MSCI Inc. is committed to supporting your financial wellbeing — today and tomorrow. MSCI Inc.’s retirement savings plan helps you prepare for retirement by offering an easy, tax-advantaged way to save for your future financial needs.

Key advantages

  • MSCI Inc. matches 80% of your contributions (up to the first 6% of your pay you contribute).
  • All eligible employees receive a Safe Harbor contribution of 3% of total eligible cash compensation.
  • Choose from a wide range of investment options.
  • Invest through convenient payroll deductions.
  • Access to personalized, one-on-one retirement education meetings tailored to you - at no additional cost. Sign up for your 30 minute meeting at principal.com/virtualoneonone.

Manage your account

Visit the Principal Financial Group website or download the Principal App to enroll or manage your plan account:

  • Enroll in the plan.
  • Check your balance.
  • Change your contribution rate.
  • Manage your investments.
  • Update your beneficiary.
  • Use planning tools and calculators.
  • Access forms and documents.
Am I eligible? What if I don’t enroll?

As a new employee, you are automatically enrolled in the plan, and 3% of your eligible pre-tax pay will be invested in an age-appropriate target retirement fund beginning as soon as administratively feasible. You may change your contribution rate and investment elections at any time. Visit the Principal Financial Group website or call 800-547-7754.


Your Contributions

You may contribute between 1% and 75% of your base salary, as well as 100% of any future bonuses you may be eligible for, on a pre-tax basis to your plan account, up to annual IRS limits, which are updated each year. The 2024 IRS limits allow you to contribute up to:

  • $23,000 if you are under age 50
  • $30,500 if you’re age 50 or older this year (which includes an additional $7,500 in catch-up contributions)
  • The compensation ​limit is $345,000

These limits include your pre-tax contributions, Roth after-tax contributions, or a combination of both.

Catch up!

It’s not too late to make up for lost time. If you’ll be 50 or older this year, take advantage of the opportunity to contribute up to an additional $7,500 (based on 2024 IRS limit).

Consolidate your accounts

If you have other qualified retirement accounts, consider consolidating them. You can make a rollover into your MSCI Inc. retirement savings plan. Visit the Principal Financial Group website or call 800-547-7754. If you already have a check, you can even upload it through the Principal App!


Company Contributions

To help you reach your retirement planning goals, MSCI Inc. makes the following employer contributions to your plan account:

Matching contributions

MSCI Inc. will match 80% of your contributions to the plan, up to the first 6% of your base salary that you contribute.

Here’s how the employer match works:


Safe Harbor contributions

In addition, all eligible employees will receive an employer contribution equal to 3% of total eligible cash compensation.

Meet the match!

Are you making your money work as hard as you do? Try to contribute at least 6% to take full advantage of the match — otherwise, you’re leaving free money on the table.



Vesting is another way of saying “how much of the money is yours to keep if you leave the company.” You are always 100% vested in your own contributions, including any investment gains and losses on the money. You become fully vested in all employer matching and Safe Harbor contributions after two years of service.


Name a Beneficiary

It's important to designate a beneficiary to receive the value of your 401(k) account in the event you die before receiving your benefit. As personal circumstances change, be sure to keep that information up-to-date. Visit principal.com/beneficiary to add or change a beneficiary. Your retirement savings plan beneficiary designation is separate and distinct from your life insurance beneficiary designation.


Withdrawals and Loans

The money in your account is intended as a long-term investment to help you prepare for your financial needs in retirement. However, under certain circumstances, you may be able to access money from your account before reaching retirement age. For more information, visit the Principal Financial Group website or call 800-547-7754.

Think before you act

If you’re considering taking a withdrawal or loan from your plan account, be sure to think about the impact it may have on your financial future:

  • Taking money from your account now may lead to a smaller savings balance when you retire.
  • Not only are you taking money away from your retirement savings, but the burden of repaying the loan may make it even harder to get back on track.
  • If you take a plan loan, you’ll also lose more money to taxes because the interest payments on your loan are made with money that has already been taxed, and it will be taxed again when withdrawn from your account.
  • If you withdraw pre-tax money from your plan account, in addition to paying current taxes on the money, you may have to pay an additional 10% penalty tax if you are younger than age 59½ (or, age 55 if you have retired or left the company).
  • Learn more about the differences between loans and withdrawals.

Before investing, carefully consider the funds’ or investment options’ objectives, risks, charges, and expenses. Call 800-547-7754 for a prospectus and, if available, a summary prospectus, or an offering circular containing this and other information. Please read them carefully. Investing involves risk, including the risk of loss.


Tools & Resources

Principal.com - Log into your account at principal.com to access education resources and tools that can help you:

  • See if you're on track for retirement
  • Review your budget
  • Find out how much you've saved for far
  • Make changes to your contributions
  • Manage your investments, and more!

Personalized one-on-one retirement education meetings - Meet with a Principal Retire SecureSM professional to determine personal goals and needs, recognize savings gaps, and learn next steps to take to help you stay on track - at no additional cost. Sign up for your meeting at principal.com/virtualoneonone.

Retirement Wellness Score – Are you saving enough to replace your income in retirement? Your Retirement Wellness Score shows your progress towards your goal. You can even refine your score using the Retirement Wellness Planner.

Principal® Milestones - We know there's a lot to think about when it comes to your finances. Get help on the topics you're interested in with resources from Principal® Milestones. You'll find articles, videos, calculators, worksheets, and more, all designed to help you navigate your financial journey, wherever you are on the pathway.

Monthly Webinar Series – Gain education and insight from retirement professionals to help make more informed decisions on topics like budgeting, retirement income, Social Security, and more. In less than 30 minutes, you can learn more about a financial topic that matters to you. Register for an upcoming webinar or catch up on your time with a library of replays.

Principal® app - Saving for your future can be speedy. With the Principal® app, do what you need to do to save, plan for later and keep track of your progress. Then, keep on living.