Understanding Retirement

If you find saving a struggle, you’re not alone. We can help you understand what may be holding you back and help to change your attitude about retirement readiness.

Saving for retirement is smart. So why do we find it so hard to start?

The answer may be all in your head. New research identifies five common human behaviors that actually get in the way of planning for your financial future. The key to overcoming them is understanding them.

The Longevity DisconnectI Might Live How Long?

When it comes to preparing for the future, thinking about your future self can be the hardest part. Find out how the way you look at longevity can change everything.

ToolFuture Value Calculator

Answer three easy questions and the Future Value Calculator will provide you with an estimate of how much retirement savings you have the potential to accumulate by your desired retirement age, based on your current savings rate.

Test drive the Future Value Calculator

ToolRetirement Lifestyle Calculator

Ready for a glimpse into your financial future? Our Retirement Lifestyle Calculator can help you learn if you may be saving enough money to afford the kind of retirement you desire.

Try the Retirement Lifestyle Calculator


Could your retirement savings last longer than you do?

Find out how to determine how much income you’ll need in retirement and if you’re on track to get there.

Log in now

ProcrastinationI'll Do It Later.

It's easier to daydream about retirement than spend the time you need to plan for it. Find out how to stop putting off planning for your financial future.

ToolsProcrastination Calculator

We all procrastinate more than we’d like. So what if we stopped? Could we really accomplish more?

Try the Procrastination Calculator

ToolsProcrastination Personality Test

Understanding your unique style of procrastination can help you identify why you’re putting things off and what you can do to fight it.

Use the tool: The Procrastination Quiz


Putting off signing up?

If you haven't yet joined the plan, don't wait another day to start your journey toward retirement readiness.

Join now

Optimism BiasIt won't happen to me.

Spending more time thinking about the good things in our future and less time imagining the bad ones can leave us overly optimistic—and unprepared for the worst.

The Optimism Bias

VideoOptimism Bias Video

See what happens when we host a seminar to tell people about the human tendency to be overly optimistic about the future.

Watch Episode Four: The Optimism Bias

The Games of Odds

ToolsGame of Odds

How good are you at assessing risk in your life? Play this game to see how prepared you really are for the unexpected.

Let's play


Update your beneficiary

If something happens to you, what happens to your retirement savings? Log in to your account to review your beneficiary.

Name your beneficiary(ies)

OverreactionI just can't resist.

When everyone's doing something, we assume there's a good reason and we follow along. But sometimes that gets us in trouble.

Everybody’s doing it

VideoEverybody’s Doing It

Our desire to fit in with the group is so strong that it can make us change our behaviors. Even when we know that the group is wrong.

Watch–Everybody's doing it

ToolsTime To Go With Your Gut?

Predicting the ups and downs of the market is trickier than you think. See why emotional reactions can hurt us in the long run.

Try to Outsmart the Market now


Go your own way

Don't let what others are doing — or not doing — derail your retirement savings strategy. Use diversification to help limit your exposure to risk.

Log in to review your strategy

Impulse ControlI want it now.

Would you rather have $100 today or $110 two days from now? Our desire for immediate gratification today can actually have a big impact on retirement.

The Marshmallow Experiment

VideoOvercoming Temptation

Temptation is everywhere. But if you can just show a little restraint, you can enjoy much greater rewards in the future.

Watch the video: Overcoming Temptation

The Autopay Analyzer

ToolsAuto Pay Analyzer

Try this calculator to see how automatic payment services make it easy to spend a lot of money without even realizing it.



Give Your Future Self a Gift Now!

How? By increasing your plan contribution amount at least once a year. Do it now and each year on your birthday!

Give yourself an increase

Alameda County Deferred Compensation Plan Plan Resources & Quick Actions


Get contact information for your financial guidance professionals & plan administrators.

View plan contactsGET IN TOUCH

Manage your information, review your plan details and more.

Create an online accountSIGN UP FOR AN ACCOUNT

Manage your information, review your plan details and more.

Log in to your accountLOG IN TO YOUR ACCOUNT