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It is easy to participate in Kentucky Public Employees’ Deferred Compensation Authority (KDC) Program. You can get started right away.

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Not ready to sign up yet? Get more info about how deferred comp works and what your options are first.

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If you are not already investing for retirement, it is time to get started. Your pension and Social Security benefits may not provide enough retirement income for you to live the way you want to in retirement.

With KDC, you decide when, where and how much to invest. And that is just the beginning — here are four more reasons why it is smart to participate in KDC:

  1. You can start anytime – KDC will work for you whether you are approaching retirement or just getting started saving. This is because time and compounding work together to build momentum for your money. The sooner you start, the more you could have at retirement.
  2. Something is better than nothing – Even a little bit of savings can really add up over time. And if you continue to bump up contributions on a regular basis, the overall impact to your paycheck may not seem too painful. Consider putting raises or bonuses into KDC — it is an easy way to save a little more.
  3. KDC is made for you – Unlike other retirement plans, KDC takes into account that you may retire sooner than workers in the private sector. So you do not have to worry about paying a penalty for retiring or beginning to take income from the plan before age 59½.
  4. Service you can count on – KDC and Nationwide® are ready and willing to answer your questions. We have been helping public sector employees save for retirement for more than 30 years and our local Plan Service Representatives have helped educate thousands of employees about investing through their retirement plans. Feel free to call today – we do not charge a fee to work with a local Plan Service Representative.

Get the help you need

The sooner you enroll, the more you can save. Take a look at the Enrollment Checklist for tips on what you will need to have handy and enroll today.

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KDC includes a wide range of investment options to meet your retirement planning needs. To view the fund profiles and prospectuses click the View fund performance button. Once you verify your employer and select your retirement plan, you can click the Prospectus and Fact Sheet links to view fund performance information.

View quarterly fund performance (PDF)

Keep in mind that investing involves market risk, including possible loss of principal. As you get started in the plan, we will help you understand market risk and strategies that may help you deal with it.

We recognize that some participants want to actively engage in managing their investment portfolios, while others want less involvement. There are four investment approaches you can choose from.

Four Investment Approaches:

1. Do it for me- with Nationwide ProAccount®

Nationwide ProAccount® is a managed account service, available for an additional fee, designed to help take the guesswork out of retirement investing. With Nationwide ProAccount your investments are selected for you based on your age and risk tolerance, then monitored and adjusted over time to keep you on track toward your retirement goals. Nationwide ProAccount gives you:

  • Professional investment management from Wilshire Associates
  • Continuous oversight by Nationwide Investment Advisors, LLC
  • Frequent communications, including quarterly statement notification

Note: You pay for this service through an asset management cost deducted from your account balance each quarter. Investment advice for Nationwide ProAccount is provided to plan participants by Nationwide Investment Advisors, LLC ("NIA"), a SEC-registered investment adviser. NIA has retained Wilshire Associates Incorporated ("Wilshire") as the Independent Financial Expert for Nationwide ProAccount, to make the investment decisions for the program. Wilshire is not an affiliate of Nationwide Investment Advisors, LLC (NIA).

2. Help me do it — My Investment Planner

  • This service is offered by NIA and can be accessed through the KDC website,
  • Using your responses to a few questions, the tool will make investing recommendations using funds available through the KDC Spectrum of Investment Options.
  • You must implement your investment decisions based on the recommendations.
  • You should periodically review and update your asset allocation questionnaire or meet with a KDC Retirement Specialist to ensure you are on track to reach your savings goals.
  • This tool is a free service for all KDC participants.
    Nationwide Investment Advisors, LLC (NIA) is not affiliated with Wilshire Associates or KDC.

3. Projected retirement date – with Target Retirement Funds

We offer Vanguard Target Retirement Funds that are based on when you want to retire or when you plan to begin taking income. Just choose the fund that most closely matches your projected retirement date. Vanguard Target Retirement Funds are designed for people who plan to withdraw retirement funds during or near a specific year. These funds use a strategy that reallocates their assets to become more conservative as they approach retirement. However, these funds do not consider individual risk tolerances. The principal value is not guaranteed at any time including at the target date. When redeemed the amount received may be less than the amount invested.

4. I’ll do it by myself- Your own strategy

Develop your own asset allocation strategy and select from the diversified set of funds available through the plan that best match that strategy. No investment strategy, including the use of asset allocation and diversification, can assure a profit or protect against loss.

But, remember we’re always here if you have question. Talk to your KDC Retirement Specialist or the KDC office at 800.542.2667 or 502.573.7925.

Vanguard Target Retirement Funds are designed for investors expecting to retire around the year indicated in each fund’s name. However, Vanguard notes that its target-year suggestions are based on a retirement age of 65. Investors who plan to retire significantly earlier or later may want to consider a fund with an asset allocation more appropriate to their particular situation. The assets in each fund are allocated to other Vanguard stock and bond funds to seek a blend of growth and current income. With the exception of the Vanguard Retirement Income Fund, the equity component of the funds may range from 40% to 90%. Except for the Vanguard Target Retirement Income Fund, the funds’ asset allocation becomes increasingly conservative as they approach their target date and beyond. Ultimately, they are expected to merge with the Vanguard Target Retirement Income Fund, which maintains about 70% in bonds. The investment risk of each Vanguard Target Retirement Fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal investment is not guaranteed at any time, including at or after the designated target retirement date.

Before investing through Kentucky Deferred Comp, please consider the fund’s investment objectives, risks, and charges and expenses carefully. The prospectus contains this and other important information about the investment company. Prospectuses and fund fact sheets are available by download from or by calling 800-542-2667. Please read the prospectus carefully before investing.

Some funds available through KDC maintain or are subject to trading restrictions and charge redemption fees to help prevent excessive short-term or disruptive trading.

Get the help you need

If you need more help, contact one of our local Plan Service Representatives. Information provided is for educational purposes only and not intended as investment or legal advice.



It only takes a few minutes to sign up. Here are some things you will need:

Start Enrollment Now

Get the help you need

We will even walk you through it. If you need more help, call one of our local Plan Service Representatives. Information provided by your representative is for educational purposes only and not intended as investment or legal advice.



KDC allows all state, public school and university employees, and employees of local political subdivisions that have elected to participate to put aside money from each paycheck toward retirement. KDC can help bridge the gap between what you have in your pension and Social Security, and how much you will need in retirement.

Here are some answers to questions you may have about KDC:

  • What sets KDC apart from other retirement plans? Unlike a traditional savings account, when you participate in KDC, your contributions are taken directly from your paycheck and made before taxes are withheld (except with Roth options), potentially lowering your taxable income now.
  • What does tax-deferred mean? Basically, you do not pay income taxes on your KDC contributions or earnings until you retire and/or begin to take payments from your account. This may lower your taxable income now. If you take income at that time it would not lower your taxable income.
  • Can I afford to save for retirement? You can not afford not to – and since you can choose to make contributions that are not taxed now, contributing to your plan could have less of an impact to your take-home pay than you expect. Use the Paycheck Impact Calculator to see how saving will affect your paycheck. 
  • How much should I put in my account? If you are unsure, you can use our tools and Learning Center to help decide how much to contribute, what funds to choose and how to use your money when you retire. To see the big picture of how much income is needed in retirement, use the Interactive Retirement PlannerSM
  • Can I combine retirement accounts? Our local Plan Service Representatives will work with you to combine, or consolidate your eligible retirement accounts into KDC. This may make managing your retirement investments a little easier.

Keep in mind that investing involves market risk including possible loss of principal.

Qualified retirement plans, deferred compensation plans and individual retirement accounts are all different, including fees and when you can access funds. Assets rolled over from your account(s) may be subject to surrender charges, other fees and/or a 10% tax penalty if withdrawn before age 59½.

Get the help you need

The sooner you enroll, the more you can potentially save. Take a look at the Enrollment Checklist to see what you will need to have handy and enroll today! 



Once you enroll in the KDC, you will want to set up online access so you can view account details 24/7. We offer convenient, secure account access with encryption and firewall protection.

Here are some things you can do once you have online access to your account:

Manage your account

Manage your money

  • Verify your contribution dates and amounts
  • Change how much you contribute 
  • Change how your money is invested
  • Review available investment options, see fund performance and research funds
  • Sign up to have your account automatically rebalanced every quarter (Automatic Asset Rebalancing or AAR)

Get the help you need

If you need help setting up online access, we can walk you through it. Contact one of our local Plan Service Representatives.

Set up online access now


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