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All employees can choose to save for retirement through the employee-contribution portion of the St. Jude Retirement Plan. You can make voluntary pre-tax contributions through salary reductions up to an annual allowable maximum set by the IRS. All taxes are deferred until the funds are withdrawn. The maximum for calendar year 2013 is $17,500 for many employees. However, you may be able to contribute more under certain conditions. Contact Human Resources–Benefits for additional information. You can enroll at any time by completing an application and a Salary Reduction Agreement form. The form is available on the Forms page and in Human Resources–Benefits.
You choose how to invest the funds in your account, and you have numerous investment options through TIAA-CREF.
For information regarding the investment options offered by TIAA-CREF, contact a TIAA-CREF representative at 1-800-842-2776.