At MOSERS, we are focused on ensuring the security of our members’ benefits. We understand that the current market situation can be concerning, and we want to assure you that MOSERS is committed to providing stable and secure retirement benefits for our members. Here are three key reasons you can feel secure about your MOSERS retirement benefits:

1. Long-Term Investments. We are long-term investors. While we monitor emerging trends constantly, our focus is on long-term goals. Our diversified investment portfolio is designed to weather the volatility of the financial markets over the long term. This approach helps us avoid selling investments during periods of higher market volatility, which can be costly.
2. Portfolio Diversification. As long-term investors, we also know that downturns will occur. That’s why our investment strategy incorporates broad diversification. Through diversification, we spread investment risk across different asset types, industries, regions, and time horizons. The MOSERS portfolio is built to withstand a wide range of market conditions over time.
3. Investment Discipline. Maintaining investment discipline is essential during periods of market volatility. While we couldn’t foresee this specific downturn, we’ve always operated with the understanding that market fluctuations are inevitable. As always, we are closely monitoring our investments and making deliberate, long-term decisions rooted in prudent risk management. We’ve successfully weathered past downturns, and we remain firmly committed to securing your financial future in retirement.

As a MOSERS member, once vested, you have a defined benefit pension plan that provides you with a guaranteed lifetime monthly income in retirement. This is different from other retirement savings plans, such as an IRA, 401(k), or 457(b) defined contribution plan, where the payout depends on how much you personally save. With your MOSERS membership, you have the security of a guaranteed, lifetime monthly pension benefit in retirement.