Participant Updates

The State of Missouri Deferred Compensation Plan wins a prestigious 2020 Eddy Award from Pensions & Investments Magazine.

The State of Missouri Deferred Compensation Plan (MO Deferred Comp) takes home a prestigious Eddy Award in the special projects category at the 2020 Pensions & Investments East Coast Defined Contribution Conference. The P&I Eddy Awards recognize outstanding efforts by plan sponsors and their service providers to educate employees about how to invest their defined contribution plan assets wisely for retirement.

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Special Notice

The New York Stock Exchange is moving to operate through fully electronic trading and temporarily closing its trading floors, to prevent the spread of coronavirus. This change does not affect normal market trading or your ability to conduct fund-related transactions as usual within your retirement account.

We are here to help, even in the midst of COVID-19.

Just like you, we are concerned about the Coronavirus (COVID-19) outbreak across our great state and throughout the United States. Your safety, as well as the safety of our staff is at the forefront of our minds and we are doing all that we can to help contain the virus by limiting our in-person interactions. While our local office is closed to visitors (effective March 23, 2020) and the education specialists are not able to physically meet with you, you can still count on us during times like this to assist you with transactions or answer any questions you may have regarding your retirement savings. We want you to know you can access your account from anywhere and you have access to numerous virtual resources.

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Important Update: The Coronavirus (COVID-19)



Currently, the financial market is being significantly affected by the coronavirus and the growing concern associated with it. The virus is causing fear and uncertainty in all of us, but the MO Deferred Comp Plan encourages you to stay calm and think long-term when it comes to your investment strategy.

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Missouri Stable Income Fund Rate

The Missouri Stable Income Fund annualized credited rate effective second quarter 2020 (April 1 – June 30, 2020) will be 2.57%.

America Saves Week 2020



Wouldn't it be great if you could learn something in 30 seconds? Well, you can, or at least close to 30 seconds! This year, the MO Deferred Comp Plan has created five quick and lightly humorous videos centered on important, good-to-know plan and investment topics.

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Holiday Update

HOLIDAY UPDATE: The New York Stock Exchange and MO Deferred Comp call center will be closed on Monday, February 17, 2020 in observance of Washington's Birthday.

Due to the holiday, transactions received via Account Access after 3:00 p.m. Central Time (CT) on Friday, February 14, 2020, will be processed as of the close of business on Tuesday, February 18, 2020. Transactions will not be processed on Monday, February 17, 2020.

Have a great holiday.

Holiday Update

HOLIDAY UPDATE: The New York Stock Exchange and MO Deferred Comp call center will be closed on Monday, January 20, 2020 in observance of Martin Luther King, Jr. Day.

Due to the holiday, transactions received via Account Access after 4:00 p.m. Central Time (CT) on Friday, January 17, 2020, will be processed as of the close of business on Tuesday, January 21, 2020. Transactions will not be processed on Monday, January 20, 2020.

Have a great holiday.

2019 Year-End Reminders

1099-R Tax Forms & Required Minimum Distributions (RMDs)

1099-R Tax Forms
The 1099-R tax form(s), for participants who withdrew money from the deferred compensation plan in 2019, will be available online by the fourth week of January 2020. The forms will also be mailed no later than January 31, 2020. This form will indicate how much money you withdrew from your account during the 2019 tax year, what portion of that amount is taxable, and any federal or state taxes already withheld from those distributions. For additional updates on the status of the 1099-R tax forms, log on to Account Access.

Required Minimum Distributions (RMDs) & the Secure Act
Tax law requires annual withdrawals, known as Required Minimum Distributions (RMDs), from retirement accounts in the year a participant reaches age 70½, or when he or she retires, whichever is later. The MO Deferred Comp Plan reviews participant accounts each year to ensure that they are withdrawing the minimum amount required by law. If a participant had not withdrawn enough to satisfy the RMD, the difference would have to be distributed by December 31, 2019. If that was the first year a participant was required to receive a distribution, he or she will be sent an RMD in March of this year (2020).

The Secure Act has already raised many questions amongst state retirees. The Secure Act was was signed into law by the President on December 20, 2019 and raises the required minimum distribution (RMD) age from 70 ½ to 72. The Act ONLY applies to distributions required to be made after December 31, 2019, with respect to individuals who attain age 70 ½ after such date. For example, if you turned 70 ½ in 2019, your first RMD will have to be taken by April 1, 2020. However, if you turn 70 ½ on or after January 1, 2020, you will not be required to take your first RMD until the year you attain age 72.

For those receiving periodic payments, that payment schedule will continue unchanged. However, if the requested payments equal the RMD amount, deferred comp will adjust the payment amount(s) so that the RMD is satisfied. This adjustment will take place each January or at the time a participant establishes an RMD-only schedule.

Participants can establish periodic payments at any time, though they are not required to do so. Each participant's account will be reviewed annually to ensure compliance with the regulations and any remaining RMD will be distributed automatically.

Missouri Stable Income Fund Rate

The Missouri Stable Income Fund annualized credited rate effective first quarter 2020 (January 1 – March 31, 2020) will be 2.49%.

Holiday Update

HOLIDAY UPDATE: The New York Stock Exchange and MO Deferred Comp call center will be closed on Thursday, November 28, 2019 and will close early at 12:00 p.m. Central Time (CT) on Friday, November 29, 2019, in observance of the Thanksgiving holiday.

Due to the holiday, transactions received via Account Access after 3:00 p.m. CT on Wednesday, November 27, 2019, will be processed as of the close of business on Friday, November 29, 2019. Transactions will not be processed on Thursday, November 28, 2019. Transactions received via Account Access after 12:00 p.m. CT on Friday, November 29, 2019, will be processed as of the close of business on Monday, December 2, 2019.

Have a wonderful Thanksgiving holiday.

Annual Maximum Contribution Limits will Increase in 2020

For the third year in a row, the IRS has increased the annual maximum contribution limit for employees participating most 457 plans – like the MO Deferred Comp Plan – as well as made changes to the adjusted gross income (AGI) maximum limit to qualify for the saver's credit.

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Prestigious Excellence & Innovation Award Presented to the MO Deferred Comp Plan for Their Innovative Education Efforts

MO Deferred Comp Plan was one of five defined contribution plans honored Monday, November 4th at the Pensions & Investments' West Coast Defined Contribution conference. The plan received an Excellence & Innovation Award for their recent efforts to enhance state of Missouri employees’ retirement security by creatively addressing reoccurring participant questions using two of the plan’s calculators, RetiremenTrack and Grow Your Retirement Savings.

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Pledge 1% More during the 2019 National Retirement Security Week

This National Retirement Security Week (October 20-26, 2019), the MO Deferred Comp Plan challenges you, and all state of Missouri employees, to Pledge 1% More each year to your retirement saving account. The Pledge 1% More initiative encourages state employees to enroll in the plan, contribute a percent of pay to your retirement savings account, and lastly pledge to save 1% more each year of your career using deferred comp’s automatic increase feature. While 1% more doesn’t sound like a game-changing amount, it can have a significant impact on your end retirement savings balance and retirement lifestyle.

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State of Missouri Deferred Compensation Plan Wins the 2019 Leadership Award

NAGDCA Award 2019

The National Association of Government Defined Contribution Administrators, Inc. (NAGDCA) awarded the State of Missouri Deferred Compensation Plan the 2019 Leadership Recognition Award for the plan's transition of their external field representatives, also known as education specialist, to internal MOSERS employees. This award recognizes MOSERS for outstanding achievement in the Plan Design & Administration category.

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2019 Retirement and Savings Survey Results

The survey results are in! Thank you everyone who participated in the 2019 Retirement and Savings Surveys. The feedback received will help MO Deferred Comp better understand participants' needs and ultimately improve education efforts.

View Survey Winners & Results

Missouri Stable Income Fund Rate

The Missouri Stable Income Fund annualized credited rate effective fourth quarter 2019 (October 1 – December 31, 2019) will be 2.75%.

Holiday Update

HOLIDAY UPDATE: The New York Stock Exchange and call center will be closed on Monday, September 2, 2019, in observance of Labor Day. Due to the holiday, transactions submitted via Account Access after 3:00 p.m. Central Time (CT) on Friday, August 30, 2019, will be processed as of the close of business on Tuesday, September 3, 2019. Transactions will not be processed on Monday, September 2, 2019. The local plan office and call center will reopen at 7:30am CT on Tuesday, September 3, 2019.

Have a great holiday.

2019 Retirement and Savings Survey

The MO Deferred Comp Plan is constantly working to ensure we are meeting your retirement savings needs. However, to help us better serve you, we need your feedback! Those who complete the survey will be entered into a random prize drawing with two grand prize winners receiving Amazon.com gift cards and eight other lucky participants will be awarded a deferred comp cooler, backpack/bag, or t-shirt.

Take the Retirement & Savings Survey

DC Updates - Summer 2019

The summer DC Updates give you a sneak peek on what it's like to meet with a deferred comp education specialist and how they can help you prepare for your future. Plus, tips and strategies to tackle the overwhelming task of supporting your kids and aging parents, while preparing for your own future. Watch the 2019 summer DC Updates to learn about these topics, plus more!

View the 2019 Summer DC Updates

Holiday Update

HOLIDAY UPDATE: The New York Stock Exchange and call center will close at 12:00 p.m. Central Time (CT) on Wednesday, July 3, 2019 and will be closed on Thursday, July 4, 2019, in observance of Independence Day. Due to the holiday, transactions submitted via Account Access after 12:00 p.m. CT on Wednesday, July 3, will be processed as of the close of business on Friday, July 5, 2019. Transactions will not be processed on Thursday, July 4, 2019. The local plan office and call center will reopen at 7:30am CT on Friday, July 5.

Have a great holiday.

Missouri Stable Income Fund Rate

The Missouri Stable Income Fund annualized credited rate effective third quarter 2019 (July 1 – September 30, 2019) will be 2.72%.

RealizeRetirement® Time Machine

RealizeRetirementAdventure Logo

The RealizeRetirement® Adventure is back! Take a break from your everyday routine to board an 8-minute futuristic mobile escape room, brought to you by the MO Deferred Comp Plan. This adventure game is designed specifically for state of Missouri employees and requires players to solve a series of retirement riddles using clues, hints, and strategies to complete the given mission.

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Holiday Update

HOLIDAY UPDATE: The New York Stock Exchange and call center will be closed on Monday, May 27, 2019, in observance of Memorial Day. Due to the holiday, transactions submitted via Account Access after 3:00pm central time (CT) on Friday, May 24, will be processed as of the close of business on Tuesday, May 28, 2019. Transactions will not be processed on Monday, May 27. The local plan office and call center will reopen at 7:30am CT on Tuesday, May 28.

Have a great holiday.

DC Updates - Spring 2019

This year's spring DC Updates cover topics such as tips you can use to help prevent becoming a target of fraud, and how MO Deferred Comp's robust calculators can help place you on the right track for your future retirement.

View the 2019 Spring DC Updates

MO Deferred Comp Bulletin - 1st Quarter 2019

Check out the first quarter MO Deferred Comp Bulletin to see what deferred comp has been up to over the past few months.

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Creative Education Efforts Lands the State of Missouri Deferred Compensation Plan TWO Prestigious 2019 Eddy Awards from Pensions & Investments Magazine

MO Retirement Series Logo

At the 2019 Pensions & Investments East Coast Defined Contribution Conference, the State of Missouri Deferred Compensation Plan (MO Deferred Comp) was awarded TWO prestigious Eddy Awards in the special projects category. The P&I Eddy Awards recognize outstanding efforts by plan sponsors and their service providers to educate employees about how to invest their defined contribution plan assets wisely for retirement.

Read More

Missouri Stable Income Fund Rate

The Missouri Stable Income Fund annualized credited rate effective second quarter 2019 (April 1 – June 30, 2019) will be 2.62%.

America Saves Week 2019



Tired of hearing the same old corporate “jargon” over and over? So are we! The MO Deferred Comp Plan has created a laugh-worthy campaign centering around the overuse of cooperate "jargon" and how deferred comp has taken the steps to simplify the words they use in their publications, videos, and meetings.

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Holiday Update

HOLIDAY UPDATE: The New York Stock Exchange and call center will be closed on Monday, January 21, 2019, in observance of Martin Lither King, Jr. Day. Due to the holiday, transactions submitted via Account Access after 3:00 pm central time (CT) on Friday, January 18, 2019, will be processed as of the close of business on Tuesday, January 22, 2019. Transactions will not be processed on Monday, January 21. The local plan office and call center will reopen at 7:30 am CT on Tuesday.

Have a great holiday.