CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Contribution & Match Policies Contributions Participants can contribute up to $23,500 in 2025, with an additional $7,500 catch-up contribution allowed if age 50 or older. Employer Match Employer contributions: The Company matches 50% of each eligible participant’s contribution up to a maximum of 6% of the participant’s eligible compensation. Discretionary company contributions and profit-sharing contributions are also allowed. Vesting Participants are immediately vested in their contributions and discretionary Company contributions. Participants are fully vested in employer matching and profit-sharing contributions allocated to their account after four years of credited service. CADENCE DESIGN SYSTEMS, INC. 401(K) PLAN Maximum Match Calculator This calculator helps to decide the minimum contribution you need to get the maximum employer match. Bi-weekly Pay Amount ($): Age: Calculate function calculateMatch() { const pay = parseFloat(document.getElementById(“payInput”).value); const age = parseInt(document.getElementById(“ageInput”).value); const resultsDiv = document.getElementById(“results”); if (isNaN(pay) || isNaN(age) || pay contributionLimit) { targetContribution = contributionLimit; } const biWeeklyContribution = targetContribution / payPeriods; // Match = 50% of employee contribution, capped at 3% of pay const maxEmployerMatch = annualPay * 0.03; const employerMatch = Math.min(targetContribution * 0.5, maxEmployerMatch); const biWeeklyMatch = employerMatch / payPeriods; document.getElementById(“biWeeklyContribution”).innerHTML = “Bi-weekly Minimal Contribution ($): ” + biWeeklyContribution.toFixed(2); document.getElementById(“annualContribution”).innerHTML = “Total Annual Minimal Contribution ($): ” + targetContribution.toFixed(2); document.getElementById(“biWeeklyMatch”).innerHTML = “Bi-weekly Employer Match ($): ” + biWeeklyMatch.toFixed(2); document.getElementById(“annualMatch”).innerHTML = “Total Annual Employer Match ($): ” + employerMatch.toFixed(2); }

Nothing but example

How to Build a Balanced, Diversified Portfolio with the BLOODWORKS NORTHWEST RETIREMENT PLAN Constructing a balanced, diversified portfolio is essential for long-term financial health, especially when it comes to retirement planning. As a participant in the BLOODWORKS NORTHWEST RETIREMENT PLAN, you have a range of investment options available. In this article, we’ll guide you through the process of constructing a well-rounded portfolio using the four-step RAID approach: Risk Assessment, Asset Allocation, Investment Selections, and Disciplined Rebalancing. We’ll focus on utilizing the low-cost index funds available to you whenever possible. Investment Options Available in Your Plan Here are the investment options available to you: Step 1: Risk Assessment The first step in constructing your portfolio is assessing your risk tolerance. Risk tolerance is the degree to which you’re comfortable with the potential for losses in your investments in exchange for the possibility of higher returns. Your risk tolerance should be influenced by your age, job stability, financial goals, and time horizon. To help decide how much of your portfolio should be allocated to stocks versus bonds, you can refer to the MyPlanIQ Get Started Now guide. Typically, younger investors with longer time horizons can afford to take on more risk by allocating a higher percentage to stocks, while those nearing retirement may want to shift more towards bonds for stability. Step 2: Asset Allocation After determining your risk profile, the next step is to decide how to allocate your investments across various asset classes. The main asset classes available to you in the BLOODWORKS NORTHWEST RETIREMENT PLAN include: You can use asset allocation templates discussed in MyPlanIQ’s Asset Allocation Portfolio Templates. For example, a balanced portfolio for a moderate risk investor might allocate 42% to US stocks, 18% to international stocks, and 40% to bonds. Step 3: Investment Selections Once you’ve determined your asset allocation, you’ll need to select the specific funds that match each asset class. For example: Emphasizing low-cost index funds where possible will help you minimize expenses and maximize returns over the long term. Step 4: Disciplined Rebalancing Regular monitoring and rebalancing of your portfolio are crucial for maintaining your desired asset allocation. Over time, market fluctuations can cause your portfolio to drift from its original allocation. For instance, if stocks outperform bonds, your portfolio may become more stock-heavy, increasing your risk level. Periodically rebalancing—selling some of the better-performing assets and buying more of the underperforming ones—helps you stay on track with your investment strategy. Example Portfolio with Moderate Risk Using the principles above, here’s an example of how you might construct a moderate risk (60% stocks, 40% bonds) portfolio: This simple portfolio provides broad diversification across key asset classes while keeping costs low, helping you stay aligned with your retirement goals. Conclusion Constructing a balanced and diversified portfolio is an ongoing process that involves regular monitoring and adjustments. By following the RAID approach—Risk Assessment, Asset Allocation, Investment Selections, and Disciplined Rebalancing—you can build a portfolio that aligns with your risk tolerance, financial goals, and time horizon. Remember, the key to successful retirement investing is to start early, stay consistent, and remain disciplined in your approach. For more information, refer to the MyPlanIQ Four-Step Guide for 401k Retirement Investing and the Asset Allocation Portfolio Templates.