funds, you pay a proportionate share of the expenses of the underlying funds. Target date funds are designed for people who plan to withdraw funds during or near a specific year. Like other funds, target date funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement.

Do it myself

Custom Portfolio allows you to build your own portfolio by understanding your risk tolerance and your plan’s investment options & performance.
Ready to enroll? For a 401(k) or 403(b) plan, call 1-888-867-5175 or enroll now.
For a 457 plan, call 1-877-677-3678 or find your employer's plan.

[1] Some plans may have restrictions.

[2] For couples enrolled in a Medigap plan with average premiums

[3] Projected Savings Medicare Beneficiaries Need for Health Expenses Remained High in 2022," Jake Spiegel and Paul Fronstin, EBRI Issue Brief No. 580 (Feb. 9, 2023).


Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.

The plan sponsor, and not Nationwide, selects the registered investment advisor used in conjunction with managed accounts. The plan sponsor must determine whether this service is appropriate for participants. Additional fees apply for this service.