Your pension and Social Security benefits may not provide enough income for you to live the lifestyle you want in retirement. MNDCP can help fill the gap. The supplemental income your MNDCP account can generate may be your key to financial security in retirement.

If you're not already investing for retirement, it's never too late to start.

Follow these steps to enroll in the MNDCP

Decide How Much to Contribute

Contribute what you can afford, if your employer offers matching dollars contribute at least the match amount.

Our interactive calculator can also help determine how much additional retirement income you may need to save in order to supplement your pension and Social Security benefits.

You have flexibility to increase, decrease, or stop your contribution amount at any time.

Tax Incentive for Low Income Savers
You may be eligible for an income tax credit of up to $1,000 just by contributing to your MNDCP account.
It's called the Saver's Tax Credit.

Decide to Save Pre-tax and/or Roth After-tax

You've taken the first step and determined how much to contribute. Now, decide whether you want to save on a pre-tax basis, Roth after-tax basis, or both.

Learn more about the tax advantages of pre-tax and Roth after-tax.

Determine Your Investment Approach

Choose how to invest your contributions. There are two ways you can build your investment portfolio.

Complete the Enrollment Agreement

Once you decide how much to contribute and your investment approach, simply complete and return the Enrollment Agreement (pdf). Once your account is set up, we will notify your employer. Contributions are automatically deducted from each paycheck and deposited to your MNDCP account.