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Maximize Your Edison Company Match With Our Complete Guide

Everything you need to know to maximize your retirement benefits under Southern California Edison’s three-tier investment system, including a breakdown of the system’s three tiers, Edison company match contributions and some common Edison 401(k) planning mistakes to avoid.

Edison's Three-Tier Investment System

Target Date Funds (Simple Solution)

Professionally managed Target Date Funds that adjust automatically over time

Shift from growth-oriented investments to more conservative ones as the target retirement date nears

Core Funds (Build Your Own)

Ten institutional Core Funds across asset classes

Includes index funds (passive) and actively managed options

Range from Money Market (conservative) to International Stock (aggressive)

EIX Stock Fund

Self-Directed Brokerage Account

Schwab Personal Choice Retirement Account® (PCRA)

Access to thousands of mutual funds, stocks, bonds, ETFs

Designed for knowledgeable investors

Additional transaction fees may apply

Edison Pension

Critical Edison 401(k) Decisions

01

Contribution Strategy & Company Match

How much should you contribute to maximize your company match? We help you understand the true-up calculation and ensure you receive the full 6% company matching contribution.
02

Three-Tier Investment Selection

Should you use Target Date Funds (Tier 1) for simplicity, build your own portfolio with Core Funds (Tier 2), or access the Self-Directed Brokerage Account (Tier 3) for maximum flexibility?
03

Pre-Tax vs. Roth Contributions Mix

Optimize your contribution strategy between pre-tax savings (immediate tax benefits) and Roth contributions (tax-free retirement withdrawals) based on your current and projected tax situations.

Common Edison 401(k) Savings Plan Mistakes

4 Major Mistakes:

Not Contributing Enough

Missing the full 6% company match opportunity

Poor Investment Tier Selection

Choosing inappropriate risk level for timeline

Ignoring Rebalancing

Letting portfolio drift from target allocation

Premature Withdrawals

Taking hardship withdrawals before exploring alternatives