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It's easy to participate in your employer's 457(b) deferred compensation plan. You can get started right away.

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Not ready to sign up yet? Get more info about how deferred comp works and what your options are first.

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If you're not already investing for retirement, it's time to get started. Your pension and Social Security benefits may not provide enough retirement income for you to live the way you want to in retirement.

With your 457(b) deferred compensation plan, you decide when, where and how much to invest. And that's just the beginning — here are four more reasons why it's smart to participate in your deferred comp plan:

  1. You can start anytime — Your deferred comp plan will work for you whether you're approaching retirement or just getting started saving. This is because time and compounding work together to build momentum for your money. The sooner you start, the more you could have at retirement.
    Please keep in mind that investing involves market risk, including possible loss of principal.
  2. Something is better than nothing — Even a little bit of savings can really add up over time. And if you continue to bump up contributions on a regular basis, the overall impact to your paycheck may not seem too painful. Consider putting raises or bonuses into deferred comp — it's an easy way to save a little more.
  3. This plan is made for you — Unlike other retirement plans, deferred comp takes into account that you may retire sooner than workers in the private sector. So you don't have to worry about paying a penalty for retiring or beginning to take income from the plan before age 59½.

    Read about the benefits of consolidating your eligible retirement plan accounts with your deferred comp plan

  4. Service you can count on — Nationwide® has non-commissioned retirement specialists ready and willing to answer your questions over the phone or face-to-face. We've been helping public sector employees save for retirement for more than 30 years and our specialists really know their stuff — but it won't cost you any extra. Our local retirement specialists will also meet with you face-to-face.

Get the help you need

The sooner you enroll, the more you can save. Take a look at the Enrollment Checklist for tips on what you'll need to have handy and enroll today.

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Your employer has selected a wide range of investment options to meet your retirement planning needs.

View fund performance

Keep in mind that investing involves market risk, including possible loss of principal. As you get started in the plan, we’ll help you understand market risk and strategies that may help you deal with it.

If you get stuck when choosing which funds are right for you, we’re here to help. We offer different levels of assistance so you can get the help you need.

Help me do it

If you want to be involved but want some help along the way, consider our Target Date Funds. Target Date Funds can be selected based on when you plan to retire or start taking distributions from your account, and are aligned with an assumed retirement age of 65. Target Date Funds are designed to provide a simple investment solution through an investment portfolio whose asset allocation mix becomes more conservative as the selected target date approaches. Because of the wide variety of investments included in this approach, all contributions and assets could be in one Target Date Fund.

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 Maturity Funds are designed for people who plan to withdrawal 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.

I'll do it myself

If you want to do it on your own, go for it. You can use the My Investment Planner to determine your investor profile and suggest an asset allocation for you. Then check out the complete list of funds offered by your employer and their current performance to help you decide. Just remember we’re always here if you have questions.

For additional information as well as advice, you can also talk with a Certified Financial Planner™ (CFP®). Contact them Monday – Friday, from 8 a.m. – 5:00 p.m. at 215-568-1960.

The CFP is not associated with Nationwide or its affiliates, including Nationwide Investment Services Corporation and is a registered representative of a separate firm.

Get the help you need

Talk to a Retirement Specialist about your investment options. Information provided by Retirement Specialists is for educational purposes only and is not intended as investment advice.


It only takes a few minutes to sign up. Here are some things you'll need:

Start Enrollment Now 457(b) plan only

Get the help you need

We'll even walk you through it. If you need more help, call one of our Retirement Specialists.



A 457(b) deferred compensation plan is a retirement plan offered by your employer, created to allow public employees like you to put aside money from each paycheck toward retirement. Remember, investing involves market risk, including the possible loss of principal. A deferred comp plan can help bridge the gap between what you have in your pension and Social Security, and how much you’ll need in retirement.

Here are some answers to questions you may have about deferred comp plans:

  • What sets a 457(b) apart from other retirement plans? A 457(b) may offer benefits other retirement plans can’t, like penalty-free withdrawals once you stop working for your public sector employer. Withdrawals are taxed as regular income in the year that payments are made to you.
  • What does tax-deferred mean? Basically, you don’t pay income taxes on your deferred comp plan contributions or earnings until you begin receiving income from your account. This may lower your taxable income now – if you take income at that time it would not lower your taxable income.
  • Can I afford to save for retirement? You can't afford not to – and since your contributions aren't taxed until the date at which you begin taking distributions or income from your account, contributing to your plan could have less of an impact to your take-home pay than you expect. Use the Paycheck Impact Calculator to see how saving will affect your paycheck.
  • How much should I put in my account? If you're unsure, you can use our tools and Learning Center to help decide how much to contribute and what funds to choose. To see the big picture of how much income is needed in retirement, use the My Interactive Retirement PlannerSM. Also, review the IRS current contribution limits to understand how much you’re permitted to contribute to your plan.
  • Are there any fees I need to be aware of? Participants are charged a $3.30 quarterly Administration Fee that is assessed on the last business day of each quarter. Fees and expenses of the underlying fund options also apply, and may be found in the fund prospectus(es).
  • Can I combine retirement accounts?  Our Retirement Specialists will work with you to combine, or consolidate your eligible retirement accounts into your deferred comp account. This may make managing your retirement investments a little easier.

    Qualified retirement plans, deferred compensation plans and individual retirement accounts are all different, including fees and when you can access funds. Assets rolled over from your account(s) may be subject to surrender charges, other fees and/or a 10 percent tax penalty if withdrawn before age 59½.

    This material is not a recommendation to buy, sell, hold or roll over any asset, adopt an investment strategy, retain a specific investment manager or use a particular account type. It does not take into account the specific investment objectives, tax and financial condition or particular needs of any specific person. Investors should work with their financial professional to discuss their specific situation.

Get the help you need

The sooner you enroll, the more you can possibly save. Take a look at the Enrollment Checklist to see what you’ll need to have handy and enroll today!


Once you enroll, you’ll want to set up online access so you can view account details 24/7. We offer convenient, secure account access with encryption and firewall protection.

Set Up Online Access Now

Here are some things you can do once you have online access to your account:

Manage your account

  • Check your total account balance
  • Update your personal information
  • Get current and past statements

Manage your money

  • Verify your contribution dates and amounts
  • Change how much you contribute and how your money is invested
  • Review available investment options, see fund performance and research funds
  • Sign up to have your account automatically rebalanced every quarter (Automatic Asset Rebalancing or AAR)

Get the help you need

If you need help setting up online access, we can walk you through it. Talk to one of our Retirement Specialists today.


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