Members frequently ask if they can withdraw from, add to, or borrow against their retirement accounts. The answer to all of these is “no.” The only way you can get money from APERS is to retire or to terminate your covered employment.

Since APERS introduced the MSS portal in 2017 (log-in at www.apers.org), thousands of members have experienced its power and simplicity, managing retirement account details with their own hands, at their own leisure.

Later this month, APERS will be mailing Annual Statements to our members who were active during the last quarter (April – June) of fiscal year 2019. When yours arrives, please take a few minutes to look it over closely, and give us a call if anything appears inaccurate or out of date.

In our blog post titled "Who Funds The Fund?," we described APERS as a defined benefit plan and explained how it is funded through contributions from employers and members, which are then invested in a diverse portfolio.  This constitutes the APERS trust fund, which is the heart of the system.  So let’s look at how this fund is used.