Fund Overview

The Teachers’ Retirement Fund (TRF) members include:

Teachers in a public-school corporation,
Certain state employees, and
Some employees in charter schools, innovation schools, turnaround schools, and public universities.

Plan benefits are paid from the contributions of participating employers and members plus returns on investment of plan assets.

There are two TRF plans: Hybrid and My Choice. Some employers allow new employees a choice of plans. Those members can elect either the Hybrid or My Choice Plan within the first 60 days of hire.

Hybrid benefits are made of two parts: a defined benefit (DB) and a defined contribution (DC).
Think of a defined benefit (DB) as a pension. Think of a defined contribution (DC) as a savings account.
The My Choice Plan is the DC -only account. It is available for members who become first-time participants in TRF at a school corporation or a state agency.

Consult your member handbook for more details

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