Employee Contributions vs. Market Value

Your 401(k) plan is an investment account that makes it easy for you to save money for retirement. 

Your contributions are the amount you or your employer contribute via payroll withholdings. When the money is deposited into your account, it's then invested in the investments (ex: Mutual Funds, ETFs, etc) that you selected when setting up your investment strategy which you can change at any time. The balance shown in your Vestwell portal is calculated as the fair market value of the funds in the portfolio as of the end of the preceding business day. As the market for your selected investment goes up and down, the share price also changes.  

All investments involve some degree of risk, including the loss of principal. Past performance is not a guarantee of any future results. Vestwell does not provide financial, legal, tax, or investment advice to any individual. You should understand the risk associated with any investment before making any decision regarding your retirement account to evaluate whether it fits into your financial goals and circumstances. More information about the investments available to your plan and the limitations are available on your Vestwell portal. 


All articles in our Help Center are intended for general educational purposes only and should not be taken as advice or suggestions about how to invest in your retirement plan or any other assets. You may wish to consult with a qualified financial professional for guidance about how to invest in your retirement plan or other financial accounts