The sole purpose of YWCA Retirement Fund is to ensure income in retirement for employees of participating YWCA Associations.

    Fund Design

    The YWCA Retirement Fund, Inc. is a New York State not-for-profit corporation under Section 501(c)(3) of the Internal Revenue Code of 1986, as amended. The Fund sponsors the YWCA Retirement Plan (the "Plan"), which is qualified under Section 401(a) of the Internal Revenue Code and is governed by ERISA. The Plan is a cash balance defined benefit pension plan. Its assets are held in trust with JP Morgan Chase Bank, N.A., as Custodial Trustee, and the Plan benefits are paid from this trust.