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Manage your money

Manage your contributions

To view or update your contributions:

  • Sign in
  • Go to Manage,  select My Contributions or Contributions, then view and manage your details.

If your plan does not allow online changes to contributions, contact us for the form. Please note that paper forms must be returned to your plan administrator.

Tip: Even saving a small amount can add up over time thanks to compound interest.

Quarterly statements

  • Sign in
  • Go to Quick links and select Statements
  • You can view up to 24 months of your account history

Tip: Update your communication preferences in your online profile to choose how to receive information. If you signed up for paperless delivery, we email you when your statement or tax form is ready.

Withdraw money

How to withdraw money from your 401(k) account

If your plan allows online withdrawals:

  • Sign in
  • Go to Manage, then select Request a withdrawal and follow the prompts
  • Choose your delivery method (email or mail)
  • Submit your request

If you’ve requested a withdrawal form, you must complete it and return it with any required documentation.

Some forms may require a wet signature. That means you need to physically sign a document, usually in ink, instead of signing electronically. If required, sign in ink and return to the sender using the method specified on the form.

Tip: If your plan does not allow online withdrawals, contact us to get the form. Please note that paper forms are returned to the plan administrator.

Additional reading:

How long it takes to process withdrawals

  • Forms requested by email are sent within two business days. These forms are not encrypted and require Adobe Acrobat Reader to view.
  • Forms requested by mail can take up to 10 business days.
  • When your completed form and any required documentation are submitted, your withdrawal is processed within:
    • Direct deposit: 2-3 business days
    • Mailed check: 7-10 business days (some checks are mailed to the plan sponsor first, which can add extra mailing time)

Tip: Ensure your contact details and banking information are up to date before you submit your form to avoid any delays.

Taxes or penalties on withdrawals

  • Most taxable withdrawals will have 20% federal tax and any applicable state tax withheld
  • If you’re under the age of 59½, you may also owe a 10% early withdrawal penalty, which is due when you file your taxes
  • Tax rules vary by state
  • Carefully consider your options, including a direct rollover to another qualified account, to avoid potential tax penalties
  • Not sure what’s best? A financial professional or tax advisor can help you decide which option is best for your financial needs and goals

Tip: Check your plan’s tax forms and disclosures before you request a withdrawal so you know what to expect.

Hardship withdrawals

Your plan may let you withdraw money for urgent financial needs. Common reasons include:

  • Medical expenses for you or your dependents
  • Buying your primary home
  • Tuition, fees, and room and board costs for you or your dependents in the upcoming 12 months
  • Preventing eviction or foreclosure on your primary home
  • Funeral expenses for you or your dependents
  • Certain repairs for your primary home under IRS rules
  • Damage to your primary home from a federally declared disaster   

Important: You must provide the supporting documents that are listed on the form for your hardship withdrawal request.

Tip: Hardship withdrawals may be taxable and can affect your retirement savings. Consider other options and talk to a financial professional before taking money out of your retirement account.

How to request a hardship withdrawal

If your plan allows, you can request a hardship withdrawal form online:

  • Sign in
  • Go to Manage, then select Request a withdrawal

Important: Not all plans allow hardship withdrawals. Check with your employer to see if this type of withdrawal is an option for you. Please contact us if your plan offers hardship withdrawals but the form isn’t available online.

Tip: Make sure your hardship reason matches the options on the form and provide clear, complete documentation to avoid delays.

Leaving your employer or retiring

  • Sign in
  • Go to Manage, then select either Request a withdrawal or Forms, and follow the prompts.  Please note that forms are not available online for some plans.
  • Choose your delivery method (email or mail)
  • Submit your request

If you requested a withdrawal form, complete it and include any required documentation.

Some forms may require a wet signature. If required, sign in ink and return to the sender using the method specified on the form.

Tip: Get help when changing jobs or retiring. Call 866-401-2472, Monday to Friday, 8:30 A.M. to 7:00 P.M. ET, or schedule a call back to speak with a rollover specialist about your options.

Additional reading: